| 01/22/2019 |
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- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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I would like for the CFPB to reopen & review all the facts and evidence in my Debit Card Dispute # XXXX from XX/XX/XXXX on file with my bank, Ally Bank. The disputes are for about 50-60 seperate online transactions totaling about {$4500.00} from XXXX XXXX / XXXX Ally Bank says that i missed the deadline by a few weeks to file these disputes to be totally covered for all of the charges totaling about {$4500.00}. I was lucky to even piece together this fraud at all.
After 90 days of waiting XXXX only refunded me via that dispute {$200.00} from the total {$4500.00} due. XXXX was not willing to cooperate.
Due to the overwhelming evidence of fraud, that timeline should be waived, I should be 100 % protected as a consumer and a Government Agency needs to step in and have the computer system just refund me my money automatically.
The CFPB needs to approve my complete chargeback and have the dispute team at Ally Bank & XXXX , Inc reverse all of the charges and refund me my {$4500.00}.
Ally Bank says that its limited as to what it can do but I need the CFPB to step in here and resolve my case.
XXXX should not even be allowed to have a credit card machine or bank account.
I have reported this to over 15 Government Agencys Including : The XXXX XXXX XXXX : Case XXXX The Federal Trade Commission : Case # XXXX The California Dept of Insurance : Case # XXXX The Florida Dept of Financial Services : Case # : SR # :XXXX Dispute with My Bank : Ally Bank , Dispute # XXXX Also see my previous complaint to the CFPB regarding XXXX XXXX XXXX / XXXX / XXXX XXXX XXXX XXXX which the CFPB said on XX/XX/XXXX that it has been forwarded to the FTC . * Complaint number : XXXX * Date submitted to CFPB : XX/XX/XXXX In my case with XXXX XXXX / XXXX / XXXX XXXX XXXX XXXX my evidence & findings will show that Renters are provided with vehicles with serious defects, are not warned of potentially dangerous conditions that may exist or develop and are deprived of valuable information as to the true condition of their rental vehicles along with deceptive practices and unfair charges.
XXXX XXXX / XXXX / XXXX XXXX XXXX XXXX used deception, deceptive & unfair practices, fraud, false pretense, false promise, misrepresentation & concealment as well as suppression & omission of material facts.
XXXX XXXX, XXXX rented me 3 junk title, salvage, rebuilt title cars for 90 days at {$50.00} per day with full price insurance for cars that should not even be on the road as if they were new/undamaged at full price / top dollar prices. Their website says no junk title, salvage, rebuilt title cars allowed. When I brought it to their attention with proof they said I'm lying. They gave me the run around & now they even blocked my phone number from being able to call their XXXX Customer Service #. These guys did fraud on me, gave me an unsafe vehicle, gave me a poor quality product that was not as described, they failed to protect me as a consumer, they failed to properly inspect, confirm & certify the products they allow on their platform, they never disclosed anything to me and when confronted with this they lie and deny it all and then when I sent them the proof they totally ignore me & block my phone number. I have proof of all conversations & of all the evidence.
The full coverage they charged me for was with XXXX XXXX XXXX XXXX XXXX/ Policy # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX Also, I have reported these guys to every agency that exists. I need help to get my money back.
My bank via dispute was unable to get me my {$4500.00} back because i missed the deadline to file a dispute by a few weeks.
After months of giving me the run around XXXX finally wanted to arbitrate with their company XXXX / Dispute # XXXX / Arbitrator : XXXX XXXX XXXX, License # 193606, State Of California Bar I sent XXXX over 50 pages of evidence and proof that the damages I recieved were financial. After 2 weeks of wasting my time the arbitrator said that I lost the case and I dont even deserve 1 penny.
Now XXXX is not honoring my request to have my decision appealed.
I wrote this to XXXX & to XXXX : It seems only right that I deserve an appeal and or an award of some sort When you step back and see the bigger picture of what is going on internally with XXXX here you start to notice a pattern.
The pattern is that XXXX is renting rebuilt, salvage, junk title cars with no disclosure on purpose to consumers as if they were undamaged at the highest possible price that you can rent a real undamaged car for per day at about {$40.00}. Plus they add {$13.00} per day of full coverage insurance for a junk car that is not even really insurable with full coverage. Their computer system must know these cars are junk but they turn a blind eye so they can make false profits.
Then they sit back and wait to see who complains, they give them the run around for as long as they can, then whoever get to XXXX arbitration will never win the case or any money because XXXX has a nice scam going on here with the way they word their contracts.
And they save all that money by just paying XXXX a monthly retainer fee.
This is unfair and unethical behavior by a business. It really shows alot. XXXX also should not be associated with these fraudsters.
I can't believe that the arbitrator did not even award me one penny. She said I failed to prove any damages. The damages were to my pocket. The damages were financial. Not to mention how they lied about everything and put me on a mission instead of giving me back a 50 % refund of {$2300.00} or so in the beginning.
My bank said if I would of disputed this in time I would of gotten back all of my {$4500.00}.
So I can't believe that the arbitrator didn't give me an award. And I am sure a jury will side with me.
I will be fighting this to the end and now today i will include XXXX as part of this full circle fraud lawsuit with XXXX. The top XXXX bosses must know about this pattern.
XXXX and XXXX are putting people in danger and putting profits over human lives and zero regard for people financial stability or safety.
They basically sold me on a nice chocolate bar wrapped up in a bow with 24k gold paper 4 times in a row but when you start to see, taste and smell the chocolates up close and you start to decipher the recipe and ingredients and you do some research and you stumble on something then you realize that you really just ate 4 bars of dog poop. And with no warning or disclosure on the wrapper or website.
Read My Entire Story Below : XXXX Rented Me 3 Salvage/Rebuilt Title Vehicles as if they were new/undamaged at full price / top dollar prices. Their website doesn't allow these damaged cars at all.
The representative said over the phone that the 3 cars seemed to fall threw the cracks and it made it onto their system 3 times in a row unchecked for salvage or rebuilt titles, where i ended renting them at top dollar prices for a junk car thats worth atleast 50 % less in value. They said that the car owner scammed them. I told them that, that is not my fault or problem. They put me in an unsafe vehicle. They never disclosed this to me and the product quality was not that of what i chose & agreed to pay for. I believe i paid off this guys junk cars with all the days that i rented it. Now he has a free car that i got ripped off on and i paid for.
I rented 3 vehicles from the same owner on this platform. I rented these 3 junk cars for about 90 days in a row at {$50.00} per day for a grand total of about {$4500.00}. The rental dates were fromXX/XX/XXXX - XX/XX/XXXX.
It came to my attention on about XX/XX/XXXX that these cars all had damage. I contacted XXXX about this. The first rep said that the vehicle owner and his cars would be kicked off the platform. Then i asked for a 50 % refund for having over paid and being ripped off for a subpar product.
They said they would escalate it to the manager. The manager wrote back to me in 15 minutes and said that after careful review of the Florida DMV Database none of the cars had a rebuilt/salvage title. And he said that because of that reason my 50 % refund would be denied.
I asked for proof of their findings and at the same time i did my own research and provided them with the evidence that all 3 cars were in fact rebuilt/salvage titles. They never responded to me after i sent them the proof. I then told them that they are giving me the run around and that i now want a full 100 % refund. I also tried to call them several times while i waited on hold for 15 minutes and an answering machine says to leave a message that no one will ever respond to. i finally got someone to answer on about XX/XX/XXXX and they said that the manager from the billing department knew about me and my problem and that they would be researching it. They never got back to me and no one answers the XXXX #.
This Is The FREE FLORIDA DMV VIN # CHECK WEBSITE : XXXX XXXX XXXX These guys did fraud on me, gave me an unsafe vehicle, gave me a poor quality product that was not as described, they failed to protect me as a consumer, they failed to properly inspect, confirm & certify the products they allow on their platform, they never disclosed anything to me and when confronted with this they lie and deny it all and then when i sent them the proof they totally ignore me. I also had my bank helping me fight this.
( Update : On XX/XX/XXXX My bank via dispute was only able to help me recover {$100.00} for 2 rental days & another {$100.00} for another 2 rental days for a total of {$200.00} for 4 rental days. Every rental day with insurance was exactly {$51.00} ) I have attached that evidence as well.
My bank was unable to help me recover anything more than the {$200.00}. I missed the deadline for the dispute protection timeline they say because I rented the cars from XX/XX/XXXX - XX/XX/XXXX but did the chargeback a bit to late towards the end of XX/XX/XXXX when I luckily found out about what XXXX did to me by putting 2 and 2 together and then I started asking XXXX questions. I feel that the dispute timeline should be waived do to the circumstances of fraud and deception that took time to unravel I have proof of all evidence and of the email conversations back and fourth between me and XXXX which has been attached.
I also believe that they still have these damaged cars on their platform and are charging people top dollar and not disclosing this information to them. I know there are more victims out there even after it has been brought to XXXX 's attention. These are unfair business practices that all of the management and employess in that business are aware of and they practice everyday. They are putting profits before peoples safety.
I believe that these are grounds for a civil / class action lawsuit if they dont refund my money and stop these unfair practices. They are in the stock market under symbol : XXXX, they cant be doing this to people. They are also reporting profits earned that are based on these unfair and unsafe business practices.
XXXX has put me on a roller coaster ride back and fourth for over 5-6 months trying to recover my money and resolve this. I have wasted an extraordinary amount of time & energy doing research, making phone calls, writing emails, responding to emails, copying and pasting evidence, waiting on hold, and spending countless hours writing, documenting and reviewing all of my writings, documentation and organizing evidence, etc all due to XXXX continuous lies and ways that they cheat & treat the consumer.
I estimate that I have wasted about 75 hours of my personal time doing all of this work during this ordeal these 5-6 months. Not to mention that XXXX has dragged this on for almost 6 months for no reason when I have been trying to resolve this directly with them in good faith from the beginning.
XXXX left me out in the cold and they made me feel violated and I felt taken advantage of. I felt as if no one can hear me screaming for help. On top of everything they played games back and fourth and made me feel voiceless and helpless. They blocked my phone number from being able to call their XXXX customer service number for help and they stopped responding to my emails. This caused me and is still causing me terrible stress.
During this entire ordeal I have provided an overwhelming amount of evidence and proof of about 30-50 pages in length and XXXX has just replied with 3 sentences in total.
This is what XXXX responded to the XXXX with : Thank you for the opportunity to respond to this consumer complaint concerning the vehicles they rented on our platform.
Our rentals are offered for ride-share drivers, and the reason for not allowing Salvage or Rebuilt titles on the site is due to most areas not accepting these types of vehicles for use with XXXX / XXXX.
As the vehicles are listed by the owners, not all states registrations show the salvage or rebuilt status on the documents used to verify a vehicle for the platform.
All vehicles mentioned by the consumer, including the user who listed them have been permanently removed from our site.
The price paid for these vehicles is set by the owner and the prices paid for rental of the consumers vehicles was {$30.00} - {$39.00} per day.
During the entire duration of these rentals, the vehicles cause no issues for the consumer. We have no records of the consumer reaching out concerning these issues until after the rentals have ended.
If issues with the mechanical functionality with these rentals had occurred, then a refund would be due, however the renter kept the vehicles without incident and at this time no refund will be honored.
I did NOT accept XXXX response via the XXXX XXXX XXXX Case # XXXX and i wrote back to them explaining why below : There is NO excuse for allowing me to rent 3 seperate UNSAFE salvage / rebuilt tilte vehicles from the same person. My life was put in danger & so was the lives of my passengers. Your platform must have a robot or a human manually verify each and every vehicle that you have on your website by running the vin number on XXXX or XXXX. it costs money to do that and you guys dont want to pay for that safety check.
Your response for not allowing salvage / rebuilt titles on your site is that : its due to most areas not accepting these types of vehicles for use with XXXX / XXXX. Instead you should say that you do NOT allow salvage / rebuilt title vehicles on your site because they are unsafe pieces of junk that have been totally damaged and no one knows if someone has even died in these vehicles, these cars are worth XXXX dollars and they are ticking time bombs. I was a driver for only XXXX. I was also let down by XXXX because they didnt catch these junk cars that made it onto their system. XXXX was the second line of defense to protect me and they also let me down.
XXXX is trying to put the blame on the car owner that put his 3 junk cars on the website, but XXXX can not allow a random person to do that without fully verifying that the vehicle they have is not a junk car / death trap. They have no safety measures in place and that is totally unnaceptable. As the saying goes : " Trust But Verify ''.
XXXX says that vehicles are listed by the car owners, and some states car registrations & documents do not show a vehicles title status when they upload a car to their platform.
That makes no sense. They have to have a way of verifying the junk that people are putting on their platform. I did the research for 3 cars and found everything out in 5 minutes by myself.
Now they say that the user has been kicked out of the platform and all of his cars have been removed, but it is too late for that, he already ripped me off and stole my money. And I was the one that did all of the research and provided the evidence that got him kicked out. I did all the work.
XXXX also says that : The price paid for these vehicles is set by the owner and the prices paid for rental of the consumers vehicles was {$30.00} - {$39.00} per day. So XXXX allowed this guy to put a junk / salvage / rebuilt title car on their platform that is worth XXXX dollars or maybe {$190.00} PER MONTH at most so he can rent it to me for {$40.00} PER DAY which is equal to {$1200.00} PER MONTH.
I believe that i totally paid of all of this guys junk cars, so now he has a free car that i paid top dollar for when it was worth XXXX. On top of the {$40.00} PER DAY car rental fee i had to pay {$13.00} per day for INSURANCE which is equal to {$400.00} PER MONTH for a junk car that the insurance should really be about {$75.00} PER MONTH. So in total i paid {$1600.00} per month for a car that was really worth at most in good condition about {$300.00} PER MONTH.
I was scammed and overcharged by about 500 % every day / month for those cars.
All 3 rental cars did cause an issue for me. The nissans transmission broke. The XXXX 's brake system was broken and making a terrible screeching sound and the XXXX XXXX had a tire that exploded and has no spare tire, jack, or lug nut removal tool in the trunk. And all 3 cars were junk / rebuilt / salvage title.
XXXX says : During the entire duration of these rentals, the vehicles caused no issues for the consumer. We have no records of the consumer reaching out concerning these issues until after the rentals have ended. If issues with the mechanical functionality with these rentals had occurred, then a refund would be due, however the renter kept the vehicles without incident and at this time no refund will be honored.
Everytime a car had a problem i would contact the car owner directly and he would say to not tell XXXX about it that he would just get me another better car. I obviously had 3 seperate mechanical problems with 3 seperate junk cars and a refund is due.
Also, I made no money buy using these junk cars for XXXX. I paid an average of {$53.00} PER DAY for the rental car with the insurance PLUS {$25.00} per day in gas that these junk cars were excessively consuming. So i paid for the car, insurance and gas daily about {$80.00}. On an average day with XXXX i would only make $ XXXX- {$75.00} in a 8 hour - 10 hour period. I was just working to pay the car, i never made any profit from this. i lost all the way around and i want a 100 % refund. You failed to protect me as a consumer in every way possible. Financially and safety wise. Your website says NO salvage / rebuilt title cars allowed. You failed to deliver as promised for a product that was not as described on your website, aside from all the other thing you have done wrong. I also just checked the XXXX website and the guy that rented me 3 junk cars has a partner that i remembered he told me about, and that partner has a car dealer and he has a bunch of junk / salvage /rebuilt title cars on the XXXX website right now as i type this note. Im sure that on the XXXX website today atleast 55 % of all the cars on their platform are junk / rebuilt / salvage title. XXXX must be audited by an independent company to confirm that they are not still doing this to innocent people that work hard for their money. They are putting profits before saftey and they are playing with fire. i want 100 % of my money back. I have also been warning people on other consumer websites and all over social media, XXXX and XXXX and all of the car related groups.
No matter what XXXX says they need to fully verify & validate each vehicles information that a person uploads onto their platform in order to protect the consumer. If they fail to do so they need to fully compensate the person that eneded up renting these junk cars at full price. The XXXX websites says : " No Junk, Salavage Or Rebuilt Titles Allowed '' plain and simple. They should put a Warning Sign on their website that says : " We sometimes mess up and allow people to upload their junk, salvage, rebuilt title cars on the platform where unaware consumers pay full price and risk serious injury. '' XXXX keeps saying that i never reported any problems that i had with each car to them. Car # 1 broke in 2 weeks because the transmission broke. So i called the owner directly and told him the car broke. He said ok no problem I will upload a new car to XXXX and i will put you in a new car. Car # 2 also had problems with the brake system and the car owner said again ok no problem I will upload a new car to XXXX and i will put you in a new car. Then Car # 3 broke when the tire exploded and had no spare tire or tire removal tools and again he said ok no problem I will upload a new car to XXXX and i will put you in a new car. At this time i was NOT aware that each of these 3 cars were all junk, rebuilt, salvage titles. XXXX also failed to disclose this to me each time. Obviously each car had a problem. Obivously XXXX never did any verifications on each car. XXXX always says to contact the car owner directly when there is a problem with the car. After all XXXX says they are only a platform, so what can they do for me if a car breaks? Nothing. The car owner said he has 10 cars i can choose from, so that was the fastest solution for me. The next step & the first step should have been for them to tell the car owner : " sorry we cant accept your cars on our platform due to the invalid title that came up on our inspection ''.
For Car # 3 The XXXX XXXX On XX/XX/XXXX I Contacted the XXXX Claims Department because a person very lightly hit the mirror of the car i was driving. I got a police report from the Florida Highway Patrol ( Crash # XXXX ) for the incident that happened XX/XX/XXXX. The estimated amount of damage was around {$100.00}. I also notified the car owner at the same time so he can contact XXXX and so he can work it out with the driver at fault and their insurance. He was going to pay for the replacement top cover of the drivers side mirror. That was the only cosmetic damage & it did not require a stay at the body shop. The mirror top was going to be painted and then installed. It took about 4 days from XX/XX/XXXX -XX/XX/XXXX for me to hear from the car owner because he said he was out of the country on vacation. The car owner was unavailable and was on vacation out of the country almost every weekend.
At this point and time during the Claims Process, the XXXX claims department blocked me as a driver while they investigated everything on their end for this incident they said. After 2 or 3 days of me being blocked from renting, XXXX reinstated my ability to re rent the same vehicle, Car # 3 after everything was squared away with the other drivers insurance and the car owner and XXXX all at the same time.
DURING THIS CLAIMS INVESTIGATION AROUND XX/XX/XXXX NO ONE FROM XXXX CHECKED OR FLAGGED THE VEHICLE FOR HAVING A REBUILT, SALVAGE, JUNK TITLE. THEY JUST LET ME RE RENT IT AGAIN. ONCE AGAIN THEY FAILED TO PROTECT ME.
Also, for Car # 3 The XXXX XXXX on about XX/XX/XXXX I did a chargeback request to my bank for {$51.00} for the day of XX/XX/XXXX because the car tire exploded while i was driving. The car had no spare tire in the trunk, no lug nut removal tool and no car jack to lift the car. It took me about 4 hours to resolve this tire problem on my own. I had been asking the car owner for several weeks before the tire blew up when was he going to buy new tires because they were looking bald and he would just delay and stall me for time with excuses.
I lost this dispute on XX/XX/XXXX for {$51.00} ( Ally Bank Dispute # XXXXXXXX XXXX XXXX ) because i failed to properly fill out all the forms my bank requested on time because i was just too busy with alot of things going on at once. I felt that i should have recieved this credit for the mission i was put on. I had to push the car by myself on a saturday night as the sun was setting all by myself.
Basically that same day the tire blew up I decided to no longer deal with XXXX or the car or the car owner. I could no longer concentrate, focus or trust the vehicles that I had been given. I did not feel safe on the road anymore. I lost all faith and felt unsafe and unsure of using these cars that i was being given. I kept feeling worried and afraid that i would break down again in the middle of no where at night all by myself. I emailed XXXX and the car owner that I would no longer be renting the vehicle and I instructed the car owner to pick up the car at my house. It took him about 4 days to pick up the car because he was out of the country on vacation once again.
XXXX seems to not care or not understand that i did everything correct as a consumer. I followed all of the rules and i played fair. I was the one scammed here.
XXXX also said that they immediately kicked out the car owner and his cars from the site once they were alerted. Yea, i was the one that had to investigate everything by myself and i am the one who brought this to XXXX attention after they first said that they did a full review and said that all the cars titles were good. I then showed them proof that each car was a junk title. Its incredible how i am the one being scammed here and i have had to do all of the work and show all of the proof that XXXX never did. Its like if i am doing a better job then everyone that works at XXXX.
I am the one that got scammed, i am the one that figured this whole mess out, I am the one having to provide proof of everything while XXXX wants to sit back and put the blame on me and say that i did not do things correctly.
They want to deny my refund because they say : " The consumer claims to have been put in danger, however they chose to continue with the rental, and continue making extensions with the rental. '' Well if i would have known that each car was a junk car i would of never of rented it or used it.
XXXX XXXX says that i should of done this or done that, but they did zero to protect me.
I called XXXX on XX/XX/XXXX to speak to a manager about my case. They told me on XX/XX/XXXX that a manager would call me back on XX/XX/XXXX. Mid day on XX/XX/XXXX XXXX still had not called me back, so i called them, the customer service rep said hold on one second while i find a manager, 2 minutes later the rep hung up on me, i called back the XXXX number and they have blocked my phone number from being able to call their XXXX number for customer service.
This company is up to no good. Mid XXXX of XX/XX/XXXX I tried to contact at XXXX : XXXX XXXX. Phone : XXXX to let him know about my case. i got this number from the XXXX report. I called the # and this number i am still able to reach but it is just a recording that goes to an answering machine that no one answers or responds to. I will keep the XXXX updated on if they block me from this # as well.
I have attached a snap shot of the video & The Video Link to watch the video that shows and plays the recording of me calling the XXXX XXXX customer service number on XX/XX/XXXX at XXXX and it says that I am still blocked from being able to call them and then it hangs up on me.
Watch The Video of this on XXXX : XXXX XXXX XXXX I also ask that XXXX provide & release evidence of all phone records & logs, email communications and recorded phone conversations regarding my account from every single conversation they have had with me. You will hear in these phone conversations the frustration & pain in my voice and the feeling of overwhelming confusion and mental & emotional abuse that I endured while everyone at XXXX played games with me, gave me the wrong information and did sneaky things & lied every single time to try to get rid of me and at the same time try to sweep everything under the rug. All of this abuse took place while I was genuinely trying to resolve everything in good faith with them.
I have heard 5 different reasons & have as evidence & it is documented from 5 different people at XXXX as to why they did not want to honor my refund, while at the same time no one addressed my concerns.
I have also contacted and reporting eveything that XXXX has been doing to the SEC ( U.S. Securities & Exchange Commission ) online via the investor compalint form. CASE NUMBER : XXXX. Their stock symbol is XXXX. i feel that their stockholders and board members and others would like to know that XXXX daily profits involve lying to consumers and the rental of illegal unsafe vehicles to the public with no disclosure.
I RETURNED THE LAST RENTAL ON XX/XX/XXXX. I LET XXXX KNOW ABOUT THESE JUNK, SALVAGE, REBUILT TITLE CARS ON 8/21/18 IMMEDIATELY AFTER I FOUND OUT ABOUT ALL OF THIS BY LUCK WHEN I WAS LOOKING AROUND THE XXXX WEBSITE ONXX/XX/XXXX BECAUSE I WAS INTERESTED IN BUYING A CAR AND PUTTING IT FOR RENT ON THE XXXX WEBSITE PLATFORM SO OTHERS COULD RENT IT FROM ME.
I THEN WENT TO THEIR CAR INSURANCE & REGISTRATION SECTION TO READ MORE DETAILS & I SAW IT SAID : " NO REBUILT OR SALVAGE TITLES ALLOWED ON XXXX. I THEN WENT TO THE TAB FOR MY PAST CAR RENTALS AND I WAS LOOKING AT THE YEAR, MAKES AND MODELS OF THE CARS I HAD RENTED.
I THEN SAW THE VIN NUMBERS & SOMETHING INSIDE ME TOLD ME TO XXXX : HOW TO CHECK A CAR VIN NUMBER FOR FREE ONLINE & THE FLORIDA DEPARTMENT OF MOTOR VEHICLES, VEHICLE INFORMATION CHECK WEBSITE CAME UP.
I ENTERED THE VIN NUMBER FOR 1 CAR IN THE SYSTEM AND I COULD NOT BELIEVE WHAT IT SAID : " REBUILT/SALVAGE TITLE ''.
MY FACE TURNED RED AND I COULDNT BELIEVE IT. I THEN ENTERED THE OTHER 2 VIN NUMBERS AND THEY WERE ALL THE SAME JUNK AS WELL.
I WAS VERY UPSET & I IMMEDIATLEY CALLED XXXX & EMAILED THEM WITH MY FINDINGS AND THATS WHEN THIS WHOLE PROCESS BEGAN ON XX/XX/XXXX OF XXXX LYING TO ME AND GIVING ME THE RUN AROUND AND MISDIRECTING ME, ETC.
XXXX is complaining that i took about 50 days after i returned the last vehicle to reach out for a refund. I would of reached out & made the same complaints & refund requests wheather i would of found out about this within 1 day or 1 year of having returned the last rental.
I was lucky to even be able to find out about this whole mess, cover up & misdirection that XXXX put me through with these junk, salvage, rebuilt titles.
XXXX & their Insurance company & The XXXX Claims Department failed to pick up on this scam as it was happening to me live in real time. And it happened with 3 cars in a row. And plus they let me re rent the same car after i was blocked as a driver for the incident on XX/XX/XXXX without disclosing anything to me.
And there is no excuse for the way XXXX treated me or handled this incident once i brought it to their attention. Their repeated lies, misdirection & total ignorance to this serious problem leads me to believe that they totally knew about this from the beginning & that they have done this in the past & will continue to do this to unsuspecting victims such as myself in the future. XXXX has to have a network/computer security team in their back office that has some sort of computer program that flags these cars on their platforms once it runs the VIN # s.
I have tried over and over again from the beginning with XXXX to try and resolve this in good faith but even up till now they are just giving me the run around and there is no excuse for it.
XXXX did fraud on me, gave me an unsafe vehicle, gave me a poor quality product that was not as described, they failed to protect me as a consumer, they failed to properly inspect, confirm & certify the products they allow on their platform & they never disclosed anything to me.
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| 03/16/2021 |
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- Debt collection
- Auto debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
CREDITOR CONTACT INFORMATION : ALLY FINANCIAL XX/XX/XXXX XXXX XXXX, MN XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX* On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXXS XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NE XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX Reporting Disputes XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that XXXX XXXX and XXXX XXXX maintain integrity for the American consumers.
The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information.
2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed.
3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor.
4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time.
5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports.
6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency.
I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( CRAS ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry.
DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE ON EXCESSIVE INQUIRY PRACTICES INTO A CONSUMER REPORT WITHOUT PROPER DISCLOSURES IN PLACE AND/OR ABUSIVE EXTENSION OF LEGITIMATE BUSINESS PURPOSES, THIS IS THE ACTUAL GUIDELINES OF OBTAINING CONSUMER REPORTS UNDER THE FAIR CREDIT REPORTING ACT As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Although staff generally followed the format of the U.S. Code as published by the Government Printing Office, the format of this text does differ in minor ways from the Code ( and from West 's U.S. Code Annotated ). For example, this version uses FCRA section numbers ( 601-625 ) in the headings. ( The relevant U.S. Code citation is included with each section heading and each reference to the FCRA in the text. ) 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individual 's capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days ' prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. ( 5 ) To an agency administering a State plan under Section 454 of the Social Security Act ( 42 U.S.C. 654 ) for use to set an initial or modified child support award. ( b ) Conditions for furnishing and using consumer reports for employment purposes. ( 1 ) Certification from user. A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumer 's rights under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ) [ 1681g ]. ( 2 ) Disclosure to consumer. ( A ) In general. Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless -- ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. ( B ) Application by mail, telephone, computer, or other similar means. If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application -- ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 615 ( a ) ( 3 ) ; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. ( C ) Scope. Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumer 's application for employment only if -- ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means. ( 3 ) Conditions on use for adverse actions. ( A ) In general. Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates -- ( i ) a copy of the report ; and ( ii ) a description in writing of the rights of the consumer under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ).
I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is not 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
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| 03/10/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IA XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
ALLY FINANCIAL XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
US DEPARTMENT OF EDU XXXX XXXX XXXX. XXXX XXXX XXXX, NY XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX Attn : XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mail Stop XXXX XXXX XXXX, MN XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX XXXX XXXX
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| 03/16/2021 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXXXXXX XXXX MN XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
ALLY FINANCIAL XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX, MI XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that XXXX XXXX XXXX XXXX XXXX maintain integrity for the American consumers.
The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information.
2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed.
3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor.
4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time.
5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports.
6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency.
I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( CRAS ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry.
DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE ON EXCESSIVE INQUIRY PRACTICES INTO A CONSUMER REPORT WITHOUT PROPER DISCLOSURES IN PLACE AND/OR ABUSIVE EXTENSION OF LEGITIMATE BUSINESS PURPOSES, THIS IS THE ACTUAL GUIDELINES OF OBTAINING CONSUMER REPORTS UNDER THE FAIR CREDIT REPORTING ACT This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
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| 12/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Per XXXX XXXX and 15 USC 1681 Permissible purposes Ally Financial is reporting incorrect across all 3 credit reporting agencies XXXX, XXXX, XXXX. XXXX say I opened account on XXXX. XXXX and XXXX says I opened account on XXXX. XXXX. The balances are being reported incorrectly XXXX and XXXX says XXXX. XXXX is a reporting XXXX. XXXX is reporting a open account and XXXX and XXXX are reporting closed accounts. Per 15 USC 1666a -b Reporting ADVERSE credit ratings or standings on my credit report, Timing on Payment the credit reporting agencies can not report utilization to any 3rd party All 3 companies are reporting Utilization which is wrong. A closed account and charged off account can not report any past due Balances. Per 31 CFR 903.5 AND 31 USC 3711 Also a charged off account is income and a certificate of Indebtedness according to the Irs Publication. The credit reporting agencies are not to report income on my credit report. Reporting a charge off C/O Every month is illegal. you are reading the account and they can not repeat charge offs every month can only report once. Ally Financial is in violation of my privacy rights Per the Privacy Act of 1974 Also said that under 5 USC 552A your social is not suppose to be given out to anyone. They also sharing information with another 3rd party /non affiliate which is in violation of my 16 CFR 313.7 Opt-Out notice. Ally Financial violated my rights as well under 15 USC 6802-6805 They are suppose to send me a opt-out letter every 30 days. I Have the right to opt-out of anything on credit report. Here is a list of laws that Ally Financial is abusing and violating me as well as all 3 credit reporting agencies XXXX, XXXX and XXXX, XXXX XXXX XXXX XXXX XXXX ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.
c ) Furnisher means an entity that furnishes information relating to consumers to one or more consumer reporting agencies for inclusion in a consumer report. An entity is not a furnisher when it : ( 1 ) Provides information to a consumer reporting agency solely to obtain a consumer report in accordance with sections 604 ( a ) and ( f ) of the FCRA ; ( 2 ) Is acting as a consumer reporting agency as defined in section 603 ( f ) of the FCRA ; ( 3 ) Is a consumer to whom the furnished information pertains; or ( 4 ) Is a neighbor, friend, or associate of the consumer, or another individual with whom the consumer is acquainted or who may have knowledge about the consumer, and who provides information about the consumer 's character, general reputation, personal characteristics, or mode of living in response to a specific request from a consumer reporting agency.
( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : The Privacy Act of 1974 is a federal law that governs our collection and use of records we maintain on you in a system of records. A system of records is any grouping of information about an individual under the control of a Federal agency from which information is retrievable by personal identifiers, such as name, social security number, or other identifying number or symbol. Under the Privacy Act, Federal agencies may not disclose information without consent unless certain exceptions apply to the disclosure. The Privacy Act provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information.
( b ) CONDITIONS OF DISCLOSURE.No agency shall disclose any record which is contained in a system of records by any means of communica- tion to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 1 ) to those officers and employees of the agency which maintains the record who have a need for the record in the performance of their duties; ( 2 ) required under section 552 of this title ; ( 3 ) for a routine use as defined in subsection ( a ) ( 7 ) of this section and described under sub- section ( e ) ( 4 ) ( D ) of this section ; ( 4 ) to the Bureau of the Census for purposes of planning or carrying out a census or survey or related activity pursuant to the provisions of title 13 ; ( 5 ) to a recipient who has provided the agen- cy with advance adequate written assurance that the record will be used solely as a statis- tical research or reporting record, and the record is to be transferred in a form that is not individually identifiable ; ACCOUNTING OF CERTAIN DISCLOSURES. Each agency, with respect to each system of records under its control, shall ( 1 ) except for disclosures made under sub- sections ( b ) ( 1 ) or ( b ) ( 2 ) of this section, keep an accurate accounting of ( A ) the date, nature, and purpose of each disclosure of a record to any person or to an- other agency made under subsection ( b ) of this section; and ( B ) the name and address of the person or agency to whom the disclosure is made ; ( 2 ) retain the accounting made under para- graph ( 1 ) of this subsection for at least five years or the life of the record, whichever is longer, after the disclosure for which the ac- counting is made ; ( 3 ) except for disclosures made under sub- section ( b ) ( 7 ) of this section, make the ac- counting made under paragraph ( 1 ) of this sub- section available to the individual named in the record at his request; and ( 4 ) inform any person or other agency about any correction or notation of dispute made by the agency in accordance with subsection ( d ) of this section of any record that has been dis- closed to the person or agency if an account- ing of the disclosure was made.
( n ) MAILING LISTS.An individuals name and address may not be sold or rented by an agency unless such action is specifically authorized by law. This provision shall not be construed to re- quire the withholding of names and addresses otherwise permitted to be made public.
31 CFR 29.518 - Reporting delinquent debts to credit bureaus.
e ) Privacy Act considerations. A delinquent debt may not be reported under this section unless a notice issued pursuant to the Privacy Act, 5 U.S.C. 552a ( e ) ( 4 ), authorizes the disclosure of information about the debtor to a credit bureau.
15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information.
( b ) Financial institutions safeguardsIn furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from afinancial institution nonpublic personal information under this section shall not, directly or through anaffiliate of such receiving third party, disclose such information to any other person that is anonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.
( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.
15 U.S. Code 6805 Enforcement ( A ) national banks, Federal branches and Federal agencies of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( B ) member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, organizations operating under section 25 or 25A of the Federal Reserve Act [ 12 U.S.C. 601 et seq., 611 et seq. ], and bank holding companies and their nonbank subsidiaries oraffiliates ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( C ) 313.7 Form of opt out notice to consumers ; opt out methods.
( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.
( e ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it.
( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
( C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address.
( D ) Definition For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.
15 usc 1681m ( 1 ) In general No person shall sell, transfer for consider- ation, or place for collection a debt that such person has been notified under section 1681c2 of this title has resulted from identity theft.
12 CFR 1022.41 ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.
( b ) Direct dispute means a dispute submitted directly to a furnisher ( including a furnisher that is a debt collector ) by a consumer concerning the accuracy of any information contained in a consumer report and pertaining to an account or other relationship that the furnisher has or had with the consumer.
( c ) Furnisher means an entity that furnishes information relating to consumers to one or more consumer reporting agencies for inclusion in a consumer report. An entity is not a furnisher when it : ( 1 ) Provides information to a consumer reporting agency solely to obtain a consumer report in accordance with sections 604 ( a ) and ( f ) of the FCRA ; ( 2 ) Is acting as a consumer reporting agency as defined in section 603 ( f ) of the FCRA ; ( 3 ) Is a consumer to whom the furnished information pertains; or ( 4 ) Is a neighbor, friend, or associate of the consumer, or another individual with whom the consumer is acquainted or who may have knowledge about the consumer, and who provides information about the consumer 's character, general reputation, personal characteristics, or mode of living in response to a specific request from a consumer reporting agency.
( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and ( e ) Duty of furnisher after receiving a direct dispute notice. After receiving a dispute notice from a consumer pursuant to paragraphs ( c ) and ( d ) of this section, the furnisher must : ( 1 ) Conduct a reasonable investigation with respect to the disputed information ; ( 2 ) Review all relevant information provided by the consumer with the dispute notice ; ( 3 ) Complete its investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( 4 ) If the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the furnisher provided inaccurate information of that determination and provide to the consumer reporting agency any correction to that information that is necessary to make the information provided by the furnisher ( b ) Definitions. The following definitions apply to this exemption : 16 CFR 313.1 ( b ) Scope. This part applies only to nonpublic personal information about individuals who obtain financial products or services primarily for personal, family or household purposes from the institutions listed below. This part does not apply to information about companies or about individuals who obtain financial products or services for business, commercial, or agricultural purposes. This part applies to those financial institutions over which the Federal Trade Commission ( Commission ) has rulemaking authority pursuant to section 504 ( a ) ( 1 ) ( C ) of the Gramm-Leach-Bliley Act. An entity is a financial institution if its business is engaging in an activity that is financial in nature or incidental to such financial activities as described in section 4 ( k ) of the Bank Holding Company Act of 1956, 12 U.S.C. 1843 ( k ), which incorporates activities enumerated by the Federal Reserve Board in 12 CFR 225.28 and 225.86. The financial institutions subject to the Commission 's rulemaking authority are any persons described in 12 U.S.C. 5519 that are predominantly engaged in the sale and servicing of motor vehicles, the leasing and servicing of motor vehicles, or both. They are referred to in this part as You. Excluded from the coverage of this part are motor vehicle dealers described in 12 U.S.C. 5519 ( b ) that directly extend to consumers retail credit or retail leases involving motor vehicles in which the contract governing such extension of retail credit or retail leases is not routinely assigned to an unaffiliated third party finance or leasing source.
( m ) ( 1 ) Nonaffiliated third party means any person except : ( i ) Your affiliate; or ( ii ) A person employed jointly by you and any company that is not your affiliate ( but nonaffiliated third partyincludes the other company that jointly employs the person ).
( 2 ) Nonaffiliated third party includes any company that is an affiliate by virtue of your or your affiliate 's direct or indirect ownership or control of the company in conducting merchant banking or investment banking activities of the type described in section 4 ( k ) ( 4 ) ( H ) or insurance company investment activities of the type described in section 4 ( k ) ( 4 ) ( I ) of the Bank Holding Company Act ( 12 U.S.C. 1843 ( k ) ( 4 ) ( H ) and ( I ) ).
( n ) ( 1 ) Nonpublic personal information means : ( i ) Personally identifiable financial information; and ( ii ) Any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any personally identifiable financial information that is not publicly available.
Subpart A - Privacy and Opt Out Notices 313.4 Initial privacy notice to consumers required.
( a ) Initial n 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information.
( b ) Financial institutions safeguardsIn furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
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Per Cfr 1022.41 and 15 USC 1681 Permissible purposes Ally Financial is reporting incorrect across all to XXXX credit reporting agencies. Per 15 USC 1666a -b Reporting ADVERSE credit ratings or standings on my credit report, Timing on Payment the credit reporting agencies can not report utilization to any companies are reporting Utilization which is wrong. A closed account and charged off account can not report any past due Balances. Per 31 CFR 903.5 AND 31 USC 3711 Also a charged off account is income and a certificate of Indebtedness according to the Irs Publication. The credit reporting agencies are not to report income on my credit report. Every month Ally Financial is reporting C/O charge off on my credit report and that is illegal you can't charge off a debt every month it is re-aging the debt making it look newer than what it is and manipulating the the system. Ally Financial has violated my privacy numerous of times by selling my information multiples times to a 3rd party without my consent. Ally Financial has sold my personal information to such as my address, social security number, birthday and name and they are lying about it. Ally Financial is in violation of my privacy rights Per the Privacy Act of XXXX Also said that under 5 USC 552A your info is not suppose to be given out to anyone. They also sharing information which is in violation of my 16 CFR 313.7 Opt-Out notice. Ally Financial violated my rights as well under 15 USC 6802-6805 They are suppose to send me a opt-out letter every 30 days. I Have the right to opt-out of anything on credit report. Here is a list of laws that Ally Financial is abusing and violating me as well as credit reporting agency XXXX. 12 CFR 1022.41 ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( XXXX ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. c ) Furnisher means an entity that furnishes information relating to consumers to one or more consumer reporting agencies for inclusion in a consumer report. An entity is not a furnisher when it : ( 1 ) Provides information to a consumer reporting agency solely to obtain a consumer report in accordance with sections 604 ( a ) and ( f ) of the FCRA ; ( 2 ) Is acting as a consumer reporting agency as defined in section 603 ( f ) of the FCRA ; ( 3 ) Is a consumer to whom the furnished information pertains; or ( 4 ) Is a neighbor, friend, or associate of the consumer, or another individual with whom the consumer is acquainted or who may have knowledge about the consumer, and who provides information about the consumer 's character, general reputation, personal characteristics, or mode of living in response to a specific request from a consumer reporting agency. ( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : The Privacy Act of 1974 is a federal law that governs our collection and use of records we maintain on you in a system of records. A system of records is any grouping of information about an individual under the control of a Federal agency from which information is retrievable by personal identifiers, such as name, social security number, or other identifying number or symbol. Under the Privacy Act, Federal agencies may not disclose information without consent unless certain exceptions apply to the disclosure. The Privacy Act provides protections to individuals in XXXX primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information. ( b ) CONDITIONS OF DISCLOSURE.No agency shall disclose any record which is contained in a system of records by any means of communica- tion to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 1 ) to those officers and employees of the agency which maintains the record who have a need for the record in the performance of their duties; ( 2 ) required under section 552 of this title ; ( 3 ) for a routine use as defined in subsection ( a ) ( 7 ) of this section and described under sub- section ( e ) ( 4 ) ( D ) of this section ; ( 4 ) to the Bureau of the Census for purposes of planning or carrying out a census or survey or related activity pursuant to the provisions of title 13 ; ( 5 ) to a recipient who has provided the agen- cy with advance adequate written assurance that the record will be used solely as a statis- tical research or reporting record, and the record is to be transferred in a form that is not individually identifiable ; ACCOUNTING OF CERTAIN DISCLOSURES. Each agency, with respect to each system of records under its control, shall ( 1 ) except for disclosures made under sub- sections ( b ) ( 1 ) or ( b ) ( 2 ) of this section, keep an accurate accounting of ( A ) the date, nature, and purpose of each disclosure of a record to any person or to an- other agency made under subsection ( b ) of this section; and ( B ) the name and address of the person or agency to whom the disclosure is made ; ( 2 ) retain the accounting made under para- graph ( 1 ) of this subsection for at least five years or the life of the record, whichever is longer, after the disclosure for which the ac- counting is made ; ( 3 ) except for disclosures made under sub- section ( b ) ( 7 ) of this section, make the ac- counting made under paragraph ( 1 ) of this sub- section available to the individual named in the record at his request; and ( 4 ) inform any person or other agency about any correction or notation of dispute made by the agency in accordance with subsection ( d ) of this section of any record that has been dis- closed to the person or agency if an account- ing of the disclosure was made. ( n ) MAILING LISTS.An individuals name and address may not be sold or rented by an agency unless such action is specifically authorized by law. This provision shall not be construed to re- quire the withholding of names and addresses otherwise permitted to be made public. 31 CFR 29.518 - Reporting delinquent debts to credit bureaus. e ) Privacy Act considerations. A delinquent debt may not be reported under this section unless a notice issued pursuant to the Privacy Act, 5 U.S.C. 552a ( e ) ( 4 ), authorizes the disclosure of information about the debtor to a credit bureau. 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. ( b ) Financial institutions safeguardsIn furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from afinancial institution nonpublic personal information under this section shall not, directly or through anaffiliate of such receiving third party, disclose such information to any other person that is anonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. ( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. 15 U.S. Code 6805 Enforcement ( A ) national banks, Federal branches and Federal agencies of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( B ) member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, organizations operating under section 25 or 25A of the Federal Reserve Act [ 12 U.S.C. 601 et seq., 611 et seq. ], and bank holding companies and their nonbank subsidiaries oraffiliates ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( C ) 313.7 Form of opt out notice to consumers ; opt out methods. ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. ( e ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. ( C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. ( D ) Definition For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information. 15 usc 1681m ( 1 ) In general No person shall sell, transfer for consider- ation, or place for collection a debt that such person has been notified under section 1681c2 of this title has resulted from identity theft. 12 CFR 1022.41 ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. ( b ) Direct dispute means a dispute submitted directly to a furnisher ( including a furnisher that is a debt collector ) by a consumer concerning the accuracy of any information contained in a consumer report and pertaining to an account or other relationship that the furnisher has or had with the consumer. ( c ) Furnisher means an entity that furnishes information relating to consumers to one or more consumer reporting agencies for inclusion in a consumer report. An entity is not a furnisher when it : ( 1 ) Provides information to a consumer reporting agency solely to obtain a consumer report in accordance with sections 604 ( a ) and ( f ) of the FCRA ; ( 2 ) Is acting as a consumer reporting agency as defined in section 603 ( f ) of the FCRA ; ( 3 ) Is a consumer to whom the furnished information pertains; or ( 4 ) Is a neighbor, friend, or associate of the consumer, or another individual with whom the consumer is acquainted or who may have knowledge about the consumer, and who provides information about the consumer 's character, general reputation, personal characteristics, or mode of living in response to a specific request from a consumer reporting agency. ( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and ( e ) Duty of furnisher after receiving a direct dispute notice. After receiving a dispute notice from a consumer pursuant to paragraphs ( c ) and ( d ) of this section, the furnisher must : ( 1 ) Conduct a reasonable investigation with respect to the disputed information ; ( 2 ) Review all relevant information provided by the consumer with the dispute notice ; ( 3 ) Complete its investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( 4 ) If the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the furnisher provided inaccurate information of that determination and provide to the consumer reporting agency any correction to that information that is necessary to make the information provided by the furnisher ( b ) Definitions. The following definitions apply to this exemption : 16 CFR 313.1 ( b ) Scope. This part applies only to nonpublic personal information about individuals who obtain financial products or services primarily for personal, family or household purposes from the institutions listed below. This part does not apply to information about companies or about individuals who obtain financial products or services for business, commercial, or agricultural purposes. This part applies to those financial institutions over which the Federal Trade Commission ( Commission ) has rulemaking authority pursuant to section 504 ( a ) ( 1 ) ( C ) of the Gramm-Leach-Bliley Act. An entity is a financial institution if its business is engaging in an activity that is financial in nature or incidental to such financial activities as described in section XXXX ( k ) of the Bank Holding Company Act of 1956, 12 U.S.C. 1843 ( k ), which incorporates activities enumerated by the Federal Reserve Board in 12 CFR 225.28 and 225.86. The financial institutions subject to the Commission 's rulemaking authority are any persons described in 12 U.S.C. 5519 that are predominantly engaged in the sale and servicing of motor vehicles, the leasing and servicing of motor vehicles, or both. They are referred to in this part as You. Excluded from the coverage of this part are motor vehicle dealers described in 12 U.S.C. 5519 ( b ) that directly extend to consumers retail credit or retail leases involving motor vehicles in which the contract governing such extension of retail credit or retail leases is not routinely assigned to an unaffiliated third party finance or leasing source. ( m ) ( 1 ) Nonaffiliated third party means any person except : ( i ) Your affiliate; or ( ii ) A person employed jointly by you and any company that is not your affiliate ( but nonaffiliated third partyincludes the other company that jointly employs the person ). ( 2 ) Nonaffiliated third party includes any company that is an affiliate by virtue of your or your affiliate 's direct or indirect ownership or control of the company in conducting merchant banking or investment banking activities of the type described in section 4 ( k ) ( 4 ) ( H ) or insurance company investment activities of the type described in section 4 ( k ) ( 4 ) ( I ) of the Bank Holding Company Act ( 12 U.S.C. 1843 ( k ) ( 4 ) ( H ) and ( I ) ). ( n ) ( 1 ) Nonpublic personal information means : ( i ) Personally identifiable financial information; and ( ii ) Any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any personally identifiable financial information that is not publicly available. Subpart A - Privacy and Opt Out Notices 313.4 Initial privacy notice to consumers required. ( a ) Initial n 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. ( b ) Financial institutions safeguardsIn furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
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| 01/27/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Older American |
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{ NOTE : Not knowing your websites documentation box capacity, Im sharing with you that this was 6 pages as I worked on it in MSWord. So you will know you have it all, I put === THE END === at the very end of the document. If you dont see XXXX THE END === you do not have my total document. If that is the case, please let me know what I must do to get the whole document to you so this matter does not get any worse. Thank you. } During the second quarter of XXXX, I shopped for and bought a XXXX XXXX XXXX XXXX from XXXX XXXX. It was my wish to finance the car through XXXX XXXX XXXX XXXX XXXX in my hometown of XXXX, NE, with which I have a 50+ year relationship. They gave me an almost certain verbal approval but said they required 10-14 days to process the loan and get the money to XXXX. XXXX said they could not and would not hold the car that long but said they absolutely, positively could secure my financing. I chose this alternative as the car was one I really liked and wanted. I filled out XXXX necessary paperwork and got approved by several lenders and with XXXX XXXX assistance picked the one that seemed to be most favorable. XXXX delivered the car on XXXX when I also signed a whole bunch of documents. XXXX told me the finance company would be in contact with me in the future to provide me with a welcoming kit, the sales contract, a payment book, etc. so as to begin the relationship. This all seemed standard, acceptable procedure to me, as it had been many years since I had financed a car. After about a month, I called XXXX and asked why I had not heard from the finance company. I was told to calm down and be patient. XXXX said you have the car and they will be in contact because theyll want their money. I called one other time a few weeks later with the same inquire and was told the same thing. I also asked XXXX if they could possibly send me a copy of the sales contract. They said they had done so already but would send it again. As unprofessional and flakey as that had been throughout the whole selling process, this did not raise any red flags to me. On or about XX/XX/XXXX, I was contacted by a woman who identified herself as XXXX XXXX with Ally Financial. This was my first Ally contact of any type. She started out with a stark attitude treating me as if I was an irresponsible, low-life, credit deadbeat. She demanded to know why I was not making payments on my loan. I relayed all XXXX had told me and that I had received nothing from any finance company to date. She countered saying that was not possible, as Ally had been billing me. I repeated that I had received nothing from any finance company and asked where have you been sending what youre saying youve sent? I discovered then and there for the very first time Ally was using a WRONG address and that wrong address had been given to them by XXXX -- not me! XXXX rectified to the correct address. I asked if ALL previously mailed correspondence could be re-mailed. XXXX said she would try, but she was not sure if it would be possible. Really? To me, this was quite unprofessional consider this situation had not been caused by me. We talked further and XXXX agreed it definitely would be acceptable to Ally for me make payments of {$320.00} ( my required payment is {$310.00}?? ) from my next 3 paychecks ( to my best recollection of exact dates ) on XX/XX/XXXX to cover the XXXX payment, XX/XX/XXXX to cover the XXXX payment and XX/XX/XXXX to cover my XXXX payment due XX/XX/XXXX. This is exactly what I did! During this same conversation with XXXX, I point-blank asked if this mistake caused by XXXX, which was absolutely no fault of mine in that I had no way of knowing Ally had been given the wrong address, would impact my credit bureau reports. She assured me it would not considering the circumstances. By the time we ended the call, XXXX had abandoned her affronting collection approach and had become very nicely civil in tone. From then on, I made payments on time until XX/XX/XXXX. Several months after my call with XXXX, my credit bureau alerting service notified me via email that I had two 30 day lates, which amounted to being 60 days late scored against me on all three of my credit bureaus, which sadly made what XXXX had told me not true! When I called to inquire about this with customer service, I was meant with snarky sass and told, I was late and Ally was correct. When the call ended I was in major frustration and total disbelief than any company would be so blatantly unprofessional as to negatively mark someone for something that they knew full well was completely out of their knowledge or control. I called customer service 4 or 5 other times and continued to seek to have those inappropriate, unfair, unjust, egregious marks removed from my credit bureau reports. Each time I had to try and work through an unbelievably difficult English language barrier with people who spoke the language very poorly and seemed to fully lack the capability to sufficiently understand the syntax of what I was trying to explain. One of the agents said no one in customer service could help and the only way there might be a remote chance of any assistance would be to email some other ( I think she said back-office ) department that might give consideration to looking into this matter. When I asked for that email address or a telephone number, I was told neither one was something Ally ever shared but she said she would be sending an email on my behalf. On one of the subsequent tries, in that I had grown tired of being stonewalled, I finally decided to ask to speak to a supervisor and I was told they could not help me because I had been late and ended that call without ever giving me any time to provide the reason I was asking for some fair, professional treatment. After demanding to speak to a supervisor on a follow-up call, I learned I was again blatantly lied to and that no email had ever been sent! This supervisor promised he would take care of sending the details but I would have to be patient as it could take several months to get an answer. Several months, really ; just what kind of pathetic customer service is that if not just plain harassment? I asked if there was only just one person in that department and was told no, thats just how long it takes. I explained my medical loan need for a swifter reply and was further belittled with, sorry. I had been in the process of getting a loan for serious personal medical reasons and I had been approved, however, during the banks final pre-funding loan review the credit report negatives showed up on my bureau reports and my loan was table until such time as I could get the negatives cleared and removed. Sometime thereafter I received a curt letter from Ally saying their review found their actions extremely accurate and they would be making no adjustments! How is that not other than deliberate, abusive harassment? Needless to say, because of my health condition and my desire to keep living life as the most important thing to me, I tried again to get Ally to both understand and cooperate and remove the grossly unjust credit bureau marks. Again with the help of yet another supervisor, a resubmission was done and the same letter was sent again weeks later. In the meantime, my bureau alert service informed me that one of the 30-day lates had been removed. What a disgusting unprofessional slap in the face insult. How could I be not late for just one month when there were originally two months when XXXX XXXX made initial contact with me? To this day, I have never received the contract or any of the initially mailed introductory paperwork as several times promised more deception. To me, Ally has been a company that projects hate where most others provide positive, caring customer service that shows compassionate cooperation in such trivial clerical matters.
In early XX/XX/XXXX, I got a call from my personal bank, XXXX, inquiring about a just made $ 600+ charge, which we quickly concluded was a fraud and not mine. The bank, for mine and their mutual defense and protection, froze my account for a week to stop any additional fraud hits, which I was told was a very standard banking operating procedure. Since XXXX, I have been a repeat target of identity theft fraud in the thousands and thousands and thousands of dollars and I am very sensitive to the XXXX and expense it brings into ones life. Having banked with XXXX since XXXX, I trust and believe them as they have always worked positively in my best interest. The XXXX agent NEVER mentioned to me that any other payments which I might have in process would also not be honored. They included my electric bill, my gas bill, my XXXX XXXX bill, two VISA payments and my payment to Ally made on XX/XX/XXXX. In that I was on record with XXXX for a payment of {$320.00} prior to the XXXX day of each month to Ally I had absolutely no reason to even consider thinking my Ally payment or any of my other regular, on-record payments in process with XXXX would not clear. As soon as I realized the magnitude of this situation, I immediately called XXXX to notify them I would be making extra, out-of-sequence payments to Ally and the others so as to show good faith to Ally and my other accounts during the fraud matter and to catch up as quickly as possible. Fraud is XXXX and no one likes being a victim but it sadly is an ongoing condition attacking all banking far too often and I erroneously had thought Ally would be much more knowledgeable and far more understanding then they have been. On XX/XX/XXXX I made another {$320.00} payment, the maximum payment amount on record with XXXX. A week or so thereafter I noticed none of the Ally payments had not while all my others had. Ally is slower than any other online payments I make each month in doing their payment processing. After all, Ally has done to me, which I personally feel is very unethical and unfair, I can not help but think they might slow payment processing so as to gain the ability to charge the maximum amount of interest possible. I called XXXX and asked rather pointedly why in the XXXX they were returning my payments. They stated they were not. I then asked what was going on. The fraud agent said he could only speculate. One thing he mentioned was a computer spike that might have altered the data within the Ally system, which he said was the most frequent reason he had encountered during his tenure with XXXX, so as to make them not process correctly. As a related aside, Ally has one of the most difficult, confusing, convoluted websites of any I have ever used or have had to try and figure out how to navigate so as to be a responsible on-time borrower. While talking with Ally personnel who are supposedly designated as website trained for client assistance is, for the most part, a waste of time. Another thing the fraud department man mentioned was that some penny-pinching finance companies are known to freeze payment accounts solely because they dont want to pay bouncing fees thereby causing their patrons payment not to post. I questioned him in that I was not fully capable of comprehending why any entity that needs and wants to collect money from their accounts would do something so exceeding counterproductive and stupid so as to get into their own way and cause themselves extra work. He said he was able to see payment attempts but could provide no reasons and encouraged me to repeat my payments to show good faith and keep myself from being put into a more negative light. I did just that on XX/XX/XXXX and XXXX and the same thing happened again! When I called XXXX again another agent also said often times financial institutions unscrupulously will freeze customer payment accounts, which she said XXXX never does, solely to be able to charge more interest, penalties and late fees as an additional revenue source. When I told her I had learned I was marked with more credit bureau late payments dings, she said, thats part of their game. When I asked her if Ally was allowed to call former and current employers, relatives or friends as they had done her reply was, oh my god. She said all I could do was ask for the lock to be lifted and hope they did so, and then make the payments again, in that having my grandfathered free ( absolutely ) no-frills checking account which does not have many features of which online banking is an unavailable one. Additionally, I no longer have and have not written any actual paper checks for decades. Furthermore, I had never in my life heard of any financial institution being stupid enough or mean enough to unprofessionally block methods of payment when their goal is to be paid!
Fully frustrated and disgruntled with the abusive, negative customer service ( my personal evaluation ) up to this point in time, I decided to try to see if anything in the realm of real customer service might come from using the online chat, which is a gross misnomer in that it is a typing exercise. I was on my computer for > 2 hours. Very little was accomplished other to have the Ally typer accuse me of changing my account number really you just cant make up this stuff. I proceeded to type to him that when I made my very first payments I properly loaded my bank account information correctly and all of my subsequent payments posted properly until my bank suspended all my payments solely do to the outside fraud attack. The Ally typer proceeded to insinuate I had changed my account number considering I had shared XXXX with him and he had typed to me he was looking at XXXX. I made it clear to him I did not appreciate him typing I had deliberately done something to intentionally cause myself all this grief, frustration or stress! Come on really? I then typed him if he could tell me what checking account number was at that time loaded into my Ally pay module and he said he could not. He typed, I could clearly see that on my account. I then typed him as to how I could do that because in all the time Ive been using the misfit website there was no time I saw any way to verify my checking account information input. I typed him why my account had been locked out of use in the first place and he typed something illogical as a reply. I then typed, how do we solve this problem? He typed nothing of substance but again went out of his was to insinuate it was all of my doing. I typed, he was abjectly wrong! When I carefully go to input my checking account information and very carefully making sure it is correct, the Ally website gives me an error message that reads an account with this routing number and checking account number has been locked out! He again typed noting which could be concluded as an intelligent reply. I also typed to him if my account had been XXXX as he so disgustingly tried to insinuate, there would be no way the right checking account information with XXXX would be locked out as it would be brand new to the Ally system. One last time I typed two questions : 1 ) Why was my checking account locked out in the first place after I had talked to numerous Ally people a few of which were totally aware of the whole situation? 2 ) Why does Ally deliberately and now seemingly intentionally doing everything in their power to escalate this convoluted situation even further? When what was typed back was void of intelligent, logical answers, I decided it was time to end my chat with this poorly programmed tree stump.
I finally got the attention of their presidential escalation department ( I think that is what they call it ) and was called by one of the most affronting, unprofessional, rude individuals I have encountered in my life. Ally could not train an individual to be a worse representation of pathetic customer service or public relations. She is incapable of shutting up and stopping from interrupting long enough for someone to detail the entire subsequent problem. She was more intent on spewing rules and procedures and being threatening and condescending. The manner in which she presented herself caused me to believe she had already made a decision and her only remaining task was to cram it down my throat. When I was finally able to squeeze in a few questions, I got abrupt answers. I asked if she thought she and Ally were even close to being fair and I got more verbal flack. When I asked why my account was locked, she avoided any logical answer, just as the typer had, beyond again spewing procedure and then insinuated it all of my doing. I was on the phone with this woman for 20+ minutes and the whole ordeal was a disgusting harassment when I had hoped after the initial introduction that Ally FINALLY might be stepping up to the plate to do something that just might be fair and just. This women, who only would identify herself as XXXX ( sp? ) at extension XXXX, which by the way did not work when I tried to call her back to find out why she had not called me at XXXX XXXX the next day as she had voluntarily promised she most definitely would and for which I took the time ( and money ) off from work to respectfully honor her supposed return call with the continued hope of finally receiving some fair justice in both of these credit bureau situations caused by Ally. When I called the phone number she gave me the second time a few minutes later after realizing I had been given a wrong extension, I spoke with and worked with a fine, knowledge, compassionate, professional gentleman named XXXX at extension XXXX, who was so apologetic for the previous day. He said he would be more than happy to try and help me and he was so great in all of his attempts and again apologized. He was not sure if he was going to be able to take over the case or not I could only hope and pray, as I have no desire to ever speak to the previous woman ever again. Finally, to top all of this off, the next day at about XXXX XXXX she had the city police department come to my home, pound on my front door and interrogate and embarrass me like a common criminal in front of all of my neighbors for over half an hour. Fortunately for me, I was able to cajole them into not taking me to the police station with them which would have made this whole horrible situation worse and further compound my life by causing me to be a no-call-no-show at work! At the end of the ordeal, one of the officers explained to me that according to the law they are required to do what they did even if they clearly and completely feel they are being used as a deliberate form of harassment or retaliation, which he said happens far too often, in a civil dispute just to avoid their liability for those times that might have a real significant substance. Ally is also sending me ugly, severely threating letters and with them, they are treating me like I am a calculated criminal individual who is trying to defraud them when all the while everything that has happened has NOT been any fault of mine whatsoever and I have very diligently and have deliberately continued to sustain my desire to clearly show I want to make all payments and get this matter completely resolved. I did not provide the wrong address nor did I ask to have my ONLY FORM OF PAYMENT locked so I would look like I was someone who did not care and was, in fact, the deadbeat Ally is seemingly trying to set me up to look like I am with their unorthodox, unexplainable, deceptive, manipulative practices and processes.
What I would like, if you fine people at Consumer Financial Protection Bureau can make it happen, is to have my XXXX account UNLOCKED within the Ally online payment portal so I can the very next 4 days thereafter make payments each day of {$320.00} so as to bring my account current, if you can make it happen before XX/XX/XXXX, my XXXX due date. I would also love to have all of the lates removed from the Ally sections of my credit bureau reports so I can get the loan processed to be able to move forward with my personal health crisis and substantially lengthen the estimated amount of time I have left to live. And finally, I would like all penalties, late fees and extra interest subtracted from my Ally account. And If I have to continue dealing with Ally to accurately, finally resolve this matter, I would really like to do so with XXXX as I really do not want any more contact with the other woman for the rest of my life. I look forward with great anticipation to learning what you might be able to do to resolve this matter at your earliest possible convenience so they do not escalate this matter to the point of repossessing my car. The people who referred me to your agency spoke very highly of your effectiveness, your promptness and your ability to solve even the most complex problems in a favorable manner for the complainant ; one person even said you might be the most efficient bureau in the federal government.
=== THE END ===
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| 05/17/2023 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Funds not received from closed account
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|
Web |
|
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Re : AND Ally Bank ( owned by Ally Financial ) XXXX ( owned by XXXX XXXX ) XXXX, Utah XXXX, Arizona XXXX XXXX www.ally.com XXXX To whom it may concern, I would like to submit a complaint regarding Ally Bank and XXXX. I was a customer of Ally from XXXX XX/XX/XXXX until XXXX XX/XX/XXXX. I often used XXXX via the Ally phone application to transfer money with friends and family during that time.
However, in XX/XX/XXXX, Ally and XXXX terminated my access without any cause over unfounded suspicion about fraudulent activity. Ally conducted an inadequate investigation that failed to take into account the relevant facts and circumstances and has caused me financial distress and harm by abruptly, and tortiously, preventing my access to my money. I have been conferring with legal counsel and sent letters to Ally and XXXX via the XXXX to establish the facts surrounding this situation and to 1. seek confirmation that neither Ally nor XXXX will be reporting any of my activity as fraudulent externally 2. for XXXX to reverse their decision and 3. for Ally to provide me with an accurate and complete statement of accounting of the last months transactions in light of the extensive evidence provided.
In XX/XX/XXXX, I began planning a trip to XXXX XXXX with my friend of over ten years, XXXX XXXX. XXXX and I met in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX and have been very close ever since. A mutual friend from XXXX is getting married in XXXX XXXX, XXXX XXXX in XX/XX/XXXX. XXXX currently lives in XXXX, Colorado and works as a dermatology physician assistant. I currently live in XXXX XXXX, California and work as a XXXX XXXX XXXX XXXX XXXX performing reconstructive surgeries for children born with XXXX XXXX. XXXX and I began planning our trip in XX/XX/XXXX, and I paid for the following for both XXXX and myself : 1. Hotel in XXXX XXXX booked through XXXX XXXX and XXXX XXXX by XXXX booked for XXXX XX/XX/XXXX paid with my XXXX XXXX XXXX XXXX on XXXX XX/XX/XXXX totaled {$520.00} 2. XXXX XXXX XXXX XXXX in XXXX XXXX, XXXX XXXX XXXX booked for XXXX XXXX paid with my XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX totaled XXXX XXXX as quoted by the lodge on- {$4200.00} was charged to my XXXX XXXX - I quoted XXXX {$4200.00} via text on Monday ( see screenshot of conversion below ) 3. Hotel in XXXX XXXX booked directly through the hotel website The XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX booked with my XXXX XXXXXXXX XXXX XXXX on XXXX XX/XX/XXXX totaled XXXX ( equivalent to approximately {$1800.00} USD on the date of purchase ) In turn, my friend XXXX XXXX XXXX for my round-trip flights from XXXX XXXX to XXXX for the XXXX in XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX for flights on XXXX XX/XX/XXXX and XXXX XX/XX/XXXX totaling XXXX XXXX ( equivalent to approximately {$560.00} USD on the date of purchase ).
( Please see attached document for original complaint submitted including screenshots and receipts. ) Because we split the costs of the hotels and safari lodge, XXXX owed me {$3300.00}, and we subtracted the {$560.00} I owed him for my flight, totaling {$2700.00} that XXXX owed me.
XXXX XXXX is a XXXX customer who had never used XXXX before. I asked him to pay me via XXXX because I felt that it was more secure than XXXX, and far more efficient than mailing a check. On XXXX XX/XX/XXXX, XXXX tried signing up for XXXX. He had some difficulty doing so. At the end of XXXX XX/XX/XXXX, he was able to submit a {$2000.00} payment to me via XXXX due to daily limits, and he stated that he would send the remaining {$750.00} the following day. XXXX also mentioned issues with XXXX trying to verify his identity and he stated that the {$2000.00} payment was initially pending review, but that it did go through on XXXX XX/XX/XXXX. On XXXX XXXX, XXXX texted me that his account had been locked. However, by the end of XXXX XXXX, XXXX account was unlocked, the payment had been reviewed, and the payment was completed to me. I confirmed on XXXX XX/XX/XXXX via text that Gregs final payment of {$750.00} to complete the {$2700.00} he owed me was complete. ( Please see screenshots on attached document. ) Text chain between XXXX XXXX and myself discussing the costs and payments. ( Please see screenshots on attached document. ) XXXX and I thought that the issues had been resolved as the payments had gone through and what we owed one another was settled, since I had received email confirmations from Ally that both the {$2000.00} XXXX transaction had gone through on XXXX XX/XX/XXXX and that the {$750.00} XXXX transaction had gone through on XXXX XX/XX/XXXX. ( Please see screenshots on attached document. ) However, on XXXX XX/XX/XXXX I received two separate emails from Ally stating that XXXX had been deactivated for both my email address ( XXXX ) and my phone number ( XXXX ). ( Please see screenshots on attached document. ) I was in the midst of a very busy week of XXXX and was caring for my XXXX XXXX dog, so I was not able to call Ally right away. I figured that there had been some confusion since XXXX had trouble submitting the payments and that it would be easily resolved once I called Ally and/or XXXX particularly because they had approved the transactions and had fully deposited the funds into my Ally account. My dog passed away the night of Thursday, XXXX XXXX and I did not go to work on Friday, XXXX XX/XX/XXXX.
On XXXX XX/XX/XXXX, I received an extremely alarming email from Ally, which stated : Ally Bank AlertYour telephone banking PIN has been changedIf you didnt make this change, call us immediately at XXXX. I also received three separate emails from Ally with the same message in triplicate asking me to call to verify information. ( I assumed corresponding to the three accounts I had open with Ally my checking account, a small stock checking account, and my savings account. ) ( Please see screenshots on attached document. ) I called the Ally Customer Care number ( as the Loss Prevention Line was closed after XXXX XXXX XXXX XXXX time ) immediately after I saw the emails I was extremely concerned that someone was trying to hack me, since I had not changed my banking PIN. I called spoke with Ally Customer Care at XXXX for 8 minutes at XXXX PM on Saturday, XXXX XX/XX/XXXX. At this time, Ally told me that Ally had actually changed the PIN themselves. I asked why and they said that there was a concern with my account and that they had locked all three accounts ( my checking, my stock checking, and my savings ). I was told to call the Ally Fraud Department the following day, since they were closed at that point. I was given the number XXXX.
I called the Ally Fraud Department at XXXX several times on Sunday, XXXX XX/XX/XXXX to try to figure out what was happening. I called the Ally Fraud Department at XXXX XXXX and spoke with them for 4 minutes, called again at XXXX XXXX and spoke with them for 6 minutes, again at XXXX XXXX for 2 minutes, and XXXX XXXX for 5 minutes. On Sunday, I was told that all three accounts would remain locked pending an investigation, and that the investigative team did not work on weekends. I was instructed to give them a few days to complete their investigation and to call back at that point. I was concerned as my Ally accounts were my only source of funds.
I called XXXX Customer Service at XXXX on Sunday, XXXX XX/XX/XXXX at XXXX XXXX for 6 minutes. I was told that because I was not using the XXXX application, they could not give me any information and that everything needed to go through the bank that was connected to XXXX.
My jobs direct deposit went to my Ally Checking account and my entire savings was in the Ally Savings account. All of my autopays were linked to the Ally Checking account. However, because I had already paid my mortgage that month, because I had recently made some credit card payments, and because from what I could recall without access to my online account ( all three were paperless accounts ) most of my autopays went through around the XXXX of the month, I decided to be patient.
Therefore, I followed Allys instructions and gave the Fraud Department three days to investigate. I called the Fraud Department at XXXX on Wednesday, XXXX XX/XX/XXXX after work at XXXXXXXX XXXX and spoke with someone for 10 minutes. At this time, I was told that either my friend XXXX XXXX or his bank, XXXX, had marked the transaction as fraud and this was why my account was locked. I called XXXX XXXX on XXXX XX/XX/XXXX at XXXX XXXX and spoke with him for 19 minutes. XXXX stated that he had not marked anything as fraudulent and that he would call his bank, XXXX, immediately to see if anything had accidentally been marked as fraud. XXXX called me back on XXXX XX/XX/XXXX and we spoke for 6 minutes at this time, XXXX stated that he had spoken with XXXX and that nothing had been marked fraudulent on their end. Apparently, the {$2000.00} payment was attempted once, and the {$750.00} payment was attempted three times, once successfully, but that nothing had been marked fraudulent at all on their end. Therefore, XXXX told my friend XXXX that there was nothing else they could do on their end.
During one conversation, I asked Ally if they would accept a letter from XXXX bank, XXXX, sent directly to Ally stating that nothing had been marked fraudulent with these transactions on their end. The Ally representative stated that this would be very helpful, and to please have XXXX email the documentation to XXXX. I told this to XXXX, who called XXXX to ask for such documentation. Per XXXX, he was transferred three different times and spoke with two managers about this proposition and was ultimately informed that this would be illegal due to privacy issues, that they had never been asked for such a letter, and that they had never heard of the XXXX email address.
On Thursday, XXXX XX/XX/XXXX, I called the Ally XXXX Department back for an update during a break at work. I was stuck on the call for 31 minutes. The very helpful representative said that he had escalated the issue to his manager to try to help the decision along, since I was unable to access any of my money, pay any of my bills, receive my paycheck from work, or pay my mortgage while this was being investigated/my accounts were locked. I asked if he could see if the accounts that the XXXX transaction was not deposited into could be unlocked so that I could at least pay my bills. He was very understanding and said it was a great idea, that he would see if that was possible.
While on the phone with this agent, I missed a call from an Ally number of XXXX at XXXX XXXX. A woman at Ally left a voicemail stating This is an important message for XXXX XXXX from Ally Financial please give us a call back at XXXX I called the number back immediately at XXXX XXXX and spoke with Ally for 11 minutes. During this time, I was told that there was some movement on the investigation and that the investigator may give me a call soon.
At XXXX XXXX on XXXX XX/XX/XXXX, the investigator for the case called me and we spoke for 7 minutes. He, like previous Ally agents, asked me if I had ever given my Ally login or pin information to anyone else ( which I had not ), he asked me if I knew XXXX XXXX personally ( I stated that yes, we were longtime friends who were planning a trip together ), and I explained the situation. The investigator seemed understanding and stated that he would call XXXX right after this call and that I could likely expect a call back from him within an hour. I had to scrub into XXXX right after that call, but had our nurse watching the phone in case he called back. We finished XXXX and he had not called back as of XXXX XXXX, so I called Ally back at that time and spoke with them for 15 minutes. During this conversation, I was informed that a decision had been made within the last hour and that Ally Financial was terminating our relationship with you. I asked them to clarify how this decision was made I was told that XXXX told Ally that day that the XXXX XXXX transactions were fraudulent. I asked the Ally representative how XXXX and Ally had come to that conclusion, since no one had asked either XXXX or myself for any kind of supporting documentation that could prove our relationship and that a trip was currently being planned together. I was told that after receiving the information from XXXX, Ally had conducted their own internal investigation during the afternoon and that Ally had made the final decision to terminate our relationship. The Ally representative also stated that this sudden, unilateral termination was within their rights due to our agreements ( which I believe is true ), and that a check would be mailed to the address on file with the remaining funds in the account.
Because Ally locked me out of all accounts, I was not able to verify that the amount I received back was correct. I was unsure if they were planning to return the previously deposited XXXX amounts from XXXX XXXX to him. ( As of XXXX XXXX, XXXX states that the funds have not been returned to him. ) I asked Ally how long it would take for me to receive the check I was told that it would be sent via regular mail and would likely take 7-10 days once it was mailed by Ally, and that Ally may take a few days to issue the final check. On Friday, XXXX XXXX, I discovered via my credit card and mortgage apps that all credit card payments and the mortgage payments I made on XXXX XX/XX/XXXX from my Ally account were returned, and now none of my bills or mortgage were paid, and the money will not be returned to me until after these were due.
When the checks finally arrived, they arrived with no statement and zero explanation. I received three checks, one for each of my Ally accounts ( one savings and two checking ). None included a statement. They simply ( and deceitfully ) stated that the checks reflect the amount of the account at time of closure. I had to request statements through the XXXX multiple times and via mail before receiving any. Eventually Ally disclosed via the XXXX that {$2000.00} was withheld on XXXX XX/XX/XXXX Ally stated that On XX/XX/XXXX, the XXXX XXXX noted that the {$2000.00} XXXX payment was reported as fraud. On XX/XX/XXXX, the funds were withdrawn from your XXXX and placed in a holding account and will be processed in accordance with any instructions received from XXXX and in compliance with the law. Ally also stated in their XXXX XX/XX/XXXX letter that my account closure will be reported to XXXX as a closed account and refused to discuss the future of the withheld {$2000.00}. They closed the BBB dispute on that date without resolution.
I have many issues with how this issue was handled by both Ally and XXXX and have serious concerns with what may happen to me, my credit, and my ability to open bank accounts going forward. I have submitted these complaints via the XXXX without resolution - I have attached Ally and XXXX responses.
Issues with Ally : - I feel that the investigation conducted by Ally was minimal effort. Their investigation changed the story multiple times. ( First it was that XXXX or XXXX had reported a transaction as fraudulent, then it was that XXXX XXXX was the one considered fraudulent, then finally it was that XXXX had determined that I was the fraudulent individual. ) Allys investigation ultimately relied solely on what XXXX stated - even though neither XXXX XXXX nor XXXX had reported the transactions fraudulent - without contacting me, XXXX XXXX, or Chase to provide any kind of documentation that could prove that XXXX and I were friends, that there was a trip planned, that he made the transactions, that the transactions were never reported as fraud. I could have provided all of the receipts, texts, and documentation of years of friendship with identity proof for both XXXX and myself.
- I believe that Ally locking me out of all access of all accounts during their investigation, not just the account that received the transaction in question, was unfair and could have caused me undue harm and financial distress. Without access to any of my funds from the time they locked my account on XXXX XXXX until I received the check, I would have missed a payment on my mortgage, my student loans, several on my various credit cards, many autopays, and I would not have been able to receive at least one paycheck from my job as a physician assistant. This could have caused serious damage to my credit score and cost me huge amounts in late fees and APR charges, lasting for years, affecting my ability to open accounts, take out loans, etc. I believe that they should have solely locked the account into which the XXXX transaction was deposited and that there was not sufficient justification for locking all three accounts ( which I informed them during every single call were my only available accounts ). Fortunately, I have an extremely supportive family and job and my family helped me open another bank account and lent me money to pay my bills and mortgage in the meantime, and my job quickly changed my autopay before the next check was issued. For anyone without this kind of extreme support, this would have been financially devastating.
- Ally has confirmed via the XXXX that they will be reporting this completely unsubstantiated account closure to XXXX ( and did not state that this would be the only report ). From what I know, XXXX gives consumers a credit rating that can make it extremely difficult for me to open other bank accounts for up to five years. As a young, single person with student debt and a mortgage, I could be extremely damaged by such unfair actions, since this alleged fraudulent transaction was not properly investigated.
- Ally has unjustly withheld {$2000.00} of my funds without cause and with no communication about process for release.
Issues with XXXX : - XXXX refused to speak directly with either XXXX XXXX or me, since we used XXXX through our banks. While I understand that this is their policy, I take issue that they clearly did not confirm with XXXX that neither XXXX XXXX nor XXXX had marked these XXXX transactions to me as fraudulent.
- According to Ally, they were told definitively by XXXX that I had somehow committed a fraudulent transaction and that my email ( XXXX ) and cell ( XXXX ) were marked fraudulent/could no longer be used at XXXX. This is what turned the investigation, which had been sounding fairly promising Thursday morning after speaking with the investigator, immediately south.
- Why was I, and not XXXX XXXX ( the one that made the transaction- which was reviewed, approved, and completed by XXXX ) marked as fraudulent? XXXX was cleared and his account was unlocked within one day. Why was only my end marked fraudulent and why was there no actual investigation/neither myself, XXXX XXXX , nor XXXX were asked to provide any documentation in defense?
- I am also concerned that XXXX could report this completely unsubstantiated suspected fraud to federal or state officials and/or XXXX or any other consumer disclosure reporting agencies, again affecting my credit and life going forward. They did not specifically state via the XXXX even after I specifically asked multiple times that they would not be reporting me to any agencies, rather just stated that my account was active on XXXX.
- According to Ally, XXXX is involved in the future of the withheld {$2000.00}.
Ally has unjustly withheld {$2000.00} and have offered me no information about release, claiming XXXX will be involved. I am reaching out to California state and federal reporting agencies, and plan to take Ally ( and XXXX, if necessary ) to small claims court to retrieve the {$2000.00} I am owed. The distributed funds should also include the ~4 % interest these funds would have accumulated if in my savings since XXXX, as they would have in my possession. I also plan on disputing the closed account report directly with XXXX.
Ideally, I would like governmental agencies to investigate Ally and XXXX actions in order to prevent similar issues from happening to others in the future its unlikely that most people have the support systems I am lucky enough to have, so they would be even more damaged by such unjust banking actions.
I am able and happy to supply screenshots and verified cellular information from XXXX about all calls if needed. I have also included the most relevant XXXX communications as attachments. My friend XXXX and I have since gone on this trip, which I can also provide proof of, if needed.
Thank you so much for your time. If the " Pray Ally XXXX XXXX Final '' document doesn't open properly please let me know and I can find another way to submit.
Sincerely, XXXX XXXX
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| 06/29/2022 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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I built my home and finance it by myself, in XXXX. I was the sole owner. Against my will, I was coerced ( by XXXX XXXX and XXXX XXXX XXXX of XXXX XXXX XXXX ) into refinancing my home in XXXX of XXXX and adding my Now ex-husband to my loan ( I married him in XXXX of XXXX kicked him out in XXXX, and finalized our divorce in XXXX ). At closing, I paid an additional {$3100.00} to buy my rate down to 0.75 %. My monthly payment should have consisted of 0.75 % ~Margin plus the 30 day Libor rate. They tried to get me to pay even more money to reduce my margin to 0.25 % but I did not have that much extra. As it was, I paid more money to buy my rate down than I wanted to pay. My home loan is known as a XXXX XXXX XXXX XXXX and the payments change monthly based on the interest rate ( Margin ) plus the 30 day Libor. I am now discovering that the reason XXXX wanted my ( now ex-husband ) on my home loan is so they could increase my balance as high as possible so they could get a higher commission. I told them I did not want my balance to be that high, but they insisted it would be better in the long run. Since my very first mortgage payment in XXXX, the interest calculated on my account has been inaccurate. My loan was immediately sold to GMAC XXXX. I contacted XXXX on XX/XX/XXXX and inquired as to when my new lower payments would be taking effect since I bought my rate down and he told me something about pressure on the international markets or something like that. On XX/XX/XXXX, XXXX emailed me and told me my rate fell half a point. I was extremely excited because I though my payments would be significantly lower. However, this was not the case. My payments were still not where I was told they were going to be during the presentation by XXXX XXXX. In XXXX of XXXX, I asked XXXX when I would be receiving a statement from my mortgage company regarding the " Points '' I paid to buy my rate down. He said it should come in the mail from either GMAC XXXX or XXXX. I wrote him back on XX/XX/XXXX and told him I found my " points '' on my closing statement. NOW, looking back at my year end tax statement from GMAC XXXX in XXXX, they did NOT include the points. At the time, I didn't really pay understand because I did NOT have any idea how that worked. I kicked XXXX out of my home in XXXX because he was abusive to my two young children, but did not file for divorce until XXXX because he refused to accept the fact that we were done. I do not have any children with XXXX. In my divorce decree, the judge awarded me sole ownership of my home. I have been the sole owner and monthly mortgage payer since I had my home built in XXXX. Although I contacted GMAC XXXX on several occasions to try and find out why my payments were wrong, and why my payments weren't being applied properly, I was never able to get it resolved because nobody was able to figure out how my home loan was supposed to work. It was EXTREMELY frustrating. My monthly balance never seemed to change even though I had paid a significant amount towards the principal. Anything above my interest was to be paid to the principal. I have verification of every single payment I made on this account and it can be supplied if the need arrises. I have paid at least {$150000.00} TOTAL on my home and yet I am somehow facing foreclosure. GMAC XXXX ( XXXX XXXX XXXX XXXX, AZ XXXX ) declared bankruptcy in XXXX and liquidated their assets in XXXX. I continued making my payments to GMAC even though a company named XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, IA XXXX ) had taken over my home loan from XX/XX/XXXX to XX/XX/XXXX. My Bill Pay from my bank continued to send my payments to GMAC. I was not aware that GMAC was not my servicer anymore until I began researching my home loan timeline for this foreclosure. That is when I saw emails from XXXX. What I have found in my research is that XXXX was found guilty of fraud and numerous other allegations of wrongdoing. From the documents I am able to locate, I paid GMAC and XXXX a total of {$100000.00}. ( this does not include payments to XXXX and ALLY. These payments were both tied to the same account number. These are the payments I can locate by searching my different payment methods. It could be more than this. During this entire time, I contacted XXXX hundreds of times to try and get my account straightened out. It was so stressful. They just kept giving excuse after excuse and kept saying they would look into it ; but that never happened. And then they were gone! XXXX took over my loan in XXXX of XXXX. It was a nightmare right from the start. My account number changed. Their online system was horrible. Nothing about my home loan looked correct. The payments, the balance, and the odd charges they kept charging my account were not applicable. Their system wouldn't accept payments from me that were less than what they claimed I owed. Prior to that I could make a payment every hour if I wanted. The amount of interest they were charging me was WAY too high. Calling them and trying to get a supervisor was impossible. Nobody knew what type of home loan I had, nor did they understand how to credit any of my payments. I tried telling them my balance was wrong, my interest was wrong and they needed to accept my payments regardless of the amount I tried to pay. They refused to help me. Even charging me a fee to take payments over the phone when their system wouldn't accept my payments. They are horrific and shouldn't even be in business. Then in XXXX of XXXX, XXXX suddenly doubled my monthly payment without any explanation. Even though my payments were not accurate to begin with, the XXXX rate hadn't changed much so my payment shouldn't have doubled. Once again I tried calling to get help but everyone I spoke with was useless. NOBODY knew how to help me. They kept telling me that a supervisor would call me back, but that call never came. It was an endless cycle of lies and deceit. In XXXX my interest only period ended and my payment increased by {$700.00} per month. I was able to keep up on these payments until XXXX of XXXX. I was still trying to get my mortgage balance/payments straightened out and because these payments weren't accurate, my mortgage fell behind. I was owed money from a company who emailed me and said they were going out of business and couldn't pay me. That was a complete blindside. I have several different companies, but that was a huge part of my projected income. So in addition to my payments being higher than they were were supposed to be, I now had to rebuild my companies. Come to find out XXXX was issued a Cease and Desist order for unsafe and unsound practices from the XXXX in XX/XX/XXXX. Then the pandemic hit and I started receiving mortgage statements from a company named ALLY Bank. They held off foreclosures during the pandemic. I spoke with a gentleman in XXXX of XXXX and asked for forbearance. He kept trying to tell me that the loan wasn't mine. I don't know if he was ever convinced that this loan belongs to me but he tried his hardest to tell me that it did not belong to me. He also said that I could only have forbearance for 6 months. That brings me full circle to this moment in time. I am trying to work with ALLY to have them straighten this out. I also have a housing counselor ( XXXX XXXX ) at XXXX XXXX XXXX XXXX XXXX. She can attest to all of the incompetence we are experiencing. We asked for a loss mitigation packet on XX/XX/XXXX. My original sell date was set for XX/XX/XXXX. I did not receive that packet until XX/XX/XXXX. In the interim, I found a previous loss mitigation packet from XXXX ( which I sent to XXXX but the post office was not able to deliver because they said nobody was at their address in New Jersey ). I emailed ALLY an 8 page hardship letter, along with numerous financial documents etc ... on XX/XX/XXXX. The email I was given to send these documents was XXXX. I received an error from this email " XXXX '' stating that the documents were too large ( even though they were under 20gigs ). The error message was from XXXX. This was a RED FLAG. Then on XX/XX/XXXX my housing counselor compressed/faxed/emailed all of these documents ( hardship letter which also asked for payment verification along with calculation of interest rate for my loan from XXXX to present, loss mitigation application, divorce decree, XXXX, XXXX, Owner policy Schedule A, and DT. On XX/XX/XXXX, I received an email from the loss mitigation department at Ally telling me the options in lieu of the foreclosure. They also asked me to enroll in their online portal. I started the enrollment process then noticed that the terms and conditions belong to XXXX XXXX. I also noticed that the terms and conditions included a section that wanted me to give my permission to XXXX XXXX XXXX XXXX XXXX to use, reproduce, adapt, publish, translate, and distribute my user content in any existing or future media, text, images, audio material documents that I submit to the website for whatever purpose they desire. Another RED FLAG. XXXX called on XX/XX/XXXX and spoke with agent XXXX. She had to put XXXX on hold and finally WAS able to locate the documents sent on XX/XX/XXXX. The agent looked over the paperwork and made some suggestions. I complied with her suggestions and XXXX sent ALL the documents once again on XX/XX/XXXX. On XX/XX/XXXX, XXXX called to verify that the documents had been received. The agent told her that there was not an open case yet ; but that the foreclosure/sale date had been pushed out until XX/XX/XXXX. I had not received any notice regarding this so it was a surprise. We still do not know why the date was pushed out. On XX/XX/XXXX we did a three way call which consisted of me, XXXX and XXXX XXXX from ALLY. She informed us that NONE of the documents we had sent were in their system. She said we would have to send everything again. I was so upset. I kept asking her questions and she couldn't answer one single question. I asked to speak with a supervisor and she said this was not possible but that a supervisor would call me back within 24 to 48 hours. I waited all day XX/XX/XXXX and XX/XX/XXXX and no call ever came. I have screenshots of all my calls during this time and they did NOT call me. A supervisor, to this day ( XX/XX/XXXX, ) has never called me back. XXXX sent all of my documents again on XX/XX/XXXX. I received a letter in the mail from ALLY on XX/XX/XXXX dated XX/XX/XXXX, that states they are still missing several documents. This company has now lost all of my documents that were ( rejected XX/XX/XXXX ) sent again XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The missing documents have been sent. On XX/XX/XXXX my phone rang at XXXX. I answered the call and it was ALLY. The person on the line was XXXX XXXX agent number XXXX. This was NOT a supervisor. Just a collection agent who couldn't help me. She tried telling me that she couldn't talk to me unless I verified which two accounts my prior payments had been sent from. I couldn't understand why she would need to know that. She said because it's a HELOC, she has to verify more than just my name, address, social security number, etc .... I told her my loan is NOT a HELOC and that it's a home ownership accelerator. She said she had never heard of that. I proceeded to tell her that the reason for my delinquency was mainly because of fraudulent payment ommissions and miscalculations of payments. She said that I had to contact XXXX and XXXX because ALLY didn't take over my loan until XXXX. She said that XXXX would be impossible to reach so " good luck ''. I informed her that since they now own my loan, they will have access to all of the information attached to my loan since its inception. I told her I wrote and asked for verification of my payments and calculation of my payments when I sent my hardship letter in on several different occasions. She said she didn't see those documents in her system. I told her they had FIVE Days to acknowledge receipt of my request ( this has not happened ). She said that documents get lost all of the time and I would just have to continue sending them. ( THIS IS RECORDED ON HER END SO YOU CAN VERIFY ALL OF THIS ). I was absolutely floored when she told me that they lose documents all the time. I believe they are trying to prevent me from getting my loan modified by losing my paperwork and telling me requirements that aren't true. That's unethical and not acceptable. XXXX XXXX did tell me that she would put in a request for verification of my payments made and calculation of my payments. In addition to the fraud, I also told her that my delinquency was due to financial hardship. I told her that we had sent in ALL of the documents that had been asked for and she said she would email the loss mitigation department to find out why they are still saying I have missing documents. XXXX called ALLY again in the afternoon of XX/XX/XXXX. She wanted to follow up with them regarding my conversation with XXXX XXXX. She was informed that the request for verification had been sent but they also told XXXX they have received the missing documents ( XX/XX/XXXX ) ; but will not accept my documents because I have redacted a portion of my bank statements and my taxes are expired. According to the letter I received from them, they only need to see my deposits. That is what I provided. They also said to provide my most current filed tax return ( which it's XXXX ). I filed my tax returns on XX/XX/XXXX. They want me to provide the extension I filed for this year. I have done taxes for 33 years and I know for a FACT that I do NOT have to file an extension unless I owe taxes. And even then, I have until XX/XX/XXXX of XXXX to file my tax return regardless of if I filed an extension or not. IF I owed taxes, I technically don't have to file an extension but I would be penalized higher for not filing an extension ; BUT if I don't owe taxes, I am not legally obligated to file an extension. HOWEVER ; their letter states that either tax returns OR bank statements are necessary. I DO NOT TRUST them. I DO NOT want them having my bank account information. I sent them my bank statements with my deposits listed but my debits and my account number redacted. I also sent them my XXXX, XXXX, XXXX statements. They do NOT need to see my debits, they only need to see my deposits. That is what their letter asks for. They are also trying to say I have to include my ex-husband on my modification application since his name is still tied to my home loan. He has not lived her since XXXX. My divorce decree from XXXX states that the judge grants me as sole owner of my home. My ex is obsessed with me and since he was abusive, I have had ZERO contact with him since I kicked him out in XXXX. He only lived here from XXXX to XXXX. I know that ALLY can modify my loan without him. I have been the sole person who has made 100 % of the payments since day number one. In fact, once my payments are credited properly, I shouldn't have much of a balance left at all. In addition to everything that has happened. My mail carrier forged my name on some Certified Letters from the attorney handling this foreclosure. I filed a complaint with the postmaster in my home town. Both the carrier and the postmaster have tried to cover up this fraud. I have a witness that wrote a sworn statement regarding the carrier never exiting their vehicle on the day in question. The postmaster said their GPS tracking system shows the carrier never exited their vehicle AND ... ..NOBODY was home when the mail carrier forged my name and left the certified letters in my mailbox. I did not want these letters and I had never gone to the post office to pick them up in the past when the notice was left in my mailbox. I'm sure that a letter carrier forging my name comes with some pretty serious implications. I'm pretty certain this is a federal offense. Now the attorney who sent those letters " THINKS '' I have received them and read them. I still have not opened them. I will also be filing a complaint with the postmaster General. I asked my local postmaster what the update was today. He said he would find time last week to speak with the carrier after I sent him the sworn statement from a neighbor. He has yet to reply. Me trying to get this straightened out is not due to lack of trying, it is due to incompetency and lack of follow up from XXXX, XXXX, XXXX and ALLY. I am a female, self employed entrepreneur, and I raised my children all by myself without any help at all. I have been self-employed since XXXX. I work hard 24/7. I have never depended on a man ( or anyone else ) to help me financially. I have experienced GREAT success but also financial hardships. I refuse to lose my home because my interest rate and my payments were never calculated or applied correctly. I am so tired of this corruption and incompetency. I have PROOF of every thing I have said in this statement. I can back everything up. I do not have much time because my foreclosure has been rescheduled to XX/XX/XXXX. It was previously scheduled for XX/XX/XXXX, then XX/XX/XXXX. It keeps getting pushed out.
Yesterday ( XX/XX/XXXX ) I received a notice from CFPB.. That notice was from XXXX who acquired XXXX. In their statement, they claim they have no record of my mortgage. They want me to provide them with information regarding my mortgage. I am not going to make their job easy. They sent me emails, and also reported my mortgage to the credit bureau so they should absolutely have record of it. The fact that they can't find record of it is very concerning. This just goes to show that they must not have record of all the payments I made to them.
I spoke with my housing counselor today. She informed me that she spoke with ALLY yesterday ( XX/XX/XXXX ) and was told that they closed my loss mitigation application but could not provide a reason why. My counselor was told that I have to begin the process all over again. They told me to call on Friday and ask why it's closed. This level of incompetency is unacceptable. They need to be investigated for fraud and be shut down for incompetency.
XXXX XXXX
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| 08/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX XX/XX/XXXX XXXX XXXX General ManageXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX Ally Financial XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Account Number : XXXX To whom it may concern : On XX/XX/XXXX we purchased a XXXX, XXXX XXXX XXXX by engaging in a financial agreement for financing with Ally Financial under a binding legal contract initiated by XXXX XXXX XXXX, Ally, and XXXX and XXXX XXXX. Without proper and immediate notification from XXXX XXXX XXXX that the legally binding written and signed purchase and financial contract with the listed vehicle identification number, and the vehicle we agreed to purchase, finance, and were in current possession of, was not the vehicle that was purchased and financed. On XX/XX/XXXX we were notified via text message by the business manager at XXXX XXXX that there was additional paperwork to be signed that had been overlooked when we had purchased the vehicle on XX/XX/XXXX. When asked what was going on and why we needed for come down we were told it was a simple mistake in the computer stating the wrong vehicle, but that the paper contract was correct. We were told that the only problem was a simple ; one wrong number on the VIN in the computer, and all the financed and contracted information were correct on the original that was signed on XXXX XXXX. We were told there was no need for a new paper contract, and once we signed the tiny XXXX signature pad everything was a done deal. When specifically asked why we were unable to see or read anything we were told that there was NO NEED, since we already did that with the paper contract that we went over and agreed to and signed originally. It was not until XX/XX/XXXX that we were texted again and asked to come down as we needed to redo a paper contract for the vehicle. I was assured it was No Big Deal. We at this point were quite concerned as we were told that this was not needed and had already been verified with Ally Financial. I was upset at this time as we had attempted to get the plates on the vehicle, and were told that the vehicle we were driving was not owned by us according to the DMV, and could be considered stolen or illegal with assumption that the VIN was not the vehicle listed as to be in our possession. When I asked about what the NO NEED TO READ information that we signed on XX/XX/XXXX, and why we are having so many problems in regards to this purchase agreement we were again not told the entire truth and our concerns were disregarded as if we were overreacting. In the mean time I had attempted to obtain prequalification for a home that we wanted to place an offer on for purchase, and upon pulling our credit at the XXXX XXXX XXXX we were called, and notified that because we had purchased two vehicles within a couple of weeks of each other there is no way that we would be able to pre-qualify for a loan now. I then called Ally Financial and was notified that we had two separate loan accounts one for a XXXX XXXX XXXX and a XXXX XXXX XXXX. I was devastated as we had been working on credit building and proving financial worth for 2 years, and when I called the business manager again I was treated as though I was overreacting and he had no idea how that could even be possible. The home ended up selling and we missed our chance, and also was denied on a current small business loan that I had been working on for over a month ; putting together a small business plan for my XXXX XXXX. I had to ask my parents to do the financing as I could not wait for this mess to be figured out. I attempted to make the truck payment as listed as due on XX/XX/XXXX, and was unable to do so as the listed account was for a XXXX XXXX that had a payment due, and the listed XXXX XXXXXXXX would not allow payment. It was not until XX/XX/XXXX that the paper contract was signed at XXXX XXXX with notification that first payment would not be for the standard 45 days, and we were also told that again nothing changed so our written contract was correct, and the two paper pages were the originals to be sent to Ally. It was then on XX/XX/XXXX that we noticed that we had the incorrect second key FOB and owners manual which was even more upsetting and suspicious. It was then on XX/XX/XXXX that I attempted to make a payment believing that would be my first payment as told, and I was notified that I am 30 days past due. I was devastated as the payments are {$1600.00}, and there is no possible way that I could just come up with the extra. I did make the payment and wanted an investigation with Ally, and they just kept telling me my problem rests with XXXX XXXX, and when I would call XXXX XXXX I was told my problem was with Ally. I attempted in the excess of 10 times to speak with XXXX XXXX, leaving messages with no response, and Ally refused to correct the information acting as if I was lying about the situation. When XXXX came I made a payment in the hopes that it would be corrected only to find out that I was reported as 30 days late again, and was pretty much continuously told to make the account current which was financially impossible to just come up with that extra money like it was no big deal. It has been a continued arguments and fights since then including being unable to even continue to have accounts with other XXXX XXXX, personal and business accounts etc because of our credit report and score. This vehicle purchase, that we thought would help our financial worthiness, has instead destroyed XXXX and me financially.
This has resulted in an extremely upsetting, financially ruining, and very costly experience with the XXXX XXXX XXXX dealership regarding the incorrect VIN, initiation of a faulty binding legal contract regarding the purchase of the vehicle and financial acceptance and responsibility, and your financial team changing without agreement and prior knowledge the original purchase and financial acceptance agreement with XXXX XXXX and Ally Financial, therefore leading to loan default and incorrect reporting to credit agencies resulting in current financial ruin and personal financial self-worth. We are requesting compensation from XXXX XXXX XXXX for our losses including acquired financial loss, acquired debt, and verification of inaccurate information as reported to the furnisher ( Ally Financial ) and the CRAs.
This document will serve as the necessary written proof verifying that the negative reported information is confirmed inaccurate and is to corrected immediately upon receipt based upon the set forth laws and regulations regarding the OBLIGATIONS OF FURNISHERS UNDER THE FCRA STATES ; If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 )..
In a one on one conversation between XXXX XXXX and XXXX XXXX, Tuesday, XX/XX/XXXX, I was told that I would receive compensation for this by XXXX XXXX, and XXXX and I would agree to the terms and sign a legal agreement releasing them of any further legal obligations in the future regarding this matter. This letter will serve as the necessary legal information regarding the inaccuracies of the account therefore certifying that the information was indeed inaccurate and by law will be removed from the credit report histories of XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX thereby removing all negative account history, late payments, and listed loan default in regards to Ally Financial. The financial obligation to be corrected is the negative current history on the account for the purchased vehicle due to this is {$6700.00} which will bring the account paid and current, noting that it would not be in the negative if this would have been brought to our attention and the individuals involved would have been upfront and honest in the beginning.
Please call me at XXXX once financial check is ready in the amount of {$6700.00}, and this written contact has been verified and is ready to be signed by listed parties ; XXXX XXXX, General Manager XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXXXXXX XXXX XXXXXXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX General Manager XXXX XXXX XXXX Enclosure All furnishers of information to consumer reporting agencies must comply with all applicable regulations.
Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureaus website, www.consumerfinance.gov/learnmore.
NOTCE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are founds in Section 623 of the FCRA, 15 U.S.C 1681s02. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is available at the website of the Consumer Financial Protection Bureau ( CFPB ) : www.consumerfinance.gov/learnmore. A list of the sections of the FCRA cross-referenced to the U.S.
Code is at the end of this document.
Section 623 imposes the following duties upon furnishers : Accuracy Guidelines The FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are available at www.consumerfinance.gov/learnmore. Section 623 ( e ).
General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ).
Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ).
Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to the CRAs. Section 623 ( a ) ( 1 ) ( B ).
If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).
Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers, must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a credit repair organization. Section 623 ( a ) ( 8 ). Federal regulations are available at www.consumerfinance.gov/learnmroe. Section 623 ( a ) ( 8 ).
Duties After Notice of Dispute from Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( 1 ) ( A ) and ( b ) ( 1 ) ( B ).
Report the results to the CRA that referred the dispute, and, if the investigation establishes that the information was, in fact, incomplete or inaccurate, report the results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Section 623 ( b ) ( 1 ) ( C ) and ( b ) ( I ) ( D ).
Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provided relevant additional information to the CRA ). Section 623 ( b ) ( 2 ).
Promptly modify or delete the information, or block its reporting. Section 623 ( b ) ( 1 ) ( E ).
Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnished information to one or more CRAs must report this fact when it provides information to CRAs for the time period in which the account closed. Section 623 ( a ) ( 4 ).
Duty to Report Dates of Delinquencies If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumers file.
Section 623 ( a ) ( 5 ).
Any person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the same delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection, charged to profit or loss, or subjected to any similar action. Section 623 ( a ) ( 5 ).
Duties of Financial Institutions When Reporting Negative Information Financial institutions that furnish information to nationwide consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623 ( a ) ( 7 ). The CFPB has prescribed model disclosures, 12 CFR Part 1022, App. B.
Duties When Furnishing Medical Information A furnisher whose primary business is providing medical services, products, or devices ( and such furnishers agents or assignees ) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to which it reports of this fact. Section 623 ( a ) ( 9 ). This notice will enable CRAs to comply with their duties under Section 604 ( g ) when reporting medical information.
Duties When ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each CRA of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).
The CFPBs website, www.consumerfinance.gov/learnmore, has more information about the FCRA, including publications for business and the full text of the FCRA Citations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. : Section 602 15 U.S.C. 1681 Section 615 15 U.S.C. 1681m Section 603 15 U.S.C. 1681a Section 616 15 U.S.C. 1681n Section 604 15 U.S.C. 1681b Section 617 15 U.S.C. 1681o Section 605 15 U.S.C. 1681c Section 618 15 U.S.C. 1681p Section 605A 15 U.S.C. 1681cA Section 619 15 U.S.C. 1681q Section 605B 15 U.S.C. 1681cB Section 620 15 U.S.C. 1681r Section 606 15 U.S.C. 1681d Section 621 15 U.S.C. 1681s Section 607 15 U.S.C. 1681e Section 622 15 U.S.C. 1681s-1 Section 608 15 U.S.C. 168f Section 623 15 U.S.C. 1681s-2 Section 609 15 U.S.C. 1681g Section 624 15 U.S.C. 1681t Section 610 15 U.S.C. 1681h Section 625 15 U.S.C. 1681u Section 611 15 U.S.C. 1681i Section 626 15 U.S.C. 1681v Section 612 15 U.S.C. 1681j Section 627 15 U.S.C. 1681w Section 613 15 U.S.C. 1681k Section 628 15 U.S.C. 1681x Section 614 15 U.S.C. 1681l Section 629 15 U.S.C. 1681y
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| 07/21/2022 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
Servicemember |
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Please see below. Ally Bank has failed to do as they promised with my funds, my accounts are randomly suspended with no explanation, and I am unable to move mmoney out of this bank. This issue has been going on since XX/XX/XXXX and it is ongoing at this time.
Overview - I have been unable to remove my money, while I am in good standing, from Ally Bank. I have been attempting to make transfers, wires, ACH, etc. to move money into my accounts at other institutions and below is the progression of increasingly frustrating and worrying events that have occurred to me. I feel that I am held XXXX by this bank, they have stolen my money, kept it from my accounts for longer than they indicate necessary to transfer or return it. Then have no explanation as to why or how their promises are not upheld.
When I request written documentation of a representatives action, they are clearly instructed to fight me and do not ever send me written follow up or confirmation on changes to my accounts.
First Transfer : On XX/XX/XXXX I initiated a transfer through XXXX online portal to a different institution ( XXXX ) of {$8500.00}. I mistakenly did not follow up with it.
Monday XX/XX/XXXX I received my first communication about this transfer in the form of an email from XXXX XXXX Ally Investigator Bank Fraud XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX ( Phone number disconnected ) - Instructing me to contact the fraud department. On XX/XX/XXXX I was unable to log in online at all and none of the 3 general representatives I spoke with that day BEFORE getting through to the fraud department were able to verify to me if there was any money in any of my accounts, even after verbally verifying my identity. This was incredibly distressing. I was not being told what was going on at all. I though I had been stolen from. After 3 hours on hold in some form or another, I was put in contact with XXXX XXXX on a line with poor signal, something not happening to my stationary cell phone earlier in that phone call. At that point I spoke to a trite, rude man. I was unable to ask questions or fully explain my recent history. I was then accused of sharing my log in ID, Something I have never and will never do. This rep would not answer any of my questions and cut me off repeatedly. The first of my questions was, How can I be sure Im currently speaking with Ally Bank to which his reply was that he was unable to help me with that answer and that I would hear from them within 30 days, enough time for them to investigate this issue, I was still unclear as to what exactly the issue was as they never referenced a transfer or charge of any kind on these accounts. I asked again about the log in overseas he referenced earlier in the call and was denied information. I asked if there was any funds in these accounts or if they had been drained. He confirmed, It appears there are funds in the accounts. The man I was speaking with then hung up with no pleasantries. As you can imagine this interaction coupled with the fact that my account balances were never confirmed, was incredibly distressing- to the point of being physically ill.
XXXX XXXX I began receiving paper letters in the mail from ally about this fraud investigation and the date referencing the beginning of this investigation was XX/XX/XXXX. This was almost a month delay in communication about this investigation.
During this time ( 30 days ), I was unable to access any of my accounts, neither investment nor banking. I waited patiently for 30 days without any visualization or access to my funds. I received no communication via email or phone during that time.
On XX/XX/XXXX I called the regular Ally representative line ( XXXX ) I was told that my fraud investigation was closed with no results. I asked if that meant there was no fraud. The general representative at this time was unaware. I asked of the transfer made on XX/XX/XXXX went through. I was told no and that I had to reattempt the transfer. At this time a new username and password was created for me.
On XX/XX/XXXX I was able to log into my banking accounts, not my investment accounts, but no actions were able to be taken on the account. No transfers of any kind.
On XX/XX/XXXX I called Ally s general line again, on hold for over an hour, and said that there were still restrictions on my online accounts. I was told there was an issue that the rep needed to fix and after waiting on hold an hour it was apparently fixed. This phone call event happened repeatedly, almost exactly, on the XX/XX/XXXX and XXXX. I was finally able to make changes to my account and initiate the {$8500.00} dollar transfer through Allys website on the XX/XX/XXXX.
The Ally Investments department also required 2 repeat phone calls to restore my access after I was told on the first phone call that my access was restored completely. The transfer was completed to my XXXX account on XX/XX/XXXX.
Second Transfer : On XX/XX/XXXX I linked my XXXX business account ( I own this business and am the only person with access and named on this account ) through the process where Ally deposits and then withdraws small amounts and I report the exact amounts on Allys website. The XXXX account was successfully linked as confirmed online.
On XX/XX/XXXX I called Ally Banks only listed phone number and was on hold for 35 minutes. The call then dropped. I intended to ask the best way to initiate a transfer after the grief that I was put through the last time I attempted to make a transfer. The phone line was disconnected on me ( my cell phone indicates the difference between service failure and a call recipient hanging up ) so I logged into Ally Online and initiated a transfer of {$60000.00} from my ally account ending in XXXX to my XXXX account.
On XX/XX/XXXX the transfer had still not gone through, and I called ally. I was told this transfer was unable to proceed because my name was not listed on the XXXX account. I know this not to be the case as I set up this business account singlehandedly as a sole owner of my XXXX XXXX. I was told by a general representative, direct quote : Ally does not associate with any business accounts. And that I would have the funds returned in 3 business days.
On XX/XX/XXXX XXXX, 8 days and 6 business days later, XXXX dollars was still vacant from my Ally account ending in XXXX. I called ally yet again and inquired as to the delay. The representative was told by who she referenced to be the back office they did not have a reason for the funds not being returned but they would be replaced into my account, in the next few hours. XX/XX/XXXX at XXXXXXXX XXXX EST the money remained absent from the account but today ( XX/XX/XXXX ) when reviewing the account it appears records have been altered to indicate that the money was returned on XX/XX/XXXX.
XX/XX/XXXX and XXXX. I called Ally each day to attempt to initiate a WIRE to my XXXX account. I was told on the XXXX that the account ( only the savings account the wire was initiated from ) was suspended with no explanation. I was also suspended from making any type of bank transfer of my funds from any of my Ally accounts. And today, XX/XX/XXXX I am still unable to make any kind of transfers OUT of Ally bank.
XX/XX/XXXX and XXXX I called ally to attempt to gather information about this new suspension. It is important to note that this suspension DID NOT come with any sort of communication attempt by Ally to me, nor did it suspend my access to my accounts. My ability to make changes to any of my ally accounts was suspended. The XX/XX/XXXX conversation was the only time I received a reference number for me to follow the issue. ( ref # XXXX ) Today, XX/XX/XXXX, I spent over an hour on hold with Ally representative XXXX to ask how to move my money out of this bank! I was not given an answer, only told that the back office needs another 7 business days to review the accounts and that my funds and online access would stay in suspension. I was again not given any particulars about the issues or any explanation as to why my money is being withheld from me. I asked as to why this suspension was so different than the fraud suspension that included communication to me and the representative could not answer this. The representative spent some time on hold with another department herself. She was equally frustrated about the amount of time SHE waited on hold for her superior office to get in communication with her and was sufficiently rude to me as though this was something I had done! At this time I determined that this business has not acted in a professional way and I requested to her that my 4 banking accounts be closed with Ally and for my money to be wired to my accounts at a different bank. XXXX told me she had to submit a request to do this. No written communication was sent in any by Ally about these changes.
I would like to clarify at this time : These accounts are not in negative balances, I do not owe and have never owed any money to this institution. The funds in these accounts have been present for over a year. This is NOT a complaint that a deposited check funds are not available soon enough, rather it is my money that I transferred into this bank in accounts under my name for normal banking activities. This has gone on for MONTHS and it is apparent that Ally is attempting to keep my money! I am an military wife, attempting to open a business, under enough hardship with a XXXX husband and XXXX family - handling this has caused XXXX XXXX and I am XXXX XXXX every day over the fact that I have been stolen from.
I called Ally XX/XX/XXXX that evening as I was distraught, crying. I begged the general representative to help me. She created yet another case ( ref # XXXX ) and told me, Im not supposed to tell you this but the Loss Prevention department oversees this issue. I still had no answers, Only a new case number.
Update XX/XX/XXXX I called the Ally Loss Prevention Line ( XXXX XXXX XXXX ) at XXXX. Total call time : XXXX, XXXX mins. Was on pre- representative hold for 20 minutes. I spoke to a man in that department XXXX who informed me that I was not supposed to call this line to contact this office about this issue, that I had to go through the general ally line. I again asked for help on this issue as the general representative line has proven so unsuccessful and distressing for me. XXXX informed me that my XXXX ally accounts have been closed and checks would be mailed to me. I asked why transfers had not been set up, why I was still unable to see this change in my online accounts. He put me on hold and fixed what I could see on my online log in to show that these accounts are closed. I confirmed this by logging in online. I asked again why I had not been notified of the approval XXXX ( representative from XX/XX/XXXX ) told me she needed to close the accounts no answer was given. I asked why ( and who approved ) a change from wire transfers to checks for the funds and the turn around time. No clear answer or help was given. I, giving up somewhat, expressed my concern that the last letters I received from ally at the end of XXXX were dated XX/XX/XXXX and this now an intolerable amount of time to wait to wait on checks. I requested that the checks at least go in mail with a tracking number. XXXX said, They have already been generated, no mailed, no, just generated, our system is unclear, but that is not an option. This is really not something our department does. I asked why then this matter was overseen by his department. To that question there was silence on the other end of the line. I asked who manages this company, and if there was someone I could speak with who could just put the checks in a tracked envelope for me. I was transferred to the general Ally representative. ( 30 minutes to explain briefly that I needed a supervisor and why ). I was put in contact with XXXX, who told me she was an account supervisor. She said no tracked envelopes were possible here. She said she could see the closed accounts, see the wire and that, the wire department is asking if I would like the original {$60000.00} wire to go through. I said yes. She noted my approval of the wire in her system. At this point I want to make clear that Ally Bank continued to refuse to put a tracking number on my checks in the mail. However, because there was a wire possible for the majority of my funds, I was more compliant with the checks getting mailed without identification. We then went over the remaining amounts on the checks that were generated. They were, ( approximately, from memory ) {$33.00}, {$1400.00}, {$5100.00}, and {$190.00}. No timeframe of arrival to me via mailed was offered. XXXX recommended that I call back in the afternoon to confirm the wire. I then asked about my remaining account ( a CD ) and the cost to remove the funds at this time, before maturity. XXXX was unable to give me a finite number/cost to remove my money from this account. While This was a pleasant conversation, Ally bank remained withholding of information that is my right to have as a customer using their products. We pleasantly ended the conversation.
I called Allys general number the afternoon of the XXXX and was told there is no wire present on any of my accounts. During this call I received an email stating that my wire transfer on account XXXX has been cancelled. The representative told me that there is no wire transfers on any of my accounts, That there was an ACH pending for {$60000.00} out of my XXXX account but it is the other bank not accepting the transfer and that this would take 5-7 business days to transfer funds, provided the other bank does their part. I told this representative that this was not at all what was supposed to be happening with this money, she was unable and unwilling to help. Unable to explain why my wire was changed to an ACH. I asked for another transfer to a supervisor. I was then hung up on.
I immediately contacted my other bank, XXXX XXXX XXXX and spoke to my banker who informed me that no requests, no wires, nothing in the ACH warehouse, was coming to my accounts or even initiated. Ally lied to me about how and when my funds would be moved.
XX/XX/XXXXXXXX XXXX XXXX I called Allys general number for an update on what exactly is going on with my accounts and where my funds are with general representative XXXX. Was transferred to XXXX, a supervisor, who told me that checks, not wires, not ACH transfers, were sent to my home address coming out of XXXX. So while 7-10 business days were quoted on receival time, it *might* be sooner that I receive my money. I expressed that this was the opposite of what I was told yesterday. XXXX said that XXXX individual checks, including a check of {$61000.00} closing the XXXX account and smaller checks closing XXXX other accounts were now in the mail. No tracking numbers available. XXXX initiated a complaint within the company for this situation. Complaint reference number : XXXX. XXXX apologized, said that this should not have happened and should not have gone over in this way. She said that {$60000.00} was not even a considered a large transfer amount, and I need to do what I need to protect myself. I disclosed that I was elevating this matter to the government level.
During the XX/XX/XXXX Phone call I initiated the closure of my CD account online, requesting the total of {$25000.00} be transferred to XXXX account ending in XXXX. I received conformation of such and on that 3 days for receiving funds is promised.
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| 03/17/2021 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/1958 XXXX XXXX XXXX XXXX P. O. Box XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Box XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. Box XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection XXXX b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
CREDITOR CONTACT INFORMATION : ALLY FINANCIAL XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MI XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that XXXX, XXXX and XXXX XXXX maintain integrity for the American consumers.
The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information.
2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed.
3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor.
4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time.
5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports.
6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency.
I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( CRAS ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry.
DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX XXXX XXXX
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| 12/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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XXXX, ALLY FINANCIAL. ALLY FINANCIAL is reporting my auto loan payments as LATE PAYMENTS. Finance charges was included which is the sum of all payments.There should be no late payments for this account. ALLY is also reporting XXXX, XXXX, and XXXX as XXXX days late for each month. A personal can not be XXXX days late in a month!!! I ATTACHED ONE OF MY MOST RESENT CREDIT REPORT FOR PROOF THAT ALLY FINANCIAL IS REPORTING INACCURATELY ON MY CREDIT REPORT. I HAVE DISPUTED THIS INFORMATION ONCE. I RECIEVED A CALL FROM ALLY ABOUT THIS INACCURATE REPORT. BUT MY CREDIT REPORT WAS NOT UPDATED. Refer to LAWS of 15 USC 1605 AND 15 USC 1666 ALLY FINANCIAL IS VIOLATING CONSUMER LAWS 15 USC 1605 ( a ) ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.
( 2 ) Service or carrying charge.
( 3 ) Loan fee, finders fee, or similar charge.
( 4 ) Fee for an investigation or credit report.
( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.
( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed.
( b ) Life, accident, or health insurance premiums included in finance charge Charges or premiums for credit life, accident, or health insurance written in connection with any consumer credit transaction shall be included in the finance charges unless ( 1 ) the coverage of the debtor by the insurance is not a factor in the approval by the creditor of the extension of credit, and this fact is clearly disclosed in writing to the person applying for or obtaining the extension of credit ; and ( 2 ) in order to obtain the insurance in connection with the extension of credit, the person to whom the credit is extended must give specific affirmative written indication of his desire to do so after written disclosure to him of the cost thereof.
( c ) Property damage and liability insurance premiums included in finance charge Charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership or use of property, shall be included in the finance charge unless a clear and specific statement in writing is furnished by the creditor to the person to whom the credit is extended, setting forth the cost of the insurance if obtained from or through the creditor, and stating that the person to whom the credit is extended may choose the person through which the insurance is to be obtained.
( d ) Items exempted from computation of finance charge in all credit transactions If any of the following items is itemized and disclosed in accordance with the regulations of the Bureau in connection with any transaction, then the creditor need not include that item in the computation of the finance charge with respect to that transaction : ( 1 ) Fees and charges prescribed by law which actually are or will be paid to public officials for determining the existence of or for perfecting or releasing or satisfying any security related to the credit transaction.
( 2 ) The premium payable for any insurance in lieu of perfecting any security interest otherwise required by the creditor in connection with the transaction, if the premium does not exceed the fees and charges described in paragraph ( 1 ) which would otherwise be payable.
( 3 ) Any tax levied on security instruments or on documents evidencing indebtedness if the payment of such taxes is a precondition for recording the instrument securing the evidence of indebtedness.
( e ) Items exempted from computation of finance charge in extensions of credit secured by an interest in real property The following items, when charged in connection with any extension of credit secured by an interest in real property, shall not be included in the computation of the finance charge with respect to that transaction : ( 1 ) Fees or premiums for title examination, title insurance, or similar purposes.
( 2 ) Fees for preparation of loan-related documents.
( 3 ) Escrows for future payments of taxes and insurance.
( 4 ) Fees for notarizing deeds and other documents.
( 5 ) Appraisal fees, including fees related to any pest infestation or flood hazard inspections conducted prior to closing.
( 6 ) Credit reports.
( f ) Tolerances for accuracy In connection with credit transactions not under an open end credit plan that are secured by real property or a dwelling, the disclosure of the finance charge and other disclosures affected by any finance charge ( 1 ) shall be treated as being accurate for purposes of this subchapter if the amount disclosed as the finance charge ( A ) does not vary from the actual finance charge by more than {$100.00} ; or ( B ) is greater than the amount required to be disclosed under this subchapter ; and ( 2 ) shall be treated as being accurate for purposes of section 1635 of this title if ( A ) except as provided in subparagraph ( B ), the amount disclosed as the finance charge does not vary from the actual finance charge by more than an amount equal to one-half of one percent of the total amount of credit extended; or ( B ) in the case of a transaction, other than a mortgage referred to in section 1602 ( aa ) [ 1 ] of this title, which ( i ) is a refinancing of the principal balance then due and any accrued and unpaid finance charges of a residential mortgage transaction as defined in section 1602 ( w ) 1 of this title, or is any subsequent refinancing of such a transaction ; and ( ii ) does not provide any new consolidation or new advance ; if the amount disclosed as the finance charge does not vary from the actual finance charge by more than an amount equal to one percent of the total amount of credit extended.
AND LAW 15 USC 1666 Correction of consumer errors ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor If a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under section 1637 ( b ) ( 10 ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor ( 1 ) sets forth or otherwise enables the creditor to identify the name and account number ( if any ) of the obligor, ( 2 ) indicates the obligors belief that the statement contains a billing error and the amount of such billing error, and ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or ( ii ) send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination.
After complying with the provisions of this subsection with respect to an alleged billing error, a creditor has no further responsibility under this section if the obligor continues to make substantially the same allegation with respect to such error.
( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.
( 7 ) Any other error described in regulations of the Bureau.
( c ) Action by creditor to collect amount or any part thereof regarded by obligor to be a billing error For the purposes of this section, action to collect the amount, or any part thereof, indicated by an obligor under paragraph ( 2 ) does not include the sending of statements of account, which may include finance charges on amounts in dispute, to the obligor following written notice from the obligor as specified under subsection ( a ), if ( 1 ) the obligors account is not restricted or closed because of the failure of the obligor to pay the amount indicated under paragraph ( 2 ) of subsection ( a ), and ( 2 ) the creditor indicates the payment of such amount is not required pending the creditors compliance with this section.
Nothing in this section shall be construed to prohibit any action by a creditor to collect any amount which has not been indicated by the obligor to contain a billing error.
( d ) Restricting or closing by creditor of account regarded by obligor to contain a billing error Pursuant to regulations of the Bureau, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligors account the amount indicated to be in error.
( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}.
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| 11/10/2022 |
Yes |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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This is my 3rd attempt at trying to fix this with your company. I need to stress the urgency of this by repeating myself to ensure my problems are taken seriously!
original complaint '' FTC REPORT NUMBER - XXXX attorney General complaint number - XXXX Agreement # : XXXX VIN XXXX after thoroughly reading through the " agreement '' it appears that this is indeed the security interest that was fraudulently given to " ally Financial '' because XXXX XXXXXXXX assigned it to them without recourse. Also I was also unaware of this swap when I was purchasing the vehicle, and was never told or made aware of these disclosure. Full disclosure being one of the main things in contract law. here are actually 8 things needed in order for a contract to be legitimate. pursuant to Law merchant and negotiable instruments law. pursuant to 15 USC 1692g - debt validation, I the natural person and federally protected consumer would like to know who the original creditor is of this alleged debt. pursuant to 15 USC 1692g, after requesting the name of the original creditor you must cease all collection activities, including but not limited to, verification of this debt and or a judgement. this must be mailed to me the natural person and consumer. any and all payments made or sent out to this company must be IMMEDIATELY sent back to me the natural persona and federally protected consumer, at the address XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX also pursuant to 15 USC 1692 ( c ) - admission of liability, " The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. '' 15 USC 1605- Accepting cash down payment also pursuant to 15 USC 1605 - determination of a finance charge, the dealership XXXX XXXX XXXX took a down payment of {$3000.00} from the consumer, when it clearly states that any transaction that is an extension of consumer credit is suppose to be 100 percent In credit. it can not be a mix of credit and cash. This must be sent back to my address at your earliest convenience, via check, I will be filing a complaint with the attorney general pertaining to the fraud that has transpired with this transaction. 15 USC 1605 - Details Finance charge defined Intrest Service charge or carrying charge Loan fee, finders fee or similar charge Fee for investigation or credit report Premium or other charge for guarantee or insurance protecting the creditor against the obligors default or other credit loss Gap insurance or regular insurance pursuant to the Supreme Court case " fraud vitiates the most solemn contract, documents, and even judgements '' [ U.S. v. Throckmorton, 98 US 61 pg. 65 ] 42. ) A consumer contract is not sufficient evidence of a debt [ Pacific concrete F.C.U. v. Kaunanoe 62 HAW 334, 614, p.2d 936 ( XXXX XXXX ] 15 USC 1681o - civil liability for negligent noncompliance 15 USC 1681n - Civil Liability for willful noncompliance 15 USC 1611 - Criminal liability for willful and knowing violation 12 USC 411 - everything isa government obligation 12 USC 83 - Banks can not lend their own money 18 USC 8 - Obligation or other security of the United States defined 31 USC 1602- you can discharge all debts and tender of payment does not have to be illegal tender UCC 3-104 - explains what a negotiable instrument is UCC 3-311- Explains what satisfaction by use of instrument is UCC 3-602- explain what a payment is UCC 3-603 - explains what tender of payment is 1681b ( a ) ( 2 ) - no consent to furnish any of my private information 15 USC 1666b - timing of payments 15 USC 1692 ( c ) ( a ) - no prior consent was given to this debt collector 15 USC 1692d- definition of the word consumer 15 USC 1692e- False and misleading representation 15 USC 1692 ( a ) ( 4 ) - Definition of a creditor 15 USC 1692e - False and deceptive information ( 15 USC 1692 D 2 ) - Obscene & Profane language Right of Rescission ( 15 use 1635 A ) was missing in the contract 100, and I was never told of my right to remind my consumer liability. this federal law states that two times the finance charge must be paid if it is found that the corporation is in violation of this federal statute, federal codified law. Pursuant to 15 USC 1640 ( 2 ) ( A ) ( i )- which states " in the case of an individual action twice the amount of any finance charge in connection with the transaction, " also in 15 USC 1640 ( a ) ( 1 ) - which states " any actual damage sustained by such person as a result of the failure ; " the truth in lending act, Regulation Z, states clearly that the cost of how much the credit will cost me must be on the contract that I sign and ready to be read and comprehended by anyone reading said contract. It also states in the United States Manual styles that " anything in box on any form, is in reality not on that form '' so the truth in lending act may seem to be upheld in the contract, however, after careful scrutiny only the fallacy of the information is really being agreed upon. also I entered into this contract with bonafide god faith, that there would be an even exchange of goods. '' [ FOLLOW UP REBUTTAL ] You claim not to be a debt collector yet federal specifically states the actions you are taking are indeed, by definition, a violation of The United States Code 1692a ( 6 ). I have taken the liberty of providing an excerpt of the cited federal law. ( 6 ) The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. The term does not include ( A ) any officer or employee of a creditor while, in the name of the creditor, collecting debts for such creditor ; ( B ) any person while acting as a debt collector for another person, both of whom are related by common ownership or affiliated by corporate control, if the person acting as a debt collector does so only for persons to whom it is so related or affiliated and if the principal business of such person is not the collection of debts ; ( C ) any officer or employee of the United States or any State to the extent that collecting or attempting to collect any debt is in the performance of his official duties ; ( D ) any person while serving or attempting to serve legal process on any other person in connection with the judicial enforcement of any debt ; ( E ) any nonprofit organization which, at the request of consumers, performs bona fide consumer credit counseling and assists consumers in the liquidation of their debts by receiving payments from such consumers and distributing such amounts to creditors ; and ( F ) any person collecting or attempting to collect any debt owed or due or asserted to be owed or due another to the extent such activity ( i ) is incidental to a bona fide fiduciary obligation or a bona fide escrow arrangement ; ( ii ) concerns a debt which was originated by such person ; ( iii ) concerns a debt which was not in default at the time it was obtained by such person ; or ( iv ) concerns a debt obtained by such person as a secured party in a commercial credit transaction involving the creditor. In this excerpt it is vivid what the exceptions are for which to be excluded from being labeled a debt collector. Sadly ALLY FINANCIAL does not fall under pretenses of the exclusion list ; henceforth labeling this corporation and its practices as a debt collector. You also made mention of the court case Henson v. XXXX XXXX XXXX XXXX, 137 S. Ct. 1718 ( XXXX ) This case fails to address two major points that still point the finger at your corporation falling under the Fair Debt Collection Practices Act ( FDCPA ). Your corporation is still a 3rd party. Which means your financial institutions continues to fall under the umbrella term of debt collector On another note you made mention of repossession of the my property pursuant to On another note you made mention of a retail installment contract which i have so graciously provided as evidence of your fraud. 15 USC 1692j states the furnishing of deceptive forms and this fraudulently crafted consumer credit contract was made to appear like a retail installment agreement. When taking into account contract law and what is really going to be litigated the text within the boxes appears blank, So realistically speaking on every page where there is a big box and just a signature outside of the box the judge will only see my signature and a blank page. This idea is also reaffirmed in the United States Manual styles book where in court anything that is out within ( ), parenthesises, brackets [ ], or is within a box is actually not on the page. So in reality the retail installment agreement is really a contract that was crafted for me to give Ally financial a security interest in the actual tangible property. Henceforth, Ally financial has committed contract fraud and is since the inception of this extension of credit, in breach of contract because there in reality was never a full disclosure of terms from ally financial to the consumer. Lastly confirming once more that Ally Financial was and still is a 3rd party debt collector to a transaction they did not originate, but were assigned without recourse from XXXX XXXX XXXX. Pursuant to 12 USC 8, the job of a bank is not to lend money. So Ally financial also has a fraudulent security interest in the title to the actual property. 15 USC 1692e - false or misleading representations ( 2 ) the false representation of - A. The character, amount, or legal status of any debt ( 4 ) the representation or implication that nonpayment of any debt will result in the arrest of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 5 ) the threat to take any action that can not legally be taken or that is not intended to be taken. ( 6 ) the false representation or implication that a sale, referral, or other transfer of any interest In a debt shall cause the consumer to - A. Lose a claim or defense to payment of the debt of B. Become subject to any practice prohibited by this sub chapter. Now in the rebuttal ALLY FINANCIAL sent me, when this debt was being disputed they said they were trying to repossess the automobile and that pursuant to the fraudulent security interest I signed thinking I was doing a bona fide extension of consumer credit turned out to be fraud. I have been the victim of fraud fact ;, I have been abused by a debt collector engaging in unfair practices, fact ; Pursuant to 15 USC 1692a ( 2 ) the term communication means any conveying of information regarding a debt directly or indirectly to any person through any medium. Any meaning no restriction, and medium includes any oral, written, electronic, or other medium. Therefore, sending statements, letters congratulating the consumer of their new vehicle purchase, responding back to these complaints pushing the agenda that these alleged debts are indeed owed. Reporting this information on my consumer credit report pertaining to the details of the transactions or payments is a violation of the Fair Debt Collection Practices Act ( FDPCA ). Pursuant to 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but is not limited to phone calls, emails, social media, or any Consumer Reporting Agency. Any future correspondences from your corporation, with the exception of communication of you confirming your acknowledgement of this letter, is in violation of the fair Debt Collection Practices Act. If you do not cease communication a affidavit will be drafted containing attached documents and correspondences and a lawsuit will be commenced upon you. CFPB complaint number : XXXX,
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| 11/08/2022 |
Yes |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
|
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original complaint '' FTC REPORT NUMBER - XXXX attorney General complaint number - XXXX Agreement # : XXXX VIN XXXX after thoroughly reading through the " agreement '' it appears that this is indeed the security interest that was fraudulently given to " ally Financial '' because XXXX XXXX assigned it to them without recourse. Also I was also unaware of this swap when I was purchasing the vehicle, and was never told or made aware of these disclosure. Full disclosure being one of the main things in contract law. here are actually 8 things needed in order for a contract to be legitimate. pursuant to Law merchant and negotiable instruments law. pursuant to 15 USC 1692g - debt validation, I the natural person and federally protected consumer would like to know who the original creditor is of this alleged debt. pursuant to 15 USC 1692g, after requesting the name of the original creditor you must cease all collection activities, including but not limited to, verification of this debt and or a judgement. this must be mailed to me the natural person and consumer. any and all payments made or sent out to this company must be IMMEDIATELY sent back to me the natural persona and federally protected consumer, at the address XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX also pursuant to 15 USC 1692 ( c ) - admission of liability, " The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. '' 15 USC 1605- Accepting cash down payment also pursuant to 15 USC 1605 - determination of a finance charge, XXXX XXXX XXXXXXXX XXXX XXXX took a down payment of {$3000.00} from the consumer, when it clearly states that any transaction that is an extension of consumer credit is suppose to be 100 percent In credit. it can not be a mix of credit and cash. This must be sent back to my address at your earliest convenience, via check, I will be filing a complaint with the attorney general pertaining to the fraud that has transpired with this transaction. 15 USC 1605 - Details Finance charge defined Intrest Service charge or carrying charge Loan fee, finders fee or similar charge Fee for investigation or credit report Premium or other charge for guarantee or insurance protecting the creditor against the obligors default or other credit loss Gap insurance or regular insurance pursuant to the Supreme Court case " fraud vitiates the most solemn contract, documents, and even judgements '' [ XXXX XXXX XXXX, XXXX XXXX XXXX pg. XXXX ] XXXX. ) A consumer contract is not sufficient evidence of a debt [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ( XXXX ) ] XXXX XXXX XXXX - civil liability for negligent noncompliance 15 USC 1681n - Civil Liability for willful noncompliance 15 USC 1611 - Criminal liability for willful and knowing violation 12 USC 411 - everything isa government obligation 12 USC 83 - Banks can not lend their own money 18 USC 8 - Obligation or other security of the United States defined 31 USC 1602- you can discharge all debts and tender of payment does not have to be illegal tender UCC 3-104 - explains what a negotiable instrument is UCC 3-311- Explains what satisfaction by use of instrument is UCC 3-602- explain what a payment is UCC 3-603 - explains what tender of payment is 1681b ( a ) ( 2 ) - no consent to furnish any of my private information 15 USC 1666b - timing of payments 15 USC 1692 ( c ) ( a ) - no prior consent was given to this debt collector 15 USC 1692d- definition of the word consumer 15 USC 1692e- False and misleading representation 15 USC 1692 ( a ) ( 4 ) - Definition of a creditor 15 USC 1692e - False and deceptive information ( 15 USC 1692 D 2 ) - Obscene & Profane language Right of Rescission ( 15 use 1635 A ) was missing in the contract 100, and I was never told of my right to remind my consumer liability. this federal law states that two times the finance charge must be paid if it is found that the corporation is in violation of this federal statute, federal codified law. Pursuant to 15 USC 1640 ( 2 ) ( A ) ( i )- which states " in the case of an individual action twice the amount of any finance charge in connection with the transaction, " also in 15 USC 1640 ( a ) ( 1 ) - which states " any actual damage sustained by such person as a result of the failure ; " the truth in lending act, Regulation Z, states clearly that the cost of how much the credit will cost me must be on the contract that I sign and ready to be read and comprehended by anyone reading said contract. It also states in the United States Manual styles that " anything in box on any form, is in reality not on that form '' so the truth in lending act may seem to be upheld in the contract, however, after careful scrutiny only the fallacy of the information is really being agreed upon. also I entered into this contract with bonafide XXXX faith, that there would be an even exchange of goods. '' [ FOLLOW UP REBUTTAL ] You claim not to be a debt collector yet federal specifically states the actions you are taking are indeed, by definition, a violation of The United States Code 1692a ( 6 ).
I have taken the liberty of providing an excerpt of the cited federal law.
( 6 ) The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. The term does not include ( A ) any officer or employee of a creditor while, in the name of the creditor, collecting debts for such creditor ; ( B ) any person while acting as a debt collector for another person, both of whom are related by common ownership or affiliated by corporate control, if the person acting as a debt collector does so only for persons to whom it is so related or affiliated and if the principal business of such person is not the collection of debts ; ( C ) any officer or employee of the United States or any State to the extent that collecting or attempting to collect any debt is in the performance of his official duties ; ( D ) any person while serving or attempting to serve legal process on any other person in connection with the judicial enforcement of any debt ; ( E ) any nonprofit organization which, at the request of consumers, performs bona fide consumer credit counseling and assists consumers in the liquidation of their debts by receiving payments from such consumers and distributing such amounts to creditors ; and ( F ) any person collecting or attempting to collect any debt owed or due or asserted to be owed or due another to the extent such activity ( i ) is incidental to a bona fide fiduciary obligation or a bona fide escrow arrangement ; ( ii ) concerns a debt which was originated by such person ; ( iii ) concerns a debt which was not in default at the time it was obtained by such person ; or ( iv ) concerns a debt obtained by such person as a secured party in a commercial credit transaction involving the creditor.
In this excerpt it is vivid what the exceptions are for which to be excluded from being labeled a debt collector. Sadly ALLY FINANCIAL does not fall under pretenses of the exclusion list ; henceforth labeling this corporation and its practices as a debt collector.
You also made mention of the court case XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) This case fails to address two major points that still point the finger at your corporation falling under the Fair Debt Collection Practices Act ( FDCPA ). Your corporation is still a 3rd party. Which means your financial institutions continues to fall under the umbrella term of debt collector On another note you made mention of repossession of the my property pursuant to On another note you made mention of a retail installment contract which i have so graciously provided as evidence of your fraud. 15 USC 1692j states the furnishing of deceptive forms and this fraudulently crafted consumer credit contract was made to appear like a retail installment agreement. When taking into account contract law and what is really going to be litigated the text within the boxes appears blank, So realistically speaking on every page where there is a big box and just a signature outside of the box the judge will only see my signature and a blank page. This idea is also reaffirmed in the United States Manual styles book where in court anything that is out within ( ), parenthesises, brackets [ ], or is within a box is actually not on the page.
So in reality the retail installment agreement is really a contract that was crafted for me to give Ally financial a security interest in the actual tangible property. Henceforth, Ally financial has committed contract fraud and is since the inception of this extension of credit, in breach of contract because there in reality was never a full disclosure of terms from ally financial to the consumer. Lastly confirming once more that Ally Financial was and still is a 3rd party debt collector to a transaction they did not originate, but were assigned without recourse from XXXX XXXX XXXX.
Pursuant to 12 USC 8, the job of a bank is not to lend money. So Ally financial also has a fraudulent security interest in the title to the actual property.
15 USC 1692e - false or misleading representations ( 2 ) the false representation of - A. The character, amount, or legal status of any debt ( 4 ) the representation or implication that nonpayment of any debt will result in the arrest of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.
( 5 ) the threat to take any action that can not legally be taken or that is not intended to be taken.
( 6 ) the false representation or implication that a sale, referral, or other transfer of any interest In a debt shall cause the consumer to - A. Lose a claim or defense to payment of the debt of B. Become subject to any practice prohibited by this sub chapter.
Now in the rebuttal ALLY FINANCIAL sent me, when this debt was being disputed they said they were trying to repossess the automobile and that pursuant to the fraudulent security interest I signed thinking I was doing a bona fide extension of consumer credit turned out to be fraud.
I have been the victim of fraud fact ;, I have been abused by a debt collector engaging in unfair practices, fact ; Pursuant to 15 USC 1692a ( 2 ) the term communication means any conveying of information regarding a debt directly or indirectly to any person through any medium.
Any meaning no restriction, and medium includes any oral, written, electronic, or other medium. Therefore, sending statements, letters congratulating the consumer of their new vehicle purchase, responding back to these complaints pushing the agenda that these alleged debts are indeed owed. Reporting this information on my consumer credit report pertaining to the details of the transactions or payments is a violation of the Fair Debt Collection Practices Act ( FDPCA ).
Pursuant to 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but is not limited to phone calls, emails, social media, or any Consumer Reporting Agency.
Any future correspondences from your corporation, with the exception of communication of you confirming your acknowledgement of this letter, is in violation of the fair Debt Collection Practices Act.
If you do not cease communication a affidavit will be drafted containing attached documents and correspondences and a lawsuit will be commenced upon you.
CFPB complaint number : XXXX,
|
| 02/24/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
Older American, Servicemember |
|
This is a copy of one letter sent to my bank:
To: Ally Bank
Address: XXXX XXXX XXXX XXXX, PA XXXX Email: XXXX Object: This is an Official Refund Request
Sir/Madam,
My name is XXXX XXXX, a client of your bank, I am writing to you to raise your
awareness regarding an issue that I had lately with my funds which have been
transferred to some fraudulent and illegal destination known under the name of
XXXX XXXX (The Company), which I invested out of pocket a total amount of
$XXXX USD.
So, what happened is that I made the first transaction from my banking account to my
XXXX and XXXX accounts before the money went to the perpetrator.
Let me tell you how this situation happened to me:
It all started when I received a text on XXXXXXXX one day from a strange number asking
me to reschedule their doctor appointment. After joking back and forth, and some time
communicating and establishing a relationship with XXXX XXXX, she told me about the
opportunity to invest in a cryptocoin miner and trading company. What she was saying
was seductive and attractive enough that after a week or so, I wanted to give it a try,
especially since it seemed climbing inflation and the constant hits on my 401k was going
to ruin my retirement.
I started out with my first trade on XXXX XXXX with XXXX guidance. Somehow, I
accidently made 3 trades and won all 3. XXXX said I was so lucky and more or less
chewed me out for not following her commands and making the extra two trades, even
though I didnt know how I made them. She immediately directed me to put the money
in lock down mining to gain 1.7% per day with a contract of 5 days. She assured me
there would not be any trading days in the next 5 days but that I need to get more money
into the account so I can earn a lot more on these trades and in lockdown mining. My
first trade was just short of XXXX USDT and she claimed she traded XXXX USDT and
that I need to catch up to that amount so I can make more money.
She told me that by investing larger amounts of money I could make very good profits,
and had guaranteed me that at any point in time that I want to take my money back out
that it would be possible. So due to my lack of experience and knowledge I could only
think that she was right and she knew what she was talking about. She sounded very
confident, professional and claimed to have a business degree from XXXX XXXX I continued to add money as I got a hold of it. I kept seeing how inflation
was eating my paycheck and my losses in the 401ks were not helping at all either. I
closed the 401ks thinking the profits in XXXX trading are far better than the losses Im
taking on the market drops. Once that money was in the XXXX account, and trades were
made, I saw how quickly the gains were adding up. I also began testing my XXXX account
and made various withdrawals to make sure I could access my money. Eventually, my
biggest withdrawal of 10k convinced me this was real. All requests were approved
within hour and deposited into my XXXX account within 5 minutes of
initiation. A real confidence booster.
(Check Bank Statements:)
NOTE: I am unable to attach a screenshot of my transactions that I sent to the bank at this point (9 total). I would be happy to email them for the investigation.
After all of the money I had was invested, it seemed the trading days were more plentiful
and it didnt take very long to get my account value to over XXXX USDT. I needed
some money to pay some credit card debt so I requested XXXX USDT. It took several
hours this time instead of just minutes but my request went from under review to
denied. I was surprised and now really suspicious. Then, I received an email from
XXXX that told me I made XXXX USDT from XXXX XXXX and have to pay
XXXX USDT in taxes and I cant use any of my XXXX funds until the tax penalty is
paid. It also said this will affect my credit if the taxes werent paid and Id be reported to
the IRS.
At this point I realized what happened. My heart sank. I went on my XXXX trading site
and tried to actually lose money. I made several trades that I felt were sure to fail but
none of them did. After trying to withdraw my money several times with no success, I
understood that I made the mistake of my life and that I fell victim to a scam.
Today, I feel lost because my financial situation went very badly. I am no longer able to
provide my family with what they need and have lost my entire retirement money, but I
especially feel betrayed. How come my bank, that I trusted, didnt even take the
initiative to warn me about these people, and worse, why didnt my bank just stop the
transactions since the banks system can detect the unsecured destinations of funds?
Thats why I am coming to you with this official request to refund my full lost money for
the amount of $XXXX USD. You should either claim it from the beneficiary bank
where you allowed my money to go or you should reimburse me from your own pool
because as your client you are responsible to protect my funds.
I hope that you will not shift liability, and will assume the consequences of your mistake.
I want to stay your client for longer and keep receiving your services. For this, you have
to show maturity and act to resolve this issue without complaining about your failure in
the protection of your clients.
Looking forward to hearing a positive response from you.
Cordially,
XXXX of XXXX XXXXXXXX XXXX XXXXXXXX XXXX
email: XXXX
This is the second letter I sent to them over the same issue:
To: Ally Bank
Address: XXXX XXXX XXXX XXXX XXXX XXXX Email: XXXX
Object: This is an Official Refund Request
Sir/Madam,
My name is XXXX XXXX, a client of your bank, I am writing to you to raise your
awareness regarding an issue that I had lately with my funds which have been
transferred to some fraudulent and illegal destination known under the name of XXXX XXXX XXXX (The Company), which I invested out of pocket a total amount of
$XXXX USD.
So, what happened is that I made the first transaction from my banking account to my
XXXX and XXXX accounts before the money went to the perpetrator.
It all started when I received a text on XXXX from XXXX XXXX XXXX. We communicated
for a couple of weeks and she always seemed positive, happy and busy with her business
and her son. After about 2 weeks of communication, she asked me if I wanted to trade
crypto currency with her.
I was already aware of this type of trading because of my interaction with XXXX XXXX but
thought two sources of trading could be good. I agreed, and she helped me set up an
account with XXXX. She showed me her winnings on these trades and it was quite
large. She told me if I put about XXXX or XXXX XXXX into my account, she could help me make
nice earnings like hers. I did add more eventually expecting to make money like I
appeared to be on my account with XXXX XXXX
(Check Bank Statements:)
NOTE: I am unable to attach a screenshot of my transactions that I sent to the bank at this point (9 total). I would be happy to email them for the investigation.
I tried to withdraw $XXXX USD from my account and my order was rejected. I had no
idea why, and nothing was said. I was at this point already suspecting fraud and wanted
to get at least a small chunk of my money out if it were possible. I told XXXX XXXX that I had
a home equity loan in progress that would be approved in 3 weeks, that I plan to invest XXXX, and that I need XXXX now to pay a credit card bill and questioned why my request
could be rejected, after all, it is my money.
She told me to put a request for the entire balance in addition to the XXXX The next day, I
had a status on both of my withdrawal requests (XXXX and balance XXXX) as
pending. I asked online support why it was pending and that is when I received a tax
due notice from them, that I cant do anything with my account until I pay the taxes due
(XXXX USDT) on earnings of XXXX USDT. I knew I was the victim of another
scam.
Today, I feel lost because my financial situation went very badly. I am no longer able to
provide my family with what they need and have lost my entire retirement money, but I
especially feel betrayed. How come my bank, that I trusted, didnt even take the
initiative to warn me about these people, and worst why didnt my bank just stop the
transactions since the banks system can detect the unsecured destinations of funds?
Thats why I am coming to you with this official request to refund my full lost money for
the amount of $XXXX USD. You should either claim it from the beneficiary bank
where you allowed my money to go or you should reimburse me from your own pool
because as your client you are responsible to protect my funds.
I hope that you will not shift liability, and will assume the consequences of your mistake.
I want to stay your client for longer and keep receiving your services. I hope you will
show maturity and act to resolve this issue without complaining about your failure in the
protection of your clients.
Looking forward to hearing a positive response from you.
Cordially,
XXXX of XXXX XXXX. XXXX XXXXXXXX XXXX
Email: XXXX
After about a month the bank hadn't responded so I sent an email reminder. About 2 or 3 weeks later they called me and said my request for refund was denied. So, I sent them another challenge letter that shows the bank's policy on scam where the bank says if money is suspected of being used in a scam, the bank can hold the transactions and will notify the account holder.
To: Ally Bank
Address: XXXX XXXX XXXX XXXX XXXX XXXX
Email: XXXX
Subject:This is an Official request for a refund
Sir/Madam,
My name is XXXX XXXX, I am writing to respond to your answer wherein you
declined to provide me with a refund after I was defrauded.
I am now writing to appeal that decision. In refusing a refund, you justified your
decision that you cannot refund me the money that I lost, that you have done your best,
but you have not been able to do so.
I want to point your attention to your own Terms and Conditions that can be found by
the link:ALLY Bank online banking services agreement XXXX XXXX XXXX Based on the foregoing, I can safely say that I did not receive any goods and services
promised to me at all. Also, I received absolutely no fraud protection from your
organization. Why do I, as a client of your bank, do not feel any difference when
transferring funds to you, from transferring funds directly to scammers? At the same
time, I am still obliged to pay for your services, which you undertake to perform, but in
every possible way avoid this.
I want to note that the bank is a party to the essential transaction because money came
from my account in your bank and banks should have knowledge of the persons to
whom I submit money which is a standard KYC procedure for any bank.
I state that you didnt take reasonable care regarding my transaction. It is clear that
your Bank is supposed to provide security procedures regarding its clients accounts. But
I didnt notice any protection from your side, I didnt receive any calls from you, you
didnt block my transactions and didnt question any of them. In my point of view a
transaction to crypto exchange while it is not a part of my usual pattern of purchases
definitely fits the description of a suspicious transaction.
In this case, I am the customer, the transfers were made due to fraud and have been
coerced by trickery. I couldn't have known in advance how this story would unfold for
me since I was using your service.
I have been a client of your bank for years and I always had the deepest trust in your
bank, but now I feel that you are just trying to avoid your responsibility. At first, I got
scammed by the fraudsters and now the bank where I trusted my funds is not willing to
help me in this situation. I rely on your fair consideration of information provided in
this letter.
I want to stay with your client for longer and keep receiving your services but for this
you have to show maturity and act to resolve this issue without taking the initiative to
go to your regulator complaining about your failure in the protection of
your clients.
Looking forward to hearing from you a positive response.
Regards,
XXXX of XXXX XXXX XXXX XXXX XXXX
Email: XXXX
Again, I was told no. So I sent a claim to DOJ early in XXXX and have heard nothing yet from them.
|
| 11/06/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
On XX/XX/XXXX, Ally Auto initiated an unauthorized ACH transfer against my personal checking account that I had been assured and reassured would not take place. I have multiple forms of written communication from Ally as well as verbal confirmation from a supervisor that the payment was canceled on Ally 's end, and they attempted to draft the funds anyway. I have been attempting, for almost two months, to get to the bottom of what has happened and what is happening with my account. The representatives I've spoken with, through both phone and chat, have been telling me since XX/XX/XXXX I needed to wait for a call back as they refused to escalate me. I have yet to receive communication from Ally Auto regarding this unauthorized transaction, as well as a host of other issues.
Since the beginning of XXXX I've been given different amounts due at different times from different representatives. I've had representatives tell me to cancel and/or stop payment on payments I made, to have the next rep tell me that doing so caused issues with my account. One month, XXXX, I logged into my account and it was showing three different amounts due, and no one I spoke with could really figure it out.
I'll be attaching multiple documents. They'll include my monthly statements and a payment history for XXXX, the dates of both phone calls and chats, emails/texts I've received from Ally regarding this, as well as snippets from chat conversations to corroborate what I'm saying. I do have the full, original chat thread saved, beginning XX/XX/XXXX through today, available. There will also be an extension agreement that began XX/XX/XXXX.
When all of this began, I unfortunately didn't have the foresight to ensure that all conversations happened through chat where the conversation could be saved on my end, although a lot of the relevant information is available through those saved conversations. Each rep I've spoken with over the phone has refused to send me email confirmation of anything we spoke of at all, and assured me that 'there would be notes '. The next representative I would speak with would say there was either little or no notes about the prior conversation.
I've asked for an employee number or anything to link the conversation to a specific rep, and was told they don't have employee codes/numbers/identifiers.
I have asked to be escalated up through management through both chat and phone and have been denied over and over, and told to wait for a call back.
While there were two different arrangements set up, both a catch up plan and an extension plan, that documentation can not be located in my account through Ally 's website. Thankfully, I do have chat records available that show what was discussed, as well as the payment schedule for the catch up plan, as well as the letter they sent regarding one of the extensions. I'm not sure why the documentation involving both of those agreements, and any others, isn't available for view.
XX/XX/XXXX I entered a catch up plan with Ally, the terms being a payment of {$360.00} due on the XXXX of each month, XXXX, which would then bring my account current. I made the first payment that day, XX/XX/XXXX.
On XX/XX/XXXX, Ally initiated an ACH transaction for the amount of {$360.00}. I was unaware that the payment was going to be auto drafted- the payment schedule I received by email simply gives the date and amount due, there's no verbiage suggesting that the payments would be auto debited. On XX/XX/XXXX, I went into the site/app and scheduled a payment through my debit card for {$360.00}, then received emails from Ally confirming both payments. When I realized what had happened, on XX/XX/XXXX, I called Ally to explain what happened and ask what I should do so that both payments didn't clear.
The representative told me that the best thing for me to do was to call my bank, which is XXXX, and have them put a stop payment on the payment I scheduled through my card, the {$360.00}, and then the ACH transaction of {$360.00} would clear, and everything would be fine moving forward.
However, the rep failed to disclose or didn't know that by stopping one payment, it would stop both payments, and also cancel the catch up plan. I received an email and a text message from Ally on XX/XX/XXXX, telling me that the catch up plan had been canceled, which was the first I had heard of that.
I called Ally same day, XX/XX/XXXX, at XXXX XXXX est and spoke with a woman. While she was helpful there was a language barrier, and I was asking questions to try and understand why I had received notice saying the catch up plan had been canceled. The call went nowhere, so I immediately initiated a chat conversation, with the chat time beginning at XXXXXXXX XXXX.
The rep said that my total due was {$240.00}, which was {$120.00} from XXXX and {$110.00} in late charges. This was when I learned that doing a stop payment on one of the two XXXX payments also caused the other payment to reverse. I asked to re-start, and was told that my account was not eligible for a catch up plan. I explained to the rep that if I had been made aware that canceling a payment would have led to all of this I wouldn't have done it, and the rep simply apologized for the miscommunication. I expressed that I was struggling due to health issues, hence the catch up plan, and he then offered to create an extension.
It began as a one month extension, beginning XX/XX/XXXX, and involved me paying XXXX by XX/XX/XXXX, and then XXXX, my normal payment, would resume XX/XX/XXXX.
The rep then offered a two month extension. Beginning XX/XX/XXXX, 2 month extension. It required {$170.00} by XX/XX/XXXX, {$240.00} due by XX/XX/XXXX, and regular payments resuming on XX/XX/XXXX.
Regarding the initial {$170.00}, the rep said that I had 10 days from that date to make the payment, but then advised that I make the payment before the XXXX, so that the extension would be processed within the next due date. I told him the bill cycle date should be irrelevant, because the terms of the extension override the initial contract in this instance, and the rep said that while it wouldn't affect the payments or due dates of the extension, it would affect my credit.
The following day, XX/XX/XXXX, I had a chat conversation with a rep who confirmed the above, multiple times, that as long as a payment of {$170.00} was made by XX/XX/XXXX, my account would be current until XX/XX/XXXX. I brought up the payment of {$360.00} that had yet to leave my account. The rep recommended that I call my bank and put a stop alert on the payment. I repeatedly asked if that specific payment not clearing would affect the extension we were discussing, and the rep assured me that no, no matter what, the extension only required the payment of {$170.00} by XX/XX/XXXX to be current until XX/XX/XXXX.
On XX/XX/XXXX, through chat, I was told that {$290.00} was due on XX/XX/XXXX. The rep said that since the XX/XX/XXXX payment was reversed, there was now a payment due in XXXX, although the rep 4 days prior had said otherwise.
On XX/XX/XXXX, I logged into my account and it showed 3 different payment amounts due. There was a past due amount from XXXX I had never seen of XXXX. The rep I chatted with that day told me I owed {$290.00}, and the auto snapshot through Ally 's website said the total due was {$430.00}, all with the due date of XX/XX/XXXX. That rep informed me that since a payment from XXXX was canceled, the extension covered months XXXX and XXXX instead - a payment that Ally told me to cancel, and a payment I had already clarified would not affect any future amounts/due dates. I also called that day to attempt to speak to a supervisor and was not able to.
On XX/XX/XXXX, I called and spoke with a supervisor. During that conversation, the rep told me that if I paid {$350.00}, my account would then be current until XX/XX/XXXX when normal payments would resume. I made that payment on XX/XX/XXXX.
During that conversation, I saw in the payment section of my account that was still a payment scheduled for XX/XX/XXXX- which would have been the final payment of the catch up plan that had been canceled. I verbally confirmed with the rep many, many times that the payment would not be drafted by Ally. I told the rep that I had XXXX forms of written documentation from Ally, not to mention all of the verbal and chat confirmation, that the catch up plan had been canceled and therefore the scheduled payment of {$360.00} on XX/XX/XXXX should not be scheduled. I repeatedly told him that if Ally drafted the funds from my account, it would be an unauthorized transaction, I did not authorize it, and I did not authorize it because it was for a plan that had been canceled by Ally. The rep verbally confirmed many times that the payment would be canceled before XX/XX/XXXX.
I confirmed again that at that time, my account was current, with no payment due until XX/XX/XXXX, so there should be no reason Ally would need/want that payment on XXXX anyway. The rep confirmed.
It was not canceled, and Ally initiated an ACH transaction on my checking account through XXXX on XX/XX/XXXX in the amount of {$360.00}.
I called Ally on XX/XX/XXXX and wanted to speak to someone high up enough that they could tell me how and why this payment was drafted, because it was unauthorized, and Ally had known very clearly that it was not authorized. I've been waiting since XX/XX/XXXX for that return call, because they would/could not escalate me to that level.
I called again on XX/XX/XXXX, was again told to wait for a call back. I did not receive it.
I chatted on XX/XX/XXXX and asked to be routed to XXXX resolutions. I was told they would call me within XXXX business days. I have not received a call.
I chatted on XX/XX/XXXX and was told the 'concern team ' would reach out within XXXX hours. That rep also told me that the ONLY call back request in my account was from XX/XX/XXXX, meaning all of the prior representatives were not notating my account that I was requesting a call back. I asked to be escalated, I was denied and told to wait for a call from the concern team.
I called XX/XX/XXXX and was told for the first time that the settings in my account were such that Ally was unable to leave me voicemails or send text messages. I told the rep that I did not want the settings in such a way, she asked for authorization to change the setting, and I gave it. This rep told me that someone had called once on XX/XX/XXXX and as they weren't able to leave a message, they never tried again. Even if you can't leave a voicemail, there is a secure messaging service through Ally 's website they easily could have used.
I also let the rep know that I'm not, not making payments for no reason- at this point I'm so confused about what's owed, when, how much, and from what time frame that I want and need clarification on what exactly has happened in my account. This rep informed me that my account is currently in collections.
I asked to be escalated and the rep told me no supervisor was available, I needed to wait for a call back.
This rep verbally confirmed that I would receive a call back by end of day, today, XX/XX/XXXX. As I'm typing this it's currently XXXXXXXX XXXX EST - I have not received a call, and I answered every one that came through, regardless of whether or not the area code was familiar.
I've also had issues hammering out late fees. I've accrued late fees throughout this process, and I don't feel I should be responsible for any late fees/additional interest/etc due for the confusion done on Ally 's part - particularly when I was following the advice of an Ally representative regarding things like canceling or reversing payments.
I've requested an audit of my account for the above purpose. I have been attempting to contact someone at Ally for months to get everything straightened out, and I'm repeatedly denied an escalation to a supervisor while being told I'll receive a call. As of right now, XX/XX/XXXX at XXXXXXXX XXXX est, I have not received that call, a text, an email, a secure message through the company 's website, nothing.
I appreciate the time you're taking to look into this. At this point, I no longer trust Ally to deal with me fairly or accurately.
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| 10/29/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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I was excited to purchase my first home, a newly constructed townhome, and selected Ally to be my LendeXXXX. However, finalizing and closing on this conventional mortgage was an outrageously horrible experience over the past few weeks that brought me economic, mental, and physical harm. To summarize my hardships and complaints with how my loan was handled : I was denied the right to view the revised HMDA closing disclosure 1 business day prior to closing ; The Ally loan team engaged in deceptive advertising and communication ; I was subject to Allys negligent oversight of third-party appraisers ; and, My Ally loan team was incompetent in executing, and grossly negligent in oversight of internal service level obligations in place to ensure loans close in time. As a result, I bore the physical, mental, and economic harm.
I travel extensively for work, so to conduct a timely and successful move, I modified my work and personal obligations to permit me to be local and available during the time period surrounding my scheduled closing date ( XX/XX/XXXX ). I scheduled movers, deliveries, technicians, etc. to coincide with this time frame. Any delays or altercations to these scheduled activities would likely result a negative domino effect and jeopardize my move.
In an effort to reduce delays for my closing, I spent an estimated 15 hours to proactively engage the lending team, follow up, request escalations, and effectively project manage the tasks required to finalize closing. Had I not done so, I am confident that the loan would have suffered additional unnecessary delays. Moreover, what is concerning and aggravating is that the delays detailed below show that these pain-points should have been easily avoidable, as enough information was readily available to the team prior to the last hours of closing. For example, the team had all the information to resolve the condo/townhome issue, at least by XX/XX/XXXX, if not much earlier, yet the team requested I reschedule my closing ( and thereby everything else ) to accommodate the operational failures to obtain a proper appraisal. Further, the accounting errors in the closing disclosures were with respect to specific line items that I emailed the team about on XX/XX/XXXX, and provided evidence for on XX/XX/XXXX. Why these items took multiple This complaint is not meant to be a comprehensive inventory of harm experienced but I can say that this experience resulted in the economic loss of 1 days use of my new home and damaged my well-being by subjecting me to undue stress. This was such an awful experience I feel like I need to advocate to my coworkers, clients, friends, and family to never use a product or service from Ally to spare them the potential grief of the likes I experienced. I am writing this complaint with the hopes that internally, Ally can examine and correct their people / process / technology operating model so that other consumers are not subject to a similar experience.
Detailed Timeline of Relevant Events : XX/XX/XXXX XX/XX/XXXX : I provide all requested documentation in a timely manner, at times providing documentation within the hour, or within the day.
XXXX XXXX Speaking with the loan officer ( XXXX ), I am told that loans close typically close in 25 days, and as early as 21 days if the consumer is responsive in providing all necessary documentation ( as evidenced by my timeline, this time-to-close estimate does not even seem remotely plausible ). Based on this information and the Loan officers responsiveness to my inquiries and documentation, I chose Ally to be my lender. I request a rate lock, intent to move forward, provide credit card information for the required Lenders appraisal, etc.
I provide the scheduled closing date of XX/XX/XXXX.
XXXX XXXX Appraisal completed ( XXXX ) and report submitted ( XXXX ).
XX/XX/XXXX XXXX emails me and is confused because the property is a townhome, yet the XXXX and title agency curiously classified it as a condo. All documentation and communication provided by me and my realtor has consistently described the home as a townhome. Request is made for me or my realtor to contact the HOA and help us verify what is needed. We connect the HOA with XXXX to sort out any of this confusion.
I also request that the Loan Estimate be updated to reflect all 3 of the payments Ive made on the property, as a payment of {$8200.00} had not been accounted for. XXXX confirms this will be properly updated this afternoon.
XX/XX/XXXX My agent provides the recorded plat for additional confirmation of townhome status. XXXX replies in that he is coordinating with the appraiser to see if they can have the report amended.
XX/XX/XXXX XXXX communicates to me that Ally had cleared the condo/townhouse issue up on our end. I provide proof of home owners insurance ( HOI ) payment.
XX/XX/XXXX XXXX requests HOA to provide Ally with a statement of the monthly dues, which was provided by the HOA within 40 minutes.
XX/XX/XXXX ( 3 business days prior to scheduled close ) XXXX - Without hearing anything from Ally, I proactively reached out to confirm that everything was still on track.
XXXX - XXXX responded that the appraisal requires revision to more formally not [ e ] the change from a condo to a townhouse, and requests postponing of my close my at minimum two additional days to XX/XX/XXXX.
I call the XXXX for more information and was informed that ( a ) despite knowledge that the appraisal was completed on XX/XX/XXXX listing my home as a condo, and the confusion this caused the week prior, the request to revise the appraisal was not made to the appraisal management company until Monday, XX/XX/XXXX ; ( b ) Ally requires the revised appraisal to issue the initial closing disclosure ; ( XXXX ) Ally did not expect to receive the revised appraisal before business close on Thursday ; and ( d ) To comply with regulations, closing can not occur until XXXX business days after the initial closing disclosure is issued and acknowledged by me.
Understanding that time was of the essence, I requested to escalate my discussion to a supervisor ( XXXX ). After communicating my concerns with how the process had been managed and was being executed, XXXX communicated that an underwriting exception was granted to allow the initial disclosure to be issued in advance of receipt of the revised appraisal. XXXX stated that the team would call me tomorrow morning to review the remaining steps. I reviewed and acknowledged the initial disclosure, and went to bed thinking that we were back on track.
XX/XX/XXXX ( 2 business days prior to scheduled close ) Friday morning - No contact made from Ally team to review remaining steps.
XXXX I email the closing expert ( XXXX ) to further confirm if everything was going on track, including the revised appraisal.
XXXX - I email XXXX XXXX to communicate errors that were made when preparing the initial closing disclosure. The initial closing disclosure did not give me credit for the pre-paid home owners insurance ( which was provided on XX/XX/XXXX ) and also incorrectly counted the payments that I had made to the home ( which I had previously notified the team on XX/XX/XXXX ).
XXXX - XXXX responds confirming that closing disclosure will be updated to reflect the correct amounts.
XXXX I follow up to see if they have made the updates to the revised appraisal.
XXXX - My realtor follows up because the closing attorney still had not received the revised closing disclosure or loan package. At this point, Ally has missed the previously communicated deadline to provide all documents by XXXX the business day prior to closing. I now have to postpone my closing. Luckily the closing attorneys had a XXXX slot, however, due to the late time, they will not be able to record the same day, delaying my effective ownership of the property by at least 1 day.
XXXX I receive an email from XXXX XXXX the closing disclosure has been updated and sent to the attorney. I log on the Ally portal and see a document titled as a closing disclosure, but upon viewing the document, it was actually the loan package, and not the closing disclosure. I make calls to Ally to get the revised closing disclosure, and am informed that the closing team is still working on it ( thereby making me seriously wonder what XXXX sent to the closing attorney ). The closing team tells me they will provide the revised closing disclosure that evening before business close.
Later that evening, I receive notification that the disclosure has been updated. Upon review of the disclosure, I am disheartened to see that it still contains errors, namely the same two errors I notified the team with earlier ( HOI was marked as to be paid at closing incorrect accounting of payments already made ).
XXXX - I reach out to the closing team and their supervisors to re communicate the errors on the closing disclosures and request that, given the difficulties already experienced, the team does not wait until Monday to resolve the closing disclosure. My revised closing time at XX/XX/XXXX XXXX requires all documentation to be received by XXXX the same day. I reiterated that I would be fully available during the weekend to finalize.
XX/XX/XXXX ( 1 business day prior to scheduled close ) I follow up via email with the team to plead for assistance in resolving the closing disclosure before Monday morning. I make phone calls and come into contact with XXXX, who after I explain the events of the loan, along with my concerns with completing the transaction on time, was able to contact members of the closing team. XXXX was able to confirm that all documentation would be completed and provided to the closing attorney by XXXX on XXXX XX/XX/XXXX, and that I should be able to complete closing at the scheduled ( XXXX ) time on XXXX.
XX/XX/XXXX XXXX - XXXX emails me confirming that he has made the necessary changes to the closing disclosure. Because the closing disclosure had not been completed by Saturday, I forced with the decision of ( a ) postpone my closing ( and incur economic penalties, among others ) to afford myself the right to review the revised closing disclosure 1 business day prior to close or ( b ) forfeit my right to review the revised closing disclosure 1 business day prior to close and close on time, thereby not incurring economic penalties and other hardships. I chose the latter.
XX/XX/XXXX XXXX - XXXX emails me to confirm that the appraisal revisions have been completed.
XXXX XXXX - I sign all documentation at my scheduled closing. Due to the delayed closing time, the documents were not able to be recorded ( county offices close at XXXX ), and I am unable to use my new home.
XXXX - I receive email confirmation from XXXX that Ally had received the signed loan documents, and notification at XXXX that the loan was funded.
XX/XX/XXXX XXXX - We asked the closing attorneys to notify us once the loan is recorded so that I can officially get the keys and use my new home.
XXXX - the closing attorneys notify us that they were waiting on permission to record from the lender. I think the underwriter needed to recheck something on the appraisal. After hearing this, I call the closing team and am told that they should have the loan finalized by end of day. I communicate that this is unacceptable and that the loan still needs to be recorded, so a end of day XXXX means the loan could not be recorded until the following ( XX/XX/XXXX ) morning, further delaying effective use of my home, and request this be expedited to allow for time to record same day.
XXXX - I receive notification by the attorneys that they had recorded the loan. XXXX ( hopefully ) ends the fiasco to close a conventional loan.
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| 07/07/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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I have been talking to people at Ally Financial, the Notice of Intent to Sell Vehicle letter came from Ally Bank, and there is a note at the bottom of that same letter stating that the account is being serviced by Ally Servicing LLC. This complaint is directed to all three plus any and all related Ally companies.
On Sunday, XX/XX/XXXX, my XXXX XXXX was stolen from an XXXX XXXX parking lot while I was inside having lunch with my sister. ( Copy of the police report Available upon request ). On Monday XX/XX/XXXX, I called Ally Financial and informed them of the theft. I asked if I could get an idea of what the payoff was so I could share that information with my insurance company. The lady on the phone said she would pass me on to the payoff department. That message said it was at least a 45-minute wait so I hung up at that point, but did leave all the theft information with the lady I spoke with prior to the phone call transfer. On XX/XX/XXXX I got a voice mail from the XXXX XXXX police department that my truck had been recovered by the Texas XXXX border and towed to XXXX Texas. It was being held at the XXXX XXXX XXXX XXXX. ( Transcription of the message Available upon request ). I shared that message with my adjuster at XXXX XXXX ( a XXXX XXXX ) and he sent a photo appraiser to the yard for an initial assessment. On XX/XX/XXXX, the photo appraiser sent me a few photos of the vehicle and my adjuster determined that the vehicle was repairable.
I submitted the paperwork needed to get the truck out of the XXXXXXXX XXXX XXXX and arrangements were made to have the truck towed to XXXX XXXX on XXXX XXXX XXXX in XXXX XXXX. We tried to set up an appointment for Friday the XXXX, but when I called XXXX XXXX, I was told the only lady who could release the truck would not be available that day. I shared that information with my insurance rep and the date of pick up was moved to the following week for Tuesday XX/XX/XXXX.
I flew out to XXXX XXXX XXXX on Wednesday, XX/XX/XXXX for my sons National Volleyball Tournament thinking the truck was already in XXXX XXXX. On Thursday morning, XX/XX/XXXX I got a call from a lady with Ally Financial informing me that they picked up the truck for safety reasons since my insurance had not picked up the truck within a 10 day window. I was not aware of a 10 day window deadline, however, she assured me at least twice that it was not a repossession. All my payments are up to date. I have never been late, I paid the tax bill Ally sent me, and Ally was aware that my insurance and I were working on retrieving the vehicle. ( Payment history Available upon request ) There was no reason I could see for them to pick up the truck so I was a little apprehensive. I asked the lady on the phone where the truck was and she said she did not have that information, but she would transfer me to the Redemption department who could assist me further. This is where the treatment took a very ugly turn. The gentleman handling my case, XXXX XXXX, told me that this was in fact a repossession case. I got very upset and began to tell him that there was no way this was a repossession since I am current with all my financial obligations, I told him they had no business picking up the truck and that arrangements had already been made to get the truck to the shop for repairs, but rather than check my payment history, he took it upon himself to tell me to stop talking over him and kept that condescending tone throughout the call. He told me that I was in default on my lease, but when I asked him how he came to that conclusion, he would not give me an answer. He said I had to read my lease to determine that myself. Of course, I told him that was unacceptable and asked for clarification. He told me to call the lease department and they might be able to help me further but that they would likely route me back to him which I thought was odd, but it turned out to be exactly what happened. I called the lease department and spoke to a gentleman named XXXX. This person took the time to check my payment history and told me he was not sure why the tuck was picked up, but he couldnt help me because he only handles lease extensions and routed me back to the Redemption department. Then XXXX told me to call the Total Loss department, so I did that too. XXXX from that department told me my truck was in repossession and that the only people that could help me were in Redemption so I got routed back to XXXX again. This time he told me to call the Contract Lease department and ask for a manager, so I did. I called and spoke to XXXX and was again told that only the Redemption department could help me, but a message would be left for a manager to call me back the next day. By this time offices were about to close. I had missed most of my sons volleyball tournament and my XXXX XXXX XXXX XXXX XXXX, so its probably a good thing the antics stopped for the day.
The next morning, XXXX XXXX Friday the XX/XX/XXXX, I got a call from XXXX, a manager with the Contract Leasing department. She was the first person to actually help me. She investigated my account, my payment history, and was also confused about why the truck was in repossession. She kept me on the phone while she sent a private message to XXXX, a manager with the Redemption department. She told me my truck was confiscated by the police. She said a truck being confiscated is different that repossession but admitted this was not her area of expertise. She asked XXXX to please call me with further information. I thanked her for efforts and concern, and we hung up.
At XXXX, XXXX with the Redemption department called me to inform me that my truck was confiscated and not in repossession, but that I was still considered to be in default on my lease. When I asked him how I could be considered in default, he simply could not tell me. He told me I would get a letter explaining everything in 3 to 5 days. I asked him if I could get that letter emailed and the antics started up again. He asked me to call a different department to see if they could email it to me. I was not about to play this game anymore, so I called the county Sheriff myself. The county did confiscate the truck, but then released it to Ally since they were the lien holder. I asked if I was somehow part of the investigation and was told no. The criminal who stole the truck was in jail and I was not even mentioned in the case. The criminal who stole my truck is in custody. Hes a XXXX kid from XXXX who was caught XXXX XXXX XXXX XXXX. He ran from the police and wrecked the truck. Deputy Sheriff of XXXX XXXX emailed me a copy of the paperwork ( Available upon request ). I was informed that Ally had contracted XXXX XXXX XXXX XXXX to pick up the truck.
With this information I called the Redemption department again on Monday XX/XX/XXXX at XXXX and spoke to XXXX XXXX He told me he was forwarding my case to the Escalation department. XXXX with the Escalation department took my call. She could not tell me why my lease was in default either but did tell me that I could call XXXX XXXX XXXX XXXX to get my personal items out of the truck and that the truck was scheduled to be auctioned on XX/XX/XXXX at the XXXX XXXX XXXX house in XXXX XXXX. She told me to make sure to call the Ally insurance department to add my insurance adjuster as someone they could speak to regarding my truck. She told me my insurance and I would be allowed to look over the truck once it arrives in XXXX XXXX, but no sooner. She then forwarded me to the insurance department where I spoke to XXXX. I added my adjuster and his supervisors names to the case as authorized to speak to them in regard to the truck. XXXX was not able to tell me why I was considered in default either.
I relayed all this information to my insurance company and attorney. My insurance company asked me to call XXXX XXXX and ask them if I could get a cost associated with towing and storage so I could get my truck out and back to XXXX XXXX. My insurance adjuster was hoping that Ally was simply confused and that maybe we could just get the truck out and start repair work, but that was not the case. When I called XXXX XXXXXXXX, they told me that they could not release the truck to me at all. That their contract with Ally states that when a vehicle is used for human and substance smuggling a lessee can not get the vehicle back. The man on the phone empathized with me but told me all I could do was get my belongings. I explained what was happening and all he said was that he realizes its frustrating, but that I would have to get with Ally and get permission directly from them to release my truck.
On Wednesday XX/XX/XXXX, I received the letter Ally said would explain how I was considered in default and what my next step should be. The letter does not explain how I am in default. It simply states Under the terms of your lease agreement, we have terminated your lease because you are in default No explanation. It then tells me the vehicle will be sold at a private sale. ( Copy of the Letter Available upon request ). I copy of this letter was sent addressed to my company and to me personally. Ally wants me to pay over {$45000.00} to get my truck back.
In the meantime, I can not run my business as efficiently as before. My rental allowance does not cover another heavy-duty vehicle and I have trailers that I need to tow. I have wasted hours of my time on hold with Ally and been treated with disrespect and bad faith. I truly feel victimized twice in this situation. It is my belief that Ally orchestrated this to keep from having to get a diminished value vehicle at the end of the lease. I have held up my end of the lease, but with these antics they are pushing all the burden on me. Ive tried to do the right thing here. Ally has stood in the way and I feel may even punish me for something I had no control over. They can not be allowed to treat people this way.
Here are the questions I would like answers from Ally on : 1. What prompted Ally to pick up the truck from the XXXX XXXX impound yard in the first place? I had informed them of the theft and even gave them my insurance information. They knew we were working on it.
2. How am I in default of my lease? Default is an ominous word. I am very particular about my credit and do not want to see it diminished.
3. Will this somehow reflect negatively on my credit report?
4. Why am I not allowed to access the truck and begin repair work?
5. How is my insurance supposed to help me resolve this if we are not given access to the vehicle?
6. The letter sent by Ally states If you have insurance or a service contract as part of your contract, we will cancel it. My GAP insurance was rolled into the loan. If Ally cancels it, how are they supposed to help me cover any shortages from the sale, again placing all the burden on me?
7. If the XXXX XXXX Sheriffs office claims that the case on their end is closed, how can Ally keep me from accessing the truck by claiming it has been confiscated? This makes it sound as if the investigation is ongoing when its not.
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| 12/28/2023 |
Yes |
- Checking or savings account
- Savings account
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- Closing an account
- Funds not received from closed account
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Web |
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To Whom It May Concern at Ally Bank : I am writing to ask you to please help me locate the funds that have been isolated from my closed acct. Through various phone calls I have finally ascertained that the IRS check was returned to the IRS ( so I know I can get that reissued ). However, the location of the money from the XXXX transfer that was made in the amount for the amount of {$5000.00} is still unknown/missing.
Background : I invested in a HYSA at Ally because I am trying to diversify the types of accounts I have and I had heard great things about the buckets features. However, I am also an XXXX that spends most of the year outside of the US. I maintain a US mailing address, file taxes in the US m spend time in the US each year and have other US based bank accts and services so I did not consider that adding another one would be such an issue. I did not realize that accessing the acct outside of the US would be so complicated, thus I had to ensure the help of my father to help me log in. I was not aware of the nuance between joint account holders and giving login permission.
To make matters even more complicated, I live in XXXX, XXXX. In order to access XXXX websites I use a VPN ( all the XXXX do, it is extremely common ). They are even built into many businesses Wifi networks here ( mine included ). To make calls outside of the country I use a service that can connect me using a XXXX phone number. After doing more belated research I came to realize your website does not work outside of the US at all, but it is even more complicated to access here in XXXX. I was eager to fund the account and chalked up my login issues to being XXXX specific ( not outside of the US specific ) and I had a friend transfer me money from her US acct. I also received my IRS tax return and also wanted that deposited.
It is my belief that although this was performed in good faith, these actions triggered your banks fraud alerts. I understand that you are trying to protect your customers from fraud but after searching forums I can see many honest customers in the same/ similar predicaments to me. Locked out of their accts with no access to their money for weeks/months. You can imagine how frustrating this is and what a difficult problem it is to solve after working so hard to save those funds.
This was my mistake and I understand it breaks your terms of service. I understand if I can no longer be a customer at your bank however, I have absolutely no idea where/when I will receive the funds that have been isolated from my account.
Can you please tell the process I need to go to through to do so? Calling thus far was mostly a fruitless endeavor while I was abroad because I can not call with my US mobile number that is linked to my acct ( Despite answering all the security questions ). I did try to call using call connection services like XXXX XXXX ( see attached screenshots ) and was able to speak to a few representatives before they completely stopped talking to me on the phone during the investigation process. No one from the customer service line will give me any information. There is no XXXX XXXX XXXX location I can go to prove my identity. I did not want to mail a letter containing sensitive information to a po box I was never told the steps I needed or should take.
From my perspective here is the history of my relationship with your bank : XXXX XXXX XXXX XXXX with Ally Bank is opened ( no minimum is required and I planned to fund it asap ) I discover that I have some issues getting on the website. I am no stranger to this living in XXXX, so I make a mental note to try it later. I get caught up in the busy-ness of my day to day life and forget to do so.
XX/XX/XXXX : I get email alerts telling me my new account will close soon.
* When I call to inquire about this a few days later the rep tells me that its too late to try to fund this one with a transfer, but she assures me there is no penalty for letting this acct close. She tells me to just call again and they will re-open another acct in my name ( diff number ).
I realized that my phone has space for XXXX sim cards- I wanted to see if my US sim would work at all to allow me to login to this website and see my account. It did work briefly, which allowed me to change the telephone banking pin. However, this did not last and the XXXX XXXX XXXX my US number is not accessible here anymore. I dont know why it had a weird fluke where it worked.
On XX/XX/XXXX The bank sends me a reference and alerts about impending closing XXXX I was able to change some aspect of my login over the phone with a rep. Thus, I got an email saying that login information has changed.
I WANT TO PREFACE THAT EACH TIME I spoke to reps I was always transparent and said where I was. I even expressed misgivings about the phone number saying I am not sure if it will work here but she assured me I could change it later.
I follow the previous representatives advice and let the acct close with a plan to re-open and fund the new acct right away to avoid these issues.
XX/XX/XXXX : The initial acct is closed.
Now, because I had such issues the first time with funding the acct in time I did not want to have the same issue with the new acct.
XXXX opened a new acct ( over the phone ). The profile is the same but under my acct info XXXX accts show. XXXX is shown as inactive and the newer XXXX is active.
XX/XX/XXXX Ally bank sends me reminders to fund the account XX/XX/XXXX Ally receives my IRS return check deposit. I add my dads phone number so he can help me deposit my return. I did not realize the specificity of adding a joint account holder to do so. The check is in my name and signed by me, but I simply cant get on the website so I enlist his help. I was not intentionally breaking terms. I really didnt realize.
XX/XX/XXXX {$1800.00} IRS return check posts XX/XX/XXXX From Ally : We restricted your accounts because we detected suspicious activity on XXXX
You may not be able to log in or transfer money out of your accounts.
Again, because I had planned to fund this account MONTHS ago and was getting anxious for it to accrue interest. I wanted to transfer a good amount right away. My friend XXXX XXXX ( initials to protect anonymity in this posting as instructed by the bureau ) had owed me money for quite some time, so when she asked me where I wanted to get it sent I had her send it to Ally instead of my longtime, normal XXXX acct.
I thought it was a great opportunity to fund the acct more comfortably till I could get to the US and do so myself. I also had her call her bank and inquire. I thought when the acct was drained that the funds were returned to their origin. She has not received a return of the funds but her bank did provide a trace number to show the transfer went through.
I only discovered that her XXXX transfer also posted on XX/XX/XXXX when I received my paper statement in the mail that was received XXXX ( but not seen by me until my parents sent me a photo weeks later because I was not in the US at the time ) XXXX I finally manage to call the bank ( Again in a different time zone, have to get connected to US numbers through a service ) I spoke with an agent named XXXX and answered all her security questions. he did say that if the account was closed a check would be mailed to the address on file. She continued to question me and I explained what happened with the login with my dad. She then informed me that the bank believes fraud was committed by my own admission of this login and an investigation would begin immediately and it would be concluded within a week. She would not give me further information over the phone.
XX/XX/XXXX The statement shows there was a withdrawl on this date debiting my acct- {$6800.00} ( all of the money in the acct ) The acct is now at XXXX.
XXXX statement date ( did not receive or see this document till weeks later ) -- stopped trying to solve this issue until I knew I would be back in the US to be able to make actual progress.
XXXX called Ally to inquire about where the funds are- spoke with XXXX -general customer service She was kind and friendly but was transferred around departments/ on hold for a long time before she finally was able to transfer me to a fraud prevention specialist XX/XX/XXXX transferred to- Fraud Prevention Account specialist XXXX I confirm with XXXX that my online login is fully suspended and there is no way to remedy this. Normally, the online login is where checks can re requested to be sent. My only options remaining for communication are phone or po box ( which isn't ideal for sensitive or time relevant information ).
She told me returned the IRS check to the IRS but that the whereabouts of the {$5000.00} XXXX transfer are not known. Told me she would escalate the problem and get in touch with the investigations specialists who closed the acct and that they would call me eventually.
I spent over an hour on the phone trying to solve this issue ( just with the bank directly ) but have had to call other departments and places ( IRS ) to try recoup funds that are rightfully mine.
Please understand that I was doing the best I can to solve this issue from abroad but it seems not likely or possible. I have to contend with the time zone differences, working a full time job and trying to tackle this perplexing problem in the limited free time I have. However, more so for most of this over XXXX month long process no one from your team will tell me what is going on or how I can go about verifying my identity to prove that those funds are attributed to me. After lots of internet research it seems that isolated in your banks terms means the customer service team can not help over the phone and it has been turned over to the fraud team. I understand these investigations can take up to XXXX days? It has been over that period now. There is no other information given or steps to take.
To make matters worse, I am now just back in the US for a limited time for the XXXX holiday. I can only receive calls about this on my US number until XXXX at XXXX XXXX. I will not be back in the US until the summer and I worry that somehow the time for action about this issue will have lapsed and the funds will be forsaken even though they are my funds and I am legally entitled to them.
PS. Because of the nature of this issue and because I will be abroad very soon for the next XXXX months to finish my working contract- Is there anybody I can empower ( limited power of attorney ) to act on this issue for me? Could such a form be emailed or sent to me?
I hope you can illuminate to me how to fix this problem. Thanks in advance.
|
| 03/15/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XX/XX/XXXX AFFIDAVIT OF TRUTH In The Matter Of : XXXX XXXX, a man / woman To : Ally Financial, a women/man : CERTIFIED MAIL Receipt # This is a formal notice to agent is notice to principal. Notice to principal is notice to agent ; nunc pro tunc.
Dear Ally Financial, a woman/man, Notice, it is a Fact, that, I, agent for principal XXXX XXXX and affiant, I am a federally protected consumer, holder in due course, attorney in fact, for any and all derivatives thereof for the surname/given name and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will autograph for my given name, XXXX XXXX and as the agent and administrator in fact.
Notice, it is a fact, affiant has reason to believe and do so believes, Ally Financial is a financial institution as defined under 15 U.S. Code 6827 ( 4 ) ( B ).
Notice, it is fact, unless Ally Financial can provide a policy or state law which shows that the aforementioned policy or state law supersedes federal law, I hereby invoke the law of presumption and invoke federal law in to address the subject matter in the affidavit herein.
You, a woman/man, have engaged in multiple violations against I, a woman, the affiant without right. I recently looked at my car contract and found many issues that are in direct violation of my consumer rights under 15 U.S. Code 1605 and 16 CFR 433.1d. I am a woman, the consumer and affiant in fact it is my understanding that I am going to tell the truth the whole truth in all matters here. Having so qualified my testimony I now take my affidavit and submit it into court record in full and state that everything in my Affidavit is the truth and the whole truth for the record. Made under penalty of perjury.
I, a woman, the consumer in fact has personal knowledge of, and asseverate the following : 1. Notice, it is a Fact, I, a woman, the consumer, and affiant know that The Fair Credit Reporting Act 15 USC 1681 was made by congress to ensure accuracy and fairness of credit reporting. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
2. Notice, it is a Fact, I, a woman, the consumer knows that on XX/XX/XXXX, I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX and XXXX. I know that 16 CFR 433.1d is a purchase money loan that is a cash advance which is received by a consumer in return for a finance charge within the meaning of the Truth in Lending Act and Regulation Z ( see exhibit C ). I was never disclosed about a purchase money loan let alone knowing that it was actually a cash advance that was due to me. The salesman never made me aware of this during the consummation of the contract. Another violation was the withholding or not being disclosed that I was signing this money over to the finance company Ally Financial. I was told that Ally Financial would be the one who was lending me the money when in fact that was false and a lie and a violation of my consumer rights. Under the Truth in Lending Act and Regulation Z, I was lied to by the creditor because I was really giving them my cash advance, I never knew about from my purchase money loan that was due to me and signing it over to the finance company. As a consumer, I legally have a right to know that my signature is being sold/transferred to another party and the process of the finance charge. The contract is a XXXX XXXX XXXX not a XXXX XXXX XXXX as stated on top which is another lie and violation. The contract was with XXXX XXXX XXXX XXXX and XXXX but somehow Ally Financial got involved without me knowing and being fully disclosed on how. How can the dealership transfer/sell my signature and the security interest in the vehicle to another party when the contract I have with them is not even binding because technically their signature is not even on contract because the dealership can not speak nor talk so how do they have any control over what happens to the contract ; they dont. I walked into the dealership to purchase a vehicle under a consumer credit transaction per law 15 USC1602 ( see exhibit D ) and I am the original creditor per law 15 USC 1692A ( 4 ) ( see exhibit E ) but was not made aware or fully disclosed that my signature and cash advance from the purchase money loan was being sold/given to another party which is Ally Financial. This is a violation of my rights which voids the entire contract altogether.
3. Notice, it is a Fact, I, a woman, the consumer and affiant also know that 15 U.S. Code 1605 is determination of finance charge which is defined as the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges. The finance charge does not include charges of a type of payable in a comparable cash transaction. If the finance charge supposed to be the sum of all charges and does not include charges comparable to cash, then why was I required and told by said dealership above and in question that I had to make a down payment in order to get the vehicle. I made a down payment of {$17000.00} cash but was not made aware or disclosed by the creditor XXXX XXXX XXXX XXXX and XXXX on XX/XX/XXXX, that I actually was not required to make said payment because its included in finance charge, but it is also illegal under 15 U.S. Code 1605. Definition of finance is to provide funding for something and in this case the funding was for a vehicle but how can I be given money for a vehicle but at the same time have to give cash in order to get the funding. This is the purpose of truth and lending to fully disclose what my finance charge is and everything that is included and said company above has violated my consumer rights by not doing so which caused me to suffer a financial hardship because the deposit for the vehicle was my savings and I did not want to put anything down towards the vehicle but again was advised by the creditor I had to. This is a violation of my rights which voids the entire contract altogether.
See exhibit A and B.
4. Notice, it is a Fact, I, a woman, the consumer, and affiant know that 15 U.S. Code 1605a explains what a finance charge includes. The finance charge should have all these included : service or carrying charge, Loan fee, finders fee, or similar charge. Fee for an investigation or credit report and Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss. XXXX XXXX XXXX XXXX and XXXX a woman/man, have engaged in violations under this law because I was charged multiple fees such as inspection fee of {$21.00}, sales tax of {$2300.00}, document fee of {$75.00}, a service contract fee of {$2400.00}, and also for GAP insurance. On the contract it shows these charges as an itemization of amount financed separately from the finance charge, but I shouldnt because thats more money you are adding on to the finance charge from what you already said I was paying under the finance charge at top of the contract. Insurance is supposed to be included in the finance charge to protect the consumer against any defaults on the vehicle, so the creditor was already paid ahead of time in the case of the vehicle purchased defaulted. Since the vehicle was a total loss back in XX/XX/XXXX, the creditor advised me I owed them money to pay off rest of loan even though they already got paid so I had to include my own insurance company to pay the creditor again through my policy and the GAP insurance that was already included. The creditor already received their money for the defaulted vehicle but got another payment from my insurance company which caused my insurance to rise since they had to payout, this is double-dipping and fraud. Again, this is another violation of my rights under 15 U.S. Code 1605 that caused me financial hardship because I had to include more money out of my pocket for these fees which raised my car note even more monthly. This goes against my consumer rights that you have violated.
5. Notice, it is a Fact, I, a woman, the consumer, and affiant know that 15 U.S. Code 1605 b and 15 U.S. Code 1605c states charges or premiums for credit life, accident, or health insurance written in connection with any consumer credit transaction shall be included in the finance charges. During the consummation of the contract, I was asked did I have insurance but never stated that my insurance premium was supposed to be included in the finance charge so was supposed to be covered. I did not receive a statement or disclosure from the creditor stating that I was entitled to have my premium included in finance charge, therefore they withheld this information and lied to me throughout this transaction which is fraud.
I, a woman ... : woman, am not an expert in the law, however I do know right from wrong. If there is any man or woman damaged by any statements herein, if they inform me by facts, I will sincerely make every effort to amend my ways. I hereby and herein reserve the right to amend and make amendment to this document as necessary in order that the truth may be ascertained, and proceedings justly determined.
If the parties given notice by means of this document have information that would controvert and overcome this Affidavit of Truth, please advise me In written affidavit form within ten [ 10 ] days from receipt. Provide me with your counter-affidavit, proving with particularity by stating all requisite actual evidentiary fact and all requisite actual law, and not merely the ultimate facts or conclusions of law, proving that this Affidavit of Truth is substantially and materially false sufficiently, to change materially my Status and factual declarations. Your silence stands as consent to, and tacit agreement of, the Claim and factual declarations made herein being established as matters of fact and matters of law. I demand refund of my down payment/cash and my purchase money loan that was supposed to be given to me upfront as a cash advance with the contingency that a proof of claim can not be brought forth by XXXX XXXX XXXX XXXX and XXXX without the requested information.
I swear to all information provided herein, I do so under the penalty of perjury that the information I so affirm to be true, correct, accurate to the best of my ability and knowledge, so be it
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| 03/08/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem related to refinancing
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Web |
Servicemember |
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On XX/XX/XXXX, I purchased a used car, from XXXX XXXX at XXXX XXXX, VA, ( XXXX ), dealer. I liked the car, I was shopping for a car for 2 weeks already, I was ready to buy, and I liked the car. it was white with blonde leather XXXX. The Price was cut off, for XXXX XXXX XXXX XXXX XXXXSo I received a discount from the seller. He told me, ( XXXX XXXX 's Seller which name I will not mention but I will if you ask me he was nice ), - thaT I am very lucky -because price of the car went down during Veterans Day sales for almost {$2000.00}. I liked this car very much and I was ready to pay as much as I could - because I received a settlement for TOTAL LOSS of my previous Car in XX/XX/XXXX.
It was XXXX XXXX not new, but popular color- for hot and humid summer. I like it very much.
Seller of the XXXX XXXX Dealer, at XXXX XXXX, ( XXXX XXXX XXXX ), he brought me to Financial Department to XXXX XXXX.
And here I made mistakes.
I started my search for a car at XXXX XXXX, when I arrived to XXXX XXXX XXXX, XXXX, It was hot and humid and I was tired and dyhydrated in the afternoon already.
I am XXXX American Naturalzied Citizen and XXXX American Veteran 100 % of Global War on Terrorism with injury in XXXX XXXX.
I became tired and when we started to do my loan, XXXX XXXX the Financial director told me that I have a VERY VERY BAD SCORE.
but he will help me.
He said that ALLY FINANCIAL ( www.ALLY.com ) took me, also I had a very bad score.
I was tired, to ask what was the APR?
And XXXX did not mentioned it. -- What happened next was -- he asked me to sign here, and here and here.
I was very happy that he helped me to get a LOAN, and I was intimidated to ask any questions, because I wanted to get my car, finally after TOTAL LOSS in XX/XX/XXXX, and move on.
But he did not explain to me in details what was I signing.
In addition to the LOAN on CAR, what I bough, and Seller told me that I got a very good deal because of the XXXX XXXX SALES!!! -- and I am a Veteran - also I did not tell this, I forgot. I was tired and sick -- so I got a good price on CAR.
but XXXX XXXX started to add -- XXXX XXXX service to keep my car sparkling beautiful {$990.00}. to loan XXXX Work Group Maintenance Plan {$990.00} to change OIL and rotate tires... but he XXXX told me that it is an EXCELLENT PLAN! -- I was so confused because people were coming and going from his office and he mentioned my name and they asked where I am from and I did not understand everything what I was signing.
Then the EXTENDED Warranty -- what is needed yes I need this.
And thus the LOAN was created in amount of {$28000.00} about this price.
First I looked and I thought -- I just got my settlement -- i can pay more than {$1000.00} down payment.
But Financial Office, XXXX XXXX, he said that it is not needed.
XXXX XXXX told me -- that " You pay your AUTO LOAN BILLS, and come back in XX/XX/XXXX. We shall Refinance your loan. '' " YOUR SCORE, he said, is very very bad, XXXX XXXX. But ALLY bank helped you and you received a GOOD LOAN for everything! '' I was intimidated to ask and he was very nice and smiling and I was sick and tired it was already afternoon, I was thirsty and tired and hungry and I am XXXX Naturalized American Veteran woman Injured 100 % and I got sick and tired.
I was afraid to ask questions to question if It is a GOOD Loan or NOT good loan.
I never ask for APR. Because he never mentioned it to me... and I forgot I was tired.
If I knew that I am getting a SHARK LOAN 13.22 % APR, on almost {$30.00} XXXX -- I would not do this.
I could find a XXXX XXXX XXXX or XXXX.
But I was tired to look and I got in trouble.
I also was encouraged about how nice and sweet and pleasant XXXX was to me.
I felt compassion and I signed everything under condition verbal agreement between me and XXXX XXXX of Financial Department at XXXX XXXX at XXXX XXXX, VA that : " The Condition was that after paying to ALLY for Auto Loan in amount of {$590.00} for 6-8 month, I can return to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA, to refinance my Loan to a lower rate APR. Lower than -- - I did not ask him about APR -- I dont know why. I have XXXX and I am not as sharp as I used to be. I take medications and a lot daily.
Time went by.
In XXXX XXXX I contacted again, first time I think. XXXX at XXXX XXXX, I asked him to Refinance my Loan to a lower APR.
AT this time, i already knew that I made SHARK LOAN and now I must refinance it.
XXXX run my credit score.
My credit score was In XXXX XXXX, XXXX, about XXXX something... I think.
So it was improved.
not much -- but above XXXX.
But XXXX told me that ALLY Financial / ALLY.com -- auto loan, can not refinance me my loan.
I asked him " Why not ''? '' XXXX : " Your Credit is too low. '' I :? my credit was XXXX in XX/XX/XXXX, but ALLY gave me a loan for {$30.00} XXXX!
And you told me, it was a part of the deal to buy loan from ALLY, that you will be able to help me to refinance to a lower APR! '' XXXX : " Sorry, I can not. '' But he said " Come back in XX/XX/XXXX, or XX/XX/XXXX, and maybe we can do something about it. ".
I was depresed.
I cut the corners : I removed cancelled XXXX Maintenance Plan. on XXXX with XXXX XXXX XXXX of Financial Dept at XXXX XXXX XXXX XXXX XXXX
I cancelled XXXX which was also added to my Loan in XXXX when I made a loan.
But the APR is still high. And I tried to refinance my loan with Credit Union, and I was not successful. CU requires a very high score.
They denied.
XXXX -- denied.
Department of Veterans Affairs XXXX XXXX -- denied to refinance.
In desperation I contacted XXXX yesterday.
I spoke with Several agents.
The number to call is XXXX.
When you call this number, there will be options, to continue.
Option # 3 says : If you want to talk about XXXX Score related issues -- or questions, -- and I understood this, to my best understanding- it is about how to BOOST my Score with ALLY.com.
Maybe XXXX XXXX in Financial dept at XXXX XXXX he told me about this BOOST at ALLY and he did not explain to me anything- - just said -- that in 6 7 month the ALLY.com will BOOST my credit score.
And I will get my loan to refinance?
To my best understanding, I dialed XXXX, option 3.
I waited. I spoke with several people One of them was XXXX XXXX at XXXX PM.
And XXXX about XXXX min later. -- I also spoke with SUPERVISOR.
Neither of them could answer me, what option # 3 at the answering service for ALLY.com says about XXXX SCORE?
I was surprised.
shocked.
I asked the agents at ALLY.com -- " Are you sure, that you are financial institution and you are in finances? do you know what FICO Score is? Do you know what it is to BOOST a XXXX Score? '' The women-agents, who answered my phone, they did not understand what am I talking about. Like I was on XXXX...
I asked : " I want to know about XXXX score issues. Just as on Option 3, on your answering service. -XXXX Score Issues. '' Problem was : Women who answered me, -- they spoke broken English. More broken that I am. I am Naturalized American since XXXX, and XXXX XXXX veteran -but I still have accent. Yesterday, when I called to ALLY.com XXXX, option 3, XXXX SCORE issues, they did not understand what I am asking for. What XXXX Score issues?
WHat to BOOST? - I got very frustrated and I asked for supervisor. I spoke with XXXX and with another lady at XXXX, option 3 I asked to speak with Supervisor, to explain to me about BOOST at ALLY and XXXX SCORE ... issues XXXX, option 3. ) Supervisor # XXXX, told me that Maybe this XXXX, option 3. XXXX SCORE issues option, pertains to the ALLY BANK and not to ALLY Financial?
She said : we are only doing contracts here.
Money comes from the ALLY Bank.at XXXX.
Time was XXXX at XXXX XXXX XXXX.
She ( supervisor XXXX XXXX ( I dont know the name XXXX perhaps? ... ) transferred my call to ALLY Bank. I waited ... and waited ... and waited.. XXXX Answered XXXX Supervisor gave me a number to call to ALLY bank : XXXX in case we get disconnected. But XXXX answered.
XXXX is from ALLY bank, he said that " we are at ALLY bank, and do nothing with ALLY AUto loan financials. We dont boost any scores and do not do XXXX SCOREs.
XXXX said : call to your XXXX XXXX and ask for their help.
And XXXX XXXX told me that they only do CONTRACTS ( Supervisor # XXXX ).
I asked XXXX to please connect me to speak with Supervisor.
It was about XXXX XXXX of XXXX or so.
XXXX placed me on hold.
I waited.
He returned and asked : do I still want to wait? the Supervisor is very busy!
I said : I will wait.
I was in the car, XXXX, and my signal died. iin blind spot, and we got disconnected.
But I waited for more than XXXX min..yes or more.
After this unsuccessful fiasco conversation with ALLY, Auto loan people, ALLY BANK, to my best understanding, I got it -- they dont know what XXXX is. ALLY do not do BOOST. And it was all a LIE!
XXXX LIED to me when he prepared a Auto SHARK Loan for me with APR 13.22 % on XXXX XXXX lied that he will refinance to me, in 6-7 month but it was LIE. He did not mean it.
XXXX lied to me that if I will pay for my AUTO LOAN to ALLY .com -- the ALLY will BOOST my XXXX Score.
It was a LIE.
WHy?
It was only {$30000.00} for him for XXXX XXXX.
But APR13.22 % on almost {$30.00} XXXX - is killing zone.
I took this loan, purchased my loan only, because I knew I can and will refinance.
I was paying my Auto bills monthly faithfully since XX/XX/XXXX or XX/XX/XXXX -- and I was hoping to refinance in XXXX ( XXXX XX/XX/XXXX ).
But now I see that it was all a lie. And they got me. I am a sucker.
It hurts.
It also hurts, because XXXX XXXX at XXXX XXXX advertises it self as a friend of XXXX American Veterans, that the XXXX donated XXXX XXXX to XXXX, to carry XXXX Veterans from home to XXXX XXXX XXXX It was published in XXXX American veterans magazine. ( About XXXX XXXX, owner of the XXXX XXXX and how she met with Elected Officials, at the VETERANS AFFAIRS COMMITTEE and Donated XXXX XXXX XXXX to XXXX ) I will try again to contact and ALLY to help me to refinance, because my score is now more than XXXX according to a Dealer in XXXX VA, who wants to trade my car and assume my SHARK LOAN 13.22 %.
And I will try again to contact XXXX XXXX XXXX only now not the XXXX XXXX. but someone else who maybe will help me.
But I am very upset about what happened. And I think a lot about this. I tried everything.
Thank you for listening to me.
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| 04/25/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
Servicemember |
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I filed a complaint against Ally Financial on XX/XX/XXXX and here I am again, experiencing the same issues. The initial complaint on that date was in regards to struggling to make my monthly regular payments, requesting a loan modification due to the pandemic. It was during that time, I was well over 3 months behind. I attempted on multiple occasions, prior to getting behind in XXXX, I was struggling due to a severe financial hardship. The complaint number for that report is XXXX. In that complaint, I had specific dates, times, and names of every representative I spoke with. Each representative told me something different, and I was constantly lied to that someone from the Modification Department would call me back. I know what I was told during that time. I was advised by the Modification Dept., I had to pay my entire past due amount, for a modification. I am a XXXX XXXX Veteran, and reached out to several Veterans organizations for assistance. A credit counselor with one of the organizations, advised me not to not allow the vehicle to get repossessed, even voluntarily, because it would damage my credit even more. I was able to get assistance from two Veterans organizations. A payment in the amount of {$1400.00} was made via debit card on my behalf by XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX. Another payment in the amount of {$690.00} was made on my behalf via check by XXXX XXXXXXXX XXXX on XX/XX/XXXX. This brought my account current because these payments covered the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. After these were paid on my behalf, Ally Financial showed that my next payment would be due on XX/XX/XXXX, in the amount of $ {$470.00}. The Modification Department did not keep their word, because I explained that I could no longer afford {$500.00} or even $ XXXX monthly payments. They fabricated by telling me they would modify my monthly payments, once I paid all my past due amounts.
On XX/XX/XXXX at approximately XXXX XXXX, I contacted Ally Financial Modification Department/ECR Team ( XXXX Option # 2 ), speaking with a representative by the name of XXXX. I requested to speak with Ms. XXXX XXXX, the last representative I spoke with in the Modification Department in XXXX. XXXX inquired if he could place me on a brief hold, while he reviewed my account. I agreed as such. After several minutes, XXXX returned on the line and advised me that Specialists were all in a meeting, for the next 45 minutes. He advised me to call afteXXXX XXXX XXXX California time, informing me that Specialists are in meetings from XXXX XXXX to XXXX XXXX daily. XXXX stated he would put in a request for me to receive a call back from a Specialist in The Modification Department. Basically the same fabrications from XXXX. I did not want my account to fall behind again, after getting assistance from non-profit veterans organizations and my account finally current. I went online to Ally 's website, to pull up my account. There was an option to apply for financial assistance through Ally 's website. I took a chance to apply for assistance. It was instantly approved online. An automated message appeared for me to pay {$170.00} as soon as possible, for the plan to go into effect. This was a very comfortable payment for me, as I was able to do as such, on my own. I paid {$170.00} on the same day, XX/XX/XXXX via debit online. It showed my next payment in the amount of {$290.00}, would be due on XX/XX/XXXX. I was able to comfortably make this payment on time, via debit online. After making XX/XX/XXXX payment, it showed my next payment would be due on XX/XX/XXXX, in the amount {$170.00}. I made that payment on time as well, online via debit. It was also another comfortable payment for me. After making a payment in full without being late on XX/XX/XXXX, it showed my next payment would be due on XX/XX/XXXX, in the amount of {$410.00}. I did not understand this at all, after discussing with the Modification Department, I could not afford {$400.00} or XXXX XXXX monthly payments and being told, once I paid all my past due balances in XXXX, it would be modified.
On XX/XX/XXXX @ approximately XXXX XXXX, I contacted Ally Financial XXXX XXXX XXXX, speaking with a female representative by the name of XXXX. I explained to her the aforementioned. She placed me on hold to pull up my account. After several minutes, she returned to the phone, informing me that she could find no record of my previous calls, even with the Modification Department. I advised her I had dates, times, and names. She informed me that she would have to forward my request to the Modification Department. I informed her, what I went through in XXXX and no one from The Modification Department ever calling me back and one fabrication after another. I was not rude to her at all because it wasn't her fault, all the lies I was told. I did request an employee ID # as proof that I spoke with her and that I am trying to not have my account fall behind like it did before. I also inquired of XXXX, what is the time frame for The Modification Department to contact me. XXXX advised to give them 5 business days.
I contacted Ally Financial Modification/ECR Team on XX/XX/XXXX XXXX XXXX Option # 2 ), After the XXXX of the month, Ally Financial starts charging a late fee. A male representative by the name of XXXX, answered the phone. I informed XXXX of my previous call on XX/XX/XXXX, inquiring of him if he would like the employee 's name and ID number whom I spoke to. XXXX was very rude the entire time speaking with me. He rudely stated that it did not matter if I had a name or employee number, telling me there are lots of people that work there. When I tried to explain to him what I was told back in XXXX by several representatives in the Modification Department, he told me in a condescending and rude tone, that the Modification Department gives decisions on the same day. I respectfully inquired of him if he could review the notes from my previous calls. He refused, stating he can not pull up notes from previous calls. I then requested to speak with a supervisor. XXXX refused to do as such. As a XXXX XXXX XXXX that suffers from XXXX and XXXX, I felt myself starting to get agitated. Back on XX/XX/XXXX, I ended up in the emergency room at XXXX XXXX XXXX XXXX XXXX, due to the same treatment by Ally Financial representatives. It was all stress related. Here again, I am getting the same rude treatment and as a result, I respectfully ended my call with XXXX. I was unable to get an employee ID number. All I know is, he had an accent, was very rude and extremely unprofessional. This is the kind of people that Ally Financial allows to have access to customer 's personal information.
On XX/XX/XXXX at approximately XXXX XXXX, I contacted Ally Financial Customer Service Department ( XXXX ), instead of the Modification Department. I did not want to risk speaking with XXXX again and I knew I had to get some type of resolution with my account to avoid falling behind. This time, I spoke with a female representative by the name of XXXX. I explained to her my previous call with XXXX and my call on XX/XX/XXXX with XXXX. XXXX inquired if she could place me on a brief hold to review notes and my account. I was on hold for several minutes, with XXXX never coming back to the phone after approximately 10 minutes had passed. At approximately XXXX XXXX ( this is all Eastern Standard Time ), I contacted the customer service department again ( XXXX ). The call dropped after I entered in my information through the automated system ( i.e. account number ). I immediately called back at approximately XXXX XXXX ( Eastern Standard Time ). I spoke with a female representative by the name of XXXX. She pulled up my account and informed me that {$410.00} was due, inquiring if I was prepared to pay this amount today. I explained to her, all over again, everything that transpired with The Modification Department and one fabrication after another being told to me since XXXX. XXXX stated the only thing she could do was set up a payment arrangement, inquiring as to how much I could pay. I informed her I could pay {$250.00} on Monday, XX/XX/XXXX. XXXX then inquired, when would I be able to pay the remaining {$160.00} for XXXX 's payment. I informed her that I could make that payment on XX/XX/XXXX, my next pay day. XXXX informed me that she would notate my account as such, however, she stated I would still be charged a late fee after the 10 day grace period. I inquired, if the late fees could be waived and she stated that they could not waive the late fees. I tried to plea with XXXX about the late fees but she stated there was nothing she could do to stop the late fees.
Monday, XX/XX/XXXX, I went online to Ally Financial and made a payment in the amount of {$250.00} as agreed in the payment arrangement. As of today, XX/XX/XXXX, Ally Financial has my regular payments in the amount of {$590.00} resuming on XX/XX/XXXX. This makes no sense to me. It has been one inaccuracy after another with Ally Financial, one fabrication after another, lost notes, lost documents, and being told something different from one representative to the next. Ally Financial does not hold itself accountable for their mistakes, errors and telling customers someone will call them back. But, when you are late on your payment, they call all day, from morning to night, send emails and letters. I kept my end of the bargain by getting assistance through Veterans non-profit organizations to bring my account current ( 4 months worth of payments ). Why are my payments still set at a high {$590.00}? I have yet to hear back from Mr. XXXX XXXX, Mr. XXXX XXXX or Ms. XXXX XXXX or any other representatives in the Modification Department/ECR Team from calls to them on XXXX. I have no reason to make this all up, which is why I get names, dates, and times of whom I speak with and departments. Ally only responded on XX/XX/XXXX, through the initial consumer complaint I filed. That was only after a payment on my behalf was paid to them in the amount of {$1400.00}. Their response then still did not make sense.
Ally Financial has proven to be a company that is misleading and mistrusting that allows employees to treat customers with rudeness and no compassion during these trying times.
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| 11/14/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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Thank you for your attention to this matter. I am sorry to bore you with all the details. Please take what you need, leave out what you dont. I look forward to discussing it further.
In RE : Ally Auto XXXX violations of FDCPA ; FCRA.
MEMORANDUM OF CLAIM Summary : XXXX : I can support the assertions herein with documents and execute a detailed sworn affidavit. Some of the documents are attached.
Note : This is not an auto-accident claim.
The gist is simple. Because of Allys continuous and ongoing failure and refusal to collect a payment issued by the XXXX insurer for the balance on my auto loan, Ally has harassed me and provided negative credit reporting going on XXXX months now. I have spent multiple hours on the phone with Ally trying to resolve this matter, to no avail. Please see Exhibit B ( attachment to email ).
Perhaps the best illustration is a XX/XX/XXXX letter from Ally Auto to the dealership, advising the dealer not to mail the Gap proceeds check to Ally. Exhibit A. Per the letter, Ally allegedly would debit the amount from the dealers account in a few days instead. Ally is still to debit the funds as they said they would in the letter! Instead, XXXX harassing me with collection calls and ruining my credit for several months now.
Id like to take legal action against Ally, because all my good-faith attempts to resolve this very simple matter failed due to Allys awful business and operational practices and stonewalling.
Specifically, I seek injunctive relief of Ally restoring my credit, at a minimum. Besides costs and attorney fees, damages for all the unnecessary and unjustified stress Allys caused me and my wife through their negligence and incompetence, would be more than fair. Also, punitive damages would be great in the public interest, BECAUSE, as indicated by XXXX XXXX out of XXXX rating and complaints on public websites, their predatory practices are hurting many members of the public, I am not the only XXXX.
The underlying factual history of the claim is more fully detailed as follows : In XXXX, I refinanced a personal vehicle ( XXXX ) with Ally Auto XXXX ( creditor ). The vehicle was purchased from XXXX of XXXX XXXX ( dealer ).
In addition to full auto insurance coverage, I purchased additional XXXX coverage through XXXX XXXX XXXX ( XXXX covers the difference between the payment by the main insurer and the amount owed on the auto loan in the event of a total loss of the vehicle ). Exhibit C, attached to email.
On XX/XX/XXXX, while driving the XXXX, I was involved in an auto accident in XXXX XXXX, Florida.
As a result of the accident, an appraiser from the auto insurance company XXXX XXXX XXXX XXXX and its agent XXXX XXXX ) determined the XXXX to be a total loss ( meaning, instead of repairs, the insurer pays out the estimated value of the vehicle ). Exhibit D, insurers vehicle value estimate.
I promptly notified the creditor, Ally Auto, of the accident and the insurance claim. This when I first encountered XXXX alarming incompetence in matters one would think routine with an auto finance company. To wit, Ally refused or failed to provide documentation/paperwork regarding the vehicle financing when I requested it for the insurer. Ally agent advised me they could not provide a copy of my loan agreement (??? ) It should be noted that throughout this ordeal, all the other parties involved ( primary insurer, car dealership, XXXX insurer ) worked more or less efficiently, competently, and timely ; the only problems were with Ally, and they were constant.
In addition to the claim for the total loss accident with XXXX XXXX, I started a claim with XXXX XXXX XXXX for the XXXX coverage. XXXX. B Then XXXX XXXX issued and mailed a check to Ally Auto for the total loss of the XXXX. This payment covered most of the amount still owed on the loan, leaving a balance of approx. {$800.00}. See Exh B for the approx. breakdown.
To cover that difference is precisely XXXX XXXX of Gap insurance, and the Gap insurer did in XXXX of XXXX.
The XXXX coverage was purchased through the dealer, as is customary.
Accordingly, the XXXX insurance company, XXXX, issued a check/payment for approximately {$800.00} to cover the remainder of the auto loan balance. XXXX XXXX.
The Gap insurer, XXXX, sent the above check to the dealer ; this is their procedure, I dont know why ; the dealer had no additional charges, and was going to forward the payment from Gap policy to Ally to cover the remaining balance on the auto loan.
In XXXX of XXXX, I contacted the dealer and verified that they received the XXXX check to cover the amount still outstanding on the auto loan with Ally. However, the dealer advised that they would only forward it directly to Ally as the creditor and XXXX holder, and that I am to contact Ally to ensure that Ally collects the Gap payment from the dealer, and provide Ally with the dealer info, etc. According to the dealer, all Ally had to do was to call the dealer, and they would forward the payment to Ally.
Meanwhile, all this time, I am calling Ally regarding these matters. Ally personnel, especially their international call centers, were inevitably clueless and self-contradicting and unable to help. Nobody at Ally knew anything about processing and crediting gap coverage or the specifics of my account in the aftermath of the total loss. I kept getting bounced from XXXX agent or department to another, phone tag, hold time of XXXX or more minutes. On some occasions I would end up speaking to XXXX different agents at Ally, where, after verifying all the information in grueling detail and hearing about my issue, they would forward my call to another agent, and the exact same drill would repeat over and over. I had to verify my address, vehicle info etc. several times on the same call and explain the history and the issue, only to be transferred to another clueless operator. Anyway, I wasted hours on the phone with Ally, just trying to get them to debit or collect the Gap coverage payment, or figure out how I could assist the creditor with getting these payoff funds sent to them! The incompetence was really mind-boggling. Usually, these transactions happen more or less automatically in the ordinary course of business ( insurer payment to the lender on an auto loan ). Not with Ally.
Ultimately, I was told by Ally that the dealer had to contact them to forward the Gap insurance proceeds. The dealer contacted ally on XXXX occasions with that question, to no avail.
In XXXX of XXXX, I spoke to a manager at the dealership again regarding this matter. She provided me with a copy of the letter from Ally, which expressly instructed the dealer not to forward the payment to Ally, and that Ally would debit the amount from the dealers account in a few days. Exhibit A, letter from Ally to dealer.
Ally never debited the dealers account to this day. Instead, their collections department is contacting me regarding this amount all the time and reporting the account as past due.
I made multiple calls to Ally regarding this, and again was confronted with total cluelessness, incompetence, endless forwarding, and inability to answer simple questions on the status of the gap payment. I was told often conflicting things, e.g., that the dealer/insurer had to send the check to Ally ( contrary to XXXX letter XXXX, or that they had to issue the check to me to send to Ally. This was extremely frustrating, again, because the matter boils down to creditor Ally arranging to receive the Gap insurance proceeds payment, which was already issued and waiting for Ally to accept and credit it.
Collections activity by Ally : instead of simply collecting the Gap payment back in XX/XX/XXXX (! ), when it was issued, Ally continues to bombard me with calls and letters, demanding payment of that difference between auto loan balance and primary insurer pay out ( the gap ). XXXX scripted monkeys simply dont know anything about the Gap payment status or how and when it will be processed. Its like talking to a wall.
XXXX example of XXXX cluelessness was when they sent me a letter in the summer of XXXX, threatening to repossess the XXXX (! ) The XXXX, of course, was totaled, towed away, and likely scrapped by insurance co. many months before, back in XXXX XXXX, the last time I saw it. Shows how accurate and coordinated XXXX operations are.
MOST IMPORTANTLY, though Ally Auto wrongfully and recklessly ruined my credit rating with their reporting to credit bureaus.
This, despite insurance companies timely issuing payments to cover the entire loan amount many months ago, and my many efforts to resolve this situation with Ally. Ally has now forwarded the account to collections.
The incompetent, erroneous, and negligent handling of my loan pay off matter by Ally, has largely undermined my efforts to repair credit.
The negative credit reporting by Ally has caused me to lose a significant amount of money due to inability to refinance my current vehicle at a more favorable rate.
Moreover, my wife and I are expecting a baby in XX/XX/XXXX. We are not able to upgrade to a bigger vehicle from our tiny sedan because of my credit rating, which is largely due to the false and wrongful negative reporting by Ally in the course of the past XXXX months.
Allys incessant collection calls in recent months have cause me a significant loss of time and productivity, as well as emotional distress to my pregnant wife.
This despite my repeated diligent efforts since XXXX of XXXX (! ) to advise Ally of the payment from XXXX insurer, which will settle the balance on the auto loan, if only Ally processes the payment. Which evidently, they fail to do because of completely wacky operations practices.
As stated, I seek injunctive relief, attorney fees and costs, and ideally damages for this horrendous experience which has no reason other than Ally Autos astounding incompetence, delays, negligence, and stonewalling in handling my routine loan pay off matter.
I can provide additional documentation for all the different aspects of this claim, per request. The ones Ive attached hopefully suffice for a preliminary review.
Sincerely, XXXX XXXX, XXXX XXXX, FL XXXX ( XXXX ) XXXX
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| 02/08/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
Servicemember |
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NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL Threatening to take/disable a vehicle ( as a form of debt collection ) is illegal and actually doing so is even more illegal which Ally bank has done Along with identity theft by giving my personal information to a non-affiliated, third-party, without my written authorization, nor consent my car was stolen by XXXX XXXX XXXX ( XXXX XXXX ) I went out to take my offspring to school and my car wasnt where I left it ( XXXX XXXX ) my car was not 90 days past due I received an extension for the month of XXXX the month of XXXX was paid the month of XXXX payment is not due until the XXXX so that was not late either I called Ally bank ( XXXX XXXX ) and Ally bank admitted to giving my private information to XXXX XXXX XXXX ( to steal my vehicle ) Ally bank violated the 15 USC 1692F ( 6 ) by using XXXX XXXX XXXX, to take my vehicle, without my authorization to another place Ally bank violated 15 U.S.C 6802b Except as otherwise provided in this subchapter, a financial institution may not directly, or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title ( b ) Opt out ( 1 ) In general A financial institution unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer I have no contract nor a contract agreement between myself and XXXX XXXX XXXX Ally bank violated 15 U.S. Code 6801 ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution ( Ally bank ) has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers, nonpublic personal information.
Ally bank Violated 15 U.S. Code 1692b ( 3 ) Any debt collector ( Ally bank ) communicating with any person other than ( me ) the consumer for the purpose of acquiring location informationabout ( me ) the consumer shall not communicate with any such person ( XXXX XXXX XXXX XXXX more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; Ally bank Violated 15 U.S. Code 1692b ( 5 ) Any debt collector ( Ally bank ) communicating with any person ( XXXX XXXX XXXX ) other than the consumer ( me ) for the purpose of acquiring location informationabout the consumer ( me ) shall not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector ( Ally bank ) is in the debt collection business or that the communication relates to the collection of a debt ; and Ally bank Violated 15 U.S. Code 1692c ( b ) without the prior consent of ( Me ) the consumer given directly to the debt collector ( Ally bank ), or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector ( Ally bank ) may not communicate, in connection with the collection of any debt, with any person ( XXXX XXXX XXXX ) other than ( me ) theconsumer, my attorney, aconsumer reporting agency if otherwise permitted by law, thecreditor, ( Ally bank ) the attorney of thecreditor, or the attorney of thedebt collector ( Ally bank ).
Ally bank Violated 15 U.S. Code 1692d ( 3 ) A debt collector ( Ally bank ) may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person ( XXXX XXXX ) in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The publication of a list of consumerswho allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) [ 1 ] of this title. ( Attached Publications ) Ally bank Violated 15 U.S. Code 1692e ( 8 ) A debt collector ( Ally bank ) may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : Communicating or threatening to communicate to any person ( XXXX XXXX XXXX ) credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
Ally bank Violated 15 U.S. Code 1692e ( 9 ) A debt collector ( Ally bank ) may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the UnitedStates or any State, or which creates a false impression as to its source, authorization, or approval.
Ally bank Violated 15 U.S. Code 1692e ( 13 ) A debt collector ( Ally bank ) may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that documents are legal process.
Ally bank Violated 15 U.S. Code 1692f ( 8 ) A debt collector ( Ally bank ) may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : Using any language or symbol, other than the debtcollector ( Ally bank ) s address, on any envelope when communicating with a consumer ( Me ) by use of the mails or by telegram, except that a debt collector ( Ally bank ) may use his business name if such name does not indicate that he is in the debt collection business.
Ally bank Violated 15 U.S. Code 6802 ( e ) 2 Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information with the consent or at the direction of ( me ) the consumer ; Ally bank Liable under 15 U.S. Code 1692k ( a ) 1 Amount of damagesExcept as otherwise provided by this section, any debtcollector ( Ally bank ) who fails to comply with any provision of this subchapter with respect to any person ( XXXX XXXX ) Ally bank is liable to such person ( XXXX XXXX ) in an amount equal to the sum of any actual damage sustained by such person as a result of such failure Ally bank is Liable under 15 U.S. Code 1692k ( a ) 3 Amount of damagesExcept as otherwise provided by this section, any debtcollector ( Ally bank ) who fails to comply with any provision of this subchapter with respect to any person ( XXXX XXXX XXXX Ally bank is liable to such person ( XXXX XXXX ) in an amount equal to the sum of in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs.
Account name : Ally bank ( Harming ) Account number : XXXX ( previously disputed ) is inaccurate reporting Therefore delete account off my consumer report due to my FCRA Rights.
All 3 credit reporting agencies violated 15U.S.C 1681a ( 2 ) a ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; everything is supposed to be accurate and if its the same account and its not saying the same thing its not accurate. See Red marks on Attached.
I, XXXX XXXX exercise my right to rescission! I wish to rescind because I am still within the applicable rescission period ANY HOLDER ( Ally bank ) OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
In adopting this Rule the Commission determined that it constitutes an unfair and deceptive practice within the meaning of Section 5 of the Federal Trade Commission Act ( 15 U.S.C. 45 ) for a seller ( Ally bank ), in the course of financing a consumer purchase of goods or services, to employ procedures which make the consumer 's duty to pay independent of the seller 's ( Ally ) duty to fulfill ( XXXX XXXX ) s obligations.
Breach of warranty, misrepresentation and even fraud the creditor ( Ally bank ) is demanding payment from ( me ) the consumer, even though they have not fulfill their duties, by giving all disclosures and notice to me, the consumer, which constitutes as a deceptive practice by not providing me with concise, conspicuous notices, they can not be holder in due course Allys willful negligence has harmed me!!!!!! after previous disputes, they have shuffled the dates which is illegal Violation of 15U.S.C 1681 ( S ) 2. This is inaccurate reporting rescission is an equitable remedy which allows a contractual party to cancel the contract. Parties may rescind if they are the victims of a vitiating factor, such as misrepresentation, mistake, duress, or undue influence. [ 1 ] Rescission is the unwinding of a transaction. This is done to bring the parties, as far as possible, back to the position in which they were before they entered into a contract.
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| 12/11/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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My 3 concerns : 1. Change in language to my billing statements from account number to agreement number without any prior notice and without my authorization. I am concerned this is a legal change or modification to the loan I ORIGINALLY signed. This could also indicate the sale of my loan to another company.
2. I was never told what the state of origin of my loan, until about a week ago. I had some questions about the percentage rate I am being charged ( 8.89 % ). I do garage my car in the state of Arizona. According to ALLY bank, the Arizona garaging means my loan was originated in Maryland. I would like the usury law examined to ensure I am not being overcharged in my percentage rate. What is also strange to me is that my payments go to Minnesota, Allly coroporate offices are in Texas and Michigan. Yet ... my loan came out of Maryland. I have seen no evidence of this loan origin location. It is most confusing.
XXXX. This is my largest issue. I was considering re-financing my loan with another bank. So I asked Ally for the TRUE ORIGINAL loan contract documents. I want to know exact amount due. I provided them the legally appropriate 30 days to provide my original. THEY DO NOT HAVE IT. I keep getting photo copies.What is worse is three company employees have stated verbally that they do NOT have my original!!!!! Now, I have a company letter in writing stating they do not have my original!!! THERE IS NO LEGAL EVIDENCE OF MY LOAN! The most important question now is why am I paying on a loan that does not exist? This is crazy. The lender is supposed to have LEGAL ORIGINAL documents.
4. The letter I received from Ally was confusing to me so I called them on XX/XX/2020 at XXXXXXXX XXXX and asked if they are even my leinholder. I was not given an answer. I specifically asked to hear from their legal department.
Now I will copy and paste here the letter I sent them on XX/XX/2020 so you can read the details of who I spoke to and when and what was said to me.
XX/XX/2020 From : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX Cell phone XXXX XXXX TO : ALLY FINANCIAL- AUTO DIVISION Re : FRAUD on agreement number XXXX To Whom It May Concern : I have three MAJOR fraud concerns regarding my auto loan. I have spoken to three members of your management staff and my concerns are unanswered and unresolved.
1. There was a change in language as it pertains to my auto loan. I have no comprehension or explanation as to the full ramifications of the change in language. The change occurred in XXXX of 2020. My statements prior to XXXX of 2020 had an account number on them and suddenly in XXXX of 2020, the tracking number changed to an agreement number. Any change of modification to any legal contract has to be fully disclosed in writing, prior to that change. I was given no notice ( written or otherwise ) of this very specific language change, no explanation as to why the language changed and most importantly, I did NOT consent or authorize the change you made to the loan or the tracking of the loan. This was a legal change to the loan without my knowledge. This is fraud. None of three managers I spoke to could provide an explanation about this language change. I do not know what I am paying on at this point. Your change could mean I am paying on something other than what I initially intended. Further to the point, I have continued making payments on this agreement since XXXX ( 11 months times {$490.00} = {$5400.00} ) 2020. My account is current and in good standing but, I reiterate here, I do not know what I am paying on right now. What happened to my account? How did I get an agreement without my knowledge, consent, or authorization?
I found this statement language change while investigating the possibility of refinancing my loan. My interest rate is too high 8.89 % given my credit score ( XXXX ) and debt to income ratio. I could not find my original loan documents, so I had no way to verify how much money was allegedly owed on my car. I am not going to refinance without the ability to verify the original amount of the loan and verify the payments I have made and ensure the numbers are all accurate!
2. Now we arrive at fraud issue number two. In order to verify my original loan amount, I called to obtain my true and original loan contract. I called at XXXXXXXX XXXX Arizona time on XX/XX/2020 and spoke to XXXX, a manager, in the Customer Solution Team. I requested my true, original contract documents and sadly I had to explain to your manager the difference between a copy and an original. Your manager XXXX promised me I would have the original documents in my hands via certified mail within 7 calendar days. I received a copy, not an original, 15 days after my request. During my call with XXXX, he had the audacity to ask me why I wanted my legal documents and why I did not have my original. According to the law, the lender is legally liable to retain and produce true, original contract documents at any time requested or questioned within 30 days. Your company has failed to produce the true, original contract loan documents within the legally allotted 30 days. I requested the address where records requests are handled and I was given the address. I did send in a written records request. So, I requested my documents both verbally and in writing on XX/XX/2020.
Since XXXX sent me a copy, I called again on XX/XX/2020 at XXXXXXXX XXXX Arizona time and spoke to another manager named XXXX in the Customer Solution Team. I asked again for the true, original loan contract, after explaining to him the difference between a copy and an original ( second manager who did not know ). He told me your company Does NOT have ANY original documents, only copies. I was in total shock hearing this, so I asked to speak to someone at the corporate office.
This makes no sense to me, contracts are important legal evidence/documents, I can not conceive as to why your company would not have originals! XXXX refused to provide any corporate contact information saying you only have an internal email system. He said he could and would send an email on my behalf marked urgent and someone would be calling or emailing me from the corporate office within 24 hours. He gave me reference number XXXX.
Eight days later, on XX/XX/2020 I spoke to XXXX in the Executive Relations Team. I asked her if she was at the corporate office. She said yes one of them, there are two, one in Texas and one in Michigan. The phone number I called her on was XXXX. She asked my concerns, I told her about all three concerns I have about fraud. I specifically asked her what happens to the true original loan contract documents your company receives from the dealerships. Her reply at XXXX was we scan them and destroy them. I asked her why and she had no answer. I said does your legal team know this is happening because it is also illegal to destroy legal evidence. She again had no answer. She provided me an email address and I specifically asked for this letter to be send to the legal department. Fraud is very serious.
I am wondering, where is the proof of my loan? Two of your managers have told me there is no evidence of my loan. Why am I paying on a loan which does not exist?
A scan or a photocopy is NOT an original. I requested the true original contract documents. According to the law Secondary evidence is not competent to prove the contents of an original writing ( meaning a copy is not admissible to court as legal evidence ).
3. The third issue is the interest rate. I spoke to XXXX, XXXX and XXXX. None of them could tell me the origination point/location of the loan. Is the origination location where the loan is processed, or where I bought the car, or based on where I live? I purchased the car in Iowa, the payments go to Minnesota, you have corporate offices in Michigan and Texas. Maybe you have loan approval locations in a different state I have not yet covered. Which state law is applicable to my finance percentage amount? Which state is the loan origination state?
If I go according to Minnesota law, where the payments go, then my finance percentage is higher than the maximum allowable by their state law. Minnesotas written contract percentage maximum is 8 % and I am paying 8.89 %.
What the heck is going on? XXXX managers, no answers, and no legal documents/ evidence of this loan. I am also disappointed there is no one immediately available at the corporate office to manage serious fraud issues like I have. A month has gone by and multiple calls, on my part, just to try and access someone who can actually help resolve this compliant.
In conclusion, I have given your company the legally appropriate 30 days both written and verbal notice to provide the true, original loan contract documents as it pertains to agreement number XXXX. The original can not be produced. Very simply put, no proof of loan, no loan.
Here is what I want. I want this situation resolved immediately!
There is no evidence of this loan, so the loan is null and void. Thereby, I do not owe any money on this loan. I want the title sent to me immediately along with a check for the amount I have overpaid since the language change your company made fraudulently. The check amount, at this time, for my overpayment is {$5400.00} made out to XXXX XXXX XXXX. Send both the title and check to me at : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX.
You have my permission, for the time being, to reach out to me via email if you wish to communicate with me to remedy this situation swiftly and amicably. My email is : XXXX. Any possible phone conversations will have to be booked via email.
I expect a reply on or before XX/XX/2020. One again, todays date, the day of notice is XX/XX/2020.
Sincerely, XXXX XXXX XXXX XXXX last note, it is crazy to me that customer service people will not provide any phone numbers or names or emails to anyone specifically who can actually make a decision. It is a continuous chain to non-descrip people who listen and take notes but do NOT solve problems. I twice requested to be in touch with their legal team.
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| 02/09/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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I have been consistently making my payments, until a few months agoXXXX finally caught up with me. I am a single mom, that doesnt receive child support, help with childcare, any sort of benefits or rent subsidies. With that being said, I have been self sufficient, without any issues. Since I no longer have help with my child ( she literally comes to work with me ), I had to go from 3 jobs-to just 1 job. I had money saved, but having to homeschool really threw my finances off. This is my first loan, so I am very new and somewhat ignorant about the process. I missed a couple of payments, for the first time, and I got really depressed because everything I have work for is slowly falling apart. I didnt know what to do, so I waited until I could come up with a little extra cash to submit any sort of payment. I came up with a small {$100.00} payment, which I submitted online. I had just opened a new account, and closed out my last bank account, so I had to update my account with Ally Financial. As I was submitting my payment, the system asked if I wanted to submit my payment via the bank information already listed in my account, I opted for the other option, which required me to submit my brand new account information. I updated my account, submitted the payment l, and I deleted my old account information. I just felt more comfortable calling Ally, once I was able to pay anything I could. I got in touch with a customer service rep, and she let me know I have some options to help ease my current financial hardship. The rep offered me a loan modification as well as an extension. I opted for the modification. She qualified me, and I agreed to submit a payment ( of about {$270.00} ), and she informed me I needed to sign some paperwork-and submit the payment and the paperwork within 10 days. Which I did. Within those ten days, I received an email stating my ( previous ) {$100.00} payment was declined due to insufficient funds. I was puzzled, and logged into my Ally app. After a little research, I realized Allys payment system attempted to process the payment from my old account-which ilia odd, considering I deleted that information, and manually entered in my new account information. I didnt think anything of it, until I received a random text message from Ally, stating that my modification could not be process. I immediately contacted Ally, and a customer service rep, without any explanation regarding why they were transferring-or who they were transferring me to, patched me through to their internal collections team. I explained I was calling because of the text message I received. The collections rep said something about a payment issue-and I asked if it was regarding the {$100.00} payment-and before I could let him know I figured out the issue, he started yelling at me. I was obviously not okay with being yelled at, for no reason, so I asked if I could speak to a supervisor-I hopes getting this all straightened out. The rep, along with every other rep I have spoken to, would not connect me with a supervisor. Ally doesnt seem to have any sort of account rep or Supervisor ( who can oversee my WHOLE issue ) they are willing to : allow their clients to speak to. Ive been hung up on, twice, when Ive asked, Ive been told that I can not be transferred-and that the rep would have to have the Supervisor contact me because they are working remotely. A modification team member assured me he would have a Supervisor contact me-which never happened. A collections team member once said to me : Of course you can speak to a Supervisor, but we have lots of Supervisors ( which he then began to recite various job titles from various departments ) -which one do you want to speak to? I ended up calling back, and speaking with a different modification rep. The rep explained that I could just submit a new modification-since my first modification didnt go through, I havent had one before, and you are only allotted one. I asked if I could transfer my {$270.00} payment to the new modification-which he declined. I told him that was no okay-Ally advertises that they, as a company, are willing to help struggling clients..because they are compassionate about the pandemic. The whole point of doing a modification/extension is to ease clients that are struggling financially m, I thought. The rep basically told me it wasnt possible, and suggested I call back, after some time passed ( due to my modification being so current, it was best to let that phase through the system, otherwise it could get confusing etc. I did just that. In the next conversation with the modification department, we went through the same process as the first modification-answered some questions and agreed to submit payment etc..within 10 days. When it finally came down to submitting everything-I tried doing so, on a Saturday, before I had to leave for work. Ally uses XXXX, for their virtual paperwork etc.. I logged into XXXX, and the first thing that pops up is a request to verify Im human, and actually ME. The system sends me a verification code, which I needed to enter, I order to to open and sign the document. I entered the code ( made sure I entered the correct code-which I did ), but the system is telling me it can not verify myself, so it is stating to re-enter the verification. Once again, I entered the code, then XXXX system is telling me that since I can not be verified, I was locked out if the system. I contacted immediately contacted Ally, and was told that the person that answered is part of Customer service, and could not help me. I told him it was urgent, but his hands were tied and he could not help, then he suggested I call back I Monday. I let him know I had to have it all submitted before Monday.but, he just repeated that there wasnt anyone that could assist me. I contacted XXXX support team. The XXXX rep was great! I explained my situation, so the rep looked into the problem. He then told me that there was nothing he could do, either. He explained that Allys documents can not be touched once I was locked out. Even though the rep could not help me reset the verification, he assured me he would try to contact someone from Ally. The DocUSign rep ended up Cc me on the email he wrote to Ally. As far as I know, he never heard back from anyone, and neither did I. After that, which was just a few weeks ago, my daughter and I got sick with Covid-I ended up in the ER because of it. A rep from Ally called my phone, and I let her know that I was very Ill, and would need to call her back-as I couldnt function due to my illness. Once I got better, I called back, and I requested another modification. The rep I spoke to told me I no longer qualified for a modification, and she didnt have any explanation as to why. Which was beyond frustrating. I told her I guess I would have to shoot for an extension. Upon agreement she told me I had to pay {$340.00} within 10 days, and on the 11th day I would need to pay {$420.00}. I was shocked, and asked the rep how that is suppose to be helpful?! Im struggling and yet Ally advertises themselves as a company that cares about people that are struggling due to the pandemic, but in all actuality, theyre using the pandemic to promote themselves. Asking them for help has made everything worse. As I was saying, I was stressed out and contacted Ally for some clarification. I spoke to a gentleman from the collections department about an email I received regarding my promise date. Which only mention a heads up regarding my upcoming promise payment of {$340.00} on XX/XX/2022. The rep read everything over, and stated that it seemed as if I only owed the {$340.00}, as of right now-and he assumed the other amount ( which he had no information about, in his system ) was just some I should make sure to pay asap. I checked my account to make sure everything went through alright, and noticed I was being double charged on an unrelated bill-which would then make my account NSF. So, first thing Monday morning, I made sure to contact Ally, and the rep that answered ( once again ) had no idea what I was talking about-once again, no notes on the account and no sign of an extension. I was super frustrated, and asked why they dont have account managers-then she offere to let me speak to mine-huh? I told her that would be great, and asked why after all the times I asked for any sort of account manager, I was always told the company doesnt have those. She said she didnt know and transferred me. My account manager told me that she only held that title for a week, and that the account managers switch off-whatever that means. She told me the dates I was originally told doesnt sound right, and my promise date should be for XX/XX/2022 because that would be 10 days of my first conversation. Now Im being told something different-AGAIN. On XX/XX/2022 I received the extension paperwork via USPS, which validated the payment dates/amounts I was told in the first extension conversation. This is literally what its like when dealing with Ally. They do not address or resolve any issues. Any time a rep would assure me I could speak to them, and explain my issues-I got interrupted. I looked at the reviews, and it seems as if every single client of theirs is dissatisfied with the company, and they are all dealing with the same issues, as me. There were even a few complaints about Ally not handing over the title after everything was paid off. I struggle with a XXXX XXXX every time I have to speak to anyone from their company. I feel like myself, along with so many other people are not being treated fairly, or even respected. I tried filing a complaint with the XXXX, and they responded with a letter detailing information regarding when I signed paperwork and what dates I made a payment etc. It made no sense to me. Something doesnt feel right. Thank you for your time.
|
| 09/23/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
Presently, I 've worked quite well with them in paying them after they were forcing payment, but I worked even better with XXXX XXXX in reworking our arrangements to allow me to pay that portion of the loan back later. XXXX XXXX helped me to get the money to put down on the car.
This vehicle was being used for XXXX, however there was an issue with titling and then XXXX disabled access to continuing doing self employment to pay for the car.
Along with that setback, we were in the process of getting a new job after our previous employer had to terminate our contract.
We sent a letter to the company, as well as to XXXX XXXX and was told that we could rework the XXXX XXXX loan because they actually got the letter.
The same letter was also sent to the three credit bureaus.
The company, Ally Financial, stated that they did not get the letter and that they are a business, they do not respond to letter inquiries in the postal mail, further, after the conversation about this and speaking with about 4 different representatives, we finally got someone on the line who we had to grill about what we were attempting to convey ( in the nicest way possible ) that we would pay them, yet we needed to rework our loan as they did not on the previous phone calls, nor did they correspond to the letter that was sent.
I further sent money to them via XXXX to bring the arrears partially current in their system and get reactivated on their online payment system, so I could just pay them from my bank account or credit/debit card.
Presently I 'm awaiting a payment from XXXX XXXX and my bank account is negative XXXX cents, but I expect there to be additional funds after the XXXX games this week before playoffs and if they make the playoffs, I further expect additional time at the games, where I can work additional hours and bring all arrears current or at least one payment behind.
The present arrears and the current pay schedule do not allow for the car registration and the arrears to both be paid at the same time.
I also will be unemployed after the final games and have been looking for work even before this point by going to the XXXX Division of Employment Security office downtown on XXXX XXXX, have completed testing to further my career options with XXXX and have also as of today, followed up with three job opportunities.
The previous week we did followup with our previous employer and would have to move into the area, which we have followed up on a matter to move there just for that case, so we could resume making XXXX an hour with that employer.
The treatment by the representatives may not have been the nicest, but I can agree they were effective in at least showing that they were serious about us paying them the money owed and sticking with the commitment to pay. We never, even now, feel the need to skip out on payments, we have additional obligations we have to meet, and have to actually have our paychecks come to us, as we were supposed to already have been paid for about a weeks worth of work and have not gotten such yet.
Lastly, we are receiving XXXX income which is fixed, but it is manageable if the payments are rearranged. WE have been attempting to stay in touch with the company, but not up within their rear ends about everything as they were calling our leasing office ( who happened to let them know they could not continue to call them regarding these matters ).
I 'm working to get my entire financial course corrected and previously was living on the streets and even sleeping on someones couch, then sleeping in the car, just to make sure I could maintain my job which was over 100 miles away ( at the time that I had it ). I 'm looking to ensure I can pay, as the conditions may have seemed harsh, but I did get the opportunity to see some beautiful scenery, in some not so pleasant conditions if you do n't have the suitable clothing for such an occasion.
Present copy of document sent is with XXXX XXXX, I will upload a copy of the document Monday or sometime next week after returning from XXXX XXXX, they also could send the document to you all if that would work smoother, they are quite reliable when it comes to working with people and getting accounts paid.
I further have gotten a letter for XXXX and have also sought legal counsel & even had to reach out to the Missouri Attorney General for help ( has open inquiry into matter ). With XXXX XXXX XXXX, the vehicle that has the loan on it, has a faulty transmission and is potentially going to be recalled .... I will not be paying for a vehicle I can not utilize to earn a means of living.
I got involved with a lender unknowingly that was involved in the mortgage crisis as well, so I 'm just hopeful they will be more lenient and not seek bailout funds, but not help myself or other consumers who may have similar issues .... I appreciate their online portal, its actually very sleek.
Here is a conversation that was saved to XXXX XXXX on the computer, this was before calling in and reaching the people about paying the arrears, " Ally Info at XXXX, XXXX XXXX : Welcome to Ally 's Live Chat. Thanks for joining us! A Customer Care Associate will be with you in a moment. You are number 3 in the queue. Thank you for waiting.
Info at XXXX,XX/XX/XXXX : We 'll be right with you. Thanks for your patience! You are number 2 in the queue. Thank you for waiting.
Info at XXXX, XX/XX/XXXX : You are now chatting with 'XXXX XXXX XXXX at XXXX,XX/XX/XXXX : Thank you for chatting with me today. How can I help?
XXXX at XXXX, XX/XX/XXXX : Great Day XXXX, I sent in a letter via US mail regarding m late account payments and arrears. I was hoping to hear from these individuals about working on rearranging the payment schedule and getting my account up to date .... at the same time, I wanted to discuss what to do if the vehicle is defective and how that effects the entire account as a whole including the lien and arrears?
XXXX at XXXXXX/XX/XXXX : Hello. Welcome to Ally Chat Service.
XXXX at XXXX,XX/XX/XXXX : Thank you for the information. I can definitely assist you with that. May I have your full name so that we can pull up and verify your account.
XXXX at XXXX,XX/XX/XXXX : Yes indeed. XXXX XXXX XXXX XXXX at XXXX,XX/XX/XXXX : May I ask for the year, make and model of the vehicle please?
XXXX at XXXX,XX/XX/XXXX : Yes Sir, XXXX XXXX XXXX XXXX XXXX at XXXX, XX/XX/XXXX : Just to make sure I pulled up the right account, may I ask for the last 4 of the SSN Social Security Number and your address please?
XXXX at XXXX, XX/XX/XXXX: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX at XXXX, XX/XX/XXXX : Thank you so much for verifying the account.
XXXX at XXXX,XX/XX/XXXX : Upon checking in our system this accounts is now handled by our account specialist. You may contact your account manager to provide you the necessary attention needed for your concern. Or you may contact our customer service over the phone at XXXX to further assist you.
XXXX at XXXX,XX/XX/XXXX : Is there a direct number to this specialist, as I have to work on getting to some kind of phone, right now I do not have one with me?
XXXX at XXXX,XX/XX/XXXX : Also, do you know if they got the letter I sent?
XXXX at XXXX, XX/XX/XXXX : Let me further check in our system.
XXXX at XXXX, XX/XX/XXXX : When did you sent the letter so that I can check from one of our department?
XXXX at XXXX, XX/XX/XXXX : It was a little over a week ago, might have been a bit longer .... I do not know the exact day at this present time, or at least I 'm not allowing that awareness to popup in my brain ....
XXXX at XXXX,XX/XX/XXXX : Please allow Ally to received your letter, the timeframe for mailing time is 3-5 business days, I already checked in our system we have n't received any paper works or any documentation on your account.
XXXX at XXXX,XX/XX/XXXX : I can provide you a direct number to call who handles your account, the number is XXXX.
XXXX at XXXX, XX/XX/XXXX : Thank you, is there a name of a person to speak to?
XXXX at XXXX, XX/XX/XXXX : Any account specialist will be more than happy to help you regarding your account, here in Ally Chat we do have limited access to your account.
XXXX at XXXX,XX/XX/XXXX : You 're welcome. Is there anything else that I may assist you with?
XXXX at XXXX, XX/XX/XXXX : Rest assured, XXXX. That I will properly notate and document your account, regarding your concern for today.
XXXX at XXXX, XX/XX/XXXX : Is more why I asked who that account " specialist '' is who I need to speak with ....? So any account " specialist ( s ) '' can help?
XXXX at XXXX, XX/XX/XXXX : Yes, there is already an indication on your account to the right department.
XXXX at XXXX, XX/XX/XXXX : okay cool. I will try to get to a reliable phone today and call, thank you much for your help my friend./ XXXX at XXXX, XX/XX/XXXX : You 're most welcome. It 's my pleasure to be of help today. Thank you for chatting with us. Take care and have a wonderful day, Here in Ally, you 're in good hands. Good-bye for now.
XXXX at XXXX,XX/XX/XXXX : Please remember we are here to assist you with your online needs at Ally.com/auto or by phone at XXXX ( XXXX ). We value your feedback, please click the " X '' button at top right to answer a few questions about your experience with us today.
XXXX at XXXX, XX/XX/XXXX : I hope everything will be alright. Thank you for chatting. Good-bye for now.
"
|
| 09/25/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Servicemember |
|
I was approved for a 120 day extension from Ally Financial due to experiencing a severe economic hardship from the pandemic in XXXX of 2020. My regular payments of {$590.00} was set to began on XX/XX/2020, the expiration of the 120 day extension.
I contacted Ally Financial again on XX/XX/2020 at approximately XXXX XXXX, expressing that I was continuing to experience a severe financial hardship, and could not afford to make payments in the amount of {$590.00}. The representative advised, they would look into it and send messages to the perspective department. Due to the overwhelming stress and financial hardship, I suffered from chest pains and anxiety, ending up it the XXXX XXXX at the XXXX Dept. of Veterans Affairs on XX/XX/2020. It was all stress related. I am not ungrateful at all, for the initial 120 day extension, but up to this date, I have been begging and pleading with Ally Financial to modify my {$590.00} monthly payments.
Even though I did not want to deal with them so soon after the medical ordeal, I contacted Ally Financial on XX/XX/2020, at approximately XXXX. I was proving to them that I was not trying to ignore my payments, and did not want to risk a repossession. The representative stated they would give me an extension.
I contacted Ally Financial on XX/XX/2020 at approximately XXXX XXXX, to follow up on the extension. It was still being processed.
On XX/XX/2020, I did receive an extension and my payment was lowered to {$280.00}, due on XX/XX/2020. I had a 10 day grace period to make the payment. Regular payments in the amount of {$590.00} were set to start back on XX/XX/2020. This was all in a letter I received from Ally Financial, dated XX/XX/2020. I went online to pay my bill before the grace period of XX/XX/2020 ended and discovered another inaccuracy. It showed instead, that my account was past due and that I owed {$380.00}.
On Friday, XX/XX/2020 at approximately XXXX XXXX, I contacted Ally Financial to inform them of a higher amount shown online, compared to the extension letter. The representative informed me that they did not see anything about a letter showing amount owed was {$280.00}. They went onto to inform me that now, instead of {$380.00} being due, I now owed {$410.00}. I informed them that I had a copy of the letter. The rep. informed me to either mail or fax them a copy of the letter, and they would review it. I chose to fax the letter, so I could get a quick resolution. I also did not want to keep getting charged with late fees on top of late fees, and I was already struggling. I was given the fax # of XXXX and once I fax it, I could contact them 24hrs to 48hrs to make sure they received it.
I faxed a copy of the letter, dated XX/XX/2020 showing {$280.00} due. This was faxed on Saturday, XX/XX/2020.
On Monday, XX/XX/2020 at approximately XXXX XXXX, I contacted Ally Financial to inquire if they received my fax and referenced my phone call on Friday, XX/XX/2020 and the instructions I received. The representative informed me to call back after 24rs to 48hrs. I informed the representative, this is what the rep. told me on Friday. I explained, that I really needed to get this resolved, to prevent more late charges. The rep. placed me on hold for over 30 minutes, after stating, they had to contact the fax department. After approximately 30 minutes, the representative hung up on me. I called again, explaining to the representative what transpired. This representative gave me the direct number to the fax department ( XXXX ), if we got disconnected. The representative then placed me on hold and after approximately 10 minutes, another representative with the fax department was on the line. The fax dept. representative insisted that I give them 24hrs to 48hrs to retrieve the fax. I informed the rep. that I could not wait another 24 to 48 hours and that I really needed for someone to check on the fax because it only takes a few minutes for a fax to come through. I advised that I was not getting off the phone, even if I had to hold for an hour. The representative placed me on hold and within about approximately 5 minutes, the representative came back on the line, advising, they located the documents I sent, which included the letter dated XX/XX/2020. The representative then advised that the amount of {$280.00} was no longer valid because I did not pay on time and it was correct that I owed {$410.00} because of late fees. I did not understand this and was told to contact the modification department at XXXX and press Option # 2 for the Work Team.
On XX/XX/2020 at approximately XXXX XXXX, I did as advised and contacted the Modification Department with Ally Financial, pressing Option # 2 for The Work Team. The representative informed me that there was nothing they could do, until I made the payment that was due in the amount {$410.00}, which included late fees. I then requested to speak with a supervisor. The representative informed me that they were in a meeting and they were not sure how long the meeting would last. I explained, that I needed to get this resolved and I would hold the line, no matter how long I had to hold. The representative placed me on hold and within a short few minutes, another representative came to the phone, identifying themselves as a supervisor, with the title of Modification Specialist. I explained everything to the Modification Specialist and inquired if my payments could be lowered because I could not afford {$400.00} and {$500.00} payments. I also explained the XX/XX/2020 letter and the inaccuracies. The Modification Specialist informed me that I have two options : 1 ) First option is, in order to lower my monthly payments, I have to make 12 consecutive regular payments in the amount of {$590.00} and to date, I have made 8 payments. 2 ) Second option is to surrender the vehicle under a Voluntary Repossession. The Specialist explained, that if I chose this option, they would take the vehicle to an auction to sell. Even if they get the full amount owed on the vehicle at the auction, the Specialist advised, they would still report to all 3 credit bureaus, that my vehicle was repossessed, which would severely damage my credit and take years to remove. I felt myself starting to get a XXXX. I informed the Specialist the I had to end the call and would think over both options.
XX/XX/2020 @ XXXX XXXX- I contacted the Modification Dept, again, to try work out at a modification to lower my payments. The representative advised, they could not approve me for a modification until I make 4 more months of my regular amount, {$590.00}. I explained to the representative, if I was struggling now, how was I going to make payments in the amount of {$590.00}. I really needed a modification to take place today. The rep. insisted, there was nothing they could do. I then requested to speak to a supervisor again. The representative informed me, they could not transfer me to a supervisor. I informed the representative, that the last representative was able to transfer me to a supervisor. The representative then informed me to hang up and call back, because he could not transfer me. I did as such, because I was trying to keep my stress level down.
XX/XX/2020 @ XXXX XXXX- I contacted the Ally Financial Modification Dept and the representative advised, they would send a request on my behalf, for a manager to contact me in regards to a modification. I inquired, what was the turn around time for a manager to return my phone call. The representative advised, I would receive a call from a manager by the close of the business day today, XX/XX/2020 at XXXX XXXX ; however, that time had passed, with no call back.
XX/XX/2020 @ XXXX XXXX- I followed up with the Modification Dept of Ally Financial on a supervisor/manager contacting me. The representative informed me that it takes 24hrs to 48hrs to get a call back from a supervisor/manager. I ended the call peacefully, so as not get myself upset.
XX/XX/2020 @ XXXX XXXX- I followed up with the Modification Dept. of Ally Financial on not receiving a call back from a supervisor/manager. The representative advised that the time frame for a call back is taking longer than normal because they have a high call volume ; however, right before the representative ended the call, he then stated that he apologized that my request for a supervisor to call me, was never put in.
XX/XX/2020 @ XXXX XXXX- I contacted the Modification Dept. of Ally Financial once again, because I have yet to hear back from a Modification Supervisor/Manager. The representative informed me, they would enter another request, and to wait 24 hrs to 48 hrs, not counting the weekends, for a call back.
As of today, Friday, XX/XX/2020, I really feel that Ally Financial is causing me undue XXXX, by playing mind games, to keep adding charges to someone who is already struggling financially and trying to work something out. I can see if I am purposely ignoring the debt that I owe. I am a XXXX Veteran who fought in XXXX in XXXX for my country. I suffer from XXXX, XXXX, and Migraines as a result of this combat. I can not believe this is how our country, especially Ally Financial, treats our Veterans and we fought for the freedoms you all have. Ally Financial has proven to be a company that is misleading, mistrusting, and they show no compassion.
|
| 06/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
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I SENT THIS LETTER TO XXXX XXXX XXXX. Since this debt was originally Charged off by the creditor Ally Financial charged off debt can not be reported due to the fact that the IRS Publication states it is XXXX. Since this account was forgiven/ cancelled by the company, NO FURTHER COLLECTION CAN BE DONE ON THIS ACCOUNT, Per the law 31 CFR 903.5 - Discharge of indebtedness ; reporting requirements.-When an agency discharges a debt in full or in part, further collection action is prohibited. It is Illegal to sell a debt after it was charged off by the original Creditor. I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes DELETE THIS ACCOUNT IMMEDIATELY Ally Financial -DELETE THIS ACCOUNT IMMEDIATELY AND BLOCK THIS COMPANY XXXX XXXX Services FROM REPORTING ON MY CREDIT REPORT AND FILE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX : XXXX Location XXXX To whom it XXXX concern : Per the FCRA as XXXX federally protected consumer. I am now opting out of any all authorization. Any and all verbal, nonverbal, written and unwritten authorization I the consumer XXXX XXXX have given to XXXX XXXX Bank and XXXX XXXX XXXX XXXX XXXX Account to provide my personal information to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( FDCPA ), XXXX U.S.C XXXX XXXX Permissible purposes and XXXX CFR XXXX Direct Dispute. This notice states that your claim is disputed and validation of the account is required to XXXX XXXX.
I never gave XXXX XXXX XXXX. Any of my information it was SOLD to them by Ally Financial which is a VIOLATION OF MY PRIVACY per The Privacy Act of XXXX ( XXXX XXXX XXXX ), including Statutory Notes ( XXXX XXXX. XXXX ), Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol. and XXXX XXXX Notices law XXXX XXXX XXXX Initial privacy notice to consumers required. ( a ) Initial XXXX 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
The FTC clearly states that The XXXX XXXX seeks to protect consumer financial privacy. Its provisions limit when a " financial institution '' may disclose a consumer 's " nonpublic personal information '' to nonaffiliated third parties. The XXXX XXXX was violated during this process in when my personal financial information was sold to XXXX XXXX XXXX I have the right to stop my non personal, personal data from being shared with any other non affiliate or affiliate. This debt is clearly violation of my privacy rights once again. My information was not safegaured it was sold with out my knowledge or agreement to. Second, if you receive " nonpublic personal information '' from a financial institution with which you are not affiliated, you may be limited in your use of that information. Consumers and customers who have the right to opt out may do so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. - FTC CLEARLY STATES THIS!!!!!
This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you, XXXX XXXX XXXX.
Please provide me with ALL the below mentioned items : *The original contract with this company * Original Wet Signature on the contract XXXX XXXX calculation of payment history *All tax bond receipts ( XXXX, XXXX, XXXX ) *The original date the contract was opened * The amount you claim owed * An explanation showing me how you have computed the amount.
* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( XXXX ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent.
Since this debt was originally Charged off by the creditor, this means that the debt was written off due it being a certificate of indebtedness. I was suppose to receive a XXXX in the mail because charged off debt can not be reported due to the fact that the IRS Publication XXXX it is Income. Since this account was forgiven/ cancelled NO FURTHER COLLECTION CAN BE DONE ON THIS ACCOUNT, Per the law XXXX XXXX XXXX - Discharge of indebtedness ; reporting requirements.-When an agency discharges a debt in full or in part, further collection action is prohibited. It is Illegal to sell a debt after it was charged off by the original Creditor. I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A.
* Defamation of character * Use of my copyrighted property I would like to further inform you that if any action is taken during the validation period which could be regarded as detrimental to any of my credit reports, then I will seek advice about initiating a potential lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is.
If your agency can provide me with the requested documents, a Minimum THIRTY ( XXXX ) days to investigate this information, and during this period of time, all collection activities must be stopped.
Also, I request that you provide evidence that I must pay you in anything other than appropriate commercial paper should the debt be proven valid because, to my knowledge, this was charged off by The original creditor which I was suppose to receive a XXXX and NO FURTHER COLLECTION CAN BE DONE TO THIS ACCOUNT.
If XXXX XXXX XXXX. fails to respond to this debt validation request within a period of XXXX ( XXXX ) days from the date of your receipt of my notice, then the account information must be completely deleted from my credit report and from your company database, and a copy of such deletion request should be sent to me at once, or I will take legal action. Per the law 15 U.S. Code 1692g - Validation of debts.
I would also like to request, in writing, that no calls should be made by your agency or company at my residence or workplace. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file a lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. Per the law 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692d - Harassment or abuse It would be advisable that you assure that your records are in order before I am forced to take legal action. It would be advisable that you assure that your records are in order before I am forced to take legal action. The law states that 15 U.S. Code 1681n - Civil liability for willful noncompliance ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; this is per Violation. Per the law 15 U.S. Code 1692k - Civil liability-any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; - FOR VIOLATING MY RIGHTS AND MY PRIVACY. This is an attempt to correct your records. Any information obtained shall be used for that purpose.
Respectfully, XXXX XXXX _________________________________
|
| 02/13/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
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pursuant to 15 USC 1635 ( f ) in the case of any consumer transaction in which a security interest including any such interest arising by the operation of law, meaning not limited to only a principal dwelling, but any contract which includes a security interest, the obligor shall have the right to rescind the transaction until midnight of the third business day following the consummation or the day the agreement was signed. The rescission forms are required by 15 USC 1635 and must be delivered together with a statement containing the material disclosures in accordance with 15 USC 1602 ( v ) required under TILA. In addition, the creditor must clearly and conspicuously disclose, in accordance with regulations of the Consumer Financial Protection Bureau. I, the consumer did not receive any forms or clear and conspicuous verbal, written, or video explanation on my right to rescind. I, the consumer have the right to exercise the right of rescission after three years from XX/XX/XXXX in accordance with 15 USC 1635 ( f ) as shown in the retail installment contract of Ally Financial to disclose this required information. Pursuant to 15 USC 1635 ( b ) upon the right of rescission, I the affiant am no longer liable for any finance charge. The creditor must terminate any security interest, return any money or property, earnest money, downpayment or otherwise past payments and because the property has been delivered and is in my possession I have the right to retain possession of the property. XX/XX/XXXX I contacted Ally Financial Via Certified mail and put them on notice about my decision to rescind the contract pursuant to 15 USC 1635 and to cease and desist all communication. Ally Financial Responded stating that the contract can not be canceled because there is no COOLING OFF PERIOD this is a violation of 15 USC 1693l which states that no writing or other agreement between a consumer and any other person may contain any provision in which constitutes a waiver of any rights. Any creditor who fails to comply with any requirement imposed under XXXX, in the case of an individual action, the creditor will be liable for twice the amount of the finance charge and any actual damage sustained by the creditor. Ally Financial has failed to comply with all parts of the truth in lending disclosure. Ally Financial was also sent a cease and desist. XX/XX/XXXX which stated that they must cease and desist communication through any and all mediums which would mean via telephone, consumer reporting agencies, and third party companies such as the towing company that they have sent to repossess my vehicle. Ally Financial was also made aware that I refused to acknowledge the alleged debt. Pursuant to 18 USC 8 all debt obligations are securities that are owed to the united states. Ally Financial is not a US attorney, an assistant, or designated to act on behalf of the US attorney, or an attorney or the US department of Justice or a Federal agency with litigation authority, which means the head of agency with any accompanied private attorney must have a contract made in accordance with Section 3718 of title 31 to conduct any litigation or collection of debts pursuant to 18 USC 8 on behalf of the united states and other wise would have no right. Ally Financial has to no contract with the United states to collect any alleged debt. Ally Financial is in violation of 15 USC 57b ( XXXX ) states that if any person, partnership, or corporation engages in any unfair or deceptive acts after a cease and desist order was In place are liable to have civil action bought upon them. Ally Financial has continued reporting to consumer reporting agencies about me, they have repossessed my vehicle, and they have also continued to contact me via postage Mail. Ally Financial is in violation of 18 USC 876 ( d ) because they mailed letters to my home threatening to repossess my vehicle. Pursuant to 18 USC 876 ( d ) whoever with the intent to extort from any person any money or other thing of value knowingly so deposits or causes to be delivered, as aforesaid, any communication, with or without a name or designated mark addressed to any other person that contains any threats to injure the property or the reputation of another shall be fined under title 18 and imprisoned not more than two years. Ally financial also mailed me letter threatening to report negative information to my consumers report in order to damage my reputation. Ally Financial is violation of 18 USC 1341 which states whomever having devised or intended to devise any scheme or artifice to defraud or for obtaining money or property by any means of false or pretenses, representation or promises to sell, dispose of, loan, exchange, alter, give away, distribute, supply, or furnish or procure for unlawful use any counterfeit or spurious coin, obligation, security, or other article, or anything represented to be or intimidated or held out to be such counterfeit or spurious article to be sent or delivered by the post office shall be imprisoned under title 18 and imprisoned not more than 20 years. I was defrauded when I was deprived of the intangible right of honest service when ally financial failed to notify me of my right yo rescind and failed to comply with my notice of rescission. whoever, willingly and knowingly gives, false, inaccurate or fails to provide information which is required to disclose, or fails to comply with any requirement under the consumer credit protection title will be held to criminal liability pursuant to 15 USC 1611 with fines up to {$5000.00}, one year imprisonment or both. I, the affiant, have proof of this violation shown in the consumer contract. Ally bank has seized or taken my property which is a violation 15 USC 1692f ( XXXX ) and a violation of my XXXX amendment right. Ally Financial has threatened to harm and or seize my property which is a violation of 15 USC 1692d ( XXXX ) and a violation of my XXXX amendment right to be secure in my property. Ally Financial is in violation because if any false character of the amount of any debt is a violation of 15 USC 1692e ( XXXX ) ( A ). XXXX has proof of this violation in Exhibit A as Ally Financial allege, that I the consumer, owe a debt but the alleged debt is shown in a positive balance. The action of repossession, that I the consumer have proof of is a violation of 15 USC 1692e ( XXXX ) and is fraud and illegal in the collection of any debt. This is a right secured to me by this code herein and the XXXX amendment of the U.S constitution. There has been fraud found in my consumer credit contract. The heading states that the form is a retail installment stale contract however, this document is a consumer credit contract. This form is therefore false and deceptive, void, and a violation of 15 USC 1692j. This is also a violation of 18 USC 10001 which states that anyone who makes any materially false, fictitious, or fraudulent statement or representation or makes or uses any false writing or document knowing the same to contain any materially false, fictitious, or entry shall be fined under title 18 or imprisoned not more than 5 years. Ally Financial is the holder of a fictitious and fraudulent contract with billing errors, false character representation and false statement that makes the consumer believe they have no right to rescission. Ally Financial has committed aggravated identity theft which is defined in 18 USC 1028A ( XXXX ) as knowingly transferring possessing, or using a means of identification of anothers persons with the intent to commit or to aid or abet or in connection with any unlawful activity that constitutes a violation of Federal Law or constitutes a felony under applicable law. Ally Financial knowing sent my license plate which is defined as a credit card pursuant to 15 use 1602 ( I ) to a towing company to illegally repossess my vehicle. Ally Financial is in violation of 18 USC 1962 which states that it shall be unlawful for any person who has received any income derived, directly, or indirectly from a pattern of racketeering through the collection of an unlawful debt. Ally Financial has signed a contract with a repossession company to repossess my vehicle as a means of extortion to collect an alleged debt that they are legally not allowed to collect. Whoever is in violation of 18 USC 1962 all be fined under title 18 or imprisoned not more than 20 years. Ally Financial is also in violation of 18 USC 894. Ally Financial has used extortion as a means of collection a credit extension. Ally financial knowingly participated in the use of extortions to attempt to collect an extension of credit. Ally Financial has punished me by repossessing my vehicle as means to punish me for non payment. Ally Financial agents shall be fined under title 18 and not imprisoned for more than 20 years. Ally financial has also harmed my reputation as a means to extort me. Ally Financial was sent a cease and desist letter and has since continued to harm my reputation by reporting negative information to my consumers report as a means to extort me for repayment and as a punishment for non repayment.
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| 12/21/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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I am disputing an entry on my credit report. I have contacted your company over the phone and U.S mail about inaccurate information on my credit file, but could not retrieve the information below. Due to the past history with Ally Financial misapplying payments on this account to the wrong account number and improper procedures without providing proper paperwork of discharge.
Section 1036 of the frank Dodd act of 2011 prohibits covered persons and service providers from engaging in unfair deceptive or abusive acts or practices. This act also prohibits abusive practices. This is a an abusive business practice and deceptive. The state attorney general can also sue your company for unfair and deceptive practices.
Deceptive practices are defined as a representation omission or a practice that is likely to mislead a consumer acting reasonably under the circumstances.
Legal and unfair practice is any or all practices that causes or is likely to cause injury to consumers where the injury can not be avoided by the consumer. This is unauthorized billing that caused substantial injury.
To measure unfairness, An legal assessment of an Unfairness test requires weighing cost and benefits of business practice. This particular practice resulted in substantial injury to my person. The cost outweighs the benefit and that is what legally makes this practice unfair. I do not have any legally binding contract with. Therefore your inaccurate and invalid entry on my credit is considered material to my decision making in terms of all credit related purchases 15 U.S.C. 1681 Sec ( a ) ( 1 ) ( 4 ) states The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under these findings I exercise my right to validate your claim.
The Fair Credit Billing Act requires that you bill correctly, that each statement be sent to the correct address, that you not ignore change of address requests, and that you facilitate disputed charges in a manner prescribed by law. The Act also stipulates that you provide lawfully requested information concerning my account upon request in a timely manner.
Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ) and provide me with the date of first delinquency ( which starts at the 30th day of delinquency. I have reason to believe that your information is incorrect.
This is an attempt to validate and verify a debt against Ally Financial, the parties of which may collectively be known as Debt Collector ( s ), under the Fair Debt Collection Practices Act ( hereinafter FDCPA ). I am exercising my legal right to validate a debt that your company claims is owed.
Please provide the following verifications and proof of debt as follows : I demand you forward a notarized statement on your letterhead which will attest to your compliance to the FCBA generally and to my account specifically throughout the period I have been a customer. Otherwise, delete the negative marks you have reported to the three consumer reporting agencies within the timely manner prescribed by law.
I demand you provide verification of your claim that the Account XXXX held by Ally Financial per FCRA and FDPCA.
I demand you provide verification balance due. Your entry on my credit file is inaccurate/incorrect.
I demand you provide verification of certified letter of reinstatement. Your entry on my credit file is inaccurate/incorrect.
I demand you provide verification of a letter of notice of sale. Your entry on my credit file is inaccurate/incorrect.
I demand you provide verification of a deficiency notice. Your entry on my credit file is inaccurate/incorrect.
To provide proof you must exhibit an original, or a genuine instrument in accordance with the UCC inter alia, Georgia State Law, UCC 3-501 ( B ) ( 12 ), and any local applicable laws, inclusive of the genuine original Promissory Note and genuine original allonge ( s ) showing chain of title, and the official accounting ledger.
To provide proof you must exhibit an authoritative copy of the obligatory instrument or record, timed and date-stamped, which identifies Ally Financial as the assignee of the alleged Secured Party as the assignee of the record or records. To be valid, copies or revisions that add or change the Assignee of the authoritative copy can be made only with the participation of the secured party pursuant UCC 9-105.
Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ) and provide me with the date of first delinquency. I have reason to believe that your information is incorrect.
I demand proof that the Account # XXXX does indeed reflect a balance XXXX from the original creditor on the date that the debt was charged off and/or closed. I have seen no proof to support your allegation and I believe no such proof exists.
Please provide an audit and account shall be conducted in accordance with the generally accepted government auditing standards, the Comptroller Generals standards for audits of federal organizations, OMB Circular A-732 as basic audit criteria for federal agencies.
I am also demanding a promissory note and/or an Assignment of Debt Agreement and also that the value of the attached is not sufficient to discharge this debt under the following laws : Fair debt collection Practices ACT ( FDCPA ), 15 U.S.C 1692 et seq., 1978 Title VIII of the Consumer Credit Protection ACT of 1978 The Indentured Trust ACT of 1939 HJR 192, 112 Statues at Large 48, and P.L. 73.10 of 1933 The Securities Exchange Act of 1934 The Fair Credit reporting Act Public Law No. 91-508 enacted in 1970 12 USC 411, P.L. 97-280 UCC 1-103, 1-308, 2-221, 2-104, 3-415-419, 3-500-510 The Debt Collector is given notice that pursuant U.S.C sec 1692g ( b ) : if the consumer gives notice to the debt collector in writing within the thirty-day ( 30 ) period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a void judgment, or the name and address of the original creditor, is mailed to the consumer by the collector, and in 15 U.S.C. 1681-1681 ( u ). If any of these accounts are over seven ( 7 ) years old, can not be verified and/or have been discharged, written off, charged off, sold, referred to a third party, or can not be validated, Affiant requires that these statements be deleted from the Consumers credit report.
Be advised that verification is defined ( XXXX XXXX XXXX, XXXX XXXX ) as follows : Confirmation of correctness, truth, or authenticity, by affidavit, oath or disposition. Affidavit of truth of matter stated and object of verification is to assure good faith in averments or statements of party.
Debt collector is further noticed that this is not a request by Affiant for a photocopy of any invoice, statement, bill, summary, agreement and the like and that any future communication received by Affiant from Debt Collector, in written as well as any other form, absent the above-cited requisite Verification of debt, irrespective of the inclusion of any photocopy of any related involve, statement, bill summary, agreement, and the like, constitutes Debt Collectors tacit admission, confession and agreement that Debt Collector has no lawful, bona fide, verifiable claim, re the alleged account, as per the Fair Credit Reporting Act and the Fair Debt Collection Practices, and Uniform Commercial Code ( UCC ).
This lawful request is made in accordance with the aforementioned authorities and shall further serve as a request for records as set-forth in the Administrative Procedure Act [ USC 5 551 ]. In addition to other applicable provisions under this Act, you are advised of the obligation to notify me within ten ( 10 ) days ( excepting Saturdays, Sundays, and legal public holidays ) after the receipt of my request to inform me of any refusal or unwillingness to comply, or provide records.
This is NOT a request for verification of charged off account only, but a request for validation and/or accounting where necessary as described above. During this verification and validation period, should any action be undertaken which could be detrimental to any portion of the credit files related hereto, it will constitute a breach and will result in consultation with legal counsel. This includes any listing of any information to any credit reporting repository that could be inaccurate or invalid or verifying an account as accurate when in fact there is no certified valid proof that it is.
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| 07/22/2021 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Affidavit of Fact I, The natural Living man, The original creditor have extended my open ended consumer credit to Ally Financial to have it extended back to the Consumer, Myself, using an open ended consumer credit plan Under the Corporation of the United States of America, securely bonded in Surety and trust within my Certificate of Live Birth.
Under 15 U.S. Code 1610 - Effect on other laws ( c ) Disclosure as evidence In any action or proceeding in any court involving a consumer credit sale, the disclosure of the annual percentage rate as required under this subchapter in connection with that sale may not be received as evidence that the sale was a loan or any type of transaction other than a credit sale.
Ally Financial is not a federal, but a commercial institution, so by federal law jurisdiction Ally Financial is a debt collector ( debtor ). Because Ally Financial, is a non-living non breathing entity, they have misused my extension of living open ended consumer credit ( SSN ) and signature to create a fraudulent loan to which they had become the borrower and debtor to the Federal Reserve Bank. They have falsified documents and furnished consumer reports stating that their corporation was the " original creditor ', yet by law had no right to the extension of living credit to offer the living consumer, myself.
FDIC rules prevent banks from loaning their own assets or the assets of their depositors- proving the banks do not and can not provide value for value and have no valid security interest. The Lender in any loan transaction In the United States NEVER lends anything of reasonably equal value to the Borrower and any contract formed is defective for false advertising, semantic deceit, non-disclosure, and lack of equitable consideration.
Bank transactions require a legal object and purpose. Ally Financial has committed illegal acts, Fraudulent representation of fact and Lending of credit instead of money, also unfair debt collection practices and harassment through repossession of an asset which Ally had no security interest.
15 U.S. Code 1692f.Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; A loan can not be formed in truth and validity from a CONSUMER CREDIT TRANSACTION.
See : There is no doubt but what the law is that a national bank can not lend its credit or become an accommodation endorser. National Bank of Commerce v. Atkinson, 55 E471 See : In the Federal courts, it is well established that a national bank has not power to lend its credit to another by becoming surety, endorser, or guarantor for him. Farmers and Miners Bank v. Bluefield Natl Bank, 11 F 2d 83, 271 U.S.669 See : Neither, as included in it powers not incidental to them, is it part of a banks business to lend its credit. If a bank could lend its credit as well as its money, it might, if it received compensation and was careful to put its name only to solid paper, make a great deal more than any lawful interest on its money would amount to. If not careful the power would be mother of panics Indeed, lending creates a liability in favor of the bank, the former gives rise to a liability of the bank to another. I Morse. Banks and Banking 5th Ed. See 65 ; Magee, Banks and Banking, 3rd Ed. See 248. American Express Co. v. Citizens State Bank 194 NW 429.
Ally Financial, by Federal law is also a consumer reporting agency and debt collector, who collected upon a not only fraudulent, but nonexistent alleged debt.
FDCPA and TILA does not specify OR define the term borrower or loan therefore this notion of debt can not be validated in truth even in the highest federal court.
15 U.S. Code 1692a - Definitions ( 4 ) The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.
Understand, when an organization initiates a loan in a persons commercial name using their open-ended consumer credit plan, then creates and furnishes a deceptive form to make a loan appear valid, this is in fact Identity Fraud. That organization shall pay interest to the Consumer for his or her extension of open-ended consumer credit within the Corporation of the United States.
See : the bank is allowed to hold money upon personal security, but it must be money that it loans, not its credit. Seligman v. Charlottesville Nat. Bank, 3 Hughes 647, Fed Case N0. 12, 642, 1039.
Section 103 ( b ) ( E ) ( 2 ) of the Depository Institutions Deregulation and Monetary Act of 1980, Public Law 96-221 admits that in the United States, neither paper currency nor deposits have value as commodities. Intrinsically, a dollar bill is a piece of paper and deposits are merely book entries.
A Bank, non-living entity, can not Lend funds or Extend credit, therefore a bank can not be an original creditor of any natural person 's consumer credit transaction. The Documentation you have presented constitutes, Identity theft and fraud. Congress however states, under 12 USC 1431 that banks may Borrow and give security therefor and to pay interest thereon, to issue debentures, bonds, or other obligations upon such terms and conditions as the Director may approve, and to do all things necessary for carrying out the provisions of this chapter and all things incident thereto.
See : First Bank of Montgomery v. Jerome Daly, 1968 ( credit river decision ) See : A National Bank has no power to lend its credit to any person or corporation Bowen v. Needles Natl Bank, 94 F 925 36 CCA 553, certiorari denied in 20 S. Ct. 1024, 176 US 682, 44 LED 637.
See : The Doctrine of Ultra vires is a most powerful weapon to keep private corporations within their legitimate spheres and to punish them for violations of their corporate chapters, and it is probably not invoked too often Zinc Carbonate Co. v. First National Bank, 103 Wis 125, 79 NW 229. American Express Co. v Citizens State Bank, 194 NW 430.
See : A bank may not lend its credit to another even though such a transaction turns out to have been of benefit to the bank, and in support of this a list of cases might be cited, which-would look like a catalog of ships. [ Emphasis added ] Norton Grocery Co. v. Peoples Nat. Bank, 144 SE 505. 151 Va 195.
See : It is not within those statutory powers for a national bank, even though solvent, to lend its credit to another in any of the various ways in which that might be done Federal Intermediate Credit Bank v. L Herrison, 33 F 2d 841, 842 ( 1929 ) See : A bank can lend its money but not its credit. First Natl Bank of Tallapoosa v. Monroe 135 Ga 614, 69 SE 1124, 32 LRA ( NS ) 550 Bank transactions require a legal object and purpose. Ally Financial has committed illegal acts, Fraudulent representation of fact and Lending of credit instead of money, also unfair debt collection practices and harassment through repossession of an assets which Ally had no security interest.
Under 15 U.S. Code 1692f.Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; Ally Financial willfully intended to deceive, the original creditor into a fraudulent contract named a loan } XXXX had taken place. I know who I am, and I Am Invoking my specified remedy as an original creditor and consumer in this consumer credit transaction. If Ally Financial continues to report falsified information on my consumer ( Repossession, Late Payments ) which was constructed willfully in fraudulence and identity theft, I shall be forced to pursue federal litigation with the presentation of facts and exhibits to support my stance. It is impossible to pay on a Positively reflected balanced debt or charge. Ally financial, mislead the consumer, when in fact the Alleged debt balance showed it has already been accounted for. Why did this number not reflect in a negative balance?
15 U.S. Code 1692h.Multiple debts If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions.
By powerful will invested in truth of federal law, Return all prior payments to the Original Creditor, Myself.
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| 03/08/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
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Web |
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Our vehicle lease with Ally Financial was set to expire XX/XX/XXXX. Given the excellent condition of the leased vehicle and its very low mileage, approximately a month prior to the lease end date, we began exploring options beyond just simply turning the vehicle into Ally at the end of its lease. As we learned from prior leased vehicles, our diligent care of the vehicle offered a very good chance that a dealership purchasing that vehicle from Ally would result in additional funds toward a new lease. This was the case for our previous leased vehicles. To this end, in late XX/XX/XXXX, we attempted to login to our Ally account to obtain the payoff amount for our vehicle the amount a dealership would need to send Ally to purchase the car and leave our account free and clear of all obligations. However, when we attempted to login, we learned that access to our account including our monthly statements and our payoff amount was terminated after XX/XX/XXXX, almost one full month before our lease end date of XX/XX/XXXX. This was alarming since we had previously enrolled in paperless statements at Allys encouragement ( this was our first lease with Ally - had we known the online account access would be prematurely cut-off, we would have made different arrangements to preserve our account information ). Because access to our statements and other account information was abruptly terminated before the end of our lease, the only way to obtain a payoff quote was to contact Ally by phone.
On XX/XX/XXXX, we called Ally while at XXXX XXXX XXXX in XXXX, Virginia ( this dealership had a new XXXX that we were interested in leasing ). Upon calling Ally, we were told we no longer had access to the account because the lease was ending soon. When we explained the nature of our need to access the account ( to determine how much was needed to buy us free and clear from the current lease ), Ally refused to speak with us, the account holders, and stated they would only have that discussion with a dealership representative. While we found this quite odd, Ally made it clear they would not provide this information in any other way ; as such, we were left with no choice but to trust the dealership representative. This representative, XXXX XXXX, obtained from Ally the payoff amount of {$32000.00}, which he then wrote on the back of his business card. While speaking with Ally, Mr. XXXX confirmed that this amount was inclusive of all taxes and fees that accrued on the vehicle during the lease term, and would leave us free and clear of the existing vehicle and financial obligations to Ally.
With a new lease quote from XXXX XXXX XXXX in hand, we located a second vehicle we were interested in closer to our home at XXXX XXXX XXXX XXXX XXXX in XXXX, Virginia. After some back and forth, XXXX XXXX agreed to cover what Ally informed us ( via the previous dealerships representative ) was the full amount we owed to Ally - {$32000.00}. On XX/XX/XXXX, we signed a lease for a new vehicle with XXXX XXXX. As a part of this new lease agreement, XXXX XXXX agreed to purchase our existing vehicle by sending Ally a check for {$32000.00} ( the salesman at XXXX XXXX rounded the payoff amount up to cover any miscellaneous processing fees, etc. that occasionally come up ). We were repeatedly assured by the sales team that the check to purchase the vehicle free and clear would be sent to Ally directly. We left our old vehicle with XXXX XXXX and left with our new leased vehicle, and based on the payoff amount provided by Ally on XX/XX/XXXX with the understanding that our lease with Ally would be completely paid off once it received the {$32000.00} check from XXXX XXXX ( or if anything, we may be owed a small refund ).
However, we subsequently received a letter dated XX/XX/XXXX from Ally indicating that the vehicle had been returned to Ally Financial. This letter asked us to confirm the odometer reading of the vehicle at the time it was turned in ( a totally moot and unnecessary request if XXXX XXXX had purchased the vehicle ). Shortly thereafter, we received another letter from Ally dated XX/XX/XXXX, confirming the end of our lease, but alleging that we still owed Ally a balance of {$3300.00}. Per the included Account Settlement from Ally, the majority of the alleged outstanding amount was for Personal Property Tax. As XXXX XXXX had agreed to send Ally a check covering the payoff for the entire amount owed on the vehicle including property taxes we called Ally to clarify the discrepancy and were told by XXXX at Ally that according to Allys records the vehicle had not been paid off, but instead had been turned into Ally and subsequently re-sold. XXXX even provided us with the resale amount of {$32000.00}. In an effort to gather as much information as possible before proceeding, when we then asked for copies of our most recent statements which, as noted above, we were unable to access during the end of our lease. We were told that, because our lease had ended, our account was in collections and we would need to speak with the collections department for this information. Upon being transferred to the collections department, the collections representative denied having access to that information, and would only repeatedly ask when we were going to pay the alleged amount due.
Still attempting to resolve this troubling discrepancy with Ally, on XX/XX/XXXX, we again contacted Ally, who again refused to provide us with any prior statements or other account information to support the amount they were now demanding we pay. The only additional information Ally did provide was from XXXX in Allys Personal Property Tax Division, who provided 3 separate statements for the personal property tax that had accrued for the years XXXX, XXXX, and XXXX. The three statements totaled {$3100.00}, an amount inconsistent with the figure provided on the XX/XX/XXXX statement from Ally, which indicated an outstanding property tax amount of {$3200.00}.
As Ally refused to provide even basic information to substantiate the additional amount they were demanding we pay, before proceeding further with Ally, we attempted to work with XXXX XXXX to confirm the final disposition of the vehicle in question. Unfortunately, the sales and finance department at XXXX XXXX did not respond to our repeated attempts to contact them for several months. On XX/XX/XXXX, to finally obtain answers from XXXX XXXX, we filed a formal complaint against the dealership with the XXXX County Department of Consumer Services. After being contacted by the XXXX County Department of Consumer Services, on XX/XX/XXXX, XXXX XXXX XXXX provided a copy of a check for {$32000.00} that it sent to Ally on XX/XX/XXXX. It was at this time we realized that, although woefully unresponsive to our inquires, XXXX XXXX did indeed send Ally a check to pay off Ally in full.
On XX/XX/XXXX, we were told via the car salesman that Ally insisted on speaking with that the payoff amount for our lease with Ally, inclusive of all taxes, was {$32000.00}. On XX/XX/XXXX, XXXX XXXX XXXX sent a check to Ally in the amount of {$32000.00} which would cover this entire amount. Nevertheless, Ally is now insisting that we still owe thousands of dollars, without so much as providing us any insight into where that amount is coming from. Further, what little information we could obtain from Ally is either inaccurate or flat out wrong. As noted above, Ally provided us with an amount of {$3100.00} in property taxes accrued during the lease. However, Allys letter dated XX/XX/XXXX, indicates an accrued property tax amount of {$3200.00}. Further, and even more befuddling, Ally indicated in XX/XX/XXXX that the vehicle had been turned back into Ally. This is blatantly incorrect as XXXX XXXX XXXX sent Ally a check for {$32000.00} and kept the vehicle.
This ordeal with Ally began when Ally denied us access to an account for a vehicle that we were still legally and financially responsible for. Ally then refused to speak with us when we called to ask what the payoff amount for the vehicle would be. Ally would only provide that payoff amount which Ally stated was inclusive of all accrued taxes and fees to a third-party. Ally was sent a check to cover that payoff amount in full. Nevertheless, Ally is now demanding that we pay an additional {$3300.00} while providing virtually no information to substantiate this claim. Equally troubling is that even a brief internet search on Ally Financial reveals that our situation is not unique numerous individuals have filed similar complaints against Ally, which suggests this is a well-established pattern of deceptive business practices, if not completely fraudulent behavior.
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| 05/13/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Problem with additional add-on products or services purchased with the loan
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On the morning of XX/XX/XXXX I saw a XXXX XXXX XXXX Pick-Up truck online and knew I had to have it. Id been looking for the right vehicle for a while. Well the internet said the vehicle was located at XXXX XXXX. I got to XXXX around XXXX that day. I pulled up and there were two salesmen standing outside having a great conversation. I could tell because whatever they were discussing was hilarious, as I could tell from the jovial exchanges. I proceeded on to the lot to search for the truck. I did not see it so I walked back towards the used car office and neither of the two salesmen outside seemed interested in assisting me so I went inside. Upon entering no one said a thing as everyone was looking at their cell phones as I panned the room. The guy at the desk right as you enter looked up from his phone and didnt say a word. The salesman behind him came over and asked if he could help. I told him about the truck and he tells me he does not know what truck I am talking about. I show him the truck on my phone and he says the truck is not there. He says he will go and get a list to look at what trucks they do have and he will see if he can locate the truck. I find the truck on the lot.
The salesman comes back and says he found the truck and it is on the lot. I let him know that Id already found it. We look at it and he says he has to go get the keys from service. He comes back and we look over truck and I am satisfied and ready to purchase, without being driven, and pointing out seepage from the rea differential/axle area.
The salesman and I go into the office and discuss numbers. The salesman brought over documents that reflected a charge of {$790.00} for tint and anti-theft deterrent. When I questioned the charge they could not tell me what the charge covered. I was told it covered tint ( the truck already has dark tinted rear windows and tinted front windows from the manufacturer when the truck came from assembly ), and some anti-theft deterrent ... but no one could explain what it was.
I advised them that the truck was already tinted and the sales manager asked my salesman and he said he didnt know. How can you be selling me a product when you dont definitively know what is already there to begin with? The salesman went out to check and came back to advise yes it was. When I tried to revisit what the anti-theft deterrent is that was included there was no clear explanation so it was removed, without explanation.
We went on to haggle over how close they could get to my range of $ XXXX monthly payment. I explained to the sales manager that I want my payment to include the extended warranty. We went back and forth this way where he would disappear into an office and come back with the best they could do. Every time we talked I asked about the extended warranty and if this vehicle would qualify. He kept telling me it should. The last time he came and brought me the numbers I advised him to verify that the vehicle qualified for the warranty and that it would be included in the payment amount of $ XXXX.
When the sales manager came back he said he spoke with the finance manager and we could get the payments and warranty in the aforementioned range, I shook his hand and agreed to move forward with the purchase.
The finance manager comes out to get me and takes me to his office. We began discussing the truck. He lets me know that if anything happens to the interior of the truck, like stains tears rips and things of the like ; I have 5 years and they will repair it. My salesman never mentioned this, neither did the sales manager. I thank him for letting me know since no one else informed me. I was also informed that XXXX decided to throw in 4 oil changes with vehicle purchase. I am really impressed with the added values being thrown in by XXXX.
The finance manager presents me with the numbers and when we discuss him I question him on the extended warranty for the truck because the monthly payment is $ XXXX, not what was discussed with myself and the sales manager. I explain to him what was discussed before I came back to his office with sales. He tells me the other extended warranties did not apply because of the mileage of the truck. I asked him if there were any other numbers that could be adjusted to get me in the range of what was discussed between me and the sales manager. He says no. In good faith and consideration on my end, I sign where he tells me to. I am under the impression I dont have any other option in regards to the extended warranty. I unknowingly signed for a warranty for the repair of my seats for 5 years, listed under the only extended warranty applicable to the truck per the sales manager.
The sales manager pulls up the contract on his computer screen that is the desk and highlights yellow places for me to sign. In good faith and consideration I entered into this contract, also signing that the contract was given to me and that I was free to take it and review it. I was not given this contract to take and review prior to signing. The sales manager also signed that this happened.
When I did review the contract I saw additional charges I was not made aware of during the signing of the contract. I was made aware of the following charges : {$1000.00} CILAJET Warranty {$4100.00} XXXX XXXX XXXX XXXX I called the sales manager the next day via his cell, though he was off, he assured me he would take care of it by reducing the cost of the Service warranty by {$1500.00}, the difference between that one and the lesser one ( that I did not qualify for the day I was in the office ). He then went on to say he automatically puts people on the most expensive one so that they wont come back mad if something is not covered. I explained I did not need him to think for me. I have purchased enough vehicles to know what I want. He said he would fix it on Monday by calling me to find out if I wanted to cancel the whole thing or take the discount and keep the higher service contract. Monday came and and went. I called him on Tuesday and he said he thought I was supposed to be call him. From that point on there were no more phone communications. I advised him I only wanted to correspond via email for transparency and a record of communication.
Be advised I still do not have he truck I purchased on last Thursday and at this point it is the following Tuesday. The salesman did not call me on Monday for an update on the delivery I was promised on Monday by him at the latest. So I called to find out what is going on because I watched the truck being driven over to service while I was there on Thursday. He said they were waiting on parts, I say ok. I called back on Tuesday, he could not tell me what was the issue with the delivery of the truck. He told me they were waiting on parts. I asked what parts? He could not tell me. He continued to brush me off with the same line, parts.
I drove up to XXXX to find out what parts. The service manager showed me a list of things they were taking care of and were waiting on approval from the parts manager. No one was able to tell me when this approval was coming, if the parts were ordered, where they had to come from, not a thing.
I asked to take my truck home and that was an issue. They did not want me to leave with it for liability reasons, stating it has not been repaired by service yet, it has to have its inspection. I still wanted to take it and have them call me when the parts come in and I would bring it back. The did not want that. So the offered to put me into a pick up instead of the XXXX I was in.
My watched my salesman bring me a traded in truck from the same place I found my truck. When he gave me the keys I asked him one question. I asked has this truck been inspected, being that liability is whats important and keeping me from taking my truck, he looks at me and tells me he does not know.
I refuse that truck and ask for a new truck. I was equipped with a XXXX XXXX XXXX.
I have since requested three times the contract be nullified to reflect the correct terms. They are stating they cancelled the items. I dont want the items cancelled as it was not disclosed 1. I was purchasing the 5 year interior protection for {$1000.00}, nor were the options for warranty packages presented to me. I was told my vehicle only qualified for one and even then the cost was not disclosed.
I was told a nullification / revision of the original can not happen. I spoke with a representative at the financial institution and was advised all the dealer had to do is submit the changes.
I still do not have the truck I purchased, today is Wednesday.
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| 10/18/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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My name is XXXX XXXX. I currently have an outstanding balance with Ally Financial.
I had a vehicle for about a year with Ally. Account # XXXX. Unfortunately, I got in an accident on XX/XX/2018. This resulted in being a mess with my GAP insurance, and my insurance through XXXX. I called in on XX/XX/2018 & requested a payoff balance for my account. One of the representatives transferred me to the " Total loss department ''. Apparently this department was the one that would handle my account moving forward. I held on the line & spoke to someone there. They ended up having to transfer me again, because apparently they have two total loss departments. Anyway, I don't remember his name, however I remember the escalated conversation we had. The man quoted me a payoff of one thousand dollars and some change. Throughout that conversation, I admit I was frustrated when he quoted me my amount, because I had the biggest runaround with the whole car situation. I didn't have the money at the time to pay this in full ... as a matter of fact my first payment for the car was not due until XX/XX/18. I questioned if there was a possible payment arraignment we could set up, I was seeking some assistance for a potential reduced payment. Unfortunately, he stated he could not reduce the monthly payment for me, but he did offer me a settlement. I asked him how much that would be, and he quoted me about eight hundred dollars. I do not have the exact amount. I didn't write it down, I figured at the time that I could trust my financial institution to give me correct information. The call began to escalade, I admit on getting agitated with him. I didn't know my GAP insurance was unable to take care of the whole balance for me, so I ran into a MAJOR inconvenience when I head i still owed some money. Ally received my check from my GAP insurance in the moth of XX/XX/XXXX. Six months after the incident. To my disadvantage, I didn't have the money to pay him the estimated {$800.00} he quoted me. I say, and quote " Well, I don't know what you want me to do sir, I don't have this kind of money ''. The payment that was due as of XX/XX/18 was for {$390.00}, I asked him " where did you get this random amount from? '' He said it was a partial payment for the month of XX/XX/XXXX, and starting XX/XX/XXXX i would be due for the contractual payment of {$500.00}. He said I would be done paying this sometime in XX/XX/XXXX of this year. It made sense, with the XXXX he quoted me. He said the balance of the XXXX dollars would have been satisfied by XX/XX/2018. We left off the conversation without intent for me to pay in file. My payment wast due for another 2 weeks, so I dint worry about this too much. This is where the problem started ... I decided to go to XXXX XXXX, and apply for a personal loan to consolidate my credit and have one easy monthly payment for all my debts. I am mindful of my credit, and have been working diligently to raise my score. Nothing of mine is in collections. I have excellent payment history with Ally. Once I got approved for the loan, I decided to give my good friends at Ally a call to pay off my debt. When I got somebody on the phone I asked for my buyout, they said sure give me one second. I wait on the line for about a minute or so and the woman says " Your pay off balance is {$2600.00} ''. I told her ma'am there must be some sort of confusion here. Can you transfer me to the total loss department ... She told me " Im sorry sir, the total loss department is no longer handling your account " ... I requested a supervisor. Of course. She told me I will transfer the call to a representative that takes " escalated phone calls, please wait on the line for 2-3 minutes '' ... I held on the line and spoke to a representative. She tried explaining to me various times the payoff amount, the check amounts, the history and I kept interrupting and kept saying to review the phone call from XX/XX/2018. I ended up crying of frustration on the phone and asked for her to PLEASE help me. She promised to get the call reviewed and said she would follow up. By this time, I'm already contacting my attorney. The following day, I follow up with Ally, get on the phone again and I try explaining to that rep, my situation. Hit me with " Sir your account is being handled by the total loss department, please hold while i transfer your call '' she puts me on hold, gets back and says " Sir, I'm sorry, that department is closed for the day, here is their direct number you are free to call tomorrow '' I explain to her that I had just been informed that the total loss department was no longer handling my account? ... I asked for the same " supervisor '' and get transferred. I speak to yet another woman who refused to give me the name of the last person who I spoke to, she did give me her employee ID " XXXX ''. That rep was out of the office at the time and she was unable to see if the call was revised and pulled. That same rep, CONFIRMED that the total loss department was NO longer handling my account. I get nowhere, we get off the phone and talk to my mom. ( The primary on the account ). At this point, we start collecting paperwork and we start reviewing all our information with Ally. My mom decides to give it a shot and call in with me. AGAIN. We spoke to XXXX. He looked at my account, we asked for a pay off, and he says " This account is being handled by our total loss department '' and this time I interrupt and start getting really angry. ALLY, IT IS NOT MY JOB TO INFORM YOUR STAFF WHERE MY ACCOUNT IS BEING HALDED! GET IT TOGETHER. My mom was already aware, and she told XXXX " NO you are not transferring me, you are giving me my information now '' he agreed and placed us on hold. We go over the account together and get off the phone. Finally, the representative " XXXX '' calls me back XX/XX/2018 and says " Sir, we reviewed the phone call and we confirmed with that department that no payoff was quoted to you on XX/XX/18 and your balance due is {$2600.00} '' At this point I start to cuss and got extremely loud. I WOULD NOT GO TO THE BANK, AND GET A PERSONAL LOAN FOR MY DEBTS AND ASSUME MY PAYOFF IS A CERTAIN AMOUNT!. She clearly told me she head the conversation and says nothing was given to me. This is OUTRAGEOUS. YOUR CALLS GET MONITORED AND RECORDED. I ask to listen to the call and was turned down. At this point I tell her to transfer me to the highest manager at the company, and says " It will be 24 - 48 business hours for them to call you back ''. I told her to transfer me to total loss, to see if they could clarify where the misleading information came from ... I wait for a couple minutes to speak to a woman who says " Sir there is two total loss departments, this is the incorrect one. Please hold while I get you over to them '' I wait 15 MINUTES to finally get on the phone with XXXX. This woman knows how to talk to people. XXXX, HAS BEEN THE MOST KIND, UNDERSTANDING, AND COMPREHENSIVE PERSON WORKING AT THIS COMPANY.. Her tone was empathetic and it made me open up to her to vent about this situation. We spoke and agreed to have her manager call me back instead. She even followed up with me and left me a voicemail when I was at work saying " Hey XXXX, I haven't forgot about you. My manager is still at a meeting and will follow up ASAP ''. This is great customer service. This company over all has given me misleading information, and they have placed me in a difficult financial situation. I took a personal loan out to pay this and my debts off, and committed myself to a payment of over {$400.00} with my bank, and am now being hit with this bill of {$500.00} for 6 months from Ally, all because they are a bunch of unorganized clutter XXXX. I feel like I'm being lied to.
I work in the financing industry, I collect debts and I know my rights with the FDCPA. I know you guys are not obligated to have me listen to the phone call, but if my attorney requests it I'm sure we will be bale to figure something out. I spoke to higher management at my job today for a recommendation on my situation, and this company is pending for a lawsuit. Ally fails to take responsibility, they fail to communicate, and have overall completely hate them for the situation they have placed me in. I mentioned to retain an attorney to your representatives since Monday XX/XX/XXXX, and there is still no sense of urgency.
I am filing a complaint to the XXXX, and with CFPB. I am at a complete loss of words.
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| 08/16/2022 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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violation of law and fraudulent acts AFFIDAVIT OF TRUTH Notice of Default NOTICE TO AGENT IS NOTICE TO PRINCIPAL.
NOTICE TO PRINCIPAL IS NOTICE TO AGENT.
XXXX certified mail # : Date : XX/XX/XXXX To : XXXX XXXX. XXXX. / XXXX XXXX.
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
For Ally financial XXXX XXXX XXXX, XXXX XXXX XXXX DE XXXX Respondents : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX titled XXXX XXXXXXXX XXXX XXXX ( OWNER TRUSTEE OF ALLY AUTO RECEIVABLES TRUST ) XXXX XXXX XXXX # XXXX XXXX, Delaware XXXX Return receipt XXXX XXXX XXXX : Family of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX and XXXX XXXX XXXX XXXX OF XXXXXXXX XXXX XXXX XXXXXXXX WHO IS INDENTURED TRUSTEE OF business entity titled ALLY FINANCE LLC XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX NEW YORK XXXX Return receipt : XXXX. : Family of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX WHO IS INDENTURED TRUSTEE OF business entity titled ALLY FINANCE LLC XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, NEW YORK XXXX Return XXXXeceipt : With Completion of Service and designation of Witnesses To : XXXX. : Family of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX United States Attorney General U.S Department of Justice XXXX XXXX XXXX XXXX XXXX Washington DC XXXX XXXX XXXX Mail Return Receipt : XXXX : Family of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX State of Alabama Attorney General State of Alabama Department of Justice XXXX XXXX XXXX XXXX, XXXX XXXX AL XXXX XXXX Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX : XXXX, Estate c/o XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX [ XXXX XXXX XXXX Principal RE : Account Number XXXX Dear Sir XXXX Madam XXXX To whom it may concern this is a formal notice of FRAUD found in my consumer credit transaction contract that was assigned to Ally Finance that makes it null and void due to FRAUD imposed on the consumer. Fraud voids all verbal or written agreements. I will testify under penalty of perjury that I am the consumer in fact and the only natural person with any personal knowledge pertaining to this Consumer Credit Transaction. I will testify to the following as fact : 1. Fact, I a man living breathing, affixed my signature to a promissory note ( account number XXXX ) without knowledge of the complete contract and all terms of that contract as well as the fraud being perpetrated upon me in that contract. I was illegally charged a finance charge that did not include the sum of all charges related to my consumer credit transaction. I was unlawfully forced to present a cash down payment in connection to this transaction which are all violations of 15 USC 1605.
2. Fact, pursuant to 15 USC 1635 ( f ) in the case of any consumer transaction in which a security interest including any such interest arising by the operation of law, meaning not limited to only a principal dwelling, but ANY contract which includes a security interest, the OBLIGOR shall have the right to rescind the transaction until midnight on the third business day following the consummation or the day the agreement was signed.
3. Fact, the rescission forms are REQUIRED by 15 USC 1635 and must be delivered together with a statement containing the material disclosures in accordance with 15 USC 1602 ( v ) required under TILA.
4. Fact, the creditor must clearly and conspicuously disclose, in accordance with regulations of the Consumer Financial Protection Bureau the obligors right of recission.
5. Fact, I did not receive any forms or clear and conspicuous verbal, written, or video explanation on my right to rescind.
6. Fact, the consumer has the right to exercise the right of rescission after three years from consummation of the agreement in accordance with 15 USC 1635 ( f ) and the creditor is required to fully disclose that information to the buyer.
7. Fact, pursuant to 15 USC 1635 ( b ) upon the right of rescission, I the affiant am no longer liable for any finance charge.
8. Fact, the creditor must terminate any security interest.
9. Fact, I revoke all signatures for good cause, and without recourse to me ( UCC 1 415 ; 1-308 ) 10. Fact, the creditor must return any money or property, earnest money, down payment of {$500.00} or otherwise all past payments made to Ally financial and because the property has been delivered and is in my possession, I have the right to retain possession of the property.
11. Fact, this notice should also serve to cease and desist all communication and collection attempts from Ally Finance.
12. Fact, 15 USC 1693 states that no writing or other agreement between a consumer and any other person may contain any provision in which constitutes a waiver of any rights. Any creditor who fails to comply with any requirement imposed under, in the case of an individual action, the creditor will be liable for twice the amount of the finance charge and any actual damage sustained by the creditor.
XXXX3. Fact, Ally Finance has failed to comply with all parts of the Truth In Lending Disclosure.
14. Fact, Ally Finance was also told to cease and desist which stated that you both must cease and desist communication through any and all mediums which would mean via telephone, consumer reporting agencies, and third-party companies such as the towing company that you could try to illegally send out to repossess my vehicle. Ally Financial was also made aware that I refused to acknowledge the alleged debt.
15. Fact, Pursuant to 18 USC 8 all debt obligations are securities that are owed to the United States. Ally Finance is not a US attorney, an assistant, or designated to act on behalf of the US attorney, or an attorney or the US department of Justice or a Federal agency with litigation authority, which means the head of agency with any accompanied private attorney must have a contract made in accordance with Section 3718 of title 31 to conduct any litigation or collection of debts pursuant to 18 USC 8 on behalf of the United States and otherwise would have no right.
16. Fact, Ally Finance has to no contract with the United States to collect any alleged debt. Ally Financial is in violation of 15 USC 57b states that if any person, partnership, or corporation engages in any unfair or deceptive acts after a cease-and-desist order was in place are liable to have civil action bought upon them.
17. Fact, Ally Finance has continued reporting to consumer reporting agencies about me and they have also continued to contact me via postage mail.
18. Fact, Ally Finance is in violation of 18 USC 1962 which states that it shall be unlawful for any person who has received any income derived, directly, or indirectly from a pattern of racketeering through the collection of an unlawful debt.
19. Fact whoever is in violation of 18 USC 1962 all be fined under title 18 or imprisoned not more than 20 years. Ally Finance is also in violation of 18 USC 894. Ally Finance has used extortion as a means of collection of a credit extension.
20. Fact, Ally Finance knowingly participated in the use of extortions to attempt to collect an extension of credit.
21. Fact, Ally Finance agents shall be fined under title 18 and not imprisoned for more than 20 years.
22. Fact, Ally Finance has also harmed my reputation to extort me.
23. Fact, Ally Finance was sent a cease-and-desist letter, I have reached out via phone to speak with agents and also sent messages via their online portal. They have since continued to harm my reputation by reporting negative information to my consumers report to extort me for repayment and as a punishment for non-repayment. I will be petitioning the courts to help me settle this case if my titles and all other above demands are not met.
24. Fact, I DEMAND ALL DOWN PAYMENTS AND FINANCE CHARGE BE REFUNDED TO ME THROUGH CERTIFIED CASHIERS CHECK. ALSO ALL LIENS BE RELEASED AND CLEAR TITLE SENT TO ME, THE OWNER OF THE VEHICLE.
25. Fact, I am also seeking monetary compensation for the pain, suffer and deformation of character that has occurred during this entire ordeal.
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| 03/20/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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In XX/XX/XXXX we were approved for a holiday payment extension to defer one months payment to the end of our original loan. The extension plan split XX/XX/XXXX 's monthly payment of {$400.00} over two months. XX/XX/XXXX's modified payment of {$120.00} was paid by the due date of XX/XX/XXXX. XX/XX/XXXX 's modified payment of {$280.00} was paid by the due date of XX/XX/XXXX. The regular payment schedule took back over in XX/XX/XXXX and the amount of {$400.00} was paid by the due date of XX/XX/XXXX. Although the extension payments were paid as directed and on time, it appears that the Ally system is not applying the payments correctly. Beginning in lateXXXXXX/XX/XXXX/ early-XX/XX/XXXXI began receiving collection calls for past due payment. I called and spoke with customer service on XX/XX/XXXX ( XXXX ) and she stated that it appeared that the extension was not correctly reflected in our account which was causing the issue -- it would be 2 or 3 days for a follow-up. I never heard back from customer services so I called again on XX/XX/XXXX and spoke with XXXX ( male ) in collections. My calls were automatically being redirected to collections even though I was attempting to contact customer service. Each attempt to contact customer service would require multiple redirects over a period of 45mins sometimes. On XX/XX/XXXX I was eventually sent to XXXX in customer service where she forwarded me to a supervisor on the customer solutions team, XXXX. XXXX logged my issue under reference # XXXX. She stated that the issue was with the extension and that she would waive any late fees that had already been applied to the account. XXXX would have the extension team review my issue and get back to me. I told her that I have been receiving collection calls daily that had become harassing. She put a note on my account for collections to stop calling. On XX/XX/XXXX at XXXX I called XXXX to contact someone on my issue. I was auto-redirected to collections and spoke with XXXX. After explaining my issue and that I needed a managers assistance I waited on hold for 15mins before connecting with XXXX, a collections supervisor. She confirmed some of the same information that XXXX had previously told me -- that the extension needed to be reprocessed and she would follow-up with the extension department. She confirmed that as of XX/XX/XXXX that no reports had been sent to the credit bureaus. She suggested I wait and check back in five days. I asked to be transferred to a supervisor in customer service. At XXXX I was connected with XXXX XXXX He admits that Ally is having problems with the extension and apologizes. Over the next XXXX or so I was placed on a series of holds until I was assured that my issue was a top priority and would be handled immediately. I was promised a call back within 24-48hr with a resolution. This call ended at XXXX. On XX/XX/XXXX, I was also in contact with the Ally Fraud Hotline ( Executive Customer Relations ) at XXXX. A fraud report was filed with XXXX under case # XXXX and they were going to send an update to Ally to get a resolution for the next day. I hadnt heard back from Ally by XX/XX/XXXX so I called Executive Customer Relations and spoke with XXXX to inform her that I hadnt spoken with anyone yet. We had also noticed that during that time our Ally online account portal had changed and we could no longer access any of our account information. At login I received a No Active Vehicle message. XXXX stated that she had not received a message yet from Ally and suggested I called them directly. I called Ally customer service at XXXX at XXXX on XX/XX/XXXX and was redirected to collections where I spoke with XXXX . XXXX forwarded me to customer service at my request. When I connected with someone there I immediately asked for a manager. I was placed on a series of hold for the next 10mins until I reached XXXX on the customer solutions team. I told her about our online account problems and she said that our account was on hold because they were working on the reapplication of payments in an effort to correct my account. She advised that it would be a couple days before my account was again accessible. On XX/XX/XXXX I called Ally customer service at XXXX at XXXX and was redirected to collections. After a series of redirects and holds I finally reached a representative in customer service at XXXX. I immediately asked to speak with a manager and I was connected with XXXX XXXX at XXXX, a supervisor in collections. He stated that I was the third person in that same day to reach him on this issue. He gave me his direct line and said he would be handling my issue from here on out. He assured me he would take care of it asap. I called the Ethics hotline ( executive customer relations ) to give them an update on our case. I spoke with XXXX and she confirmed that they never heard back from Ally regarding the XX/XX/XXXX request. She also said that now that a supervisor/manager was involved that they could not assist any longer. On XX/XX/XXXX it appeared that our issue had been resolved. Online portal showed a current and accurate balance with no past due payments. On XX/XX/XXXX we went online to pay our bill and noticed that the online portal was again incorrect it showed a past due balance and additional fees. That day we also received a letter in the mail dated XX/XX/XXXX stating that our account was past due and an amount of {$3700.00} was due now. I called and spoke with XXXX that morning, XX/XX/XXXX, he said to disregard the letter and to go ahead and make the online payment. We submitted the regular monthly payment of {$400.00} on the due date of XX/XX/XXXX. None of our payments have been delinquent. XXXX said that he was actively working on our issue and that it should be resolved soon. On XX/XX/XXXX our account was still showing as past due for {$520.00}. On XX/XX/XXXX we received a letter in the mail dated XX/XX/XXXX for a notice of report of negative credit information. I called and left a voicemail for XXXX at XXXX and again at XXXX. I left two more messages for XXXX on XX/XX/XXXX. I left another message for XXXX at XXXX on XX/XX/XXXX then immediately called customer service. I was rerouted and redirected numerous times including to a XXXX speaking representative, XXXX. XXXX sent me to her supervisor, XXXX XXXX, who was eventually able to connect me with XXXX. XXXX stated he had been working on my issue and that he had in fact sent an email on my behalf to his internal teams at XXXX on XX/XX/XXXX asking for resolution but had not received a response. I informed XXXX of the letter of negative credit report. He said that he doesnt see that anything has been sent to the credit bureaus on his end if a report was made it had already been reversed. I asked for a written letter of good standing as well as rapid rescore to update my credit report. As of XX/XX/XXXX, my credit score was down 70 points from XXXX. Prior to this my credit score had always remained about the same and only wavered a couple points here or there but never as much as 70! XXXX stated that the issue is with the online payment portal. XXXX stated that he is putting a rush on it to get the payments reversed and reapplied. Then he will have a letter sent. He would be off the next day but if any headway was made while he was out his colleague, XXXX XXXX would contact me. XXXX called me on XX/XX/XXXX at XXXX. He stated that the payment posting seems to be fine and that the issue is actually with how the extension was applied. He said he had a call into the extension team with a 48hr turn around. On XXXX I received a letter from Ally stating that they may discontinue my contact due to unpaid payments of {$520.00}. I called XXXX at XXXX and he said he did see where that letter went out and that I can disregard it. I asked again for a letter of good standing and he said he was unable to do that himself but would put in a request to the credit dispute team to put something in writing. We hung up with him stating that he was calling the credit dispute team right away. This issue has been on-going for three months with no resolution in site. Ive received notification that my credit would be affected but we have always made the appropriate payments on time. Ally verbally confirms that my account is in good standing and that we have made payments as they have been outlined in our agreement and that the issue is on Allys side.
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| 04/19/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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This will be my third complaint about the ongoing issue with Ally Financial Auto Loan division. They have rejected payment now twice on my account by a third-party non-profit after formally promising to accept payment via final response to the complaint. They violated collections practices by contacting me after stating in the first complaint formal response letter that they would not resume collections activities until ten days after the date of the letter. See the second complaint for a timeline of dates for collections calls. In the second complaint, XXXX in Executive Relations states that they attempted to contact me because I was not communicating with Ally. That information was incorrect on her part; please see the attached timeline of consistent communication via phone and Ally 's secure messaging system available on their website and smartphone app. It's come to a point where the statements are defamation of character and ability to handle business dealings; stating that I was not communicating with Ally is a false and untrue statement. I've included copies in PDF format of all forms of communication and the XXXX tracker I have for the phone calls. XXXX also states that Ally is not a collection company and does not fall under the law in regards to following these standards. XXXX also misspoke in her response, stating that I asked or inquired why the payment was rejected. I did not ask, I informed her, and I completely comprehend that my account is setup presently only to accept certified forms of payment, however before this {$800.00} pledge payment from the nonprofit XXXX made payable to Ally on my behalf was flagged via their collections/recovery department associate XXXX XXXX via the phone call made on Wednesday, XX/XX/XXXX. XXXX XXXX XXXX took time to reach out to the payments processing department to advise them of the Check Number, Account Number, Routing Number, Dollar Amount, and the bank the check was issued on. XXXX was informed of the special assistance payment and was in contact with my case manager at Resource Center XXXX, XXXX XXXX. I have the PDFs of her emails confirming communication with XXXX at Ally. It would be in the best interest of Ally and myself as their client to consider how many times they have failed now to accept payment from me and do anything possible and within reason to make the situation right. The blame keeps being pushed back on me, and I'm communicating with Ally or was communicating with Ally until my bankruptcy filing on XX/XX/XXXX.
The following are responses and questions that I have made as comments on the response letter issued by XXXX from Ally, Executive Customer Relations. Please see the attached PDF and review in its entirety the highlighted sections and my comments/questions.
XXXX, please refrain from exaggeration or embellishment and answer yes or no to the questions I have asked for a yes or no answer. This will help provide me with a clear and concise understanding and hopefully help us all comprehend the constant issues I have endured.
I consistently communicated with Ally via secure message monthly over the Ally App on XXXX and the Ally Website via computer. See attached PDFs of all communication and the time stamps. They will be labeled with an exhibit designation on the document and the associated XXXX file tracker.
I, the customer, did not question. I informed them that the payment was not accepted as promised, as I had called in daily to verify the funds had been received. An attached PDF of an email confirmation notice stating that the promise to pay date was approaching as I spoke with XXXX XXXX on XX/XX/XXXX, via phone call around XXXX to XXXX XXXX central time. He made notes on my account and opened a ticket notifying the processing department of the first check issued by the XXXX XXXX for assistance in giving payment of {$800.00}. This call was the best call that I have had, period, with Ally, and every other interaction has been quite draining and unhelpful. So while I know that only certified funds were being accepted on my account, there was clear communication with both collections, payment processing, and Executive Relations outlining my unique situation. Each department agreed to ensure that this unique form of assistance was documented as a pledged payment guaranteed by a Non-Profit Corporation with guaranteed allocated forms of assistance.
This statement is unambiguous ; any additional payments sent into Ally on my behalf issued as a form of payment would be accepted from the Resource Center. Now a second check was issued by XXXX for XXXX at the Resource Center, and this payment was mailed to the address XXXX had communicated with XXXX via email.
This second payment for the same dollar amount issued on the same checking account from the XXXX nonprofit was rejected, two payments for {$800.00} have now been rejected.
A third check has been issued for {$800.00} and is being mailed again by XXXX from the Resource Center to the same address. Is this payment going to be rejected as well? The second check, number XXXX, was rejected and returned to XXXX, and now check XXXX has been issued to replace the second check. The first check number was XXXX.
My questions are : will the third check be accepted, will it be applied to my account on the date it was received, and will late fees and the extra interest charges on the dollar amount be reversed? Will Ally be issuing another {$800.00} credit for not accepting the second check, applying that payment to the date it was received, and changing late fees and interest that should not have occurred?
Are payments received via mail not supposed to be applied to the account via the post date of the envelope? If payments are to be applied via post date on the envelope, will Ally adjust all the manual payments that have been processed to reflect the posting date of payment on my account effective the Post Date on the mailing envelope?
I believe Ally is not providing correct information on my account to the credit reporting agencies. Now that my account is under the XXXX XXXX Bankruptcy Protection, and I represent myself XXXX XXXX XXXX Pro Se XXXX XXXX Bankruptcy case number : XXXX, I need to know how the account is going to be reported once an Reaffirmation Agreement is Executed on my account.
Ally 's actions are not matching this statement, I'm a protected class USA citizen with a 100 % XXXX rating by the Social Security Administration and I have informed Ally that the payment assistance is based and linked directly to my XXXX rating and status and Ally keeps blatantly returning the payment assistance.
How can Ally state that this is not a form of discrimination. It looks like a form of discrimination based on my health status and also I am a member of the XXXX community and identify as XXXX.
How many XXXX identifying people has Ally rejected payments on? If a company Audit is performed I'm sure that there would be a variance in the numbers that show discrimination much like the previously settled class action lawsuit where Ally blatantly charged certain person of XXXX classification higher basis points on their new loans issued in comparison to XXXX XXXX customers.
Ally follows the same collections protocols, and has announced on any call or chat message with direct customer interaction in real-time that this is attempt to collect a debt is what I have experienced with Ally.
I have the following questions Did the first response letter state that all collections activities would be paused for ten days from the date of the issue of the final response letter ( s ) from XXXX in Executive Customer Relations? Yes or No response needed.
XXXX did Ally 's collections department call me on the dates and times I provided after the date of your letter before a ten day period in your letter based on the date of your letter on Ally letter head? Yes or No response needed.
XXXX on any communication from Ally 's collections department once the customer 's identity is verified and their account is past due is it required for the agent representing Ally on the recorded call or via chat to say " This is an attempt to collect a debt ''? Yes or No response needed.
Why does Ally 's collections department inform the Ally Customer that they are attempting to collect a debt if they do not fall under Federal and State Fair Debt Collection Practices?
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| 01/20/2024 |
Yes |
- Vehicle loan or lease
- Loan
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- Repossession
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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Ally Financial, they were given multiple opportunities to not only remove the information from my profile in which I did not give them any consent, but to also prove that I owe them anything pursuant to an " alleged loan that they so called gave me according to their representatives ' ''. They are also committing language fraud by use of certain words when it clearly states in their 10K and 8K Indentured Trust documents at the top that they " DO NOT COMMIT LANGUAGE FRAUD '' but they do just that. It says that they've signed in their security agreement with the Security Exchange under 17 CFR 424, that they will not commit language fraud or solicitation. They've also waived their rights to receive any 'so called payments ' when they've blocked my first attempt of having my friend, XXXX XXXX XXXX XXXX XXXX ( aka ) XXXX XXXX XXXX XXXX, to make any so called payments to this so called loan using his account to help me bring the balance current. My friend can contest these events and is willing to be a witness to more than a couple incidents in this regard.
They even went as far as telling me in writing that I don't have any rights and over the phone. We have some of these phone conversations including them telling me that they couldn't accept anything other than a certified Bank check before stealing my consumer household goods.
Prior to stealing my household consumer goods without just compensation, I warned them that they were breaking the consumer laws by ignoring my right to rescind any portion of the alleged one sided agreement that I allegedly gave them consent to do. However, I believe that my information and the cosigner information and signature may have been copied and pasted on other documents in order to bind us to these one sided agreements. I've also indicated to them that no one from their corporation showed up in person to give me any loan or money. Another thing that I've mentioned to them in the Affidavit regarding the rescission of my signature is that I do not want them to sell my information and to opt me out of that, and they responded that I don't have that right to do that.
The federal reserve states that banks and financial institutions can't lend on their own money. However, according to a friend of mine who has their own financial institution that lends to real estate investors, they pool notes from depositors or investors and lend other people 's money on fractional reserve including using certain IRS forms triple dipping. Their actions are contrary to 12 USC section 1431, Powers and Duties of banks. The most troubling piece to this by far is that i've found out through a third party that they've made millions from my signature and my cosigner signature constantly selling the same contract over and over again without even compensating us for the use of our signatures, because without us putting our signature on that document they couldn't make any interests. For this matter I've invoked the IRS for identity theft and tax evasion and how they are moving the money around that they are stealing from consumers.
They used my household goods as a way to extort more money from me other than the note ( aka ) security that they received from me. As before and after taking my consumer household goods. They've used both the so called contract as an asset including my personal property ( aka ) household goods. They've waived their right to cure this situation when they stopped me from making an online payment and a payment over the phone. They've made this situation worse than what it is. This is pure greed, usury slavery/peonage, fraud in the factum, deception, racketeering, theft by stealing our interests and putting it all into a pool with other investors while moving it all into trust for their indenture trustee to manage. Charges shall be brought upon all of these criminals and I'm seeking that all of their businesses and personal bank accounts be frozen until investigation is completed. I will be also sending the most recent affidavits that they've avoided to reply upon what was being requested as evidence, including an affidavit of truth for them to sign under penalty and perjury in good faith but was ignored, which validated and indicates their fraud and deception.
Regarding Ally, the Previous Tracking # XXXX XXXX XXXX XXXX XXXX XXXX, Received XX/XX/2023 at XXXX The very most recent notice sent out to them, was ( Notice and Default and Failure to Respond ) with intent to sue Tracking # XXXX XXXX XXXX XXXX XXXX In regards to the scammers running Ally to commit fraud in the factum : to remedy this situation, the only option after violating all of my rights, for identity theft under 5 usc section 522a causing me severe damages, emotional stress, depression to where I just want to give up on life, invasion of privacy, selling private information to third parties, sending people to follow me, fear of loss of credit opportunities, losing multiple opportunities, completely embarrassing me at a location they've stolen my property without just compensation including following me at a location I've never gave them by stalking me, including disturbing the peace by stealing my automobile at my work place I've never gave them, including almost running down a security officer at my work place while being told that they're disturbing the peace, I'm seeking for them to remove the account from me and XXXX XXXX XXXX XXXX credit profiles and also monetary relief in the amount with interest pursuant to the terms of the tacit agreement for each day that they continue to violate without compensation, from the time they were warned to now and each day after until it's removed and I receive monetary relief. I'm also seeking for the FTC and FBI and others to charge them for such crimes and to go after them to investigate these matters as well for all other consumers as well. I no longer want to waste anymore time going back and forth with these individuals who are running these fraudulent businesses stealing money and interests from the true creditors. Something has to be done immediately about this because they will continue to violate me and others without any respect to the consumer laws or law in general. They are using Delaware Corporations because they can get away with fraud.
Furthermore : I'm demanding that none of their Attorneys or Lawyers reach me or get involved in these matters because they have no first hand knowledge of these matters and anything they say is hearsay. My issue is with the people who are hiding behind companies violating my rights by committing fraud in the factum by deception to get wealthy and language fraud. If any Attorney/Lawyer continues to help them, then this will only prove that they are aiding and abetting these individuals and they are also liable shall be treated as wilful participants as well as contributing to these actions. This is due to the fact that they know exactly what these individuals are doing but yet they participate in these illegal and unlawful actions wilfully for currency. I refuse to accept anything else including any arguments from any of these people considering the fact that they waved an opportunity to cure these matters and it will only be a stalling tactic as usual. I've never even received an opt out notice from these individuals, although I've already written to them in writing to opt me out over six months ago but they refuse to do so. So with that said, I'm the owners, representatives, board members of Ally, including the information I've already disputed multiple times with the Credit Agencies to opt me out : I'm demanding for these companies to opt me out under 16 CFR section 313.7 Forms of opt out notice : ( F ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. Also to remove the disputed accounts from my credit profile immediately.
Again, the documents that I've sent to these scammers who are running these companies, I will be sending the same documents to the CFPB, the Attorney General, the FTC, the FBI, and the S.E.C, so that charges such as conspiracy against my rights, racketeering, identity theft by misrepresentation of my information and other, extortionate credit transactions, fraud in the factum and more, can be brought up against these people. I urge the FBI and the FTC to freeze both their personal and business assets to investigate this.
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| 02/23/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
Servicemember |
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I have been a customer of Ally Bank for over 10 years. I have used it as my primary financial institution for direct deposits and auto pay of bills. There has never been an incident.
On XX/XX/XXXX I was notified via email that Ally Bank had frozen my accounts ( Checking, Savings, and CD ). There was no phone call. Just no access. They also cut my access to any online access.
On XX/XX/XXXX, I called the fraud department. The fraud representative XXXX XXXX, I believe ) stated that 2 checks that I had recently deposited into my checking account were written on accounts of deceased individuals. I provided ample explanation that included the following.
The first check was a final distribution from the estate of my grandfather, where I was a beneficiary. The check was signed by the executor of the estate. I provided the name and number of the executor so Ally could confirm the legitimacy of the check. I also mentioned to the fraud department that this deposit was from the same account and same executor signatory as a check deposited approximately 6 months earlier for the primary portion of the estate and that check had not resulted in any concerns.
The second deposit from my uncle 's checking account. He died on XXXX XXXX, XXXX. I explained to the fraud department that I was a court appointed co-guardian for my uncle 's care and had signatory authority on his checking account with another co-guardian. I further explained that the check was for my uncle 's obituary that was put in the paper on XX/XX/XXXX. I informed the fraud department that I had signatory authority on the account and could provide that as well as all court documents.
On this date ( XXXX ), the fraud representative said they would pass along all information I had provided and that the investigator or fraud department would reach out should they need anything further. At this time, Ally Bank could provide no timeline when the issue would be resolved.
On XX/XX/XXXX, I called the fraud department as my accounts were still frozen. That fraud representative informed me that the check I tried depositing from my uncle 's account had been denied by his banking institution, XXXX XXXX XXXX ( XXXX ). XXXX had put the account on deposits only since my uncle was deceased. They did not inform me and the other co-guardian of the change in the account status. I spoke to our XXXX relationship manager, XXXX XXXX, who provided a letter stating that I had signatory authority and explained what had happened. This letter was to alleviate any concerns Ally Bank should have had about the deposit and at a minimum allowed me access to the accounts.
On XX/XX/XXXX This XXXX letter as well as all court documents giving me co-guardianship and XXXX were provided to Ally Bank via email to the fraud email address.
On XX/XX/XXXX my account was still frozen. I called the Ally customer service department who said they could do nothing and they passed me to the fraud department. I spoke to XXXX in the fraud department. She informed me that there was nothing she could do. The matter was in the investigators hands, and they could not provide any timeline for when my accounts would be unfrozen.
On XX/XX/XXXX I sent a letter to the head of Ally relationship management, XXXX XXXX, asking for assistance. I could not email her the letter as I did not have access to online banking ( frozen ). I had to overnight the letter to a XXXX XXXX XXXX No response as of XX/XX/XXXX. In addition, I sent the same letter to XXXX XXXX via XXXX hoping to get some response. No response as of XX/XX/XXXX.
On XX/XX/XXXX I emailed the fraud department again asking for a resolution. No response. My husband ( also a customer ), sent a secure email since he still had online access to his accounts. They responded that they would pass along information to the fraud department but again, nothing they can do.
On XX/XX/XXXX, I emailed the fraud department again. No response.
On XX/XX/XXXX, I spoke again to XXXX XXXX at XXXX who confirmed that he had been contacted by Ally 's investigator on XX/XX/XXXX or XX/XX/XXXX and he again explained everything to the Ally investigator. I also spoke to XXXX XXXX, a XXXX manager, who expressed dismay at the length of time it is taking Ally and how banks, such as XXXX, would provide transparency, and at a minimum, provide a timeline.
On XX/XX/XXXX, I called Ally 's relationship desk who then ( of course ) sent me to the fraud department. I spoke ( again ) to XXXX who stated that it was still with the investigators and that no timeline could be given. She further stated that under the deposit agreement ( which they will not allow you to negotiate ) states that they can freeze all my accounts for any amount of time. She further stated that they do not rush their investigations and that I had to deal with things. There was absolutely no concern for freezing an individual 's resources used for their livelihood.
As of XX/XX/XXXX, my account has been frozen for 18 days. As the sole wage earner of a family of 4 who handles all the family finances, the freezing of our primary accounts has been detrimental to our family. All auto payments and direct deposits were to those accounts. I have had to re-route as many bills to another account I have and work to change all direct deposits so that I have access to the income I receive. The long-term freeze of all 3 accounts not only suspends a large portion of my funds it has resulted in past due bills and late fees.
Although I appreciate a bank wanting to make sure that there was no illegal or fraudulent activities, I do not see how any financial institution can freeze all funds and all accounts essentially making it impossible for people to live. I especially do not understand how there can not be a time constraint to resolving investigations. How can it take a week to get an understanding of what they need because there is no transparency. How can any movement only appear to occur when there is an outreach by the person being harmed. Why does it take that outreach to gain any understanding of the situation. Moreover, how can it take another week once the investigator at Ally Bank has talked to XXXX ( XX/XX/XXXX ) for resolution that Ally can still freeze my accounts. And, How can it be that Ally Bank or any financial institution be held to accountability of working with their customers instead of provide an opaque wall so that they have my money but I have no information or known timeline. Why are the laws in the favor of the institution ( who holds the collateral and the legal arguments in their favor ) rather than the consumer.
The Federal Reserve is tasked with supervising and regulating financial institution and activities to promote the safety and soundness of institutions and monitoring the impact on the financial system as a whole. They also hire examiners specially trained to examine banks for compliance with laws to ensure consumers are treated fairly and things are resolved in a timely manner. I do not understand how the issue outlined above is fair to me, the individual consumer, or the issue is being resolved in a timely manner.
In addition, The Consumer Financial Protection Bureau exists to make sure banks and financial companies treat families fairly. I do not understand how a long-standing customer with no other issues for over a decade warrants such drastic action. How is it warranted to freeze all accounts for over 3 weeks effectively denying access to funds in which my family needs to live.
The lack of customer service by Ally Bank is one thing and something that can be addressed by the XXXX XXXX XXXX and possibly the CFPB. However, the lack of transparency into the issues and the blatant disregard of resolving issues timely by the fraud investigation should be, if it isn't already, illegal as it is obviously unethical. I I also do not understand, given the extensive XXXX process and constant monitoring done by banks as well as the fact that I am on no watch lists or have had any questionable activity allows a financial institution to withhold funds for such a length of time. If there is not already a law or regulation, there should also be one on reasonableness. Ally Bank 's actions are not reasonable considering all information ; especially for almost 3 weeks.
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| 03/19/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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XX/XX/XXXX Notice to Agent is Notice to Principal. Notice to Principal is Notice to Agent To : ALLY FINANCIAL XXXX XXXX XXXX XXXX, MN XXXX XXXX Re : AUTO LOAN Re : XXXX To Whom It May Concern, For the record on the record and let the record show that I, XXXX XXXX ( blood flesh human being, Natural Person XXXX XXXX am not XXXX, XXXX XXXX, XXXX or XXXX nor a XXXX or XXXX artificial corporate construct written in all capital letters XXXX XXXX of unclean hands of others, Declare that : I reserve all of my rights and do not waive any of my rights. In response to the alert posted to the account in the intent to extract unconstitutional money, bill of attainders and law impairing the obligation of contracts I conditionally accept your offer upon proof of your claim that my signature for Account # XXXX did not 100 % pay off my loan in full at closing with XXXX XXXX XXXX XXXX XXXX of XXXX in XXXX, PA.
I also conditionally accept your offer upon proof of the Original Wet Ink Contract as proof of obligation to pay any alleged debt to ALLY FINANCIAL..
*If you have purchased and/or acquired a debt, it is YOUR obligation to pay it. As the account shows no negative charge to owe.
Constitution for the United States of America Republic Article VI : This Constitution, and the laws of the United States which shall be made in pursuance thereof ; and all treaties made, or which shall be made, under the authority of the United States, shall be the supreme law of the land ; and the judges in every state shall be bound thereby, anything in the Constitution or laws of any State to the contrary notwithstanding.
The senators and Representatives before mentioned, and the members of the several state legislatures, and all executive and judicial officers, both of the United States and of the several states, shall be bound by oath or affirmation, to support this Constitution ; but no religious test shall ever be required as a qualification to any office or public trust under the United States.
Constitution for the United States of America Republic - Article I section 10 : No state shall enter into any treaty, alliance, or confederation ; grant letters of marque and reprisal ; coin money ; emit bills of credit ; make anything but gold and silver coin tender in payment of debts ; pass any bill of attainder, ex post facto law, or law impairing the obligation of contracts, or grant any title of nobility.
Pursuant to Congress House Joint Resolution 192 Chapter. 48, St. 112 The Federal Government shall discharge Dollar for Dollar all debt.
Contract is derived from the Old Moorish Latin word, contrahere and means to draw ; to agree upon ; to establish by agreement ; to enter upon ; and to undertake, mutually.
Contracts are essentially manifest written or oral agreements or covenants that are mutually entered into by two or more parties : involving or bringing the said parties into conditional obligations which are enforceable by Law. Contracts may be classified in accord with the nature and elements that initiated their constructions, etc. A Contract is thusly a Promissory Note or Covenant made between the identified and the competent parties that Creates. Modifies or Destroys a legal relation, upon sufficient and non-vague considerations, which demands of a party to the contract to do or perform, or not to do or perform, a particular thing. A valid and lawful contract must meet the following criteria : A. A Contract must show, in its preliminary making and construction, the clear and Substantive Offer made by one party, and demonstrate the Mutual Acceptance affirmed by the other party.
B. A Contract must be producible ( and exist in evidence ) upon demand made by either party to the Contract, which in itself, may be in question, dispute, or controversy.
C. A Contract must be produced in manifest writing, ( evidence ) and contain the details of the agreements, debts, or promises, with all the terms, the obligations, and the conditions, which clearly show and serve as proof that a valid and enforceable obligation, promise, or debt, exists.
D. A Contract must be a deliberate and conscious agreement made between competent parties.
E. A party to a contract can not be a minor.
F. A Contract must be entered into by free-will.
G. A Contract must not be created under threat, duress, or coercion, lest it be void in law.
H. A Contract must be substantive and germane to the subject matter.
I. A Contract must be of legal consideration. It can not be based on an unlawful consideration.
J. A Contract must possess Mutuality of Agreement, and Mutuality of Obligation.
K. A Contract must not be vague, unclear, uncertain, nor can it contain terms or conditions that are not ascertainable.
L. A Contract must show valid signatures of the parties to the Contract instrument, in order to verify its validity in law. ( WET INK SIGNATURE OF ORIGINAL CONTRACT ) Note : If a Contract fails to satisfy the laws that govern its making or construction, then any such Contracts is void Ab Initio, and is considered dead in the view of Law.
I, name am Not a Consumer as defined by the Fair Debt Collection Practices Act ; Subsection 803 ( 3 ). The term consumer means any natural person obligated or allegedly obligated to pay any debt.
If Re-insertion of a negative item is included with closure of account Consumer Financial Protection Bureau will be notified for an investigation. A UCC-11 Information Search will be submitted For the Record and filed in my financing statement as proof of no debt existing.
Res Judicata/ Stare Decisis Failure to reveal the material facts of a license or any agreement is immediate grounds for estoppel. Lo Bue v. Porazzo, 48 Cal.App.2d 82, 119 Fraud is any kind of artifice employed by one person to deceive another. Goldstein v. Equitable Life Assur. Soc. Of U.S., 160 Misc. 3664, 289 N.Y.S. 1064, 1067.
Fraud is a generic term, embracing all multifarious means which human ingenuity can devise, and which are resorted to by one individual to get advantage over another by false suggestions or by suppression of truth, and includes all surprise, trick, cunning, dissembling, and any unfair way by which another is cheated. Johnson v. McDonald, 170 Okl. 117, 39 P.2d 150.
Bad faith and fraud are synonymous, and also synonyms of dishonesty, infidelity, faithfulness, perfidy, unfairness, etc. Joiner v. Joiner, Tex. Civ. App., 87 S.W.2d 903, 914, 915.
Accord and satisfaction if done once Is sufficient even if an additional payment is tendered at a later date. Should a debtor make such an additional payment, said debtor is entitled to Reimbursement of all subsequent payments. Austin v. Padgett, Miss. 1996, 678 so. 2d 1002 1 ) I Thank you in advance for your immediate and express cooperation and service. You have 10 ( ten ) days, upon receipt of this Certified Mailing of this Affidavit of Fact : Writ in the Nature of Discovery to rebut the foregoing facts constituting this Affidavit of Fact as well as the form ( s ) 1099- OID ( Original Issue Discount ), XXXX, and XXXX of the alleged Account number # XXXX Failure to competently rebut this Affidavit of Fact point for point renders any and all judgment in my favor by default tacit acquiescence.
Please send me the following requested documents constituting this Affidavit of Fact 2 ) Proof of your claim that my signature for Account # XXXX did not 100 % pay off my loan in full at closing with ALLY FINANCIAL..
3 ) Proof of the Original Wet Ink Contract as proof of obligation to pay any alleged debt to ALLY FINANCIAL.
4 ) Form ( s ) 1099- OID ( Original Issue Discount ), 1099-INT, and W-9 of the alleged Account # XXXX XXXX ) If you can not provide the rebuttal to this Affidavit of Fact point for point with the following documents that are listed then I am demanding you to clear this debt amount of {$21000.00} that is attached to the alleged account # XXXX.
with all 3 credit bureaus within 10 days of this Certified Mailing. Failure to competently rebut this affidavit point for point along with the requested documents renders any and all judgment legally and lawfully in my favor by DEFAULT and will be used as Evidence in the court of law.
Honor Always, XXXX XXXX, American Citizen ALL RIGHTS RESERVED U.C.C 1-308
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| 11/19/2022 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Unable to open an account
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Web |
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I have not been able to open a real bank account to access money XXXX XXXX to be able to pay for food, a place to live, clothing, among other much needed things. The banks have been scamming me. Getting my accurate info from me yet reporting my information inaccurately causing me to loose all my deposits to closed accounts after they open accounts that I learned were not sufficient in fact overcharged me to the point they have taken all my cash on hand for years. To the point I can not open a bank account. Although I was told nothing was wrong and that I can open yet when I go in person because it says I cant open online as I should be able to I be blocked with a message I need to contact the branch who then would tell me to come in so they could verify my identity. When I would waste my time and overcome the challenge to get there to see a branch manager, they would tell me the accounts they have and the one that they can open for me, they charge me {$25.00} and other fees just for something that comes with the account they said the fees was for a debit card and account opening yet the accounts never worked. Causing me to use all my cash on hand at times to cover the cost in payment when I am not a printing press or they did not give me the money deposit in cheque or debit card, while I would always have to use the money cash at the time I had on hand for other purposes to use. However I got scammed by the managers of some of these banks opening up checking accounts on my behalf yet really for themselves I am convinced because they have been mixing my social security number with their individual business name is what I have discovered, its businesses who have done this according to a consumer reporting agency who notified me my personal identifying information was being reported with another individuals name and they told me it wasnt a person yet it was a business. They didnt name exactly which business yet they said they would no longer report that inaccurate mixed information in those files with the consumer file they had verified me and realized that the information that I guess was sold to them or reported to them which is considered a sale I have learned in the business world, they reported misinformation intentionally to cause me to be overcharged, account to seem insufficient, to loose all my deposits on those accounts after they have been closed my guess now that I know for a fact first hand, to act like they are collecting a debt that I do not owe, in fact they owe me, could be the very reason they change my identity all the time even after verifying my accurate information, and report negative misinformation intentionally all though I am a true victim of fraud and identity theft from individuals employees in those positions who lie to me about the account features and them working for me to be able to make payments to buy food etc, just so that they can get my information and open up checking accounts so they can pay themselves by scamming me. I am not able to open up not one bank account online by myself or with the help of the banking agent where I am instructed to call through the online open account section of the banks website page, although they get all my information upon attempting to open a bank account to be able to access money payments system to be able to access cash to pay in full as the checking account seems to. Yet for me I havent seen it work since I was told I needed to get a checking account to be able to access the Payment systems to be able to cover the cost no matter high or low. I have not been able to do that. I have been to more than one bank to try to get a account to be able to pay for food, a place to live l, to be able to provide for my children as I should be able to do at all times for our day to day needs and wants. In the past I have been being scammed by these insufficient banks and overcharged as well as money stolen, as well as lost all my deposits after the bank closures after I have made many deposits to just to learn not only from the feeling of the experience of going without much for years, but from another bank where I tried to open a checking account who actually told me I was a victim of fraud and identity theft instead of scamming me totally. They notified me and I called the places they said to call is how I learned of the false reports being fraudulently reported. Which is so unfair to the point that I can not open a checking account. I get through the set up but then once it gets to the completion, I get a response that the checking account can not be opened and I would get a letter. Even up to this day. I have lost millions over the past XXXX years added up because I am now in my XXXX and have yet to get a sufficient real checking account that I can really access cash to cover payments for everyday needs and wants. Even up to this day I have not been able to open up a checking account and all the checking accounts I have ever had opened up on my behalf after going in a business branch, I ended up being scammed by the bank managers and employees opening up checking accounts on my behalf. Even then when they were opening the accounts I felt something was wrong because the accounts never worked as it said it should for personal family and household needs. Non commercial I am not a small business I am not a big business I am not employed by anybody. I do not owe any debts I am not a borrower none of that. Yet thats how the bank individuals would treat me and the checking account like they was collecting from me money I didnt even have for those purposes to overpay and be overcharged is what they were doing to the point I have lost so much and can not even open a bank account because of it to even pay for food to feed myself and children. Although things that are happening now and I.n the past to me can change, as I am typing this report complaint, I have a half of bag of rice left that my children I have make left to eat for now because of not being able to open a real checking account so that I may access XXXX XXXX money payment system as I shall be able to. I dont know what else to do. We are tired of this mess that no one is correcting and stopping from happening although I have verified my information accurately and noticed who say they are law enforcement, nobody has done anything to help me stop this from happening to me so that I may help myself and my children. I am not able to open a checking account because they are reporting false information as accurate and continue to report this information as accurate even after they are aware that its wrong also mixing their negative files with a consumer file that I didnt even apply for and know that I had until I learned about the identity theft and fraud being done by what I know and can say for a fact is the banks manager employees for what got to be for their own benefit to scam me as they have been for years even up to now when I can not get a checking account because of it. I verified with the United States treasury department who said this should not be happening. I was able to learn through that department after I told the supervisor in the office I was giving the number to by a state office employee, what was happening to me for years but didnt know until XXXX for a fact had been being done, The supervisor verified my social security number and said none of my transactions should never decline and I was not on the do not pay list and this should not be happening told me to call law enforcement as I did but nothing has changed other than now we have no food. No real resolve or compensation for this happening to me yet. I was giving this agencies information again recently by the state of XXXXXXXX XXXX XXXX department who are very aware I have not been able to open a checking account, access and of the money due to me, among many of the terrible things I have been experiencing over the years in both the state of XXXX XXXX and the state of XXXX XXXX when it come to opening up checking accounts at the banks that are said I can go to access my cash and provide for myself and my children with. I havent as of yet had a real sufficient checking account yet.
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| 08/11/2021 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
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Web |
Older American |
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To Whom It May Concern : I am writing this complaint mainly against Ally Bank although XXXX XXXX XXXX is also implemented in this complaint. Its a little complex so I wasnt 100 % sure which box to check in the preface of the on-line form.
On approximately XX/XX/XXXX I went to XXXX XXXX XXXX XXXX and purchased a used XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). My problems started when I was pressured into buying and extended warranty. Later the paper work was given to me to sign. When I looked at it I saw the figures were a little off. I was told that the extended warranty was {$3000.00} but in the paperwork when I questioned it showed {$4000.00}. I had already agreed on the monthly payments so after a few minutes of back forth and the Financial person telling me that this would cover the whole car I agreed, besides I really needed a car and I believed that this was a reputable car dealer. All of this was done through the bank of their choosing, Ally. The very next day while driving the car in the daylight I noticed it had a lot of very small chips in the front windshield. I complained to the dealership and drove the car back out for them to see it. I also complained to an on-line website that was affiliated with them that publicly published such complaints and the results. XXXX XXXX XXXX promised to replace the windshield and said that they would call me with a date. Meanwhile, I was sent an e-mail from this on line company asking was my problem resolved I said yes, believing that it would be. The following week I was called to come to the dealership. I met a guy from a glass company provided by them. He looked at the front windshield and said that there were too many chips and that the windshield would have to be replaced, he thought he was coming to fix a small crack or a bigger single chip. I asked him would he come in and explain that to the manager. He did and they promised me, the assistant manager and elderly blonde, that the manager would call me back with an answer. There would be approximately four ( 4 ) calls from me after leading me on, before they made it clear that they wouldnt pay for it.
I was suppose to come back the following week for my tags. At that time I complained that the car had a little rattle when I would suddenly accelerate to pass. I asked if it may be low on oil. They took it downstairs below and checked it. They said it was OK and that they added a little oil. It seemed to help. I just babied it when I wanted to pass someone. Again, I had to come back because from the beginning there never was a tag mount for the front of the car and the holes for the bag tag didnt line up. They forced some screws in the back of the back tag mount and never mounted the front mount. They told me it would fit. A local mechanic finally told me that the car was designed for XXXX plates. I had to pay someone to drill new holes for the front plate. The mount was useless. The back plate moved around and was loose because the screws didnt go all the way in.
About 3500 miles later the rattle came back even though I would baby it on the highway. One day on the wat back from XXXX, Va. The rattle got louder. I stopped the car and had it towed back to my home in XXXX XXXX, Md. The next day I made an apt . to a shop close to my home the mechanic there told me that whomever had the car before me apparently raced it. He said if you have a warranty get it fixed and get rid of it. I took it to XXXX XXXX XXXX MD. They used the warranty to fix it. They said that They replaced it with a used engine. I still felt shakiness in the motor and it still had a small rattle sound so I was unsure if the motor was replaced. I barely drove it after that. Within weeks maybe two months along with the light rattle and shakiness the car started to over heat while I was being pickup at a treatment center in Pa. Again, I had the car towed from XXXX XXXX Pa. to XXXX XXXX XXXX in Md. A little over {$200.00} this time even with my gold XXXX membership. The car was definitely a LEMON. In XXXX of XXXX I had gotten behind in my payments. I called them and tried to make pay arrangements. I spoke with a woman. She said she would call me back. I never heard from her until mid XXXX, a month later. In our conversation I again explained my situation and told her I was in training for a different job and wanted to know what kind of arrangements could be made. She asked me surprisingly, if the car was still in my possession. I said yes, why she led me to believe that they were going to repossess the car or had already tried. At that point I told her to come and get it that I was still in training and would probably be a couple of months before I could restart payments. She didnt want to hear of it, She wanted all of the arrear amount at once. She said OK. I left the car on the street no one ever came to get it. The next month when I finished my training COVID hit. I was notified from Homeland security that we would be put on hold until further notice because of the pandemic. Two to three days later I called Ally and spoke with a man this time he said it didnt matter if I talked to the same person he could help me. I told him, Come and get the car my job is on hold and I cant pay for it. He promised that he would take care of it. I never heard back from him or anyone. In late XXXX I was diagnosed with throat XXXX that has until now left me XXXX XXXX. In XXXX I started treatment Which took me up until Early XX/XX/XXXX. I had my niece called ALLY and again come and get the car because of my condition. She told them that the car was at XXXX XXXX XXXX. They said they would come and get it. Never did and never called. In XXXX I had a neighbor call them again, again same results. They said they would never did. Finally, a lawyer from XXXX XXXX XXXX called me to see if I would sign it away so he could sell it for parts. I told him to call back Ally and see what they say. If I remember correctly he had called and they still wouldnt come that is why he called me. XXXX in XX/XX/XXXX I struggle with what little voice that I had then to ask when were they coming to pick up the car. I told him that it this was the 4th or 5th time I have called you all and no one ever calls back or go pick up the car. He put me on hold and came back and said I see you have never been served any papers and I do see where your niece XXXX XXXX called in XXXX for us to pick up the car. I then said so you have been taking notes and documenting everything. He said he would take care of it right away. He said that he would email me a document or mail it. It was a voluntary surrender form but that they will come and get the car. This time I ask the guy what was his name. He spoke with what seemed to be a XXXX XXXX accent, he said his name was XXXX and spelled it that way. And As usual I never heard from XXXX or Ally again.
One of my biggest problem with this is I believe I was sold a LEMON. I believe that something was incorrect with the car and the whole sale. From XX/XX/XXXX until XX/XX/XXXX I have received no phone calls. No car pickup, No missed calls, no written correspondence, not a peep unless I was calling them. On approximately XXXX XXXXof XXXX XXXX I received a packet from the court with a court date of XX/XX/XXXX. The packet contained documents of the transaction and some statements that are questionable. On XX/XX/XXXX I received another letter from the court saying that that case was cancelled. A week later I received two other letters that said that the case was dismissed pursuant to Maryland Rule 3-506. By order of : HON. XXXX XXXX XXXX. Then right after a letter telling me that its a charge-off loss and that it has been referred off to their asset recovery Center. I am not calling them again. It has already been 5 or 6 time with never a response.
All of this time that they never wanted to pick up the car or initially make payment arrangements, they constantly reported late payments to the credit bureau ruining my credit. They never tried to remedy the issue rather ruin my life. This so wrong and I feel they are obligated to fix this.
|
| 09/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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This notice is my, required by law, demand to cease and desist collection activities prior to validation of purported debt and you must validate the enclosed claim of an alleged debt. You must provide verification that an actual debt really exists by producing the following :. ( 1 ) The name and address of the organization or other governmental unit alleging a debt ;. ( 2 ) The name and address of the person or persons in that organization or other governmental unit alleging a claim of a debt ;. ( 3 ) The name of the actual creditor even if that is myself ;. ( 4 ) The origin of the funds used to create this alleged claim of a debt. ( 5 ) The actual records of the organization or other government unit showing the time and place of the deposit and distribution of the funds used to create this alleged claim of debt.
. ( 6 ) The actual records of the organization or other governmental unit showing that an actual loan was made from the organization or other governmental units own funds that resulted in the enclosed alleged claim of a debt.
. ( 7 ) The actual records of the organization or other governmental unit with a live signature on any and all document/instrument ( s ) used to allege the existence of a real loan of funds or debt from the organization or other governmental unit to myself or anyone else by a similar name.
. ( 8 ) Be advised that verification is defined ( Blacks Law Dictionary, 6th Edition ) as follows : Confirmation of correctness, truth, or authenticity, by affidavit, oath or deposition. Affidavit of truth of matter stated and object of verification is to assure good faith in averments or statements of party.
. ( 9 ) The actual records of the organization or other governmental unit showing that an honest disclosure of facts relating to the alleged loan was made by the organization or other governmental unit in compliance with the truth in lending laws of the United States Code, Title 15 1601 et. seq. and Regulation Z.
. ( 10 ) The actual records of the organization or other governmental unit showing that any and all document/instrument ( s ) containing my signature or the likeness of my signature were not negotiated or pledged by the organization or other governmental unit against my credit to create the funds used for the appearance of a debt and resulting in this alleged claim of debt.
2 ( 11 ) The person that prepares and swears to the validation of debt must describe : 1 ) your job description on a daily basis ; 2 ) if you are the regular keeper of those books and records and are familiar with how they are kept and their contents ; 3 ) how long have you been in your position ; 4 ) when did you first come in contact with the alleged account/debt ; 5 ) how frequently do you work with the files and information they are presenting to verify/validate the alleged debt ; 6 ) are you the person/employee who regularly works with the alleged account/debt ; and 7 ) do you have personal knowledge about the alleged debt and/or any alleged account.
15 U.S.C. 1692 ( e ) states that a false, deceptive, and misleading representation, in connection with the collection of any debt, includes the false representation of the character or legal status of any debt and further makes a threat to take any action that can not legally be taken a deceptive practice.
Pursuant to 15 U.S.C. 1692 ( g ) ( 4 ) Validation of Debts, if you have evidence to validate your claim that the attached presentment does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within 30 days, you provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate your claim. Until the requirements of the Fair Debt Collection Practices Act have been complied with and your claim is verified/validated, you have no consent to continue any collection activities.
This is a constructive notice that, absent the validation of your claim within 30 days, you must cease and desist any and all collection activity and are prohibited from contacting me through the mail, by telephone, in person, at my home, or at my work. You are further prohibited from contacting any other third party. Each and every attempted contact, in violation of this act, will constitute harassment and defamation of character and will subject your agency and/or attorney and any and all agents in his/her individual capacities, who take part in such harassment, and defamation, to a liability for actual damages, as well as statutory damages of up to {$1000.00} for each and every violation, and a further liability for legal fees to be paid to any counsel which I may retain. Further, absent such validation of your claim, you are prohibited from filing any notice of lien and/or levy or judgment and are also barred from reporting any derogatory credit information to any credit reporting agency, regarding this disputed purported debt.
Further, pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692 ( g ) ( 8 ), as you are merely an agency or other governmental unit of the United States, acting on someone elses behalf, this is a demand that you provide the name of the original principal, or holder in due course, for whom you are attempting to collect this alleged debt.
Please take notice that this is a criminal investigation of the business practices of the above- named organization or other governmental unit, its agents, officers, employees and attorney to determine violations of the United States criminal laws. Your enclosed 3 claim of collection of a purported debt appears to be founded upon a false record in violation of U.S.C. Title 18 2071 and 2073 ( falsifying records ) and further; uttering and possessing false obligations and counterfeit securities based upon the falsified records in violation of U.S.C. Title 18 471, 472, 473 and/or 513, and further : using corrupt business practices to make and possess false records and claim of obligation, not substantiated by truthful facts in violation of the Federal Racketeer Influences and Corrupt Organization ( RICO ), U.S.C. Title 18 1961 et. seq. and further : using the U.S. Mail to present such fraud and false instruments amounting to Mail Fraud, criminal conduct falling under Title 18 U.S.C. 1341 Frauds and Swindles laws, and further sending mail with false and fictitious names, a criminal conduct falling under Title 18 U.S.C. 1842 Fictitious Names.
TAKE NOTICE Debt Collectors failure in providing Respondent with the requisite verification, validating the above referenced alleged debt within the requirements of law as codified in the Fair Debt Collection Practices Act, Fair Credit Reporting Act and the corresponding laws of each state, signifies that Debt Collector tacitly agrees that : a. Debt Collector has no lawful, bona fide, verified claim, re the above-referenced alleged account : b. Debt Collector waives any and all claims against Respondent and c. Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs, fees and expenses incurred in defending against this and any and all continued collection attempts, re the above-referenced alleged account.
d. Failure of Debt Collector to properly and legally verify/validate alleged debt as required in this notice is a self-executing irrevocable power of attorney authorizing Respondent/Alleged Debtor named herein to direct the permanent removal, on behalf of the alleged Creditor, of any and all references to said account in any and all credit reporting agency files of any type.
This response will constitute my effort to resolve this on-going debt claim between the parties involved. Until full disclosure is achieved, there can be no case, collection or action. No civil or criminal cause of action can arise lest, out of fraud, there be a valid, honest contract. See Eads v. Marks 249 P. 2d 257, 260.
|
| 08/04/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem related to refinancing
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Web |
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The short version of my complaint is that I firmly believe that XXXX/Ally purposefully refused to return my phone calls to complete the approval on my lease buyout loan so that they could turn around and deny it after the original approval expired. I firmly believe they are being discriminative towards me for a reason that I am still trying to figure out. They have continuously misled me and they have dragged this process on for almost two months now. I also firmly believe that they are either discriminating against me as a person or if not they are purposefully dragging out this process so that I owe them lease extension fees once they completely deny the loan. Here is the longer explanation of the last two months : Back on XX/XX/XXXX I decided to purchase my lease at the end of the contract. I went through all the steps that day with XXXX XXXX at XXXX/Ally to apply for financing. He took down all of my information and went over all the steps and the process. He said it would take a day or two to get the approval back and we ended the call. On XX/XX/XXXX XXXX from XXXX/Ally called me back to tell me that the loan to buy out the lease was approved and he said he was initiating the online portal for me where I could go in and drop all of the documents needed such as pay stubs, etc. I verbally accepted the offer and a day or two later I uploaded all of the needed documents to the online portal. It was after then that all of the trouble started. All of a sudden I stopped receiving phone calls from XXXX/Ally and when I would call to follow up they would just tell me that everything looks good and I have done all that is needed. In a few days I should see the closing documents online for me to sign. They offered to mail them but I said online is best for me. A few more days went by and I heard nothing so I called in again for an update at which time I was told that someone named XXXX was my new loan consultant and they transferred me to her. XXXX gave me the same info, that the process will take some time but assured me the loan was approved and they were working on drawing up my closing docs. Yet again a few more days passed with no communication from XXXX/ally and there were often times I would call and could not even get though to a loan consultant because of high call volumes. I would never let more than 3-4 days go by without following up with XXXX. Now we are at X/XX/17 which is when I decided to record all of my phone calls and communication with XXXX/Ally as I felt they were deliberately not returning my phone calls for whatever reason. I called in on XX/XX/XXXX and I was told I needed to speak to the credit department to verify some information. I was transferred to the department and they simply asked me to verify some basic information. The gentleman said he was going to transfer me to a loan consultant now but they were busy so he would have someone call me back by noon on X/XX/17. X/XX/17 at XXXX comes around and there is no phone call from XXXX/Ally. I called in later that afternoon to ask for an update and I was transferred to XXXX XXXX who said there was strangely no loan consultant assigned to my file. I told here I was working with XXXX and then XXXX but XXXX said that she would just take in my file to finish it up since she can see its been a long process. She said the loan was approved and she could see that I already uploaded all of my documents to the portal. She would work on finishing up my file and get the closing docs drawn and then call me the next day to update me. XX/XX/XXXX No call back from XXXX/Ally again so I called in again to ask for an update. XXXX no available. I continued to call in every couple of days only to be told that a loan consultant would call me back soon. I eventually asked to speak to a manager because im never getting a call back when im told that I would. Fast forward to XX/XX/XXXX which is when XXXX XXXX finally returned my phone call. She told me that she is prepping the closing docs and I would definitely see them on the web on a few days and that she would follow up with me. She apologized for the bad communication and blamed it on the fact they are really backed up and its a separate dept that draws docs. XX/XX/XXXX Im still waiting for the closing docs and a call back from XXXX. I am being patient since she said they are really backed up. I get a call today from a customer service rep who says. Your loan has been approved and we would like to talk about the offer that we have for you. I said OK but I already had an application approved so he transferred to XXXX, who I had worked with once before. She told me that it was a duplicate loan and to just ignore it and that she would delete it. She confirmed she could see the original loan in the system and that everything was fine. I asked her to email XXXX XXXX to call me back when she could. XX/XX/XXXX XXXX calls me later that day and says Yeah I had to redo the loan but it was no big deal and she would call me back as soon as she is able to correct the duplicate loan issue. She promised me that she would call me back in two days or less. XX/XX/XXXX XXXX calls me back ( First time she/XXXX/ally has ever returned my phone call ) and she told me that She received an answer back from the lender ( ally ) and the application was denied. I immediately got upset and told her that the loan was already approved and when I talked to her last week she was drawing closing docs as if the loan was already done. After asking more questions XXXX finally revealed that the original application that was approved had expired and she had to submit a new one and that one was denied but could not tell me why. I immediately asked to speak to a manager who said they would look into the file further. He said he would call me back by EOD on XX/XX/XXXX. XX/XX/XXXX No phone call back, of course, so I called in and explained the situation only to be placed on hold for 40 minutes. I could not wait so I hung up and called back on XX/XX/XXXX. XX/XX/XXXX Called in and I was told the person I talked to, XXXX, worked in the CA office and they were not in yet. The rep was sending an email to him to have him call me when he got in. XX/XX/XXXX Never got a call from XXXX so I called in asking for an update and another manager told me that they were working with Ally managers to clear up the issue and they would call me back in a day or so. XX/XX/XXXX No phone call back again So I called in and spoke to XXXX XXXX who said the app was declined. I asked for more information as I was confused why, after all the issues, he was just simply saying its declined. I was asking for more information and he was very vague and would give me zero information on the decline. I asked him why would it be approved on the original application and not on the second application that I didnt know was being submitted. I mentioned that I had no idea my credit was being ran again and that I did not give permission for that credit pull. He just kept being very vague and dodging my questions. He did says he would start some fires and find out what changed to cause the decline. He mentioned I needed to contact ally to find out why it was declined. XX/XX/XXXX Called the lease buy out dept at ally and gave a short version of my issues and that I was directed to call them. The lady was very confused and said there was nothing she could do and she was unable to answer my questions. She was confused why XXXX divison would tell me to call an ally department directly because there is just nothing she can do. She was drafting an email to upper management on the issue and said I would receive a call the same day, if not the next business day. XX/XX/XXXX XXXX Currently still waiting for a call back.
|
| 02/16/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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|
Web |
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Here is the copy of the complaint letter I sent Ally Financial. It contains the details of my vehicle repossession. The letter does not contain the conclusion, which happened yesterday. It involved me being harassed, sweared at, and intimidated by the two large men at the tow company where I collected my vehicle. That incident left me shaking so badly that I could not drive my car home and had to sit on the side of the road in 20 degree weather until I regained control.
I have called the company many times, emailed them, contacted them through social media. I have only received direction to send them the letter pasted below. That's it.
XX/XX/XXXX Ally Financial Complaint Department XXXX XXXX XXXX XXXX, MN XXXX RE : Account XXXX Dear Sir/Madam, On the afternoon of Saturday, XX/XX/XXXX, my family, and I experienced a devastating and humiliating act of having our XXXX XXXX XXXX repossessed publicly in front of several friends and family. The event was traumatic for my children and humiliated us in front of people that we will live with and see during our everyday life. This event has affected us beyond that day.
The reason for this letter is because the event that was ordered by Ally Financial was not necessary. I have spent the last three days speaking with representatives at Ally to figure out why this happened.
Here is what I discovered : 1. There appears to have been a lapse in payment around the time Ally purchased our loan. This was not communicated to us. We have paid the monthly fee requested but did not recognize that there was any issue with the payments we were consistently making.
2. There was no phone call nor was there a noticed mailed as required by Massachusetts law ( Ref Massachusetts Motor Vehicle Sales Act ). An Ally representative with access to my account verbally told me that an attempt had been made to an old number, but the secondary number was not called. And she confirmed no warning notice was ever mailed.
XXXX. Upon review of past statements, the amount due is confusing. There are several amount totals on the statement. There was no intention of not paying the Ally loan. Regular payments have been made over the year of our agreement.
Ally Financial did not communicate or attempt to follow the Massachusetts Motor Vehicle Sales act to address the issues with our account status.
Additionally, the process for getting my car back is still unresolved as I write this letter. Here is the process of recovering my unjustly-confiscated vehicle : 1. Once the Ally repossession office opened Monday morning, I quickly called and settled the payment. Settling the payment took 2 hours because Ally would not take a debit card or let me pay through the Ally website. I had to go to a XXXX and use the same debit card to generate a moneygraham which incurred an {$8.00} fee.
2. After confirming the payment had been received and waiting for a representative ( 3rd representative I spoke to on XX/XX/XXXX ) I was given a phone number for XXXX XXXX XXXX. I called that number and received no answer. I called a second time and got a dial directory that sent me to a call back request. I called Ally back for assistance and they told me to just wait in the line. I did this a few more times.
3. When I reached a repo office representative on the phone number provided, she answered with a different company name than XXXX XXXX. Still, she was able to locate my account, but told me that no approval for release was received. I called Ally back ( 5th Ally representative of the day ) and requested help communicating with the repossession company main office in Tennessee. I was not provided with communication assistance, but the Ally representative resubmitted my release approval document.
6. I made a 3rd call to the company XXXX XXXX XXXX XXXX XXXX not sure what the real company is called ). They were able to locate my release document from Ally and provide me with the name of the contractor that towed my car 2 days earlier. They gave me the company name XXXX and a phone number of XXXX.
7. I called the phone number provided. It was not a working number. I did a web search for the company and the phone number. The first result was snarerecovery.com. On their website the phone number was listed as XXXX, not XXXX. I called this number and spoke to a man who did not identify himself. He told me to go to the XXXX XXXXebsite and schedule an appointment. I hung up and took the first appointment which was for the following day, XX/XX/XXXX at noon.
8. I received a text confirmation for the appointment time, but no location. I called XXXX back at XXXX. The same man answered, and I explained I was the one just called and that I had created an appointment for tomorrow but received no information of where that appointment was to be. The man said that I should have gotten an email, not a text message and to just wait for the email.
9. After waiting for a couple hours, I called Ally back again to ask for assistance with getting the location of my vehicle. I wanted to no this in order to determine if I needed to take another day off of work to drive there or if it was closer to me. The ally representative ( 6th Ally representative ) and he said he called the number listed in their system and got no answer. I confirmed with the representative that he had the wrong number for XXXX and provided him with the correct number. He put me on hold again while he called the new number. After about 2 minutes I was disconnected. I waited 20 minutes and no attempt was made to call me back. So, I called Ally again.
XXXX. During this 7th call to Ally in one day, I began to fill out a complaint online with the MA attorney generals office over this matter. I asked the Ally representative to call the XXXX number XXXX to confirm that the needed documents were received and to confirm the location of my appointment.
The Ally representative would not assist me with calling XXXX. She told me that someone from XXXX has to let me know where to go. They dont want people coming early to their appointments. At that point, I gave up seeking assistance and requested contact for sending a formal complaint to Ally. The representative gave me the main XXXX XXXX XXXX, XXXX, MN XXXX.
I still do not know the location of my car and Ally is not willing or able assisting me.
I am requesting : 1. To be reimbursed for the {$400.00} impound/towing fee or to have that amount applied to my loan.
2. To be reimbursed for the {$8.00} moneygraham fee or to have that amount applied to my loan.
3. A lower APR rate on the remaining balance of my loan. The current rate is 12.04 % 4. I was advised that there could be additional charges sent to me over the next 45 days such as key replicating charges. Since the tow driver didnt ask for my key, this could be possible. I would like to be reimbursed for any expenses such as this that may come between now and when we resolve this conflict.
I believe that this is a fair request given the unjust action that was taken against my family.
I can be reached at : Phone : XXXX Mail : XXXX XXXX XXXX, XXXX, MA XXXX Email : XXXX This communication has been sent via registered mail. I am requesting a response within 21 days of receipt. If a response is not made or if the response does not address the damages I have suffered ( listed above ) I will proceed with filing a formal complaint through my attorney.
I do hope that we can resolve this out of a court setting and that Ally Financial can improve its communication and customer support practices.
Sincerely, XXXX XXXX Ally Account # XXXX CC : XXXX XXXX XXXX of the Attorney General XXXX XXXX XXXX Fl XXXX XXXX, MA XXXX
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| 01/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I have furnished ALLY FINANCIAL with multiple notices of my consumer right to rescind according to truth in lending act ( TILA ) and the Code of Federal Regulations ) ( CFR ) to the businesses listed addresses as well as multiple complaints filed through the CFPB which still hasnt gotten ALLY FINANCIAL to honor and initiate the rescission process. As stated above in the effects of rescission, within XXXX calendar days after receipt of a notice of rescission, the creditor shall return any money or property that has been given to anyone in connection with the transaction and shall take any action necessary to reflect the termination of the security interest. The 20 day time period thats lawfully granted to you has been tremendously overdue as I sent the first notice out XXXX months ago. I was never given a right to rescind which is required by law to be furnished to the consumer and if not provided that in a timely manner or at all, could void the entire contract which in this case voids the entire contract. I demand the title of the vehicle to be mailed to address listed above being that the car included in the contract is MY PRINCIPLE PLACE OF DWELLING. I demand ANY and ALL funds associated with this transaction that I as the consumer, under duress provided to the financial agency which is clearly unlawful due to the fact that ALLY FINANCIAL purchased and obtained my consumer information illegally.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 LAST NOTICE OF RIGHT OF RESCISSION 12 CFR Part 1026 ( Regulation Z ) 1026.23 ( a ) Right of rescission and ( 1 ) Consumers right of rescind Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
Despite three written requests and multiple recorded phone calls, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer who has sued Equifax in the past and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
According to Consumer laws and regulations, 12 CFR Part 1026 ( Regulation Z ) 1026.23 ( a ) Right of rescission and ( 1 ) Consumers right of rescind clearly states that : ( a ) ( 1 ) In a credit transaction in which a security interest is or will be retained or acquired in a consumer 's principal dwelling, each consumer whose ownership interest is or will be subject to the security interest shall have the right to rescind the transaction, except for transactions described in paragraph ( f ) of this section. For purposes of this section, the addition to an existing obligation of a security interest in a consumer 's principal dwelling is a transaction. The right of rescission applies only to the addition of the security interest and not the existing obligation. The creditor shall deliver the notice required by paragraph ( b ) of this section but need not deliver new material disclosures. Delivery of the required notice shall begin the rescission period.
( a ) ( 2 ) Consumers exercise of right. To exercise the right to rescind, the consumer shall notify the creditor of the rescission by mail, telegram or other means of written communication. Notice is considered given when mailed, when filed for telegraphic transmission or, if sent by other means, when delivered to the creditor 's designated place of business.
( a ) ( 3 ) ( i ) Rescission Period. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by paragraph ( b ) of this section, or delivery of all material disclosures, whichever occurs last. If the required notice or material disclosures are not delivered, the right to rescind shall expire 3 years after consummation, upon transfer of all of the consumer 's interest in the property, upon sale of the property, whichever occurs first. In the case of certain administrative proceedings, the rescission period shall be extended in accordance with section 125 ( f ) of the Act.
( a ) ( 3 ) ( ii ) For purposes of this paragraph ( a ) ( 3 ), the term material disclosures means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, and the disclosures and limitations referred to in 1026.32 ( c ) and ( d ) and 1026.43 ( g ).
( b ) ( 1 ) Notice of right to rescind. In a transaction subject to rescission, a creditor shall deliver two copies of the notice of the right to rescind to each consumer entitled to rescind ( one copy to each if the notice is delivered in electronic form in accordance with the consumer consent and other applicable provisions of the XXXX XXXX ). The notice shall be on a separate document that identifies the transaction and shall clearly and conspicuously disclose the following : ( i ) The retention or acquisition of a security interest in the consumer 's principal dwelling.
( ii ) The consumer 's right to rescind the transaction.
( iii ) How to exercise the right to rescind, with a form for that purpose, designating the address of the creditor 's place of business.
( iv ) The effects of rescission, as described in paragraph ( d ) of this section.
( v ) The date the rescission period expires.
( XXXX ) Proper form of notice. To satisfy the disclosure requirements of paragraph ( b ) ( XXXX ) of this section, the creditor shall provide the appropriate model form in appendix H of this part or a substantially similar notice..
( d ) Effects of rescission.
( XXXX ) When a consumer rescinds a transaction, the security interest giving rise to the right of rescission becomes void and the consumer shall not be liable for any amount, including any finance charge.
( XXXX ) Within XXXX calendar days after receipt of a notice of rescission, the creditor shall return any money or property that has been given to anyone in connection with the transaction and shall take any action necessary to reflect the termination of the security interest.
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| 09/20/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Credit denial
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Web |
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I asked Ally financial and XXXX XXXX XXXX about my denied application and they refused to talk to me or discuss anything that I wanted to talk about.
They stated that ally financial We can not provide credit to you on the terms you requested.
I have not requested any terms other than no down payment but instead charge all charges to the finance charge. They stated there was a finance charge and that they were in compliance with truth and lending. so why havent i been given the vehicle i paid for?
In accordance with my last complaint, a finance charge covers ALL charges and that it does not include charges of a type payable in a cash transaction.
So why was I charged a downpayment?
It is illegal to charge a downpayment in a consumer credit transaction according to the FDIC 15 USC 1662 They also stated we generally sale or lease vehicles on credit only. If a third-party like a bank or finance company will agree to buy the contract from us on terms that are financially acceptable to us.
This is proof that they have furnished me with a deceptive form creating the belief that there is a debt that i would owe Legal definition of debt means that there is a credit liability owed to me ( which there now is ) The application they provided me is really a financial asset ( promissory note, which is a form of payment ) that they have made me sign, unknowingly giving them my permission to access my assets from XXXX XXXX que trust account with the US Treasury Then after telling me that my application was denied, They sell the securities & promissory note to the secondary market.
My signature on the deceiving application granted them the right to purchase my assets on my credit.
They are now obligated to repay me the credit liability. I am the grantor of the trust and they are supposed to be the agent ( trustee ) Who execute my transaction but instead of doing that they have deceived me and withheld me from the receipt of my transaction/trade for my benefit. Then had the nerve to sell it for their benefit.
This is clearly a pawn transaction according to law that they have willingly and knowingly deceived me into signing and then refused to give me the car that I paid for simply because I didnt want to put a down payment which is clearly ILLEGAL in a transaction that uses consumers credit UNLESS they charge the SAME down payment to EVERY customer! They clearly do not charge a downpayment in the same amount to EVERY customer/consumer.
They have also told me they generally sell leaves vehicles on credit only According to the law 12 CFR S 1002.2 Credit means The right granted by a creditor to an applicant to deferred payment of a debt, incur debt and defer its payment, or purchase property or services and defer payment therefore.
In broader terms credit means ; the creditors decision to delay payment of a financial obligation, become liable to the delayed financial obligation and delay payment, OR purchase property or services and delay payment thus-for.
This means that the creditor passes their debt down to you while withholding payment on their debt. Then they make you sign a deceiving application ( promissory note; turned into monies after signing ) giving them your authorization to access your assets. ( XXXX XXXX tXXXX ) This is why they ask for the Social Security number in my signature and also failed to disclose what a finance charge is required by law.
I, XXXX : XXXX XXXX did NOT authorize upsell.
Promissory note- promise to deposit of monies signed by the marker ( consumer ) According to the FDIC Adverse action is when the applicant applied IN ACCORDANCE with the creditors procedures, A refusal to refinance or extend the term of a business or other loan is adverse action.
Applicant- request to assume loan if a mortgagor sales or transfer is the mortgaged property and the buyer makes an application to the creditor to assume the mortgage loan the mortgagee must treat the buyer as an applicant unless its policy is not to permit assumptions.
this means that the creditor is requesting me to assume their loan. It is unlawful to request assumption of a loan in a deceiving way.
They stated the factoring decisions to deny me a extension of my own credit was that I didnt want to put down the down payment & that my credit score had no comp or auto installment loan.
However those are factors, but NOT Deciding Factors!
Why was I charged a down payment when all other applicants have not been charged that SAME AMOUNT? That is illegal.
According to the FDIC procedures used states The term procedures refers to the actual practices followed by a creditor for making credit decisions as well as its stated application procedures for example if a creditor stated policy is to require all applications to be in writing on the creditors application form, but the creditor also makes credit decisions based on oral request, The creditors procedures are to except both oral and written application.
Legally they have to have procedures that charge the same down payment to every customer!
So why do I have to pay a XXXX down payment if everyone else has not paid that same amount but on top of me not paying a down payment the finance charge covers everything so there is nothing for me to pay as everything has already been paid for with my signature on the deceiving application ( promissory note ) Also according to the IRS Exempt transactions states The law exams some transactions from being prohibited transactions. For example, if you are a disqualified person and receive any benefit to which you are entitled as a plan participant or beneficiary ( such as a participant loan ), this is not considered a prohibited transaction. However, the benefit must be ON THE SAME TERMS AS FOR ALL OTHER PARTICIPANTS AND BENEFICIARIES.
I am the beneficiary and I have not received my benefit they, the fiduciaries/creditor, have acted only in THEIR best interest ( upselling and stealing my assets from my Cestui que trust ) and then refused to give me the benefit that I participated for!!
This is also a prohibited transaction according to 26 USC S 4975 prohibited transaction states General rule for purposes of this section, the term prohibited transaction means any direct or indirect sale or exchange, or leasing, of any property between a plan and a disqualified person lending of money or other extension of credit between a plan and a disqualify person furnishing of goods services or facilities between a plan and a disqualify person transferred to or use by or for the benefit of a disqualify percent of the income or assets of a plant act by a disqualified person who is a fiduciary whereby he deals with the income or assets of a plan in his own interest or for his own account or receipt of any consideration for his own personal account by any disqualify person who is a fiduciary from any party dealing with the plan in connection with a transaction involving the income or assets of the plan.
When I signed the promissory note/deceiving application they accepted a fiduciary obligation ( contract ) acting as my Trustee of the trust. Because they excepted the application they are supposed to do what is in the beneficiaries best interest but instead they have deceived me and did the exact opposite- acting in only their best interest.
this complaint has been sent by overnight express mail to the US Department of treasury. They will confirm weather ally financial accessed my XXXX XXXX trust account. Check attachments for proof.
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| 10/31/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Problem with additional add-on products or services purchased with the loan
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Web |
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On XX/XX/XXXX I went to XXXX XXXX XXXX XXXX XXXX XXXX to purchase a Used XXXX XXXX XXXX XXXX XXXX. I saw the car in XXXX and called the dealership and verified the car was still available. I then proceeded to go see the car and take it for a XXXX XXXX. Upon arrival of the Dealership I met with Salesman XXXX XXXX. XXXX was very nice. I advised him what car I was interested in and he advised it was available and proceeded to recover the car from their inventory for a XXXX XXXX. I went on a XXXX XXXX and found that I really enjoyed the car. I did however, thought there was a slight inbalance in the stability of the car and thought it might be a tire. Overall, I liked the car and wanted to proceed with a purchase. Upon returning to XXXX 's desk, I did mention the issue of the ride, thinking it was a tire. He didn't respond, but acknowledged the comment. He then introduced me to XXXX XXXX, who I believed was a XXXX of the store. XXXX and I began to discuss the Trade I had, a XXXX XXXX XXXX XXXX XXXX with XXXX XXXX Miles at that moment. After some negotion, we agreed on an " Out the Door '' Price of {$21000.00}. This was the Net Price after my Trade. The Original Cost of the Car was $ XXXX breakdown was itemized as follows : Cost of Car {$34000.00} Secured Theft Protection {$470.00} Trade Allowance $ ( XXXX ) Registration {$130.00} Documentation {$790.00} NEW JERSEY SALES TAX {$1300.00} TOTAL NET SALE : {$21000.00} That all being said, it seemed like a fair deal. However, I did not want or ask for the above mentioned Theft Protection, yet later learned that it was added in my Amount Financed, but not displayed on the Retail Installment Contract. It was then decided, that as opposed to a full cash payment of the XXXX I would XXXX the XXXX. I then met with XXXX XXXX, XXXX came over, introduced himself and asked me for my Social Security number to run my Credit Report and my Address. I provided them both. Several Minutes had then passed and XXXX then came to retrieve me from XXXX XXXX so that we XXXX go Close on the Terms of the Loan. When I entered XXXX 's office, I noticed that XXXX had both of his Computer Monitors facing away from the XXXX XXXX. I sat at XXXX 's desk and he put in front of me a small electronic signing device, he explained to me that he would explain each document to me then would have me sign. While I thought this was odd, I naturally assumed he was acting in XXXX XXXX. He begain by giving me payment options, he asked me how long I wanted the XXXX of the XXXX for and he offered me Terms for XXXX, XXXX and 60 Months. I chose the 60 Months. We then discussed a Tire and Wheel Policy that would cover my Tire and Wheels on the car, stated to me the prices of Financing the Tire and Wheel Policy which was a cost of {$1200.00} +Taxes of XXXX {$120.00}. I elected to Pay the cost of the Policy up front via a Credit Card and he stated he would add {$2.00} to my Monthly payment to cover the Taxes. I asked to see the XXXX Scores he had, he showed me a high Score of XXXX and stated that my rate was 11.24 %. This appeared a bit high, considering I have paid XXXX car loans in good standing and I pay my current bills on time. Needless to say, we proceeded. XXXX stated that my 60 Month Term resulted in a Monthly Payment of {$470.00} and he added the {$2.00} in for the Taxes ( Tire and Wheel Policy ) for a total of {$470.00}. While not providing me any physical documents througout the entire process and my soley relying on his explanation of each I proceeded to sign all that he asked me to. He than XXXX me and thanked me. He provided me a XXXX XXXX with what he stated had a copy of each document that I signed. Upon arriving home, in my new purchase, I proceeded to review the documents. That is when I discovered some things that I questioned. XXXX, during our Closing XXXX stated to me, that the XXXX for my Tire and Wheel XXXX he would show me as down payment, he asked me if that was ok and me not knowing any better agreed. However, while he showed the {$1200.00} as a Down Payment of the Tire and Wheel Policy, he also showed it listed in the " Items of Amount Financed ''. That being said, this number was carried into the XXXX XXXX XXXX. I was a bit confused bye this as I had given XXXX XXXX Credit Card so he can not add it in the Loan and Charge it outside of the Contract. This Item appears as though he added it to my loan. Further, with regards to the {$470.00}, secured Theft Protection intially shown on the negotiation document, I didn't want that, and yet I signed for it and didn't know that too was added in my XXXX. Again please recall he never presented me with the XXXX XXXX XXXX and didn't explain it. That being said, this was all very confusing to me. That being said, the same night I put a Block on my Credit Card as to prevent any " Double Dipping '' by XXXX. That night I wrote him an email quesitoning the Policy of {$1200.00}, being added to the Amount Financed, after I had given him a Credit Card to Charge outside of the Contract. I further questioned the Secured Theft XXXX of {$470.00}. While I do want the Tire and Wheel Policy, I didn't want a Secured Theft Package as I'm not sure I need that. The following day I went down to a local dealership and a friendly Finance XXXX from the XXXX dealership provided me a courtesy review of the XXXX XXXX XXXX. He stated the structure looked correct but encouraged me to speak to a XXXX. It just so happens I am a XXXX of XXXX XXXX and called an Attorney. I spoke with Attorney XXXX XXXX. After a Review of the Retail Installment Agreeemnt Attorney XXXX Questioned the Retail Installment Contract showing the Tire and Wheel Policy as a Down Payment. I advised her, that XXXX stated he would do that, asked if it was ok, and I not knowing any better said yes. Further, she also discovered herself the sale of the {$470.00} XXXX XXXX XXXX, which I didn't want. XXXX her review I didn't know of this and wondered why it wasn't listed on the Itemization of XXXX XXXX. Moreover, I question this as the NSD Warranty was NOT disclosed to me and the Amount of the Tire and Wheel Policy was Shown as a Down Payment and then Listed as an Item in the Amount Financed, as well as being Charged to my Credit Card. Is this Double Dipping? I need your help CFPB. Thank you. Happy to provide a Representative a XXXX of the XXXX XXXX XXXX. Again, I did business with XXXX XXXX XXXX located at XXXX Route XXXX, XXXXXXXX XXXX XXXXXXXX. Also, one final and important item. Upon purchasing the vehicle, it was believed that the vehicle being sold to me was in good working order and would pass a NJ XXXX XXXX should it have to. I later learned however, 2 Days after Purchase, while having a XXXX Point Check done at a XXXX XXXX XXXX all XXXX Tires of the Vehicle were experiencing a bad Case of " Tire Rot ''. This is a naturally occuring symptom of the tire XXXX XXXX ware. The XXXX in fact revealed that the Tires would not pass a NJ XXXX XXXX in their current condition. The Master Service Technician from XXXX XXXX XXXX XXXX stated in an email, while all XXXX tires were experiencing Tire Rot, the two Rear Tires were really bad and again, reiterated they would not pass a NJ XXXX XXXX. He further stated they could all present a danger if driving in the rain. That being said, I question How I have an XXXX XXXX on the XXXX till XXXX. Again, CFPB I see your help. Thank you. My Phone number is : XXXX.
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| 09/05/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Repossession
- Company communicating payment assistance or payment extension options
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Web |
Servicemember |
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I am writing to you to request assistance in resolving a matter I have unsuccessfully attempted to resolve directly with Ally call center representatives for many months now. This is regarding a legal verbal agreement entered into by your associate- XXXX- and my husband/account holder- XXXX. We have been attempting to make contact and communicate with XXXX ( I was given only a first name and told that was enough to identify her due to account notes ) since before XXXX, XXXX and have received no response from her. I have left more than 40 voicemails myself, at times leaving at least one a day pleading for a response. I never received one. The number I have consistently tried to reach her on is her direct line- XXXX. I have also reached out and left numerous messages on a general voicemail line for the Executive Customer Relations Department. This ongoing issue has now escalated to the extreme of our vehicle being repossessed, our legal right to speak to someone to discuss this matter especially since it is clear miscommunication somewhere along the line has taken place.
We received a letter from XXXX in the Executive Customer Relations stating that somewhere a payment was missed and that the account was eligible for repossession sometime around XXXX I believe. I assume this letter was in response to the initial voicemails left for XXXX, asking for someone to call back and have an actual conversation since it was previously told to us that this was a verbal agreement and there could be nothing provided in writing regarding the terms or agreement. The letter from XXXX had a phone number which any questions could be answered by calling, well I called and left numerous voicemails there requesting a callback and received only one call back which I received a voicemail stating Ally did not have permission to speak to me, XXXX wife. He has documented giving permission to speak to me many times, once they went as far as making him give consent to speak with me THREE times in the SAME DAY. This should let you know there should be zero confusion if I am authorized on the account or not considering the number of times your associates have spoken to me with zero authorization from XXXX.
I continued trying to reach out to Ally and XXXX, but Allys main line transferred us to the bankruptcy department which then forwards us to redemptions which ends up with an associate of your not allowing myself or my husband to properly explain the situation and request for the proper assistance. I have waited on hold for more than an hour at times asking to speak with a manager to either be hung up on ( if it were an accident, they had verified the best call back number previously and would have utilized it ), or transferred back to the front-line automated system. It became clear very early on that Ally did not have any interest in discussing this matter with us and trying to right their wrongs.
I believe it was XXXX, when my husband was making an online payment and selected a wrong account. He was aware the payment would not clear and immediately corrected this by making the payment from the right account and contacting Ally. He did not assume everything to be in good standings until he called and spoke to an Ally representative who assured him that his latest payment was received and that the account continued to remain in good standing. I personally asked the agent to verify the accounts status because of the bankruptcy and payment agreement and again was assured all was well.
I felt a bit better after our conversation with your representative but still wished to hear it from XXXX herself, the one who had seemingly been avoiding my calls for weeks on end. I slowed down the frequency but continued to call and leave voicemails expressing my concern and asking XXXX to please reach back out.
Come XX/XX/XXXX and as I walk out the front door there is a tow truck from NU-ERA towing claiming to be here to repossess the vehicle we just made the XXXX payment on a few days prior. I again call Ally/XXXX- Executive of Customer Relations dept/ and XXXX who set up the initial agreement and leave voicemails requesting an urgent call back.
As soon as the next business day came, I was back on the phones trying to contact someone who would be aware of the payment arrangement set up with XXXX since most representatives I tried talking to would not let me explain the situation before cutting me off and either transferring to a different dept or hanging up. Again, not an error, or my phone would have rung with a call back from the accidental disconnect. I spent more than 2.5 hours on the phone before being connected with XXXX in the redemptions department who told me he would send this to be investigated further, specifically the phone recordings of the conversations with Ally reps who insisted the account was in good standing which could not have been true since my car was repossessed. XXXX told me in 3-5 business days I personally would receive a call back to my cell phone number which we verified back and forth several times. By XX/XX/XXXX I had not received that follow up call from anyone and my husband called in and was told that XXXX closed the complaint as valid that same day at XXXX CT. Yet again Ally silenced us and never gave us a chance to speak to anyone regarding the specifics of the problems and dismissed this as done and closed. I called back and this time gave my own info and did not allow them to route the call to my husbands account immediately. Feeling the account is being handled with bias I gave the same flat attitude and same explanation of issues to Ally but this time did not provide my husbands name until I had someone willing to listen to what I had to say. I was connected with representative by the name of XXXX XXXX again claims no employee ID or last name, that acct notes will lead you to the right person ). XXXX said he was forwarding this to the Complaints Team Email marked urgent as this issue has quickly become more and more time sensitive. He gave me reference number to the email sent and todays conversation. That reference number is # XXXX and I was informed that it would take 3-5 business days. That would mean someone would contact me back by XX/XX/XXXX specifically after looking into and finding the recorded conversations that your representatives told myself and my husband that his account was in good standing. XX/XX/XXXX, I had not heard from anyone so I contacted Ally again, after more than an hour of hold and transfers I was told by your representative she did not know what I was talking about, could not find that reference number, does not know of a XXXX or see any notes documented from him, but if I was told Id get a call in 3-5 days and havent I should just continue to wait. She also explained she was not willing to release any documents regarding my account and should I want access to them I would need to have them subpoenaed by a judge. She then hung up. I tried again for days, leaving both XXXX and XXXX numerous additional voicemails which have yet to be returned. Im writing to you today XX/XX/XXXX as this issue still has not been properly addressed by Ally and the continued avoidance of conversation can only lead one to believe that there is something Ally is trying to hide.
Once more I am requesting that someone reaches out to me or my husband regarding his account.
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| 04/09/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
Servicemember |
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I am an XXXX XXXX XXXX member domiciled in Louisiana, but assigned to a duty location in Virginia. I leased a new vehicle with Ally Auto in XX/XX/XXXX for 36 months.
On or around XX/XX/XXXX, I received a bill from Ally Auto demanding payment in the amount of {$260.00} for unpaid personal property tax. As a military member living in Virginia only by virtue of military orders, I am exempt from paying personal property tax in Virginia. I immediately took two steps : I ( 1 ) contacted the local tax assessor 's office and provided a copy of military records to ensure that no further personal property taxes were billed ; and ( 2 ) contacted Ally Auto. After waiting for more than an hour, and after getting transferred to Ally 's XXXX department and then Ally 's personal property tax ( PPT ) department, I spoke with XXXX. What I learned is that, on leased vehicles, the city or county assessor 's office bills the lessee ( Ally ) and not the lessor ( me ) ; the lessee ( Ally ) pays the assessor and then passes the cost along to the lessor ( me ). In normal circumstances, this is reasonable ; however, it creates significant problems for military members who are exempt from assessed personal property taxes. XXXX asked me to e-mail a copy of my leave and earning statement ( LES ) to " XXXX. '' On XX/XX/XXXX, I sent a copy of my LES to the provided e-mail address and to the attention of XXXX, as requested.
In early XXXX, XXXX, I again spent an hour on the phone attempting to resolve this issue with Ally. The individual with whom I spoke in Ally 's PPT Department indicated that the {$260.00} charge remained pending because Ally had not yet received a refund from the City of XXXX tax office. In other words, despite the fact that I provided a copy of my LES to Ally and my entitlement to an exemption by virtue of military service, Ally would not zero out my account balance until the City of XXXX refunded the amount Ally paid. This effectively made me responsible for Ally 's error in paying the personal property tax assessment.
I immediately communicated with a tax specialist at the City of XXXX. On XX/XX/XXXX, he confirmed that the lessor ( Ally ) would be refunded the amount paid based on my military exemption. He noted that this process could take 8-10 weeks, but that it would be refunded and that Ally could reach out to the City of XXXX 's Treasurer Department with any questions.
On or around XX/XX/XXXX, and after grounding ( i.e., returning XXXX the leased vehicle before the lease expired, I received an " Account Settlement '' statement from Ally Auto. Ally Auto demanded a close-out payment of {$350.00} for " Other Charges ( Personal Property Tax ). '' Once again, I was forced to call Ally to address this still unaddressed error.
On XX/XX/XXXX, and before contacting Ally ( yet again ), I contacted the tax specialist with the City of XXXX to confirm that the City had refunded Ally for the personal property taxes paid. On XX/XX/XXXX, he responded noting that {$260.00} " was the total XXXX refund '' provided to Ally. He noted that the City had not yet sent out bills for XXXX personal property taxes.
That same day, I contacted Ally 's PPT Department and spoke with XXXX. XXXX confirmed that the additional {$93.00} represented " estimated '' ( by Ally ) personal property taxes on the leased vehicle for the first three months of XXXX. Oddly, even though I had sent Ally my LES, which would confirm my exemption from personal property taxes, Ally still saw fit to bill me an estimated amount for personal property taxes. After XXXX again XXXX detailing my military status and providing him with the background of this dispute since XX/XX/XXXX, XXXX indicated that he would need to " research '' the military exemption. I indicated that I would not pay the {$350.00} in personal property taxes ( because of my military exemption ) and demanded a zero-balance account settlement. At the same time, I also expressed concern that Ally would report my failure to pay this amount to the credit bureaus and/or refer this matter to collections. XXXX confirmed verbally that Ally would not report non-payment of the {$350.00} to the credit bureaus. XXXX said that he needed to " research '' the military exemption. I asked that he communicate with me by e-mail ; he refused ( he also denied having a direct extension, which I know is not true since XXXX provided hers ). He promised, however, to call me back within a few days with an answer.
No surprise, XXXX did not call me within a few days. I did receive a call from another gentleman in Ally 's PPT department on XX/XX/XXXX or XX/XX/XXXX. He noted that he had " worked my issue '' and was surprised it wasn't resolved, but that they were looking into it.
Having heard nothing from Ally, on XX/XX/XXXX, I again contacted Ally 's PPT department. After waiting approximately 45 minutes for someone in the department to answer, I again spoke with XXXX. I first asked for XXXX ; unfortunately, he was " on vacation. '' I again explained to XXXX the predicament. She reviewed their internal notes and asked if I sent an LES to the " XXXX '' address with attention to her ; I confirmed that I had. She asked for the date when I sent that LES ; I told her XX/XX/XXXX. She searched her e-mails but could not locate anything from XX/XX/XXXX. Accordingly, while on the phone, I sent XXXX my LES statements from XXXX and XX/XX/XXXX XXXX to cover tax years XXXX and XXXX ). She confirmed receipt of both LESs.
According to XXXX, she sent the LESs to the " asset recovery '' department. She also reminded me that personal property tax refunds from city or county assessors offices could take 6-8 months. I told her that this was unacceptable and that it was unreasonable to ask me to continue to call back -- and wait on hold just to speak with someone for at least 45 minutes each time -- to address Ally 's error. She asked me to call her back on Friday XXXX XX/XX/XXXX ) to see where things stood with the " asset recovery '' department.
On XX/XX/XXXX, I called XXXX. She told me that Ally had not yet received the refund from the XXXX of XXXX for the personal property taxes that Ally paid on the leased vehicle. She also confirmed that the {$93.00} represented Ally 's " estimate '' of the personal property taxes that would be assessed on the leased vehicle for XXXX. She recommended that I pay the {$350.00} to Ally now ( to avoid any hits on my credit for a delinquent debt ) and that, once Ally received the refund from the City of XXXX, then Ally would issue a refund to me. As one might expect, I have little faith in Ally 's ability to manage that shell game.
I told XXXX this was unacceptable and demanded to speak with the " asset recovery '' department. She provided the phone number for that department. I also asked her for the phone number for Ally 's legal department ; she indicated that the " asset recovery '' team could provide that phone number. She offered to transfer me to the " asset recovery '' team and I agreed. Once again, though, my efforts were foiled. Although Ally 's PPT department opens at XXXX XXXX ET, the asset recovery team doesn't open until XXXX XXXX ET. She told me that I could call the number she provided at XXXX XXXX. I decided, instead, to file this complaint.
I am happy to provide any additional detail necessary to remedy this issue.
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| 11/02/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
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my husband and I went to XXXX XXXX XXXX XXXX on XX/XX/XXXX to attempt to trade a vehicle I purchased there 14 months prior. The sales guy, XXXX, said the negative equity was too high, so a deal could not be made ( technically it could, but he seemed eager to let us walk ). I took my children home, annoyed after XXXX walked away without saying anything. My husband stayed and inquired about trading his truck, XXXX XXXX XXXX XXXX to get the car I wanted, and he would take my car. XXXX told my husband his truck would be a wash, meaning no negative equity, and it would basically be like starting from scratch. My husband came home to discuss with me and we went back, with our young children in tow. We started to look at vehicles, but this time we were dealing with sales guy XXXX, like the XXXX XXXX XXXX XXXX, and a XXXX XXXX XXXX XXXX In XXXX. I test drove both, only to find out the XXXX was more expensive than the XXXX, so we started to consider the XXXX more. They had one in the showroom that my daughter liked. It had a red tag sale sticker on it for {$50000.00}. The window sticker showed an MSRP on {$53000.00}. We were told there were great rebates/sales, and we could get it for the red tag sale. It had everything I wanted/needed, yet I was torn between the one in the showroom ( which is white ), and the one I test drove ( which was red ). I was told the red one was {$400.00} more purely because it was red, but they would give it to us for the same price/payment as the white if that's what we wanted. XXXX proceeded to hound me to pick a vehicle. My husband and I let our XXXX daughter pick, and she picked the white one. We started crunching numbers, and it came down to XXXX down, and the payment would be $ XXXX ... which seemed a little high to me, but I didn't question it. They took the car for detailing. My husband was the one to sign papers. We had been at the dealership since XXXX with our XXXX XXXX XXXX and XXXX XXXX XXXX and wanted to be done so we could get them home, it was XXXX. The finance manager scrolled through documents to sign so fast your head would spin. Not much explanation, other than to offer an additional extended warranty at no charge since we were returning customers. We agreed and my husband signed. I didn't read over any documents as it was late and my XXXX year old was throwing a tantrum in the finance office, understandably ready to go home. We were exhausted. We did a really quick walkthrough of the car, and that's when I noticed finger prints all over the window. I thought it went for detailing? XXXX said it did... we wiped it down. He did a very quick walkthrough with me, and left. I started the car, to find that the battery for the XXXX had not been charged. Annoyed, but tired. I drive home... I get home and my husband asks " why are the lights off? '' XXXX told me he put them on auto, and it seemed darker than usual as I drove the XXXX minutes home, only to find I drove home by the light of daytime running lights. Yikes. I spent the next day configuring settings, XXXX issues that should've been done the day before. Anything I didn't figure out I was going to address when I went back Friday, XX/XX/XXXX to drop off my down payment of $ XXXX. Come Friday I go to drop off the down payment, and on my way out the door, I'm harassed by XXXX XXXX who called me XXXX 4 times before I corrected her ) in front of a full showroom for a " bad review ''. I had no idea what she was talking about, I gave all 8s and 9s and some 10s on the survey I received. She proceeded to tell me I got a great deal and I should love my car and my review was awful. She said she was going to get a copy of the review, but never came back. Instead she sent XXXX over, who, at XXXX, proceeded to tell me that 8s and 9s aren't good, he was expecting all 10s. I was asked to rate my overall experience, and I wouldn't call the back and forth, ignorance of the sales guy, and then amount of time it took the get everything done, a 10/10 experience. I left, extremely annoyed. I thought, I just handed you a check for $ XXXX plus first payment, and you want to talk to me like that, accusatory and rude? When I got home, I started to look through the paperwork for the car, trying to find the account number so I could set up online access to make payments. I found the buyer 's order, which showed the original MSRP as the price of the vehicle. There were many documents in that folder, and not a single one shows $ XXXX for the car. I then see {$2000.00} in negative equity for my husband 's truck. I was shocked, because XXXX, XXXX, and the guy at the front desk who put the deal together, assured us there was none. On the next page, I see " extended warranty : {$500.00} ''. Again, shocked, and now very angry. We were told we were getting that for free! Also, the payment increased from {$610.00} to {$610.00}, which I didn't understand. I immediately submitted a complaint to the XXXX. XXXX XXXX XXXX responded, apologizing for XXXX 's behavior, and offered to credit back the extended warranty. I asked for a refund and was told no. The response time between original complaint and response was about a day or two. In the meantime, I find I'm having issues with the right passenger sliding door ; it won't open. I put the button, nothing. When I pull the handle, it beeps at me and won't open. There's a rattling in the dash when I go above XXXX, and the volume on the radio is extremely low when I make outgoing calls, but extremely LOUD for incoming calls. Yet another bunch of issues. On my way home from work the next day, Monday, I told my husband I would go to the dealership to talk to the GM. As we were talking, I hear/see something out of the corner of my eye... .there 's something hanging off the car in between the front and back passenger windows, just flapping in the wind. I pull over on the very busy highway that is XXXX XXXX, to find the window panel just hanging off. I try my best to shove it back on. I get back in the car and continue to drive home. XXXX. the piece flies off and hits a car behind me, and I'm so grateful it didn't do any damage. My husband agrees to meet me at the dealership to talk to the manager together. Once again, our kids in tow. The GM, XXXX, talks to me in a voice that sounds very condescending, instantly annoyed, and not very sympathetic to my complaints/concerns. He repeatedly tells me we got " a great deal '', that he made " no profit '' on the sale of the car, and just danced around the issue. I mentioned the wrong price numerous times, and he barely addressed it. He just said " well your husband signed the documents, it's a done deal. '' I complained a little more, and he offered me {$1300.00} ( which covers half the negative equity and the {$9.00} over 36 months, which is the difference between {$610.00} and {$610.00} ). I'm not satisfied with this response/resolution, but I take my kids home ( again, another late night at the dealership ). The next day I email XXXX a breakdown of the amount of money we lost on this deal, and ask for it to be refunded. We go back and forth and he repeatedly says no. It's gotten to the point where he's stopped responding. I have an appointment with service tomorrow to fix all of the issues for a car I've had less than two weeks.
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| 12/06/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX, I filed a dispute with Ally Bank for a {$500.00} charge made with " XXXX XXXX XXXX '' ( oXXXX XXXX ). The money was used to obtain and retain lawyer/legal representation from XXXX XXXX XXXX XXXX XXXX was supposed to help me get back money that I invested in a book writing company ( XXXX XXXX ), nearly amounting to $ XXXX. XXXX said he could help me get ALL of my money back from the bank and/or XXXX XXXX because he was a lawyer and has helped people ( and a woman recently ) win similar cases. He mentioned his reputation was on the line and that he could represent me and ensure that we would win. The company XXXX worked for was also a book writing company- XXXX XXXX XXXX ( who originally reached out to me to help me with this fiasco. I was told by XXXX XXXX XXXX XXXX XXXX XXXX XXXX that XXXX XXXX were going into bankruptcy and said they could help me with my situation. I think she mentioned they were like a sister bookwriting company to XXXX XXXX and they seemed to already be familiar with me or got my number from them now that I think about it ( which is scary ). XXXX spoke with me and warmly transferred me over to XXXX. I spoke with him and once I spoke with XXXX XXXX and confirmed that he was a lawyer ( with his CA bar license number he provided me and I was able to immediately look up ) and that he genuinely wanted to help me with this, I agreed to the original contract between him and me. Ally Bank received this contract on XXXX and they later received an email conversation between me and XXXX XXXX XXXX XXXX XXXX XXXX where she sent the original contract and I provided written consent/agreement to the contract that also outlined the " refund '' process. Ally Bank then finally granted me the {$500.00} ( after going back and forth with them on the phone and providing my evidence ) but sent me a letter to the effect that said they reserve the right to charge me this money back if they get " proof '' from the merchant ( XXXX XXXX XXXX ), which they have NOT provided me by the way. I checked my account today and noticed that the {$500.00} was posted back to my account on XXXX unbeknownst to me, again with NO Proof of what the opposing party sent them to make the ruling in their favor. This is troublesome because this company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX recently sent the proof to another bank of mine ( who sent me the proof in the mail ) that had NOTHING to do with this event, charge, or encounter! Ally Bank should check the dates and emails on the " proof '' that was sent to them from XXXX XXXX XXXX XXXX ) because if the email did NOT come from an email ending in ( XXXX from XXXX or XXXX XXXX and if it was NOT sent after my initial contact with them on XX/XX/XXXX, then they are working in cahoots against me with the other book writing company and this evidence/proof has NOTHING to do with the contract I signed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please see the contract details ( dated XXXX ) that I signed for lawyer representation. Again, this encounter was for legal representation AGAINST XXXX XXXX so if the PROOF they received from XXXX XXXX XXXX XXXX XXXX entails info from XXXX XXXX again this is wrong information and an attempt to be used against me.
It is unbelievable that Ally Bank would confuse and twist up the details of this matter, ruling in favor of XXXX XXXX XXXX XXXX XXXX XXXX ), with the false details they provided. PLEASE CHECK THE PROOF that was recently sent from XXXX XXXX so that you can see that I am being framed. I attempted to explain this to Ally Bank today and pressed the buttons to get to the dispute department. I reached a lady and told her that possibly WRONG/ FALSE PROOF could have been sent to them and I wanted to know why they would rule AGAINST me at this point. She then proceeded to say that she needed to get me to the " dispute '' department ( where I thought I was already ), however, the hold times had no end in sight. I have dealt with Ally before ( on numerous occasions ) with unpredictable hold times, requests for supervisors to call me back, and even requests to speak to a supervisor by name- all to no avail or success. It has been a very negative experience with them. As with the hold times, I am NOT guaranteed to speak to a supervisor but they will make you wait and wait, and they do NOT EVER call me back and have NEVER asked to verify my number to even call me back! The proof provided by XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX were potentially some emails and screenshots of conversations between XXXX XXXX and me, dated back in XXXX and XXXX of this year, from XXXX and XXXX. This is a red flag because XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX who reached out to help me with the conflict between XXXX XXXX and me ) are NOT the same company. How could Ally Bank miss this? They have " XXXX XXXX in their email address, not to mention the dates do not match or correlate with this case! The case that I disputed on XX/XX/XXXX with Ally Bank, was against XXXX XXXX, who was with XXXX XXXX XXXX Now although these companies more than likely knew each other, and maybe even worked together on some occasion ( I am unsure of this ), this appears to be one big plot from all of them, as it seems they are working together. Why would XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX send Ally Bank proof from XXXX XXXX XXXX when XXXX and I signed a contract and have email correspondence for him to represent me to get my money back FROM this company and/or banks? Again, if you put the pieces together, it seemed they were all working together. And again, I have seen this proof from another bank, but ALLY BANK has NOT sent me the proof ( although they have ruled against me- likely with the SAME FALSE proof that has been recently sent to a separate bank I disputed with for this company ). But even a bigger question is why Ally Bank did not use its investigative skills to see that these emails, sent XXXX and XXXX of this year, are not any kind of evidence or proof for legal representation or services I obtained from XXXX XXXX, in regard to the case/charge that I filed/disputed on XX/XX/XXXX? I did not even meet XXXX XXXX XXXX company/XXXX XXXXXXXX XXXX XX/XX/XXXX of this year, and this is a disappointment to learn that the bank could miss that. Again, this appears to all be a plot against me, but now it seems like a huge oversight on the bank 's end to NOT pick up this false information and reverse my ( provisional ) credit that I rightfully received, while allegedly investigating. It sounds like Ally Bank fell for the perpetrator 's foolish tactics and I just feel really bad now because this should have never been overturned with the irrelevant proof provided. I worked with a bad lawyer and he even mentioned " bribing '' the banks on one occasion which I should have taken more seriously. I filed a report against this lawyer due to actual and alleged misconduct. And I have expressed my disappointment and dissatisfaction with Ally Bank, time and time again but I am hoping that we can get it right now- once and for all.
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| 08/01/2021 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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On Monday XX/XX/XXXX, I received multiple notifications of suspicious activity regarding my Ally Bank checking account via text message and voicemail. I immediately contacted Ally Bank by phone to discuss the referenced activity. After providing the reference numbers and details I received through the suspicious activity notifications, Ally reported that there was actually no recent activity visible on my account. I was able to confirm this through viewing my account using the Ally Bank mobile app- there was no new posted or pending activity visible on my account. The customer service rep said the reference number I received from the suspicious activity notification did not bring up anything in his system, so there was no action he could take at that time. I offered to continue closely monitoring my accounts, but was mistakenly left suspecting that my phone number had been compromised, leading to false fraud notifications via text and voice mail.
A short time later, I received an additional notification of suspicious activity from Ally Bank via email. I once again checked my account and saw that there were now fraudulent charges pending. I immediately called the number on the back of my Ally Bank debit card, and the person on the line confirmed that there were pending charges on my account. I confirmed that these charges were fraudulent ( one was in a foreign country I had never visited ), and should not be processed. The debit card in question was in my possession, and had never been used- not a single time. Not in person, not online. Not as an ATM card, not as a debit card. The card has never left my possession. The fact that I was now a victim of debit card fraud was especially frustrating because I do not WANT a debit card tied to my account, for exactly this reason. I had previously requested an ATM-only/PIN-only card to access cash from ATMs, but Ally 's response was they do not offer one. They only offer MasterCard branded debit cards that leave your accounts vulnerable to this type of fraudulent activity. Additionally, I believed I had used the card control module of Ally Bank 's mobile app to turn off all transactions associated with this card with the exception of ATM withdrawals. As I would later find out, when Ally replaced my expiring debit card in XXXX of XXXX, they did not add that new ( now compromised ) card to my card control module, or carry over the settings from my expiring card to my new ( compromised ) card. When I check the card control module in the mobile app, the only card visible is still my previous card, expired in XX/XX/XXXX. The bottom line is that I was not provided the access necessary to restrict transactions on the debit card that was compromised using Ally Bank 's card control module, and even if I had, I would not have expected my card controls from my account to have been reset by Ally Bank when my card expired.
During this initial phone call with Ally Bank, my debit/ATM card was cancelled. This was terrible timing, as I was hundreds of miles from home and low on cash. I was also informed I would need to make an additional phone call to request a new card. On this second phone call I once again requested an ATM card without an associated debit card number, but was denied. I was also informed that despite Ally immediately knowing these charges were fraudulent and quickly notifying me of the same, as well as the fact that I immediately responded and confirmed that the suspicious activity was indeed fraudulent, Ally would still process the clearly fraudulent charges and send the money out of my account. I believe this is negligent, and completely defeats the purpose of the suspicious activity alert system. I requested that Ally not pay/deduct the charges both Ally Bank and myself believed to be fraud out of my account. My request was denied. I requested a temporary credit in the amount of the fraudulent charges, justified by the fact that both Ally Bank and myself believed these charges to be fraud, until the matter could be settled. My request was denied. With bill payments already scheduled, my account balance was reduced to less than {$6.00}, and I was forced to make an immediate emergency transfer of funds into my compromised account to avoid a negative balance.
On this second phone call, Ally Bank 's position was that they were sending money out of my account to cover charges they knew to be fraudulent, and my only recourse was to wait days until the charges posted, after which I would be required to call a third time to request an investigation of the charges that I had already called about twice and that Ally Bank knew were fraudulent from the moment they occurred. They offered nothing to help, and have wasted hours of my time pursuing a refund of money that should have never left my account, all because a of a debit card I never wanted and still do not want. Their only solution to avoid this situation in the future is a card control application that is faulty. I have zero confidence in the security of my funds at Ally Bank, and Ally Bank takes no responsibility for this vulnerability or any steps to reduce the inconvenience of their security weaknesses on their customers.
During the third call to officially contest the charges, on Thursday XX/XX/XXXX, I once again asked for a temporary credit to replace the funds Ally Bank withdrew from my account until the matter could be settled, and was again denied. I was told it could be up to 10 days before a decision was made about refunding my funds.
One week after becoming a victim while Ally stood by and did nothing, I am still missing the money that Ally knowingly sent out of my account due to fraud. One week later, am I still without a replacement card to access cash from my account. Ally did offer to expedite a card to my home address in 1-2 days. However, a signature would be required to receive the card, and unfortunately, as someone with a job, I do not have 1-2 days to take leave from work and wait for a replacement card. It was laughable to me that Ally Bank cares enough about " my security '' that they would not send a replacement card to my place of employment where I could sign for it, but would empty my account to known fraudulent charges without a second thought. In that moment, they are on the phone with me and have confirmed my identity by asking my mother 's maiden name, the last four digits of my social security number and an additional security question. They are accessing and openly discussing my account. They have eliminated to their satisfaction the possibility that they are speaking to anyone but me. However, they are unable to expedite a debit card to an address I give them at that time, because of ... security concerns. In the meantime, they have left me far from home with a cancelled debit card and an empty, compromised bank account. I could not be more disappointed with Ally Bank, and look forward to the return of my funds and the resolution of this issue so I can move to a bank that protects their customers and cares about their financial well-being.
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| 08/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I did not sign for all inquiries and did not apply for all these inquiries dispute the following information that appears on my XXXX report from XX/XX/XXXX : Collection account from XXXX XXXX with account # XXXX and a balance of {$410.00}. The original creditor is XXXX.
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.
Inquiry from XXXX XXXX on XX/XX/XXXX.
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately.
Inquiry from XXXX XXXX on XX/XX/XXXX.
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately.
Inquiry from ALLY FINANCIAL on XX/XX/XXXX.
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately.
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX.
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately.
Inquiry from XXXX, XXXX. on XX/XX/XXXX.
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Inquiry from XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX.
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Inquiry from ALLY FINANCIAL on XX/XX/XXXX.
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately.
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX.
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately.
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX.
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately.
Inquiry from XXXX XXXX, XXXX on XX/XX/XXXX.
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX.
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX.
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Inquiry from ALLY FINANCIAL on XX/XX/XXXX.
There are multiple inquiries all within XXXX day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately.
Inquiry from XXXX TX XXXX XXXX on XX/XX/XXXX.
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately.
Inquiry from XXXX XXXX on XX/XX/XXXX.
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately.
Inquiry from XXXX XXXXXXXX XXXX on XX/XX/XXXX.
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately.
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX.
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately.
Inquiry from XXXX XXXX on XX/XX/XXXX.
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately.
Inquiry from XXXX TX XXXX XXXX on XX/XX/XXXX.
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Inquiry from ALLY FINANCIAL on XX/XX/XXXX.
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately.
Inquiry from XXXX - XXXX XXXX on XX/XX/XXXX.
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately.
Inquiry from XXXX XXXX on XX/XX/XXXX.
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Inquiry from XXXX XXXX on XX/XX/XXXX.
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX.
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Inquiry from XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX.
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Inquiry from XXXX on XX/XX/XXXX.
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Inquiry from XXXX on XX/XX/XXXX.
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Inquiry from XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX.
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Inquiry from XXXX XXXX on XX/XX/XXXX.
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately.
Inquiry from XXXX XXXX on XX/XX/XXXX.
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX.
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately.
Inquiry from XXXX XXXX on XX/XX/XXXX.
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately.
Inquiry from XXXX XXXX on XX/XX/XXXX.
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Please reinvestigate these matters and delete or correct the disputed information as so
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| 03/09/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!!
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action.
I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files.
1. ALLY FINANCIAL Inquiry : XXXX XXXX, XXXX I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers
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| 01/03/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Summary : Seven weeks after initiating an online billpay for a {$3400.00} mortgage payment and having those funds debited from my checking account but never applied to the mortgage loan, neither the bank who issued the payment ( Ally Bank ), the mortgage company who received the payment ( Ally Mortgage / XXXX ), or the third party billpay provider who processed the payment ( XXXX / XXXX ) can provide me with any reliable information as to where the funds are currently located, when or if they will be returned to me, or when or if they will be applied to the mortgage loan. At this point I am concerned that my {$3400.00} has been misappropriated.
Details follow.
After closing on my refinance mortgage with Ally Mortgage in early XXXX, I initiated an electronic recurring bill payment at my bank, Ally Bank using the loan account number, payee name, payee address, and payment amount listed on the payment coupon provided to me by the closing attorney at the time of closing ( closing date XX/XX/XXXX ). The bill payments were set to begin on XX/XX/XXXX, more than a month after closing the loan.
Funds for the initial payment were debited from my Ally Bank checking account on XX/XX/XXXX, which matched my online instructions.
In early XX/XX/XXXX I received a courtesy call from my mortgage provider Ally Mortgage. When I followed up with Ally Mortgage they declared that no payment had been received. The initial customer service rep noted that it was likely that when the original XX/XX/XXXX payment was sent that " there was no account set up yet '' for my loan number since it was so new, and that the funds could be immediately recovered by the sending bank. When I circled back to Ally Bank, who made the bill payment on my behalf, they countered that in fact the payment was completed electronically to Ally Mortgage ( XXXX ) and provided me with specific confirmation documentation of the completed payment, including all the information I had provided including the loan account number, payee name, payee address, and payment amount listed on the payment coupon provided to me by the closing attorney at the time of closing more than a month prior to the initial payment being sent.
When I returned to Ally Mortgage with this information including a copy of Ally Bank 's disbursement confirmation, after numerous escalations and research, a customer service rep XXXX XXXX ( spelling? ) from Ally Mortgage contacted me on XX/XX/XXXX confirming that the funds had been received from an intermediary billpay provider ( " XXXX '' ) but without the loan number that I originally provided to Ally Bank and that Ally Bank 's disbursement confirmation also show. Ally Mortgage 's service supervisor told me that the funds had been returned to the intermediary billpay provider " XXXX '' and provided me with a check number for the payment that had been returned to XXXX.
When I returned to Ally Bank with this information several times over the ensuing weeks to inquire if funds had been returned from Ally Mortgage or XXXX, no customer service rep that I spoke with was able to confirm the existence of a third-party billpay provider or locate any record of any funds being returned to Ally Bank or to me from Ally Mortgage ( XXXX ).
In frustration, I then returned to Ally Mortgage on XX/XX/XXXX, where a customer service supervisor XXXX XXXX again confirmed that Ally Bank does in fact utilize XXXX as an intermediary billpay provider and that my funds had been returned to XXXX. Together we contacted Ally Bank customer service. At this point we did speak with a service rep who confirmed the existence of XXXX as a provider and was able to liase directly with Ally bank 's billpay group / XXXX. Mr. XXXX and I were not permitted to speak directly with the billpay contacts via Ally bank customer service. The service rep in contact with Ally bank 's billpay group told me on XX/XX/XXXX that they had no record of any funds being returned to them and stated that the " check must have been lost in the mail '' from Ally Mortgage ( XXXX ) to XXXX. We left off with Mr. XXXX agreeing to research whether Ally Mortgage could document that the check from Ally Mortgage to XXXX had been sent and/or cashed.
On Thursday XX/XX/XXXX, Mr. XXXX from Ally Mortgage ( XXXX ) contacted me to say that he had verified that the check representing my returned funds had been received and cashed by XXXX. He provided me with an image of the cashed check. After reviewing the image of the check, I noted that there appeared to be no identifying information whatsoever ( name, account number, etc. ) that would instruct XXXX to return the funds to Ally Bank and ultimately to me.
On XX/XX/XXXX, I contacted Ally Bank and provided them with a copy of the cashed check and asked that the funds in question be returned to my account immediately, given that over 7 weeks had passed since my original payment debit and that it appeared that they and or their subcontractor had failed to complete the payment as instructed. The customer service manager declined to credit the funds but told me that they would research the issue and respond to me. While he hoped that there would be resolution in 3 or so business days, he could not provide me with a firm commitment to any timeframe.
On XX/XX/XXXX I also contacted Ally Mortgage ( XXXX ) to ask if there was in fact any identifying information on the returned payment that they sent to XXXX that would direct the funds back to Ally Bank and to me and also to inquire why the check number provided to me on XX/XX/XXXX does not match the check number on the check image that was provided to me on XX/XX/XXXX. Customer service supervisor XXXX XXXX could not confirm any of those items but agreed to research the issue and respond to me soon.
On XX/XX/XXXX I contacted XXXX ( XXXX ) directly to see if they could provide any assistance since both Ally Bank and Ally Mortgage seem to be placing the missing funds in their ( XXXX 's ) possession. The customer service rep that I spoke to could only tell me that Ally Bank has its own internal billpay team that would have to resolve my issue but that in all likelihood a paper check made payable to " XXXX '' ( as the image that had been provided to me by Ally Mortgage shows ) would not have any way of being credited back to Ally Bank or to my personal account.
Having diligently and politely chased down the whereabouts of my funds for weeks, I am no closer to any resolution than I was when I began. I am concerned that the funds have been misappropriated, that I have been shortchanged the interest that the funds would have accrued had they not left my account, that the principal and interest on my mortgage loan that should have been paid as of XX/XX/XXXX has not been paid, and that I have lost numerous hours of my time endlessly going around in circles with customer service at Ally Bank, Ally Mortgage, and XXXX with no resolution.
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| 05/30/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Letter for Ollo Bank XX/XX/XXXX ATTN : Disputes Department The three charges that I need re-opened on case XXXX, and thoroughly analyzed for the three specific charges in question ( four if we dispute the writing service on XXXX ) ... the fact is I have not been provided the services included on this page and furthermore, they are for FUTURE services and that is unfair, unethical, unprofessional, and should be illegal to hold on to my money for : a. Services not fulfilled within timeframe of one month, and b. Services to be fulfilled for future books! If I am done with you then I do not want my money to be held for something I paid you to do in the future. We did not sign any contract! And I was told in writing ( on email for Book Marketing proposal ) and by phone- MONEY BACK GUARANTEE.
On XX/XX/XXXX, I paid {$1400.00} to go towards the $ XXXX XXXX XXXX marketing program that promised to sell me XXXX copies in 12 months or my money back. I have not even sold XXXX copies by XXXX and when I expressed my dissatisfaction with this service in XXXX, the merchant refused to give me my money back. I have already provided evidence showing what XXXX XXXX I paid for ( guaranteeing XXXX copies within the time frame amongst a host of other services yet to be completed but still being promised to me by XXXX ).
On XX/XX/XXXX, I paid {$3200.00} for an ADDITIONAL marketing program for XXXX months beginning in XXXX ( receipt provided ). This is the biggest red flag for all purchases. I was promised to make $ XXXX for XXXX months in this marketing program. The payments were supposed to start around XX/XX/XXXX and when they never came, I asked XXXX why the service was not fulfilled and delivered, and he only offered an apology and offered to move money towards book writing services for Book XXXX and XXXX. However I became displeased with XXXX XXXX mediocre writing, so why not refund me for future services that I have paid for in advance? I asked for a refund eventually after continued disappointment and failed marketing attempts, and he said he could not because I expressed my satisfaction, however, this is a contradiction because I brought dissatisfaction to him on this instance and another with book XXXX writing to him via text and his assistant XXXX by email. ( See snippet below ) Additionally, the proposal says MONEY BACK GUARANTEE. This is an example of his greed and unprofessionalism. There is no reason to hold on to money for advance services when he could not even fulfill on XXXX XXXX and XXXX services. The writing was so bad and slow, we only got to Chapter XXXX out of XXXX, and this XXXX book project was paid for in XX/XX/XXXX and was supposed to be completed by XXXX. When they told me they had to break the books into XXXX writing projects ( not written together as originally promised ), book XXXX should have been completed 30 days later by the end of XXXX. However XXXX XXXX only got finished by the end of XXXX and my first sale was on XX/XX/XXXX. But again, I was supposed to be having a vigorous marketing campaign that was to make me {$2500.00} a week, but I have only grossed around {$1000.00} by XXXX ( when my sales stopped ) ..and only sold about XXXX copies ( out of the XXXX I was promised within 12 monthsvery frustrating!! ) For final charge on my card, I paid {$200.00} on XX/XX/XXXX to go towards an audiobook for Book XXXX ( yet to be worked on or written ). Again, this money is for XXXX XXXX does he need so much money for book services that are future deliverables, when book XXXX and XXXX have yet to be done audibly? To this day, I have no proof of an audiobook for completed book XXXX I have paid for XXXX XXXX, XXXX, and XXXX audiobookshowever he has an issue with refunding something we have yet to complete? Sounds greedy and fishy to me. I should get my money back for services not done ( Book XXXX ) and yet to be completed ( XXXX XXXX, XXXX, and XXXX )!!
Lastly I want to point out that I was talking to XXXX almost every day. And if I was not reviewing my chapters, he was marketing to me, promising me big dreams, selling me more services that were supposed to make me some rich and famous author. While in the beginning, the writing was good, and then I saw my own website, so the company seemed legit and well-to-do so I went along. I was content and approved writing for book XXXX, but the writing services ARE NOT BEING DISPUTED. Even though I paid for XXXX books to be written originally in XXXX with XXXX card on XX/XX/XXXX for {$1300.00} with Sr Consultant XXXX XXXX, and we have NOT finished Book XXXX due to my dissatisfaction, I still did NOT dispute this charge. But after seeing how XXXX is attempting to fight me for this, I should dispute for half of that because all of the writing was not done, but I am not greedyI only want what is right and what is mine. Additionally, when he saw I was disputing, he asked me to drop disputes and he would refund me on the marketing end ( text attached ) ; but I would be taking a big risk and chance if I did that right? When I noticed that the marketing never took off the ground for me and I wasted an additional $ XXXX on XXXX the proof being in the failed marketing and my low numbers of copies sold and income grossed, topped with the mediocre writing for Book XXXX is when I realized it is time to get out of this bad business relationship! He called me right away when I emailed him to request for refund and spoke to me trying to plead with me but said he would honor my refund as he mentioned before and in writing. But then he came back with a nasty email later saying I was satisfied and he could not honor..that does not even make sense!!
He is leaving out key information in this email to make himself look good. Why would I invest $ XXXX in marketing service, only to get $ XXXX back. The part that he leaves out is the part where he says that I will make $ XXXX with the XXXX additional ( XXXX marketing plans that I bought ). But please read between the lines, I have no reason to lie on a company that I have invested so much in for the betterment of myself and my financial situation.
I spoke with XXXX today and she said they would open back up my case granted I give them a letter to disputes department. I am just going through this with so many banks right now and it is frustrating because I have provided thorough details... but I did some more digging and provided more evidence and hope this can help with a resolution. Suing this company out of state would be a last resort along with bankruptcy. I do not mind sending Ollo my entire log of text messages that XXXX and I have exchanged, because I have nothing to hide and I need you to see the deception going on. I am a very friendly girl but as you see in this case, your kindness can be taken for weakness and XXXX used my friendliness against me in the end, claiming that he was my " friend ''.
|
| 03/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Possible violation of Fair Credit Reporting Act In XX/XX/XXXX I elected to file a chapter XXXX bankruptcy. At the time I had a loan with Ally Bank on a car, for which I needed to keep. I am a XXXX, a mother of XXXX young girls, and trying to put myself through school. I needed to keep the car in question, and I had made every payment on time up to that point. This is the account in question. I believe I was mistreated and misled as to how to make payments while in BK-XXXX, and the result is a negative mark on my credit which is incorrect and unfair.
Timeline : In XX/XX/XXXX I filed a chapter XXXX bankruptcy. I immediately called Ally and explained that I had filed ( they already knew as the court sent them notices ). Below is a record of who I spoke to and the events that ensued : XX/XX/XXXX I spoke to a person named XXXX. For future reference, none of the customer service representatives give out their last names anymore. XXXX was kind, and explained to me the options that I had. He explained that at some point, Ally ( The Company ) would ask if I wanted to re-affirm the debt, meaning I could continue making payments and keep the car. As I needed to keep the car, I told XXXX that I wanted to re-affirm the dent immediately. He explained that wasnt possible yet. I offered to make a payment, and he advised me that I would not be permitted to make a payment while in BK-XXXX.
At that point I had a pre-scheduled payment that had come out of my bank account about a week prior. XXXX was not able to confirm such a payment, as he advised that he can not discuss any details while I was in BK-XXXX. I was told to call back in a month.
XX/XX/XXXX I called and spoke to a customer service rep named XXXX. She explained the same thing as XXXX had a month before, but I was becoming worried. I wanted to make a payment on the car, I didnt want to lose it, and I was worried they would report me as late to the credit bureaus. XXXX advised me that while she could not discuss the account with me, she could at least tell me that there will be no negative reporting to the credit agencies while I was in BK-XXXX. She also explained that although I was asking to make payments, I would not be allowed to do so, on account of the case.
She told me to call back in a few weeks.
In mid XXXX, I called and spoke to two different customer service reps, XXXX and XXXX. First I told XXXX that I was told I could in fact make a payment while I was in BK-XXXX according to my lawyer. But that the company wasnt allowed to collect against me. At that point, XXXX said oh youre in BK, I need to transfer you to a special department. This seemed odd to me as Ally knew from the date of filing that I was in BK-XXXX, and only now was I being sent to a special department. The person in the new department was named XXXX. XXXX was adamant that the bank would work everything out with me once the BK was discharged. Additionally I was now told that I could make a XXXX XXXX payment or direct deposit from my bank if I wanted to in order to continue paying. I agreed and made the payment ASAP.
Upon calling back, I could not reach XXXX, and the new person named XXXX now told me that whether I made the payment or not, she was not able to say. She could not discuss the account with me. I was becoming distraught. How in the world was I supposed to be able to track whether my payment came in? This all seemed strange to me, as here I was, calling every few weeks, begging to make a payment, and up to this point - was told I could not. Now, at this point I am told that I COULD make a payment, but the company would not be able to confirm receipt. This felt suspicious and unfair. I reasoned it wouldnt be wise to make future payments if the company couldnt even provide a receipt. For all I know, that payment could have gone anywhere. XXXX told me that I should call back in a few weeks as my discharge was imminent, and that I would be able to make a full payment then.
Its important to note that I was able, capable, willing and offering to make a full payment each and every time I called the company. Im sure the calls are recorded, and so Im sure proof of this this could easily be attained.
In XXXX I spoke to XXXX who told me that I would be able to re-affirm the debt for a particular amount ( the instructions here on the CFPB site direct me not to disclose that amount here - theres a separate section ). I immediately offered to pay the amount in full right then, but was told that even though I had obtained my discharge, my account was still in the BK department at the company and so I couldnt make the payment. I explained how helplessly upset I was at all this, and how I was scared they would report me as having missed payments - while in fact I had been trying for months! XXXX assured me that the company would not report me as late, or assess late fees, as they had the record of me calling every few weeks. I think she felt bad for me. She told me that as soon as the account came out of the BK department I would get a call, and the company would work everything out with me at that point.
In XX/XX/XXXX I was finally noticed that I had to pay the account current immediately to protect my credit. I was relieved and paid it at once. I was assured by XXXX that my credit would be protected and no late reports would be made, or special fees assessed. The payment was sufficient to bring my account current. Which was all I was trying to do since XXXX.
Now last week I see that my credit is showing late for : XXXX. 30 XX/XX/XXXX60 XXXX. 90 XXXX. 120 XX/XX/XXXX120 I am furious! This could not be more unfair. The company promised me this wouldnt happen.
I tried to make the payments and I was not permitted to. Now my credit is harmed even worse as it looks like I cant even pay this small bill.
As I said, I am a XXXX. My job is to treat people and make their XXXX visits a good and calming experience. I work nights on my unit, and I do my best to treat people with care, compassion, and respect. I am trying to get student loans to continue my degree advancement as one day I want to teach. This 30/60/90/120 on my credit will harm my ability to get federal loans, as well as advance in my career. In essence, it seems incredibly unfair to portray me credit file as having all these missed payments, as it is absolutely misleading and not at all an accurate description of what happened. I am wondering if this is a violation of the Fair Credit Reporting Act?
I feel as though I did absolutely EVERYTHING I could to make these payments so this wouldnt happen. Its not fair what they are doing to me, and I need help. I was not late one time before the BK-XXXX event, or since. This is not the way to treat people. Especially a XXXX XXXXr, like me.
|
| 09/16/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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I purchased a vehicle from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mississippi XXXX on Saturday XXXX XX/XX/XXXX but, I didn't pick up the vehicle until Tuesday, XX/XX/XXXX due to XXXX XXXX ( salesperson XXXX stating that they were putting new tires on the truck. I really wasn't supposed to pick it up until Wednesday XX/XX/XXXX that's when the tires was going to be in and the truck was going to be ready, which was odd because I didn't see nothing wrong with the tires. When I picked up the vehicle I notice a burnt oil smell and I mentioned that to XXXX at that moment and she didn't say anything. So my brother in law said well maybe that's probably from when they did an oil change. But I kept smelling the burnt oil smell. So, within a few days of driving the vehicle I notice that the truck would pull off slow as I have my feet on the gas and it was jerking like it was trying to get into the right gear. I also, notice that when the vehicle was sitting at a light or just running while sitting still the vehicle would be shaking like it was running hot. I notice the radio changing stations and switching from app to app and calling folks from my contact. On XX/XX/XXXX I spoke with my seller XXXX XXXX about the problems I was having with the truck. She told me if it does it again to bring it in and they will look at it. So. the vehicle did it again but it was getting worse. loud noises was coming from the vehicle and like a high pitched whistling sound. And the jerking was getting worse it pause when I put it in reverse and jerk to go backwards and it would do the same way when I would put in drive and I have a witness to that. So, on XX/XX/XXXX, I called XXXX again and told her what was going on and she told me to bring it into service but it had to be through the week. So, I took off from work on Tuesday XX/XX/XXXX because that Monday XX/XX/XXXX was a holiday. On Tuesday XX/XX/XXXX, I brought the truck into service at XXXX XXXX XXXX XXXX and I was greeted by one of the service guys. The guy ( don't remember his name ) asked how he could help me and I explained to him that XXXX told me to bring my vehicle in so that you all can see what was wrong with it and I handed him my list of problems. He goes inside with the list and comes back out 5 minutes later saying that the general manager said that you weren't under a warranty so we can't look at it plus we don't have the proper machines for a XXXX because we deal with XXXX. He said next door, would have the proper machines because they're a XXXX dealership but you will have to pay out of pocket. I said no, I only had this vehicle for a couple of weeks so someone has to see what's going on with it. So he goes back in to get the manager and the service guy comes back out and says " they're going into a meeting ''. So, I said I can wait because I took off from work for this. He said ok you can have a seat in the lobby. I went in and stood there waiting so XXXX came over and I told her what the service guy said and she went to talk to the general manager XXXX XXXX who was supposed to be in a meeting but instead he was just standing in his office talking. So, XXXX was talking to him and they were laughing out loud and they finally came out of the office to come talk to me. I explained to XXXX what was going on and he stated " you didn't get the extended warranty matter of fact you were mad when you thought we put it on there and it wasn't. '' I told him I wasn't mad and he cut me off stating " you had the vehicle for over a month '' and I said no, I only had it for three weeks. And he stated " well the vehicle is over XXXX miles '' and I said no it only has XXXX miles on it. He said " oh well anyway you come in here with this long list and you just now telling someone about it! I said no, I told XXXX as soon as it happened. He said well, there's nothing we can do about it since you didn't purchase the extended warranty and and you signed as is contract. But they didn't advertise as is on the website. He said If you want to see what's wrong with it then you would need to take it to XXXX XXXX XXXX and pay for it yourself. '' So, I did. On Saturday XX/XX/XXXX I took the vehicle to XXXX XXXX XXXX they did a diagnostic test and told me I needed a new transmission and computer system totaling {$6000.00} plus... I went back to XXXX XXXX XXXX XXXX on the same day with my estimate and spoke with XXXX XXXX ( general manager ) again. I went into his office and I said hey, I was just in here Tuesday and you told me there was nothing you could do because I didn't purchase the extended warranty and he said " yes you were ''. I said you told me that your team did a thorough inspection and everything was good. He said " yes I did. '' And I said well, if everything was good why is next door ( XXXX XXXX XXXX ) saying that I need a transmission and computer system replaced all of a sudden. And I handed him the invoice. He looked at it and asked where did you get it done? I told him next door, he stated with a nasty attitude " Looks like you have a {$5000.00} transmission bill. '' I told him I was not responsible for this and that I only had the vehicle for three weeks and I told XXXX about it too! He said " you didn't tell nobody XXXX! '' " For as far as I know you could've messed it up yourself! '' He was getting loud with me so I got loud. He was cursing at me and I cursed him right back. He told me to " geXXXX XXXX XXXX out of his office before he calls the police! '' I had asked him what his name was because I didn't know his name until then. He said XXXX and I waited for him to give me a last name and he didn't say anything. So, I said you are not gon na give me your last name? He said in an arrogant way " everybody knows me! '' So. I had asked the staff what his last name was. No one wanted to give me his last name. As I was standing the lobby he came out his office stating that " I have lost my XXXX XXXXXXXX mind and that I need to get the XXXX out of his dealership before he calls the police! '' The amount financed on this vehicle is {$39000.00} Called Ally Auto on XX/XX/XXXX and the representative said that there was nothing they could do because the contract had started. But I haven't even paid my first note yet!!
This is vehicle was my means of getting back and forth to work. And if I can't get to work how can I pay these notes. And I haven't even paid the first note yet! And this is not just my credit we're dealing with it's my sister 's credit as well because she cosigned this vehicle for me! So, they are messing up our livelihood to gain in their 's and this is so unfair to the consumer! All we want is for the problem to fixed ( paid in full ) or get me another vehicle or get me out of this contract period!
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| 07/19/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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Ally Financial Used my Extension of open ended consumer credit to Illegal formulate an Fraudulent loan in which, they used misleading sales tactics to Seem as if they were the original creditor to the account, In fact, I the consumer, the natural person who signed off on this consumer credit transaction, am the original creditor and I had been false billed for a debt in which had never been validated. Every Installment payment was fraudulent and Ally used terms such as " Late Payment '' on my consumer report. Congress does not define this term.This derogatory term Ally had reported on my consumer report made other companies refuse my extension of open ended credit,, this was very discriminatory an unfair practice. Ally Financial also illegally repossessed my car because of fraudulent charges and fraudulent " late payments. They continued to Bill me during every Dispute as well.
15 U.S. Code 1601 - Congressional findings and declaration of purpose ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices.
( b ) Terms of personal property leases The Congress also finds that there has been a recent trend toward leasing automobiles and other durable goods for consumer use as an alternative to installment credit sales and that these leases have been offered without adequate cost disclosures. It is the purpose of this subchapter to assure a meaningful disclosure of the terms of leases of personal property for personal, family, or household purposes so as to enable the lessee to compare more readily the various lease terms available to him, limit balloon payments in consumer leasing, enable comparison of lease terms with credit terms where appropriate, and to assure meaningful and accurate disclosures of lease terms in advertisements.
15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.
15 U.S. Code 1692e. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.
( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully
received by any debt collector for the collection of a debt.
( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization.
15 U.S. Code 1692h. Multiple debts If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any
debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collectors intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit.
( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution.
( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument.
( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees.
( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.
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| 09/16/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I am submitting a complaint against Ally Financial. I initially filed with the XXXX but they were unable to assist me and they have closed the complaint due to Ally not responding timely.
In XX/XX/XXXX I had a total loss from a vehicle accident. I had insurance as well as GAP insurance.
In XX/XX/XXXX I received statement requesting a payment of {$460.00} ( this amount was previously my monthly payment ). I was confused as Ally had received payment from both my insurance company XXXX XXXX and my GAP insurance. I tried to look my account up online but they disabled it. I was not able to find it even by searching by the account number. I contacted customer service and he advised me to go online and I told him the account was no longer available to me. He told me well sometimes it takes a minute for them to catch up just wait and everything should be caught up in a month or two.
I next received statement from Ally dated XX/XX/XXXX with an amount due of {$100.00} but with a due date of XX/XX/XXXX. Underneath that is listed an amount paid of {$4000.00} with a due date of XX/XX/XXXX and scheduled payment {$460.00}. It further has listed in the comments section that {$1600.00} is still due on the vehicle. Yet I owe {$100.00} on XX/XX/XXXX? It appears they are charging my account as an installment account even though they know the vehicle totaled and the payments were made for the pay off amount. I have no idea where they came up with the amount still owed. I am unable to determine from the documents and statements received what the true actual numbers are and how they applied it against the total payoff.
In XX/XX/XXXX and XX/XX/XXXX I received statements that showed I owed zero amount and on the XXXX statement it has a payment of {$1200.00} being paid but yet it still shows in that comment section the amount of {$1600.00} to pay off vehicle. Then in XXXX I receive a statement again stating I need to pay {$100.00} on XX/XX/XXXX. I called Ally he stated he was sending account to be investigated and instead of it being investigated I immediately began receiving collection calls.
I explained the situation to the collection person. She then indicated that I was 3 or4 payments behind when I just received an email a week prior that I was 2 months behind apparently their time goes much quicker than the rest of the world. I said I did not understand how I could owe so much still towards the vehicle. She advised that I did an extension agreement in XXXX and XXXX of XXXX and I still owed for that. I stated so -when my insurance was provided the payoff amount they did not include the total pay off amount? I said that does not make sense you should send the total pay off amount of the vehicle as that is what was requested.
Ally did finally respond to me from the XXXX complaint, I received about week late. It did not explain what I asked of them about the statements and the inaccuracies. They send me a letter and an account sheet that shows different information than what was on the GAP pay history. In the letter they also stated that as soon as a vehicle is totaled they immediately disable the account. I find that interesting since every employee I spoke with told me to look at my online account and even an emails I received in XXXX and XXXX advised me to look at or make my payment through my online account the same one they XXXX.
Also, they know this was payoff for the vehicle why were they still charging me interest, late charges and applying the payoff amounts they received to principal and interest? The amount that was to be refunded back to the dealership which was around {$1200.00} for the maintenance agreement instead of simply taking out of the amount owed on the vehicle they made it appear like a payment on my account and split that across principal and interest. That should have been taken out of the principal or total owed period. The persons argument that the GAP insurance did not pay about {$1200.00} was because the information that I sent them provided by Ally showed an amount of {$1200.00} being applied as a payment to principal and interest - it did not show the amount as a refund back to the dealer so GAP insurance took the amount owed to the dealership out of the payment owed to Ally.
Finally, where did that payment amount of {$1200.00} come from that is listed on the invoice? perhaps from GAP once it was realized? But the comments always said I owed over {$1600.00} for the vehicle. Something is definitely wrong with this entire situation. They have affected my credit when I was finally making headway after about five years of diligently working on past debts and ensuring timely payments. Now they have me owing over {$1900.00}. They are treating the account like a monthly payment agreement even though it is a total loss and if in fact I did owe anything I would think they would contact me and try to work out how the rest was be paid.
They are costing me money because my car insurance looks at my credit report and I am not able to obtain low interest on anything because whatever they are doing ruined what I have been working towards for over 5 years. Because of this my credit dropped over 30 points when it should have went up after Ally account was shown as paid and no late payments. It is not right, if anything I think I should be owed money due to the confusing billing practices that I do not think are above board and forcing me to lose a lot of hard work I have put into fixing my credit. They are causing me a great deal of stress, lost time to deal with this issue that should not be this difficult.
I should not owe any money Ally financial. They were paid by my insurance and my GAP insurance. I would like real explanations of the statements I received. As stated in XXXX and XXXX I received statements that showed I owed XXXX amount and then in XXXX I again owed the XXXX. I want to know all payments received, how they were applied, if they were applied correctly and how they came up with the amounts that I owe. I want the account to show a XXXX balance and show it in good standing without any late payments because I never paid late. If I felt Ally was being above board on what is owed on the account I would not have an issue, the problem is I think they are trying collect additional money from a mistake they may have made I do not know really. Please review the attached documents and advise if you need anything further from me.
Attached : the XXXX complaint, Ally late reply to XXXX complaint, payment history for GAP provided by Ally, billing statements XX/XX/XXXX through XX/XX/XXXX, email advising me to go to online account that Ally disables as a matter of practice but their customer service or auto email info does not know about.
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| 01/01/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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On XX/XX/XXXX, I concluded a lease trade-in for my account ( XXXX ) with XXXX XXXX XXXX of XXXX , Ohio. The following day, XX/XX/XXXX, I received a communication from Ally Financial regarding a late payment. I promptly clarified that the vehicle had been sold the previous day. Despite this, on XX/XX/XXXX, and continuing through XX/XX/XXXX, I received multiple subsequent calls from Ally Financial, each indicating a late payment. I repeatedly informed them of the vehicle 's sale.
On XX/XX/XXXX, I contacted XXXX XXXX XXXX of XXXX for more information regarding the payment status. They confirmed that Check XXXX for {$44000.00} had been dispatched to Ally Financial via XXXX ( tracking number XXXX ) and was received on XX/XX/XXXX, at XXXX XXXX ET. Later that day, I relayed this information to Ally Financial 's collections department, which led to a cessation of the repeated calls.
By XX/XX/XXXX, my Ally Financial account ( XXXX ) reflected a {$0.00} balance, indicating full payment and no outstanding dues. However, on XX/XX/XXXX, a XXXX alert notified me of a XXXX-point drop in my XXXX credit score due to a " 30 Day Late '' report by Ally Financial. Upon checking, I found the account marked as 'Past Due ' with a balance of {$19000.00} and 26 remaining payments. Upon contacting Ally Financial, I was informed of system downtimes preventing immediate resolution.
The situation worsened on XX/XX/XXXX, with additional XXXX alerts indicating further drops in my credit scores. After an extensive three-hour call with Ally Financial , I was informed that the payment check had been canceled by the dealer, necessitating further contact with XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX, after their investigation, the dealership confirmed that the check had cleared and was neither returned nor canceled.
The company responded with the following information, admitting fault, on XX/XX/XXXX ( summarized ) : " The correspondence addresses XXXX XXXX 's lease agreement with Ally XXXX for a XXXX XXXX XXXX XXXX, initiated on XX/XX/XXXX, through XXXX XXXX XXXX, with monthly payments of {$760.00}. The document acknowledges that the agreement was later assigned to Ally Bank Lease Trust and highlights a prior communication on XX/XX/XXXX, detailing corrections to the contract, indicating some initially incorrect or omitted information.
Further, it provides a detailed payment history up to XX/XX/XXXX, urging XXXX XXXX to report any discrepancies between his records and the provided history for further investigation. The history outlines the receipt of payoff funds from XXXX XXXX XXXX dealership on XX/XX/XXXX, and the initiation of the dealer buyout process. It also mentions the issue of the account being reported as over 30 days past due to the late XX/XX/XXXX, payment.
The response concludes with Ally 's action to request consumer credit reporting agencies to update their records to reflect the account as zero payments over 30 days past due. It encourages XXXX XXXX to verify these updates with the agencies after 30 days and provides contact information for further assistance or inquiries. The communication reflects a structured approach by Ally to address the concerns raised, offering transparency about the events and steps taken. '' In XX/XX/XXXX, I acknowledge the detailed investigation conducted and the subsequent corrections made to my consumer credit reports. Despite these efforts, the period during which incorrect information was present has inflicted immediate and significant damage to my entire credit portfolio. This situation has led to a distressing reduction in my financial flexibility and credibility.
Now, in XXXX, XXXX, I am still suffering the damage from this. During the time the erroneous data remained on my reports, I have encountered several detrimental effects. Notably, 90 % of my credit card issuers reduced my available credit, directly impacting my financial maneuverability. Additionally, my XXXX scores experienced a substantial average drop of over 100 points. This decline in credit score is not just a number ; it represents a setback in my financial reputation, current and future borrowing capabilities.
Although my records have been updated, the ramifications persist. The inability to reinstate my previous credit limits, due to the past-due reports, has further strained my financial health. This discrepancy has shifted my credit standing from good to poor, This single incident has effectively erased years of diligent financial management and will require a prolonged period to recuperate fully. The enduring impact on my creditworthiness is not just a temporary inconvenience but a long-term hindrance that will affect my financial decisions and opportunities for years to come. The gravity of this situation can not be understated, as it undermines the trust and reliability I have strived to build with financial institutions over many years.
Furthermore, the consequences of this erroneous and grossly negligent reporting by Ally Financial have escalated to a critical point, severely undermining my financial stability. As a direct result of the cut limits instigated by the false 30-day late payment, my credit cards are now being systematically closed. This action has not only buried me under an insurmountable burden but also effectively barred me from obtaining new credit, trapping me in a vicious cycle of diminishing financial resources.
The subsequent cutting of limits and closing of cards has had a profound and distressing impact on my mental health, financial health, and the stability of my family. Over the last nine months, I have faced a denial of over {$200000.00} in credit. Each attempt to rectify the situationwhether paying off a card or reducing the balancehas been met with immediate closure or further reduction of my credit limit, maintaining a suffocating level of over 95 % utilization. The negative mark, which still lingers on certain reports inaccessible to me as a consumer, has thwarted my ability to leverage equity in my home, as banks continue to receive this erroneous information. Consequently, my XXXX mortgage score has plummeted into the 500s, reflecting the severe and ongoing repercussions of this single report.
Amidst this financial turmoil, I find myself in a state of despair. Despite having no late payments, only cut limits, and closed cards, I feel increasingly trapped and powerless. The psychological toll is immense ; I am enveloped in a sense of XXXX and entrapment, with no apparent avenue for relief or support. The weight of this situation bears heavily upon me, leaving me desperate for a solution to help my family and restore the financial stability and security we once knew.
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| 09/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT.ally financial, you are furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, reputation, general way of life, and my ability to obtain credit for personal and housing purposes. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Duty : A moral or legal obligation ; a responsibility Accurate : Correct in all details ; exact. PROHIBITION : A law or regulation forbidding something As defined by the IRS : Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS clearly defines a charge-off as Gross or Ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account inaccurate! By definition, the IRS clearly states that a Canceled or Charged-off debt is Income. Reporting this account as a debt is inaccurate. 15 USC 1681s-2 states that you, ally financial, are a furnisher of information to a consumer reporting agency. YOU ARE PROHIBITED BY LAW from furnishing inaccurate information. I demand you Cease and Desist the reporting of incorrect/inaccurate information immediately. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. You are hereby put on NOTICE that you are furnishing incorrect, inaccurate information. The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1. The above paragraph is taken directly from the IRS publication. SEND MY FORM 1099-C that you should have sent when you FILED the account as a canceled debt. My Address is listed below! 15 U.S. Code 1681s-2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate, and the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. In conclusion, I have shown you, and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of the Law, 15 USC 1681s-2, of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report. YOU HAVE 10 Calendar days to DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS! I am writing to dispute and seek clarification regarding the sharing of my non-public personal information by your institution, as well as any potential impact on my credit report. I am concerned that these actions may be in violation of both the Gramm-Leach-Bliley Act ( GLBA ) and the Fair Credit Reporting Act ( FCRA ). Specifically, I have identified two key areas of concern : 1. **GLBA Privacy Notice and Opt-Out** : According to the GLBA, financial institutions are required to provide consumers with an initial privacy notice and an annual privacy notice outlining their information-sharing practices. Furthermore, consumers have the right to opt out of having their non-public personal information shared with non-affiliated third parties for marketing purposes. To date, I have not received any such notices from your institution, nor have I been given the opportunity to opt out of information sharing. Therefore, I request that you provide me with copies of all privacy notices that should have been sent to me in accordance with the GLBA. Additionally, I would like to be informed if my non-public personal information has been shared with any non-affiliated third parties for marketing purposes, and if so, I am exercising my right to opt out of such sharing. 2. **FCRA Credit Reporting Impact** : As a result of any information sharing or other actions taken by your institution, I am concerned that my credit report may have been affected. Under the FCRA, consumers have the right to accurate and complete credit reporting. I request that you provide me with any information related to changes in my credit report resulting from your institution 's actions. Additionally, I kindly request that you conduct a thorough investigation into any credit reporting issues that may have arisen due to information sharing or any other actions by your institution. If it is determined that my credit report has been negatively affected without proper cause or notification, I request that you take immediate corrective action and provide me with documentation of any corrections made to my credit report. I want to emphasize my commitment to ensuring that my rights under both the GLBA and the FCRA are fully protected. I kindly request that your institution promptly investigate these matters and provide me with the necessary documentation and information to address my concerns. Please respond to this dispute letter within the statutory timeframes specified by both the GLBA and the FCRA. I understand that this investigation may take up to 30 days, and I expect your prompt attention to this matter. Thank you for your cooperation in resolving this issue promptly. Send written correspondence to address provided above. This is my opt out and cease and desist of all sharing of my personal information. You dont have consent to share my personal information if you do its identity theft. Delete all inaccurate and wrongful shared information asap.
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| 11/23/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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At the bottom of this I'll share this message between myself and Ally Bank around an XXXX loan- you can ignore the parts about a bad policy and how they can act as a better company by following their published core value - " Doing it Right is the core of who we are. '' and focus on the elements about the {$600.00} credit balance and their XXXX day policy on refunds. I consider myself an agent of change and always believe in " Doingtherightthing ''. For me this wasn't about money, it's actually about somebody in the same situation who can't afford to have essentially that money in limbo because a financial institution that believes the have the right to use settled funds ( paid in full by my banks to them ) for up to XXXX days.
I'm going site XXXX sections of XXXX XXXX Part XXXX - Truth in Lending ( Regulation Z ) as reference : Subpart C - Closed-End Credit XXXX XXXX When a credit balance in excess of {$1.00} is created in connection with a transaction ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of a consumer ), the creditor shall : ( a ) Credit the amount of the credit balance to the consumer 's account ; Official interpretation of Paragraph XXXX ( a ) Show ( b ) Refund any part of the remaining credit balance, upon the written request of the consumer ; and ( Look at latest version you end in an AND statement ) That is a problem - and companies are using it to their advantage!
Let me use this for a XXXX XXXX as a reference to show what should likely be published " Refund any part of the remaining credit balance within XXXX business days from receipt of a written request from the consumer '', full detail below : XXXX XXXX - XXXX Treatment of credit balances ; account termination.
( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : Official interpretation of XXXX ( a ) Credit Balances Show ( XXXX ) Credit the amount of the credit balance to the consumer 's account ; ( XXXX ) Refund any part of the remaining credit balance within XXXX business days from receipt of a written request from the consumer ; So as of right now Ally is playing phone tag with me just escalated up the number from below to the the next supervisor - XXXX minutes later I am hanging up.
Call me XXXX, this isn't ok, and the less fortunate are being taken advantage off.
Regards, XXXX XXXX Transcript of online emails with Ally and Myself- From Ally XXXX XX/XX/21 Hello, We received your message. Due to the nature of this request, we need to speak with you by phone.
Please call us at XXXX ( XXXX ), Monday - Friday, XXXX am - XXXX pm ET and Saturday XXXX am - XXXX pm ET. XXXX Sunday.
Sincerely, Ally Bank If you submitted more than XXXX request, you may receive additional responses in a separate message.
To Ally Auto XX/XX/21 Id apologize to whoever was messenger as I am sure even writing that message makes you cringe, but since its signed Ally bank Ill just say, look at my communications with you and Im at this point just baffled why you would just not even try to retain a customer like myself. Final thoughts thanks for letting know that as a bank you will sit on $ XXXX collecting interest on those fund for up to XXXX months, thats just bad business on your part. You have the ability to send those funds the moment the loan is paid off in full. I worked extensively in finance at a different point in my career.
Ill say this you should use my message as a bold eye opening experience on how you are not maximizing who you could be. Basically your not doing the right thing, that is bad policy, you could have easily retained me, I guess your bad policy stopped you there too.
Right up until the moment you chose to use we are backup we up as an excuse, I would have overlooked your lack of response time to my payoff quote, literally forcing me to make an extra payment full knowing I was refinancing ( at 1.4 % come on, you know where interests rates are ), was that a calculated decision, was it bad policy, or a bad business model? Guess this is why Ally is no longer going to be someone I do business with. Good luck in the future I hope you can learn from this - Im still undecided whether I share my experience to others or not - will see how long it takes you to clear out your backlog, is your software that bad? I mean you process my payments immediately, reality is your taking advantage of the times, this is not a people problem.
Anyway have fun and have happy XXXX, I know I can look in the mirror today, tomorrow hopefully the rest of my life because I am Choosing to do the right thing. Fact Im not missing out on feeding my kids or sending them to a sports camp, visiting finally my parents that I havent been able to see due to XXXX and now dont have the money for that ticket over the holidays- at the end of the day Doing the Right Thing which includes calling out some very bad business policy on your part has helped me be successful. So Be Bold expect more as a company, the right customers are out there, I was one just not me anymore, I went from customer to could have been an advocate, to well you decide where I go from here.
Regards- XXXX XXXX XXXX Ally Auto XX/XX/21 Hello, Thank you for your message.
Any overpayment will be refunded back to you in the form of check. If the overpayment amount is {$100.00} or more, there will be XXXX calendar days for processing, then XXXX to XXXX days for manager approval, XXXX to XXXX days for check supplier to cut and mail check and finally XXXX days for mailing time. Otherwise, it will be issued automatically the day after the payoff posting date. However, our Refund Team are currently behind due to higher than the normal volume and it will take for them at least 55 days to process the refund and to release the check from the normal processing time.
Sincerely, Ally Bank If you submitted more than XXXX request, you may receive additional responses in a separate message.
To Ally Auto XX/XX/21 As a result of my payoff and timing of last payment, I believe I have a negative balance, what is the process and timing for that over-payment to be returned to me? Thanks for your help and business.
XXXX XXXX XXXX
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| 01/12/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
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I will like that the financial institution, who has finance the vehicle to acknowledge that I no longer has any responsibilities regarding this vehicle, this account by ALLY FINANCIAL was never late, correct the information to correct the wrong information in all 3 major credits company 's. to be notice as PAID AS Agree never late.
Dear Miss. XXXX. 1 ) XX/XX/XXXX ( new contract ) with XXXX XXXX XXXX and Ally Financial., and, A ) When I'm at the table of negotiation with the Dealer, I'm in a total agreement with XXXX XXXX by presenting the terms and conditions that not only the dealer has but Ally Financial as well.
During the purchase time of such vehicle, I could either say no, an walk away or agree to terms and condition presented to me at that moment, were During the process of leading with the terms and conditions.
Im was never told told, Ally only purchase Retail installments after a sale is been completed from dealer.
Im signing a documents were states I'm agreeing with the terms of the financial ( ALLY FINANCIAL ) institution as well the dealer.
B ) As we are well aware ( Beginning ) will be the first of each month ( CORRECT ) on my account, not the ( 01, of each month ).
Therefore from XX/XX/XXXX till XX/XX/XXXX are 30 days. not starting from the First day of the month. ( CORRECT ) Please answer this questions why are you walking away from some it is true and is right.
I believed I paid on time the fee in order to have all the XXXX of each month to complete a payment. Also in the contract sing are the terms by ALLY Financial Again so from the Beginning it has been Ally Financial and XXXX XXXX all alone contract not just XXXX XXXX ALONE.
Another interest point under the contract were I Ally Financial XX/XX/XXXX, As I explain I agree it is a paragraph that states if Im not able to do so ( payment {$810.00} ), I still have an extra 10 days, ( 10DAYS ), period of grace to complete each payment, that is the agreement I have sign we understand that correct, back on XX/XX/XXXX, and is very clear and there no but this and that, or he said she said.
So what I do not understand is that know and quote, ( Ally Only purchases Retail Installment Sale Contracts ( AFTER ) the dealership and the customer have agree to the terms.
Ally 's only product are the financial services we offer. From the moment I AT the table of negotiation Ally 's Financial has and was present, may not be physically but by phone and papers.
How can Ally said and I quote ( Ally does not participate in negotiations between the dealership and the customers ) when Allys agree to approve a loan at a rate of 13.64 % with a terms of 75 months installments XX/XX/XXXX. How can Ally said only purchase Retail Installments?
C ) Back to the ( beginning ) XX/XX/XXXX to XX/XX/XXXX 30 days we agree A ) XX/XX/XXXX till XX/XX/XXXX is only 25 days not 30 days. ( 25 DAYS NOT 30 DAYS ) WHY CAN YOU SEE THIS ) Our year calendar has 30days, but on my account in order to be chronological states that from each XXXX of the month, that payments are do each XXXX first of the month, so look from when the dealer purchase the loan back I have no responsibility any longer.
D ) A contract become a legal document when either is Verbal, ( example ) in the old days hand shake, or now days to avoid such issues and predicaments, a legal document is sing correct.
A ) Contract law regulates the obligations established by agreement, whether express or implied, between private parties in the United States. The law of contracts varies from state to state ; there is nationwide federal contract law in certain areas, such as contracts entered into pursuant to Federal Reclamation Law.
Therefore Miss. XXXX ; Right on about this dates XX/XX/XXXX, we could stipulated that a new contract was sign by 3 parties, XX/XX/XXXXXXXX, Ally Financial, and Mr. XXXX. Right around this Date the contract sing back on XX/XX/XXXX, was void, terminated, finish Between Mr. XXXX and Ally Financial.
Therefore a new Contract takes place right on around XX/XX/XXXX, that from here and thereafter XX/XX/XXXXXXXX, takes full responsibility and according to the Law of Florida after Releasing the Title of the vehicle Mr. XXXX has no longer any type of Responsibility or Jurisdiction from here on XX/XX/XXXX.
A new contract enters in effects. Therefore Miss. XXXX, Mr. XXXX contract is over from XX/XX/XXXX, so How is that Mr. XXXX is late on the month of XX/XX/XXXX, when at no point Mr. XXXX neither was late of any payment, when the beginning of each month, is the XX/XX/XXXX in which it has been already establish not once but twice, therefore Mr. XXXX should not be penalize for any late month specially were are a power of attorney issue at the time XXXX XXXXXXXX decided to buy back the car. So I ask and I pray that this mistake be complete sponge from Mr. XXXX credits agencies at most, such as XXXX, XX/XX/XXXX, XXXX XXXX. I also must said during conversation was agree, upon the month XX/XX/XXXX XXXX were Mr. XXXX XXXX, evidence states that XXXX XXXX will take care all payments.
Including the reimburse of all payments made against the loan.
Therefore is why Mr. XXXX XXXX, ( DEALER ) decided to buy back the vehicle year of XXXX XXXX XXXX, again this is not about the experience of the vehicle, but the correction on Mr. XXXX Creditors.
I must also said, it is very strange I try to reach Ally Financial in many occasions, countless I will said, I wouldnt get any were, will get answers from XXXX, XXXX, even XXXX calls were been rerouted all over expect to right Department.
Miss XXXX ; Estrange do not even know last name, not that we need it, but is a way of Curtsey.
How it executive to present then selves, and the company they Represent. Imagine If, CEO, XXXX XXXX. XXXX ally Financial, dont present properly in a conference, how do you think hes representation may look if he don't represent him self correctly.
I have sent a official letter can you beloved this letter were r return to the address you have provided to me do you think this is right right at All.
I said from XXXX XX/XX/XXXX are 25 days not 30. Also XXXX XXXX purchase the contact, the title was sign with a power of attorney on XX/XX/XXXX. All I ask is to clear my credit not only one month but both XX/XX/XXXXand XX/XX/XXXX, we could stop this back and forth e-mails.
I can stretch this anymore. Thanks Respectfully Mr. XXXX I pray that the Consumer Financial Protection Bureau can make the proper Ruling and clear Mr. XXXX of any wrong doing. And if any evidence is need we are happy to present.
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| 09/03/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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XX/XX/XXXX I wish to report Consumer Fraud and Unfair Business Practices with Ally Financial and am seeking restitution.
My XXXX XXXX XXXX was leased through Ally Financial beginning XX/XX/XXXX. Unfortunately, my XXXX was stolen while in XXXX, XXXX on XX/XX/XXXX. I reported this theft to Ally Financial, the XXXX Police Department, and XXXX XXXX XXXX the day of the theft. I decided to buy the XXXX from Ally on XX/XX/XXXX ( even though the XXXX was not yet recovered ), and requested a Buy Out Agreement from Ally, which I received the next day. Please note, I plan to wait another 1-2 months to see if my XXXX is recovered before I pursue any claim with my insurance company, XXXX XXXX XXXX
Below are key facts and the sequence of events : XX/XX/XXXX I called Ally to inform them my XXXX was stolen XX/XX/XXXX I requested the Buyout Agreement from Ally XX/XX/XXXX Ally sent me the Buyout Agreement via my Ally email portal ( attachment ) XX/XX/XXXX XXXX ( with XXXX XXXX ) called Ally to confirm the terms and amount of my buyout. Ally confirmed for me to mail a check for {$47000.00} by XX/XX/XXXX and then Ally would mail me my title.
XX/XX/XXXX Ally asked XXXX XXXX what the replacement value of my XXXX was ( if my XXXX is never recovered ) based on Comps. XXXX XXXX shared the value of {$60000.00}. Ally immediately demanded this money ( as it was + {$13000.00} greater than my Buyout ) even though Ally was fully aware I was in the middle of executing the Buyout, in line with my lease contract.
XX/XX/XXXX XXXX XXXX and I called Ally to confirm they were clear I was executing the Buyout, they would not receive {$60000.00} from XXXX XXXX, and there was no total loss on the XXXX ( at this time ). Both the Buyout Department and Total Loss Department said they needed a letter from XXXX XXXX stating today there is no claim and therefore there is no total loss.
XX/XX/XXXX The Buyout Agreement check for {$47000.00} was received by Ally per USPS signature confirmation ( attachment ) XX/XX/XXXX XXXX XXXX issued the letter requested by Ally. XXXX XXXX and I called Ally to ensure they had the necessary letter and that nothing else was needed to execute my Buy Out Agreement. This phone call was a nightmare and lasted XXXX hours and XXXX minutes. We were transferred from XXXX department to another, and repeatedly put on hold. We spoke to the Total Loss Department, then the Customer Service Department, then the Buyout Department, then the Total Loss Department, and again the Total Loss Department. The call ended with an employee from the Total Loss Department telling us that I could not buy the car, and that she is personally now cancelling my Buyout Agreement. The employee made multiple disrespectful and discriminatory remarks, such as telling the two XXXX XXXX employees to be quiet. The employee made multiple threatening remarks, such as telling me I would be personally liable for the full {$60000.00}. I asked to talk to the employees manager or to the Escalation Department as the issue was not resolved. The employee refused and told me she is the Escalation Department, there is no one beyond her to escalate to, and all her decisions are final. This clearly was an exercise in futility and a ploy by Ally for me to get frustrated and give up.
XX/XX/XXXX I wrote a three-page letter to Ally Executive Consumer Relations, citing the issue, sharing the poor customer service, and requesting help. I have not heard any response.
XX/XX/XXXX I made my regular monthly XXXX lease payment via auto deduct. Note all payments have been on time and my account is current.
XX/XX/XXXX The {$47000.00} buyout check cleared my bank ( attachment ) XX/XX/XXXX I called Ally Buyout Department to see when I would get my title, since they had received and cashed my check. I was told someone in the Total Loss Department has a hold on my account with the note Do not sell the customer the XXXX. Therefore, the Buyout employee said he could not send me my title even though I have paid for the XXXX per my agreement.
These many conversations with Ally can be corroborated as : Ally records the phone calls Both XXXX XXXX and I took copious notes including dates, times, names of departments, and names of employees with every conversation.
Ally is greedy and does not want to honor the Buyout Agreement that is outlined in my lease contract and was sent to me on XX/XX/XXXX, even after I confirmed verbally the amount/conditions of the buyout agreement on several phone calls in XXXX, even after I fulfilled the requirements of the Buyout Agreement, and even after Ally cashed my check for {$47000.00}. Instead, Ally would like to get a larger check from XXXX XXXX ( {$60000.00} ), which is the amount I will need to purchase a similar XXXX if in fact my XXXX is never recovered.
Ally has clearly demonstrated deception, unethical business practices, and consumer fraud. I demand Ally send me my title within 10 days. If this does not occur, I will pursue punitive damages.
I, along with XXXX XXXX, have tried to resolve this issue on at least six different occasions, investing countless hours, to no avail. The Ally customer service has been appalling. Being transferred back and forth between departments and being put repeatedly on hold is exhausting. Being told conflicting information by different departments and given an apparent runaround is disheartening. Being treated with disrespect and being threatened is unacceptable. Holding my XXXX title after full payment is rendered is illegal.
Since my issue is unresolved, and the letter and email I sent to the Ally Customer Service Department is ignored, I plan to escalate and take the following actions today : Inform Ally top leaders of the fraud, bad business practices, and horrid customer service : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contact my personal attorney and ask him to contact the Ally legal department directly : Law Offices of XXXX XXXX XXXX XXXX XXXX XXXX. Likely I will be referred to an attorney in XXXX where Ally is headquartered.
Communicate the acts of flagrant deception and fraud to the news media call to action XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX consumer fraud complaints with the following agencies : XXXX XXXX XXXX FTC CFPB My Ally account information, my contact information, and Ally headquarters information is below.
Respectfully yours, XXXX
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| 10/23/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
Older American, Servicemember |
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Case Summary : Complainant : XXXX XXXX ( hard of hearing on phone calls ) email : XXXX Company involved : Ally Bank XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Ally bought out my credit card account at XXXX XXXX. During the transition fraudulent charges from XXXX were allowed on my account in the amount of {$630.00}. These charges put the account over limit so fees incurred from that and the interest raised to 39.9 % synopsis of what happened : My daughter, XXXX XXXX. Had a XXXX account years ago for an online business she had on XXXX as it was required by XXXX for payments.
She had closed the account over two ( 2 ) years ago when Covid destroyed her business.
On XX/XX/XXXX, she was notified by her bank, XXXX XXXX, that there were suspicious XXXX charges on her account. The accounts were closed and new accounts and debit cards were issued to her. She also notified XXXX of the fraud.
Going back go XXXX, my card with then XXXX XXXX, I used the card through her XXXX to purchase a XXXX XXXX. She deleted the card info on her account ( at least we thought we did ).
In XXXX of XXXX, XXXX XXXX was bought out by Ally Bank and everything was transitioned over to Ally. My statement in XXXX showed charges on XXXX in the following dates and amounts.
Summary of Account Activity New Statement Balance {$1500.00} Transactions XXXX XXXX XXXX Date Reference Description Amount New Statement Balance {$1500.00} Past Due Amount {$0.00}.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these were all fraudulent charges through XXXX on the XXXX card XXXX because of the bank ownership transition I did not see the statement until I began getting emails from Ally that I was over my limit which I knew was not possible.
I set up the Ally account online where I could view the statement and locked the card.
A phone call, or rather several phone calls, were made to report the fraudulent charges to Ally bank.
I have a hearing impairment and have trouble with phone calls, so I asked my daughter to talk to the woman who answered from Ally. My daughter had to ask the representative to repeat herself and please slow down as the employee was very hard to understand. The Ally employee hung up on the call. The call was on speaker and my daughter was not rude or offensive to her at anytime.
Calling back she spoke to a gentleman who took all the information and noted the charges from XXXX appearing on the XXXX statement. She also informed him about the XXXX security breach. He indicated he would send paperwork for me to fill out to dispute the charges, He stated the paperwork would be sent before XX/XX/XXXX.
I received more emails from Ally stating I was over my limit and needed to make a payment, Note they had kicked the interest rate up to XXXX percent. Which more than doubled the payment.
Looking at the new statement for XXXX showed the following charges allowed from XXXX on the closed account.
XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} Ally had not taken the disputed charges off of the account and had allowed fraudulent charges up to and over the XXXX limit. I have no idea about the XXXX credits ranging from XXXX cents to {$8.00} which do not fix the amounts charged to the account, Ally sent me a new card and I noticed in the fine print that all disputes have to be in writing which the gentleman never mentioned, I did not have a functioning printer so I carefully copied all of the charges along with all of the numerals on each line to several pages on a legal pad and noted on each page these were fraudulent charges and signed each page. This was mailed out on XX/XX/XXXX.
The only thing I have received from Ally is emails reminding me I owe them an upcoming payment in XXXX days. As of this date, XXXX, the charges are still on the account, I paid the payment so I did not get a late payment.
Any help in getting these charges taken off of my account would be appreciated.
Case Summary : Complainant : XXXX XXXX ( hard of hearing on phone calls ) email : XXXX Company involved : Ally Bank XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX Ally bought out my credit card account at XXXX XXXX. During the transition fraudulent charges from XXXX were allowed on my account in the amount of {$630.00}. These charges put the account over limit so fees incurred from that and the interest raised to 39.9 % call to company, first call representative hung up, second call representative said they would send paperwork to sign by XXXX nothing received, card locked, second statement shows charges still listed on account with interest still being charged on fraudulent charges.
Letter sent to company at address listed for billing errors. Letter had every charge listed by date, transaction number, amount, etc.
no reply except emails reminding me of due date of payment.
Article about XXXX security breech NEWS XXXX XXXX accounts hacked, and users couldve prevented it Unique passwords and XXXX would protect against this.
XXXX XXXX XXXX editor, XXXX XXXX XXXX XXXX XXXX XXXX Another day, another major security breach. Following in the footstep ofXXXX on XXXX XXXX began notifying nearly XXXX users that their accounts were breached between XX/XX/XXXX and XXXX
|
| 02/17/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
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I am writing to file a formal complaint regarding denial of my mortgage loan in the amount of {$470000.00} by Ally Bank.
My spouse and I were recently offered faculty jobs and were excited to move to a new state and buy our first house. When I first called to get pre-approval ( XX/XX/XXXX ), I mentioned our new positions and asked if it would be possible to determine loan amounts under two scenarios : ( 1 ) our current jobs and ( 2 ) our future jobs, which come with much higher salaries. The reason for this was that our new city 's real estate market is extremely " hot '' and I wanted to know whether waiting until we started our new positions and were earning more would be necessary to afford the type of home we need. As it turned out, our current salaries were sufficient, and we moved forward with our real estate search after being pre-approved. We got lucky and found the quickly perfect house and are now under contract with scheduled closing on XX/XX/XXXX. This meant we'd be moving a little earlier than originally planned, but we loved the house and were excited for a chance to get settled in before starting our new jobs.
At this point, we began the process of uploading numerous supporting documents to our application. This was time-consuming because many documents would get sent back to us. On XX/XX/XXXX, we tried calling our assigned " team member '', but were told he was busy and would call us back later. He never did. Nevertheless, we finally submitted all requested documents, which included ( 1 ) paystubs for my current position ; ( 2 ) W2 's for my current position ; ( 3 ) an employment verification letter noting my spouse 's salary in his current position as paystubs are not provided by his current employer ; ( 4 ) 1099 's for my spouse 's current position ; ( 5 ) bank statements for my spouse 's current position to document monthly pay ; ( 6 ) tax returns for my spouse 's current position as additional proof of income ; and ( 7 ) signed offer letters for each of our future positions. As stated in our offer letters, our start dates are scheduled for summer XXXX. Therefore, these positions could not be used to qualify our mortgage loan application as we would not be receiving paystubs until 90+ days after our scheduled closing date. Given that we already had relayed that we'd like to use our current jobs to qualify for the loan, I am not sure why we were asked for these documents. Still, we provided them because they show that we are due for a substantial salary increase and thought that would strengthen our application.
On XX/XX/XXXX, we received an email notifying us that our employment could not be verified given the start dates for our future job offers were for 90+ days after closing. Again, we already knew these future positions could not be used to qualify for a mortgage and thus, asked for the underwriter to verify incomes for our current positions. We received an emailed response stating " From my knowledge, you need to stay employed with your current employer for at least about a month through closing for us to qualify it. Can you confirm when you and [ SPOUSE ] will both end your employment with your current employers? '' We responded with signed appointment letters from our current employers showing that we would indeed be employed in our positions for at least a month after closing. As is common in our industries ( I am employed in academia, my spouse is employed by the federal government ), we sign annual contracts which are both current through 30+ days after closing. These contracts are renewed on a yearly basis and we have been re-appointed in these positions for several years. Our plan was to maintain our current employment with these contracts and only resign once we are 30 days out from starting our new positions.
On XX/XX/XXXX, we received another email from Ally stating that underwriting was still unable to qualify us with our current employers as our employment has " determined end dates ''. In fact, these are not determined end dates, rather contract renewal dates. I tried calling Ally to discuss this but was told my assigned " team member '' was on the other line and unavailable.
I also reached out to my assigned team member 's supervisor via email to try to better understand the situation. He responded that the " reason we are unable to move forward with your application is due to continuity of income. Since you will no longer be working for your current employers we are unable to use that income. Based on the offer letter/contract that you have provided and the verbiage in contract we are unable to use that income as well. The contract does not indicate employment ends in 12 months but is subject to annual reappointment. We as a lender must document the likelihood of continued receipt of the income for at least three years. '' This explanation ( " continuity of income '' ) Is incorrect for two reasons. First and foremost, XXXX XXXX makes it very clear in its guidelines ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ) that as long as income has been stable and predictable, it can be used as qualifying income. Again, we have been in our current positions for several years and our incomes have stayed the same or have slightly increased during that time. Second, the Continuity of Income requirements do not apply to base salary income, so there is no need to document that the income will continue for the next three years. Based on this, I am not sure why were asked to provide current employment contracts and offer letters of future employment since these should not have been applicable to our situation. However, as honest people, we provided these documents as requested.
My spouse and I have worked very hard over the past few years to earn PhDs, find stable jobs, maintain excellent credit scores ( XXXX ), limit debt ( no credit card debt, only student loans ), and save for a down payment. We were so looking forward to buying our first home, and now feel extremely frustrated. More than that, we feel misled by Ally. People move to start new jobs all the time... It appears that Ally will not provide mortgages to such people unless 1. ) they change jobs immediately after closing ( in order to be able to provide paystubs ) or they 2. ) wait years after moving to buy a house. I don't understand why there's no option for people who want to buy a house and then start new jobs after getting settled in, as long as they can provide supporting documentation.
|
| 03/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I purchased the truck XX/XX/XXXX. Loan Account # On XX/XX/XXXX, the truck was involved in an accident with a fatality on XXXX XXXX XXXX. Louisiana XXXX Police towed my truck to a wrecker yard of my choice as well as the other vehicle, but a hold was placed on the vehicles due to the fatality and the investigation into the cause of the accident.
The wrecker yard that I asked them to bring my truck to was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX Louisiana because I work in XXXX and I am familiar with that location and easy access for me during the day. As standard operating procedure XXXX XXXX XXXX mailed a letter stating that the vehicle was placed in their position due to a wreck and they copied that letter to the lienholder which is Ally.
I was in communication with XXXX XXXX XXXX throughout this event. It was because I was in contact with them that they called me to tell me that my bank was trying to pick the vehicle up and said that once the state police released the hold that they could not stop the bank from picking up the truck. I said my notes are paid and I do not have a clue as to why the financial institute would be trying to pick up my truck. This is odd. I had a lot going on due to the injuries my husband sustained in the wreck and tried daily to Ally Financial on the phone which is a task within itself. I never could get them on the phone and noticed they blocked/disabled my app that I used to pay the note on the vehicle.
During this time, my insurance was trying to get to the vehicle to do a damage report and we were trying to find out the responsible party insurance to file a claim with them. We could not get this info until later due to the owner was the fatality in the wreck.
After the XXXX police released the hold on the totaled vehicle, Ally was able to illegally take possession of my vehicle which resulted in me not knowing where my property was, and they refused to tell the responsible insurance party where it was located for them to do a damage estimate.
I got Ally on the phone finally only by being transferred to the repossession department and was told that they took possession of the vehicle to protect their interest in the vehicle so the towing yard could not sell the property. They stated that they received a letter from the towing yard and started the process to take possession of it. Tow yard sent out their standard letter they are required to send by law and CC to lienholder and when the incompetent Ally employee got that notice they started this whole repossession fiasco and hindered the insurance companies from viewing the automobile to do the damage estimate after the state police released the automobile after their fatality investigation. The vehicle was not even close to being in the stage where the towing yard had a right to sell anything.
All that I am putting in this letter is a short version of a long drawn-out terror that Ally has added insult to injury.
During this drama I had to stay on the phone with Ally day after day only to find that they sent my truck to auction to sell it. I was able to stop the auction yard from doing anything until XXXX, which is the responsible party, could view the truck to do the estimate which was also a total loss. Keep in mind all this time my notes are paid.
I never received one letter from Ally telling me that they were trying to get my truck for any reason much less did I receive a letter stating they had my truck and was going to sell it at auction. It was after I got a lawyer involved and he was eventually able to drag some information out of them. They emailed him a letter that said they mailed me which the contents of the letter read more like ransom note. The only money they wanted from me was the money they paid to the towing company, the towing company they used to illegally pick up my truck and the extortion fee they called a repossession fee because they went and took possession of it illegally and then charged me for it. All they say to protect their interest in the truck. They have made it almost impossible to have the damage to my personal property settled. To this very minute they will not acknowledge the money they have been paid by insurance company and they have my account listed as closed which they closed when they picked my truck up illegally.
The emailed letter said I broke a promise in the contract. ( by allowing it to get towed ) My experience with Ally has been a complete and utter joke and I hope someone can investigate the whole inner workings of this financial institute.
Important : Not one but two different insurance companies. Meaning even if the responsible party insurance did not pay then my insurance would for sure PLUS Gap insurance to cover whatever the insurance did not cover.
WHY WOULD ALLY DO THIS TO ANYBODY?
Ally stole my property and charged me for them taking it.
Ally made it impossible to settle my personal property claim on time.
Ally is falsely reporting to credit bureaus to intentionally cause harm to my credit.
Additionally, as if what's listed above is not enough, Ally canceled my life insurance policy and to this day I still have extended coverage on the vehicle and they will not refund my money.
Additionally, after numerous failed attempts to have them correct their malicious behavior by removing the repossession from my credit now I have to add that they stop increasing the balance on a closed account. This malicious, obviously a standard operating procedure for them is continuing to damage my credit, health and financial situation.
I have all the documentation needed to support my claim of Ally malicious behavior and I am on a mission to get this corrected by sending this information to my representatives, senators, Federal Reserve, XXXX XXXX XXXX which they are not an accredited member of and an attorney that handles fair lending malpractice and false credit reporting.
For over a year I have been trying to get Ally to correct their mistake and they refuse.
I had no choice but to allow it to be towed due to its conditions in the wreck and the state police putting a hold on it due to the fatality in the wreck.
Additionally, see attachments for letter and title from Ally mailing my tile and/or lien release dated XX/XX/XXXX but yet the malicious incompetent behavior of report to credit bureaus incorrectly continues to this very day and todays date is XX/XX/XXXX. Over a year later. XXXX help me to find a lawyer that is willing to help me.
|
| 04/24/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Web |
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Ally Bank froze all of my bank accounts when I attempted to transfer money to my external bank account, suspecting fraudulent activity. Despite verifying the transfer with them, my money has been held hostage since XX/XX/XXXX. Ally is aware that these accounts are crucial for paying my bills and rent, as well as receiving my paycheck. The day after my accounts were frozen, I received a voicemail from Ally Bank investigator XXXX XXXX, but I haven't been able to contact her since. I've spoken to the fraud prevention department six times, and they keep telling me to wait for XXXX to call back and that they can not directly connect me to her. However, based on the reps ' feedback, XXXX hasn't reviewed my verification answers yet, and I'm still waiting for her to call. It's been almost a week since Ally locked me out of my accounts. The fraud department reps have also given me inconsistent information about various matters, including the initial reason for freezing my accounts, their ability to reach the investigator, their escalation process, and my ability to speak with a supervisor.
************************************************************************************************************** Sequence of events : On XX/XX/XXXX, I linked an external bank account using Ally 's online banking platform and successfully verified two trial deposits. I then proceeded to transfer {$20000.00} from my Ally money market account to my external account. However, on the same day, without any prior contact, Ally froze all of my accounts.
____________________________________________________________________________________ On Thursday, XX/XX/XXXX, I received a voicemail from Ally 's fraud investigator, XXXX XXXX, who requested that I call her back at XXXX to " make sure we're not experiencing any fraud in your bank account. '' Since this number was not listed on Ally 's website, I contacted the fraud hotline provided on their website to ensure that the voicemail was legitimate. The Ally representative informed me that she did not recognize the XXXX number, but transferred me to that very number to speak with their fraud department. It is concerning that Ally Bank reps are not aware of their own phone numbers. The fraud department rep, " XXXX, '' verified my identity and proceeded to ask me questions about my recent banking activities, as well as my internet and cellphone providers. Afterward, he informed me that I needed to wait for the investigator to review my answers and make a decision. He declined my request to transfer me to the investigator and did not provide me with any timelines as to when my case would be reviewed or when the investigator would contact me. He stated that Ally Bank has the right to review my account at any time and refused to resolve the issue even though I had already verified the transaction. As a result, both of my accounts remained frozen.
____________________________________________________________________________________ On XX/XX/XXXX, I called Ally Bank 's fraud department twice and was again stone-walled by both reps. The first rep informed me that my account was frozen because the external account I linked was not under my name, but this didn't make sense as I had opened the external account in my name. She said I must wait for the investigator to call me, which could take up to 30 days. When I asked if the investigator could unfreeze my account without speaking to me due to being in a different time zone, she said she didn't know and that the investigator may need to talk to me about " what not to do next time '', implying that this was my fault. The representative claimed she would escalate my case, but when I called back later, a different representative claimed they had no way to escalate my case. He also refused to let me speak to a supervisor.
____________________________________________________________________________________ On Sunday, XX/XX/XXXX, I spoke to another rep who informed me of two processes that the previous reps failed to follow : 1 ) I can be redirected to the fraud prevention team supervisor 's voicemail for a call back, and 2 ) I can ask the reps to immediately message the investigator, XXXX, to see if she's available to speak with me. When I was surprised the previous reps didn't disclose this information, the rep admitted that some reps aren't friendly or willing to reach out to the investigator. Unfortunately, he couldn't message XXXX himself because she doesn't work on weekends.
____________________________________________________________________________________ On XX/XX/XXXX, I spoke to two different fraud department reps and asked them to contact the XXXX to see if she could speak with me immediately. However, both reps said this was not protocol, they can't contact the investigator directly, and that I was given incorrect information. They offered to transfer me to their supervisor 's voicemail and assured a call back in 24-48 business hours. They also promised to contact their supervisor on their end and one rep said she would contact XXXXXXXX XXXX supervisor as well. According to them, XXXX still hasn't reviewed the answers I provided last Thursday. When I asked the second rep about why my account was frozen, he said it was due to an " invalid '' external account that I linked, not because it was under a different name. This still doesn't make sense as I received two trial deposits from Ally in that external account. I left a voicemail with the fraud department 's supervisor and am waiting for a call back from both the supervisor and XXXX.
************************************************************************************************************** It's distressing that a bank can freeze my accounts without contacting me first, even when I've done nothing wrong. I can't get this issue resolved because I have no way to get in touch with the investigator XXXX XXXX, who holds all the decision power, and she refuses to review my case in a timely manner. This should have been resolved in a few hours or, at most, by the next day. Ally Bank has failed to show any sense of urgency in helping me regain access to my money, despite knowing that I rely on these accounts to pay my bills, buy groceries, and pay rent. Freezing customers out of all their bank accounts and expecting them to wait 30 days for an investigator to review basic information is unacceptable and should not be considered a security protocol.
|
| 08/08/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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I originally had a vehicle loan through Ally. On XX/XX/2019 I was approved to refinance the loan through XXXX XXXX XXXX XXXX. I contacted Ally and asked for the Payoff amount. They gave me the amount of {$14000.00} and said that amount would be good until XX/XX/2019. I asked if they would notate my account that I would be mailing them a check to pay off the loan. They said they notated it. I put the check in the mail on the same day, Wednesday, XX/XX/2019. Monday XX/XX/XXXX I called Ally and spoke with a Manager by the name of XXXX. He said they had not yet received the check and to keep checking my online account for it to post and call back in a few days. He said he did not see any notes in my account but would notate the account himself, that there was a check in the mail. Friday XXXX I called and was not able to speak to XXXX again and was told they had not received the check. I waited a few more days. On Wednesday XX/XX/XXXX I called Ally and was told XXXX wasn't available. So, I requested another Manager. I was told there was not a Manager available, they were busy and one would give me a call back. I explained the situation to the United States Rep on the phone. I told her I was worried about getting any type of fees because they hadn't received the check yet. She assured me that if there were any fees assessed they would be waived and adjusted once they received the check. She also said she didn't see where there were any notes in my account but that she would write some and claimed she was writing them while we were on the phone. She promised a Manager would call me back shortly. I never got a call back. Monday XX/XX/XXXX I called Ally again. I talked to a Manager by the name of XXXX. He told me that they had not received a check, that a late fee and daily finance fees had been added to my account balance and that even if they received the check they could not accept it if it did not include an additional amount now due of {$220.00}, to cover the additional charges. I explained how I was told any fees would be waived and it doesn't make sense how they don't have the check nor, has it been returned to me. He told me Ally was not at fault here and if I wanted to pay off the loan it had to be paid in full, including the new charges. I ended the phone call and went in to XXXX XXXX to see if they could help in any way. XXXX XXXX was shocked by the behaviors of Ally and was very apologetic there was not much they could do to help, other than, completely redo the loan, cancel the 1st check and write another check. I didn't want to take another hit to our credit. Reworking the loan required another application being ran with a credit inquiry. So I left and decided to wait a few more days. Around XXXX XXXX on XX/XX/2019, I received an automated call from Ally asking for the past due payment. The next morning XX/XX/19, I went back in to XXXX XXXX. I had them cancel the missing 1st check and write a new check with the same, original payoff amount. The Manager of the Bank offered to overnight the check through XXXX XXXX. I called Ally and confirmed the address. The 2nd check was sent through XXXX XXXX on XX/XX/19. It was received and signed for by an Ally employee in the payment processing center on Friday, XX/XX/19 at XXXX XXXX. This info I confirmed using the tracking # on the XXXX XXXX website. I called Ally and spoke to a Manager named XXXX. I explained the whole situation and told her I know for a fact they had received the 2nd check. She said she was going to track down the check and call me back. Nobody called me back and per my online account nothing had posted. I waited for a few more days. On Wednesday XX/XX/19 I received a letter from Ally and the 1st check. The letter was dated XX/XX/19, the envelope was postmarked on XX/XX/19 and I received it on XX/XX/19. The letter said the check was not correctly endorsed so they could not accept it. I took the check to XXXX XXXX and they said it was correctly and fully endorsed, there was no reason they shouldn't have accepted it. Instead of calling Ally, on Wednesday XX/XX/19, I attempted to get help using their online chat. I have a copy of the chat I would like to submit. The result of the chat was a recommendation to call in to customer service. So once again I called Ally. This time I spoke with a Manager named XXXX. I explained the whole situation and at this point how worried I was about them reporting something to the credit bureaus. I told her I had filed a complaint with the XXXX and you all. I also told her I had consulted with an Attorney to file suit if need be. She asked for my Attorney 's name and I refused to tell her. XXXX promised she was going to do her best to help me and not to worry about anything reporting to my credit. She put me on hold several times, for over an hour, ending with her saying she would call me back. I explained how many times I had been told that and reminded her of the length of time this had been going on. She gave me her personal phone # and told me I could call her if I didn't hear from her. Again, that was on Wednesday, XX/XX/19. I didn't hear back from her so on Friday, XX/XX/19, I checked my online account with Ally. The Loan was completely gone. There was no payment history, nothing. I thought it was finally taken care of and this nightmare was over. Tuesday morning, XX/XX/19, I received an email with a negative credit alert. I opened it and it was a more than 30 days late, missed payment, reported by Ally Financial. I immediately called XXXX at Ally. She didn't answer so I left her a voicemail. I left 3 voicemails on XX/XX/19. On XX/XX/19, I received negative alerts from all 3 credit bureaus in regard to what Ally reported as well as, my Husband and I both lost over 50 points each on our credit scores. I again called XXXX and through out the day, I left 4 voice mails. Around noon on XX/XX/19 XXXX returned my call. She apologized for the delay in getting back to me. She said she had trouble locating the payment however it was now posted and the loan was paid off in full. I asked her about them reporting against our credit and she said said that it should have never happened this was all their fault and they would be submitting requests to the bureaus to remove it from our reports. Unfortunately, even if they do that, our points are gone! We ended the call.
|
| 05/02/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
XX/XX/XXXX XXXX charged my checking account {$120.00}, I immediately contacted Ally to let them know that this charge was not authorized by me. Ally issued a provisional credit to my account for {$120.00}. In early XXXX I contacted Ally about where my dispute stood and was told the provisional credit was permanent and Ally had decided in my favor.
Believing the case was decided in my favor, I did not bother contacting XXXX who allows 60 days to receive a refund when you have not used or downloaded their product. If I thought even for a moment that Ally would take this money from my account after telling me the case was decided in my favor, I would have contacted XXXX for the refund instead. Now, because Ally reversed their decision and removed the {$120.00} from my account on XX/XX/XXXX, Ally has effectively removed that avenue of getting a refund.
When the charge reappeared on my account I immediately contacted Ally and asked why they removed the {$120.00} since they told me this case was decided in my favor. After calling numerous times and being told I would receive a callback, I could not get a straight answer or a returned call.
Each call they told me something different ; on one call I would be told my dispute was open, on another that it was closed and yet another I would be told it was escalated but at no time could I speak to the department that was handling this matter.
Finally, I was told that they reversed the charge based upon evidence received from XXXX, so I requested a copy of that evidence. After waiting for weeks I received the information that Ally relied on to reverse my charge and they sent another customer file. Does this mean that my information is in someone elses hands as this information is? This seems very dangerous from my point of view that a bank could make such an error. I contacted Ally again and spoke with a supervisor who asked me to send them a copy of the evidence I received, I guess they did not believe me, so I uploaded this information directly to them on XX/XX/XXXX.
That was followed by an email dated XX/XX/XXXX, that had a letter dated XX/XX/XXXX, which Ally claims was mailed to me at that time, but no letter was ever received nor was it sent to my online portal. This letter only magically appeared after I pointed out that the incorrect file was sent to me that belonged to another customer.
After reviewing the real evidence that was finally provided by XXXX, I submitted the inaccuracies that were found, they are as follows : 1. XXXX evidence states that at the time of purchase they recorded my IP address as XXXX this is not my IP address nor has it ever been since I have been with the same internet provider Wi-Five for over three ( 3 ) years ; 2. The IP shows XXXX for XXXX XXXX, this is NOT her ISP this is an XXXX XXXX XXXX ISP and XXXX XXXX XXXX is NOT her internet carrier XXXX is ; 3. The IP address that XXXX states in their evidence does not match my cell phone carrier, XXXX proving further that I never authorized this charge, XXXX has been my cell phone carrier for over 9 years ; 4. The XXXX XXXX claims captured at the time of this purchase does not belong to me nor is has it ever been associated with me in any way ; 5. The billing zip code XXXX claims it captured at the time of this purchase is XXXX when my billing zip code is XXXX. Ally is fully aware of my billing zip code so this should have been considered when they thoroughly investigated this claim proving they never investigated this at all and just took XXXX word over their customers word ; 6. XXXX evidence shows that this purchase was made by mail or phone order, however it contains no CID ; 7. XXXX claims that I had pressed a click to accept button at the time of this sale this is wholly untrue as the evidence above shows because at no time did I make or authorize this charge.
8. XXXX XXXX, At the time of purchase, the merchant took measures to verify this transaction. The following information, collected at that time is considered compelling evidence : This is an outright lie and fraud by XXXX and is proven with XXXX own evidence that does not match any of my information ; Ally has failed to even review my evidence that proves I never made nor authorized this charge, Ally still claims that they performed a thorough investigation and that they closed my case this was before this evidence was submitted! How can they claim that a thorough investigation was made when they did not consider the evidence that I submitted on XX/XX/XXXX? Instead of reviewing my evidence, Ally told me to take it up with XXXX. Even XXXX has acknowledged that I have not used their software since XX/XX/XXXX! I have it in a recorded call! Meaning I never downloaded nor utilized this software, meaning I never received the product.
Notwithstanding this evidence, Ally has decided to disregard all of the other evidence that was sworn out in my dispute, including : 1. The XXXX software is not even on my computer ; 2. I have not used the XXXX software since XXXX ; 3.I am using the XXXX software that is provided by Ally for free and have been since XXXX ; 4. You can not run two antivirus software packages on a computer because if you did both programs would scan your computer, recognize each other as malicious then try to block, remove, or quarantine each other leaving your computer unprotected, leaving you without any protection at all ; 5. I am XXXX and live on less than {$800.00} a month and could never afford software that cost this much ; 6. XXXX has had two class-action suits involving their charging customers without authorization.
It is a sad world when a bank who you entrust with your money does this to a person who is XXXX and living on a very limited income. Instead of protecting their customers, they are siding with merchants who have two class-action suits for this very thing, charging people WITHOUT AUTHORIZATION, yet another fact that they only choose to ignore!
Although I contacted XXXX about a refund, since it has been well over 60 days, there is nothing they are able to do to assist me. The back telling me this was resolved removed that remedy from me.
I will be happy to provide you with any documentation you wish to see, however, I do not wish for that information to be made public as it has sensitive information on it.
|
| 02/02/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
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Ally Bank worked in part with XXXX XXXX to secure a fraudulent loan and activities to prevent consumer ( myself ) by able to understand or bring to surface of the original loan and contract I was aware of and agreed upon. They continuously and dishonestly made changes while helping XXXX XXXX XXXX get away with more than XXXX in cash and trade in vehicle to be repossess sold or etc. Without giving me access to records or resources to prove otherwise while adding additional financial charges to existing contract and denying any illegal actions on there part throughout duration of my compliant and regards causing me so much financial distress and physical distress declining my mental ability to continue to fight and search for any resources available to help me hold anyone accountable but I continues making payments by a means because I knew I wasn't mentally XXXX or XXXX to believe there lies which they wishes I would give in to believe. After what turned into 6 years of payments instead of 12 months and a interest rate of almost 10 percent. Recently thanks to the man above God or good energy or karma whichever maybe responsible or for the person reading this compliant to believes. Less than 10 days ago what I knew both entities worked together to commit against me and cause more than XXXX in damages and as well as so much other injury I may never fully recover in any way I assure you this has permanently effected and took more than I can start to write down on this form. However, what was done behind closed doors and away from my knowledge I can finally not only assume before but I now have 100 percent proof they have done and quickly tried to relieve themselves from any responsibility as soon as I noticed and started asking questions seeking answers they went into action to clean up and do there do diligence from ever being able to bring to light but I finally am able to say I got 150 percent proof both parties Ally Bank and XXXX XXXX XXXX acted and conspired to cause intentional distress to consumer for both profit and selfish reasonings to further there own agenda despise the state laws and regulations which were set in place to protect consumers, both entities and personals went above and beyond to deny any involvement until recently when I have been able to address to them the evidence which before I could only assume they acted unlawfully or had any knowledge of any dealings however its officially now known by both myself and both entities as well as personnels who both work and represent each entity now made aware of that I will no longer stay silent but will report them asap and no remedy or cause of action but which the law or state allows to be fined or punished for breaking the governing ruled and regulations to be notified and ask only for that course of remedy to be the only interest of mine the consumer given I spent 6 years searching for answers hoping for justice or for them to make sense to why this happened to me in the first place but I was consistently lied to and almost believed that I was crazy and mentally uncapable to file any compliant or seek any remedy other than my own self medicating ways to prevent further mental and physical damage I accepted my faith because both entities I knew were working hand in hand to destroy my life and gain from it and I had NO ONE or nothing left except my original purchase which was even intentionally involved in a automobile accident where I now believe was done by the personnel who works for XXXX XXXX XXXX to get me to further agree and replace or have vehicle repossessed to further allow distance from discovering what they done to me from ever coming to light and able to prove it theoretically but I can't prove that other than coincidentally proving emails exactly during times which made me believe more of my theory being facts then fiction especially since all pieces of the puzzle now paint the picture and nothing is left to speculation I can only ask someone other than any of the parties Including myself to be the judge and I know I can only trust the final assessments conclusion at this point I feel I've loss my sanity and judgment to have any opinion would be bias and unfair in court because of such injury and damage I can no longer understand anything I've lost my mind my body my soul my presence my future and only can speak of my past in past tense as it once was what I remember to live a life wherr everydsy i went to sleep on time looking forward to getting up next day hoping to live my future being better than my past but I loss everything including being able to be able to work hard and look forward to anything after my future is now my past memories of what i remembered or understood to be a dream and nothing more. Ive hit low percent poverty and continued to live lawfully with nothing except my parents the few people i have left if nothing else supporting me and being my punching bag when i felt i needed to act out and say life isnt fair to accept what happened to me to be a unjustified act of few people who for long time been able to act above the law and at one point even given bonus for there involvement and use of power and to continue acting in such nature and trusted too by those who i hoped wouldnt trust these entities given the law protects the consumer and corporations from doing unlawful acts and to enforce these entities to act in good faith however they now too are XXXX founded and believe me after I've lost more than anyone I know while believing I myself am crazy in order to keep my sanity and me from going insane more than I already have shown everyone I am and might be just so if I accepted I was crazy then there Maybe a chance I can hold on to some of my little dignity in the face of those whom became aware of my issues to also believe that I am not too crazy for accepting the course of actions set in place to dysfunctional damage me as a whole instead of just financially. Thank you. God bless Sincerely, Lost MAN No Man should have to experience what I had to just to bring one peace but thank you for anything you can do to help assure this won't happen to the next consumer then I can say my purpose did not go to vainly.
XXXX XXXX
|
| 12/15/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
On XX/XX/2018 an interest-bearing checking account was opened with an initial deposit of {$100.00}. There were to be two names on this with equal access for both. When the original paperwork was filled out one signee was living in XXXX but moving to XXXX so used her new XXXX address as she was planning to leave as soon as the funds were released from the of a piece of property, where both signees were going to reside at the same address. Because of where the XXXX signee resided she asked for the debit cards to be sent to the person who purchased her property, as her mail was frequently stolen. All requested information for both parties was filled out properly and sent in as required. On XX/XX/2018 a deposit was made in the amount of {$65000.00}. from a Title Company to this bank. As of XX/XX/2018, neither signee had received a debit card so the bank was contacted by one of the signees to find out when the debit cards would be arriving. They were told that it normally takes 10-15 days for debit cards to arrive, the bank was asked if they had expedited shipping. The signee was told yes, for a {$15.00}. fee XXXX XXXX would deliver both debit cards the next Wednesday. Wednesday came and went no debit cards arrive, again the same signee calls and this time she is told, " we do not nor have we ever had express delivery on our debit cards, you just have to wait for them ''. By this time we both are losing patience. A few days later two debit cards show up, different numbers, same person 's name on both cards! The same signee calls again trying to find out what is going on only to be told her name is not on the account and nobody is going to tell her anything! The other person on the account calls, gets one account activated and tells the bank to put the other co-signer on, they have all the information they need and to send her card to XXXX. The " good '' signee starts using her card, both have decided there is not enough time to purchase a car, get a pod and leave in a few days so has the " bad '' signee books a flight to XXXX through her phone using the " good '' signees debit card. ( with her permission & giving the debit card information ). On XX/XX/18 the " good '' signee tells the " bad '' signee to call her son and have {$55000.00}. drawn out of the bank account ( this had already been discussed with this bank when the account was opened and was approved as the second signee had used funds from her XXXX account to originally open the account ) as the " good '' signee was afraid someone would steal the one good card as she had several phones, debit cards, and personal items stolen in the past, either while she was in the hospital or even out shopping. On XX/XX/18 the " bad '' signee flies to XXXX, on XX/XX/18 the " good '' signee goes to have her hair done at a salon and when she goes to pay, her debit card is denied. She is mortified, the salon keeps her phone as collateral and she is left without any communication device. She does not own a computer, she does not drive and her SS debit card was stolen so the " bad '' signee was going to order her a new one when she got home to XXXX, not putting a rush on it as she had no idea the bank had closed down the second debit card. After several calls to this very annoying bank, who would tell me absolutely nothing, I called them posing as the " good '' signee, passed all their security questions, ( yes we are related and are as close as twins, and I also know I was breaking the rules ) but she needed her darn money and I needed to help her. To make a long story short, the bank gave me a phone number to call, which they called their, " Loss Prevention Dept '' and I was to ask for XXXX. I did what they asked, phony telephone number, phony name. By now the " good '' signee has her phone back, calls the bank to find out why she can't use her debit card, they now tell her she needs to send them a copy of her photo ID and an e-mail address. She had applied for her new ID a few weeks before but living in XXXX it could take up to 6 weeks to get it, all she had was an old ID and a new paper one stating a new photo ID was coming, they would not accept this ID and would not accept the fact that she did not have a computer, hence no e-mail address. She asked if she could give them the " bad '' signees e-mail, she was told absolutely not. She called me and I made a new e-mail account for her and she made a password, and when her ID came in she had the realtor send both requested pieces of information. This bank had never asked for it before, but now that it had a good amount of her money she needs to send in her ID or they won't release her funds! She also told them she had tried the number she was given for their Loss Prevention Department plus had other folks call it & they got the same info we received, their reply to that question is, " someone will get back to you in 2-3 days ''. I can't remember how many times the " good '' signee has called this bank to have my name put on her account and send me a debit card, & has asked them to please release her money. Today is XX/XX/18 and the answer today was the same as it was on XX/XX/2018 ; " someone will get back to you within 2-3 days ''. As a side note, when the account was first opened the bank was told in no uncertain terms they were not to send any checks. Earlier this week checks were sent to the XXXX signee, she hid them and they were stolen by the next day. The credit union where the wired money was to be sent has never received a confirmation that the request was received, we have no idea how much money is in this account as neither one of us has access to it. On XX/XX/2018 at XXXX XXXX I had my Credit Union send this bank a copy of my XXXX drivers license with the full name of the current account holders name and a copy of her account number with the routing number as it showed on the bottom of a deposit ticket sent to my address, so there is absolutely no reason not to add me to this account. In addition, this afternoon the account holder filled out all the paperwork that is required for me to have full access to all of her banking accounts, and that paperwork should be arriving by the middle of next week.
|
| 12/27/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
On XX/XX/2022 at XXXX I submitted a monthly ACH transfer through Ally Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) for {$38.00}. I performed this transfer routinely, nearly every month for the past 2 years. To make ACH transfers, Ally requires customers to select an institution they have previously added from a standard select box. These accounts can't be altered by the end user unless it's removed first, which I confirmed repeatedly with representatives. I've attached a photo showing the select box with the ( current ) incorrect account number and email confirmation I received indicating the correct account number was originally selected.
On XX/XX/XXXX, I noticed I received a late free from XXXX and contacted them to figure out why they hadn't received my money I sent a week earlier. I was informed they never received it and was advised to call Ally. At XXXX I called Ally and was disconnected when I was placed on hold. I called back at XXXX and had a spoken to a representative for nearly XXXX minutes. The representative was able to determine that XXXX had sent a notification to Ally that my account number had changed, so my ACH transfer was unknowingly sent to an account number I have never been associated with ( ending in XXXX ) instead of my normal account ending in XXXX. They told me they would open a dispute, would provide the information they found, and that I would receive a phone call back for more information from the proper department.They advised I call XXXX to dig into why they received the account change notification. I called XXXX which denied having such a system in place. A few days later the {$38.00} was debited to my account temporarily while the investigation continued. Over the next few months I repeatedly called Ally, I've attached screenshots of my call log.
On XX/XX/XXXX I contacted Ally at XXXX because I had received a dispute form in the mail that required me to select one of several options which didn't fit my dispute. I spoke to a representative at that time that advised I put " see the backside '' and write that I needed to receive a callback as promised to further explain the situation. I asked if they were certain this would be seen by an employee and this would work, they assured me it would. I filled out the document as directed and sent it back to Ally.
On XX/XX/XXXX I noticed a vague charge labeled " Withdrawal ''. Admittedly the dispute wasn't on my mind since I hadn't received the callback promised by the previous two representatives. I was concerned my account was compromised, so I called at XXXX to ask what the charge was for. They informed me the dispute was rejected and I asked why I hadn't been called like I was promised. The representative originally told me to file another dispute, but when I expressed I had already did that she told me to call back tomorrow after XXXX eastern to speak to the back office directly.
On XX/XX/XXXX I called back at XXXX as suggested and spoke to a representative. I told her the previous representative had added notes to my account explaining what needed to be done, but she instead investigated on her own despite my continuous requests to speak to someone for escalation. She finally reached out to the " back office '' and spoke to someone, who assured me they would call me within 1 to 2 business days. I asked for a reference number, they provided XXXX which I later found out was a dispute number.
On XX/XX/XXXX at XXXX, I called back and spoke with another representative that informed me my dispute was already in process. They couldn't provide any information why I hadn't received a call back like I was promised. They did inform me that my prior calls were scarcely noted, despite being told otherwise by each previous representative. I requested my call be escalated and was transferred to a supervisor. The supervisor looked further into this and couldn't tell me why I hadn't received any of my promised calls, only that the department I needed to speak to was off Sunday and Monday for XXXX. She told me I should call back tomorrow after XXXX and ask this to be resolved " today '' since she could also see this was a bank error. I was informed there's no way for me to directly reach " the back office '', they must contact me directly.
On XX/XX/XXXX at XXXX, I called Ally for the last time which resulted in a XXXX hour XXXX minute phone call. I spoke to a representative who informed my dispute was in process and said nothing else could be done. I insisted I speak to someone, so they transferred me to a supervisor. The supervisor was able to determine that past representatives had scarcely noted my account and my dispute barely had any information that would indicate the true extent of my issue. He told me he wanted to look into why I was repeatedly promised a phone call back and never received one, which he verified on his end. I explained that my ACH transfer activity shows the money was sent to the account ending in XXXX, but my account ledger shows it was transferred into a different account. He confirmed he could see that on his end as well.
He found out a lot of information during his investigation, but he informed me that what I was told the first time was accurate. The system Ally uses received a response that the account number was incorrect and had changed, so they automated updated my account to reflect the correct account. I expressed that I had never approved this change, I was never informed of this change, and I had sent the money to a different account so it's not my fault this was sent somewhere else. I wanted my {$38.00} back, it's been 3 months. After speaking with two other departments he was able to determine that I would need to contact XXXX myself and give them the trace number for the transaction because Ally wouldn't do anything with the dispute until I did that. I expressed displeasure that Ally made a mistake and now I was being told to call the other institution for them, I just wanted my money back.
I had no other recourse, so I called XXXX at XXXX and after XXXX minutes on the phone, they informed me they would reverse the funds.
|
| 07/05/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
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Web |
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I was looking for a new job and had sent in an application over XXXX for a remote data entry position.
XX/XX/2022 file : email XXXX - interview.pdf I received an email with the subject line, " DATA ENTRY CLERK INTERVIEW '' for a company called XXXX XXXX. I looked up the company and found it to be a legitimate business so I continued with the interview process. I was asked to complete an interview assessment online. The link is still active : https : XXXX.
XX/XX/2022 file : email XXXX - interview.pdf I received another email saying I was successfully selected and the hiring and onboarding process would be completed over XXXX. I was given a XXXX ID to contact if I needed to schedule with a person from HR.
XX/XX/2022 files : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, email XXXX - offer letter.pdf I messaged the given XXXX ID and was put in touch with the XXXX name of XXXX, XXXX. We went thru the duties of the job, the benefits, how the rest of onboarding would go, the offer letter, and the supplies I would be sent. I was emailed an offer letter and returned it with a signature and other documents I was asked for. I would receive supplies ( computer, printer, phone, etc ) after being sent checks which I would then send the funds back. I was told, " Note that the reasons why we send you the funds are to ensure a good working relationship between employer and employee, to observe your dedication and how well you follow instructions and most importantly because of a receipt of payment will be needed upon arrival of the items to enable you claim them!
Once you receive the check you are to have it deposited into your account. The funds will be credited and available the following day for you to withdraw and make purchase of the working items. Once the funds is available, you will be referred to a trusted vendor for purchase of the items which will be delivered to your doorstep by the vendor/shipper. '' I would then report back the next day to begin this process.
XX/XX/2022 files : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, email XXXX - checks for mobile deposit.pdf, deposit confirmation XXXX I was told I would be sent checks thru email which I would then XXXX XXXX into my account. I was sent a check to deposit of {$950.00}, which I did. I got a confirmation for that and sent the confirmation over XXXX. I said that it was pending approval and we were set to talk the next day.
XX/XX/2022 files : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, email XXXX - checks for mobile deposit.pdf, deposit confirmation XXXX, zelle - marcella.png Because of the check confirmation I expected the {$950.00} would show up in my account in a day or XXXX so I continued in the process in the meantime. I was told to send {$850.00} to XXXX XXXX, XXXX, over XXXX to pay for a XXXX. This would leave {$100.00} ( $ XXXX $ XXXX {$100.00} ) as a sign on bonus for me to keep. I had enough funds to cover this before the check was deposited so I went through with the payment, which was confirmed on the other end. I was then sent another email, in the same thread, with a second {$950.00} check to deposit into my account. I deposited the check and received the confirmation so I expected there would be another {$950.00} in my account in the next few days, tho it was pending approval. We were set to speak the next day.
XX/XX/2022 files : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, deposit confirmation - XXXX, email XXXX - checks for mobile deposit.pdf, email XXXX - funds availability.pdf I was asked if the second check 's funds of {$950.00} was available in my account. I was still expecting them to come thru in a few days, for a total of {$1900.00}. I was able to move some funds around so I had {$950.00} to use for the next step of the process. I was told to send this {$950.00} to XXXX XXXX, XXXX, over XXXX. I sent the money and it was confirmed to be sent. Next I would receive a third check to deposit into my account in order to purchase supplies for the job. The check came in on the same thread as the XXXX times before. I deposited the check and received a confirmation. I was told that we would speak later for further updates.
Later that day I received an email from Ally Bank saying that the funds from the deposit of this day were " subject to an extended hold because we have confidential information that indicates that the check may not be paid. If the check is not paid, we'll notify you by mail. '' I also opened XXXX of the same emails that were sent on XX/XX/2022 saying the same thing about the first two deposits of {$950.00}. I realized I was scammed. I called Ally Bank to report the scam and was told the Fraud department would work on my case.
XX/XX/2022 - XX/XX/2022 files : XXXX - XXXX I filed a report with XXXX. I called Ally to report this as a scam and dispute the XXXX outgoing payments of {$850.00} and {$950.00}.
XX/XX/2022 files : XXXX XXXX XXXX attempted to contact me multiple times, I asked for my money back over a phone call and the call ended.
XX/XX/2022 files : decision letters.pdf I was sent XXXX letters from Ally which had the results of the investigation. They concluded that, " no error occurred and the disputed transaction is considered authorized because : The disputed transaction was completed with a merchant with whom you have an established relationship.
As a result, the transaction will remain posted to your account. You have a right to request a copy of the information that we used in making our decision. '' XX/XX/2022 - XX/XX/2022 files : email XXXX - locked account.pdf Over these days I had calls with Ally bank due to being sent multiple emails saying that my account had been restricted. The final time I called to talk to Ally, I asked for XXXX things. The first was to get a copy of the information that was used in the decision making, the second was why I still couldn't access my account. I can not access my account at all at this point due to a decision being made if my account will be closed or not. I was told nothing about getting a copy of that information.
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| 09/11/2020 |
Yes |
- Checking or savings account
- Other banking product or service
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- Opening an account
- Unable to open an account
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Web |
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I tried to open an Ally XXXX account approximately a month ago due to an online cash promotion. My new Ally XXXX account was subsequently closed on XX/XX/XXXX, despite my fully complying with all of the company 's requests for identification documents. I went above and beyond what is required by FINRA for opening an account ( see below ).
It is my belief that the company is engaging in discriminatory practices by requiring me, a XXXX American, to provide more identification than is required by FINRA. For example, I have provided a copy of my social security card, my U.S. passport, my cable bill, my credit card statement, my XXXX IRA bank statement, etc. How many other new Ally XXXX customers have to submit those identification documents? Also, I submitted a cable bill to Ally XXXX on Friday, XX/XX/XXXX, but Ally XXXX sent me an email claiming that I submitted the " acceptable document '' on Wednesday, XX/XX/XXXX, and that because of the delay in sending the cable bill, my Ally XXXX account was closed! I have documented proof of my emailing my XXXX cable bill on Friday, XX/XX/XXXX to Ms. XXXX XXXX, a " specialist '' in " Executive Customer Relations '' of Ally XXXX at XXXX.
Information from FINRA 's website : -- " What to Expect When You Open a Brokerage Account If you're reading this, you may be planning to open a brokerage account. You may wish to invest for your retirement or a child 's education, or simply to try to grow some cash you have set aside. This publication explains what to expect if you do decide to open a brokerage account, including what information you will be asked to provide, what decisions you will be asked to make, what questions you should ask your registered financial professional and what your rights are as a customer of a broker-dealer firm.
Information You'll Be Asked to Provide When you decide to open an account, there will be paperwork to complete. This will include a new account application, which broker-dealer firms may also call a new account form, account opening form or something similar. This application form will require you to provide some information about yourself, as well as ask you to make certain decisions about your account. As explained in more detail below, a broker-dealer firms registered financial professionals use this information for several purposes, including learning about you and your financial needs and meeting certain regulatory obligations. While it may take a little time to fill out the application, it is important to answer the questions on the application accurately. So, be sure to read the application and the accompanying agreements and other documents the brokerage firm gives you carefullyand ask questions about anything you don't understand.
In a new account application, along with other information, you'll likely be asked to provide your : Social Security or other tax identification number : The rules of the Securities and Exchange Commission ( SEC ) and Financial Industry Regulatory Authority ( FINRA ) which regulate the securities industryrequire brokerage firms to ask for this information for several reasons. Like banks, credit unions and other financial institutions, brokerage firms must report to the Internal Revenue Service the income you earn on your investments. In addition, under the USA PATRIOT Act of 2001, financial institutions may use your Social Security number to verify your identity when opening brokerage accounts in order to help prevent money laundering and XXXX financing.
Driver 's license or passport information, or information from other government-issued identification : This, too, can help your registered financial professional comply with its obligations under the USA PATRIOT Act.
Employment status, financial informationsuch as your annual income and net worthand investment objectives : Collecting this information helps your registered financial professional to fulfill regulatory obligations. For example, if your registered financial professional is recommending investments to you, SEC and FINRA rules require that your registered financial professional collect this information. In addition, the information can help your registered financial professional determine suitable investment recommendations for you.
Note that the terms used to describe investment objectives often vary across broker-dealer firms and new account applications. You might hear terms such as " income, '' " growth, '' " conservative, '' " moderate, '' " aggressive '' and " speculative. '' If you don't understand the distinctions among the terms, ask your registered financial professional to explain or give examples. Make sure that you describe your financial goals, how much risk you are willing to take with your investments and when you expect to need access to the funds in your account as comprehensively as possible.
Trusted contact person : Effective XX/XX/XXXX, new account forms may include a section asking you to provide information for a trusted contact person. Your registered financial professional might ask for this information in a conversation or via email as well. You should expect to be asked to provide the name, address and telephone number ( s ) for a trusted contact person that your firm may contact about your account. While you are not required to provide this information to open an account, it may be a good idea to do so. By choosing to provide this information, you are authorizing the firm to contact such person and disclose information about your account in certain circumstances, including to address possible financial exploitation, and to confirm the specifics of your current contact information, health status, or the identity of any legal guardian, executor, trustee or holder of a power of attorney. You also will receive a written disclosure from the firm that lays out these details.
Be accurate when you are providing the information requested on these forms. Your registered financial professionals will use the information to understand your financial needs and to meet certain regulatory obligations. '' --
|
| 07/20/2021 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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In XXXX of XXXX I applied for a medical loan from HCS Corp ( www.hcsloans.com ) on behalf of my youngest brother. The current balance on the loan is {$1600.00}. The HCS website states that they have been acquired by Ally Lending.
We have been consistently paying the required minimum payment ( {$170.00} ), on time, for the last several years and have not had any missed payments for years. Recently, however, there was an issue with the auto-payment method. As a result, the last payment recorded was on XX/XX/XXXX.
However, we were not contacted by phone or email to alert us that there was any pending problem with the status of the account. When I went through the monthly statement yesterday, it showed a past due balance of {$680.00}. The statement also said that I have until XX/XX/XXXX to make a payment in that amount, plus the regular payment of {$170.00} ( for a total of {$850.00} ) to bring my account current.
I immediately proceeded to attempt logging into the website to make the payment necessary to bring it back to current status, per the current statement, but my login credentials are coming back as invalid. I attempted to reset the password but never received anything in my email for login assistance.
I then attempted to contact HCS Corp / Ally Lending directly by phone. I spoke to the customer service agent about getting help accessing their online payment portal. They said they were transferring me to another department that could help me.
Much to my surprise, I had instead been transferred to a collection agency who calls themselves XXXX XXXX. The representative at XXXX XXXX declared to me that they were a credit collection agency attempting to collect on a debt. I was shocked and asked for details. The gentleman named XXXX went over the loan details as follows : The original loan was for $ XXXX and was taken out XX/XX/XXXX.
The last payment received from us was XX/XX/XXXX.
The account was placed into collection status on XX/XX/XXXX XXXX 17 days ago ).
Even though I didnt agree with how my account was being handled, I wanted to remedy it so we could become current on the loan, and as such, ( having forgotten the fact that the letter states that I have two days to resolve it directly with the original lender - HCS/Ally ), I spoke with a representative named XXXX. We negotiated the option to settle the entire debt for {$1000.00}. XXXX said he would ask for approval on the settlement. At this point, the call terminated abruptly.
I called back ( HCS/Ally lending ) immediately, using the same number, having also realized that I still needed to address the potential effects on my credit report. I was once again transferred to the same credit collections agency, who again referred to themselves as XXXX XXXX ( though they said they are in the process of merging with an agency named XXXX XXXX, and spoke to a wonderful gentleman named XXXX who stated that he is a supervisor there.
After pleading my case, once again, to XXXX about the potential negative effects on my credit report ; he said that the account wasnt actually part of their portfolio, that their system shows the account is legally still owned by HCS Credit Services and that they are just a third party collections agency hired to help collect the debt on behalf of HCS, but they ( XXXX XXXX ), dont actually have the authority to report to the credit reporting agencies.
However, he stated that HCS does have such authority, so he suggested making the payment to his agency and then contacting HCS Credit Services directly about negotiating what would be reported to my credit report. I was stunned that he was asking for payment and telling me that I would STILL have to negotiate with the original party!
The conversation went as follows : Activate Financial REP : They are the current creditors on your account. Once the settlement has been satisfied ; we would send that information to them and they will be the ones that report it to the credit bureau or credit reporting agencies. One that payment has been made ; well be sending you a settled in full letter, 30-45 calendar days after the payment has been made. My recommendation would be for you to contact them once you have that receipt so they can come into an agreement with you. I dont know if they have the option to delete ME : Wait, so you guys dont have the ability to, you dont report to my credit score, only they do?
XXXX XXXX REP : Yes that is correct ME : Oh, so if I pay you guys off, it might not even show up as paid off on my credit score?
XXXX XXXX REP : Well, It is a possibility. The ones that actually would report would be them. For instance on our accounts they are only reported as charged off XXXX balance thats the only way we report them, it's not even reported as paid in full settlement so it would depend on HCS reporting.
So, basically, I am being told that my account is past due and has been sent to collections, but the information that I am receiving is conflicting with the statement I received and the companies involved are also in conflict in what they are saying to me.
Additionally, I have not received any correspondence about the collection, nor have I been given the information on how to dispute the debt.
I would like to resolve this immediately, prior to taking any possible legal action as my next step, and have been attempting to do so.
Side notes : the HCS website says HCS is becoming Ally Lending at the top, yet says XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX at the bottom.
Also, the representative at Ally Lending says they do not work with any agency called XXXX XXXX even though I was directly transferred to XXXX by the HCS representative twice.
Ally Lending says the only collection agencies they work with are either XXXX XXXX or XXXX XXXX.
XXXX XXXX says in their phone intro : Thank you for calling XXXX XXXX. Recently XXXX XXXX XXXX parent company acquired XXXX XXXX XXXX XXXX which is the same company name listed at the bottom of HCSs website as mentioned above.
Thank you for your prompt consideration.
|
| 07/05/2017 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Funds not handled or disbursed as instructed
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|
Web |
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I opened an 11-month CD amounting to {$100000.00}. However, 2 withdrawals ( {$100000.00} each transaction ) were taken from my source account at XXXX XXXX. I have already reached out to several customer agents almost daily since it happened. Several agents have stated that double funding happens many times previously.
Here are the chronological events : XX/XX/XXXX - opened 11-month CD and followed the online form ; XX/XX/XXXX - received call from XXXX fraud department about withdrawal and told them I opened an 11-month CD at Ally XX/XX/XXXX - funds were withdrawn from XXXX XXXX and deposited to Ally XX/XX/XXXX - email from Ally requiring verification of XXXX trial deposits made to XXXX XX/XX/XXXX - email from Ally indicating XXXX funds can be transferred XX/XX/XXXX - email from Ally at XXXX XXXX indicating that deposit was made XX/XX/XXXX - not sure what this was so logged in to Ally and only saw {$100000.00} on transaction history ; XX/XX/XXXX - logged into XXXX XXXX and saw another {$100000.00} withdrawn from account ; XX/XX/XXXX - called up XXXX around XXXX XXXX EST and spoke to Ally ; described the problem and she questioned if amount was indeed withdrawn from XXXX which I mentioned to her as she can not see any transfer on my account ; set up conference call with Ally ( agent is Ally ) and XXXX ( agent is XXXX ) ; discussed the issue and XXXX confirmed that funds were withdrawn ; she tried reaching the transfers department but no one was answering the call ; requested to escalate or raise the issue asap ; was told to call back the next day, asked her if she can follow up but was told she is not working the next day so I have to call. No resolution made.
XX/XX/XXXX - called Ally around XXXX XXXX and spoke to a male agent ( can not hear name correctly but he is from XXXX center ) ; described the problem and mentioned about discussion with Ally the previous night ; told me that he can not see any transfers so told him on my Ally dashboard, on snapshot, I click on CD account and it shows the Transaction history ( see attached ) ; on the Transfers menu, go to Activity, click on the description and you will see the money withdrawn on XX/XX/XXXX ( see attached ) ; agent kept saying that he can not see the transfer number even though I told him about the Ally dashboard ; agent even insisted I did something wrong when I opened the account as he had seen this happened numerous times. If this has happened repeatedly, then something needs to be investigated as this was not the desired action! Was told that it takes 3 days to receive the transfer and money will be sent back to XXXX XXXX and will take another 3 days to receive it. That is minimum of 6 days money movement without earning interest on either bank account. I opened a Cd with Ally because I wanted to earn more money, not to lose money! Requested to talk to transfer department as this was what Ally from the previous night tried to do. Was told it can not be done. Requested to raise or escalate this issue and was told nothing can be done. Was put on hold for several minutes and was told that nothing further can be done. Very upset about this conversation as he kept insisting that I made a mistake! Told him that after trial verification of amount, the deposit was triggered. No resolution made. Asked me to stay for a survey but after the call ended, line was disconnected and no survey to do as he knew it will be negative outcome!
XXXX XXXX - online chat with XXXX. Explained the problem and was told that she can not see the transfer. Told her the same dashboard will show the transaction history and in process transaction mentioned above. Was told that money will be returned after receiving and will take about 3 days to be received. Was told nothing can be done. Requested to raise or escalate the issue. No resolution made.
XX/XX/XXXX - I spoke to another customer agent, XXXX, and told him that since the double funding has occurred, to DEPOSIT the incoming funds to a new CD which he opened today. I was told that he did put a note in the system regarding this.
XX/XX/XXXX Received email from customer care, XXXX, and referenced the email I sent on XX/XX/XXXX. No reference made to the other emails sent following that. The email stated to call Ally with the reference number stated on the reply email.
XX/XX/XXXX I saw that the in-process funds transfer for the XXXX withdrawal has the status change to process completed. However, I do not see the funds go to the new opened CD. I called Ally and spoke to a customer agent, XXXX, and had no update ( the agent spent considerable time looking at my email correspondences ) regarding the cited reference number mentioned on the Ally reply email dated XX/XX/XXXX from XXXX. To make the matter worse, the Ally customer agent hanged up the phone in the middle of the conversation!
XX/XX/XXXX Called up Ally and spoke to another customer agent, XXXX ( from North Carolina ), and put me on hole for several minutes. When she came back, she told me that I transferred 2 funds which I corrected her by stating that I never initiated the 2 transfers but that Ally made the double withdrawal from my account as I mentioned to her at the beginning of the phone call. She then said that the funds were received today which I corrected her again and said the transfer status for the funds were completed yesterday, not today. The agent then said that the funds was rejected and generated an error since the CD was already funded. She then said that the funds will be sent back to XXXX XXXX later today and will take another 3 or more days to receive.
Based on all the correspondences above, I still do not have the funds and have lost interest from XX/XX/XXXX XX/XX/XXXX ( according to what the last agent said when I can possibly receive the funds ). If I had done the same type of error, I would have incurred a series of penalties. At this point, how will I recover all the lost interest on this money as Ally made an error withdrawing the funds twice.
|
| 10/13/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Dear Sir or Madam, 1. ALLY FINCL Account Number:XXXX. Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as well as 60 days late in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
I immediately disputed this information with ALLY FINCL and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
|
| 09/28/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Dear Sir or Madam, 1. ALLY FINCL Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as well as 60 days late in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
I immediately disputed this information with ALLY FINCL and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 11/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Dear Sir or Madam, 1. ALLY FINCL Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
I immediately disputed this information with ALLY FINCL and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 10/27/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Dear Sir or Madam, 1. ALLY FINCL Account Number:XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as well as 60 days late in XX/XX/XXXX and XX/XX/XXXX.
I immediately disputed this information with ALLY FINCL and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 11/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Dear Sir or Madam, 1. ALLY FINCL Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as wells 60 days late on XX/XX/XXXX and XX/XX/XXXX.
I immediately disputed this information with ALLY FINCL and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 10/04/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Dear Sir or Madam, 1. ALLY FINCL Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as well as 60 days late in XX/XX/XXXX.
I immediately disputed this information with ALLY FINCL and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 11/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
1. XXXX XXXX Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me XXXX days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, as well as XXXX days late in XX/XX/XXXX, XX/XX/XXXX.
I immediately disputed this information with XXXX XXXXL and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( XXXX ) and ( XXXX ) sections ( XXXX, XXXX. XXXX, and XXXX. ) as stated below : XXXX. Correction of billing errors ( b ) Billing error ( XXXX ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. ( XXXX ) Failure to transmit the statement required under section XXXX ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( XXXX ) Any other error described in regulations of the Bureau. XXXX. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section XXXX ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section XXXX ( a ) ( XXXX ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section XXXX of this title and has allowed the obligor the same number of days ( not less than XXXX ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section XXXX ( a ) ( XXXX ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. XXXX. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the XXXX XXXX and XXXX The following accounts were listed on your report and I have demanded from them a full accounting and XXXX years worth of records to see if their accounts were in violation of the FAIR XXXX XXXX XXXX ( XXXX ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the XXXX, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( XXXX XXXX ( a ) ( XXXX ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( XXXX ( b ) ( XXXX ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( XXXX ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the XXXX XXXX XXXX XXXX I therefore am submitting my written request to you to conduct an investigation. Per the XXXX, you have XXXX days to conduct this investigation and respond to my request. If you do not respond within this time period, per the XXXX, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XXXX/XXXX/XXXX BCC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 01/31/2023 |
Yes |
- Checking or savings account
- Other banking product or service
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- Closing an account
- Can't close your account
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Web |
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As per standard, secure business practices and as posted on Ally 's website, I sent a signed, written account closure request via USPS to Ally on XXXX XX/XX/XXXX in response to a notice received from them via email that same day stating that a phone number would be required for security verification purposes to access my accounts going forward ; email would no longer be offered as an option for account authentication. I do not consent to the use of my phone number for security verification purposes or to my calls being recorded or voiceprint captured, therefore I immediately requested the closure of my two Ally accounts without complaint.
This request was received by Ally on XXXX XX/XX/XXXX per USPS tracking after being re-routed to a different zip code. This prompted me to send via USPS a second signed, written closure request to the customer correspondence address as given on Ally 's website. Ally did not process my first request or acknowledge it until XXXX XX/XX/XXXX and offered only contradictory information and no instructions/specific requirements regarding the process for closing the accounts at that time. When I challenged the information I was given and asked for explanations, I was ignored and forced to submit a third account closure request via email to Ally on XXXX XX/XX/XXXX. This third request was not acknowledged until XXXX XX/XX/XXXX. I appreciate part of the delay was due to the holidays which is XXXX reason why I didn't delay in submitting the third request, but it was a *third* request at this point. ( The second signed, written closure request was received by Ally on XXXX XX/XX/XXXX per USPS tracking. ) I received helpful, thorough information at that time from an Ally representative and was pleased to note I had already begun exercising the necessary steps to get the accounts in compliance for closure. On XXXX XX/XX/XXXX, my accounts were in compliance for closure ( zeroed-out and fees paid ) and I notified the Ally representative of this and reiterated the need for the accounts to be closed immediately and written confirmation of closure to be remitted. My accounts, however, were not closed and I received no word from Ally until XXXX XX/XX/XXXX at which time the representative informed me that between the time I notified Ally of my accounts being in compliance and the time at which they chose to acknowledge that, interest had accrued and must be withdrawn before the accounts could be closed. By this time, the phone number requirement had been put in place so I could no longer access my Ally accounts to make the withdrawal. I was told the amounts could be written off but that write-off requests could only be handled verbally by phone. I explained, once again, phone was not an option and asked for the documentation detailing this requirement. This information has not been received as of the time of this writing.
At no time has Ally offered to simply mail a check for the credit balance ( s ) as is customary with most bank account closures in my experience. I also noted that it was due to Ally 's delay that interest had been able to accrue on accounts that had otherwise been compliant for closure. ( Ally 's case generator states representatives will respond within 1-2 business days. I received no response or acknowledgement of compliance from Ally for 5 business days including XXXX XXXX. ) After numerous requests for documentation and explanations regarding their insistence this was for " security purposes '', no one has offered an explanation for how it is more secure or in the client 's best interest for Ally to ignore signed, written requests for account closure, nor has Ally acknowledged its delays in reponding to these requests, nor has it taken accountability for the contradictory information relayed by its agents, sometimes unsigned.
I have offered to mail to them a notarized verification of identity to the specific address of someone who would receive it and process my account ( XXXX ) closure. Given the delays I've already experienced and the fact that my initial closure request was re-routed, I would hope that Ally might understand and even appreciate why I would only mail such a document directly to a specific, authorized individual at Ally.
To date, my accounts remain open while I am shut-out of accessing them. This certainly does not speak to my security. I feel Ally has engaged in stalling tactics in order to XXXX me into capturing my phone number via Caller ID and/or my voiceprint which I have stated repeatedly I do not consent to. I acted in good faith in requesting my accounts be closed, in writing, via certified mail, the very day that I received notice on XX/XX/XXXX of the upcoming phone requirement from Ally. In return, Ally refuses to let me protect my own personal information, to act in my best interest in respecting my need to conduct business with an online-only entity in writing, to acknowledge my concerns, to put me in contact with someone at Ally with whom I can work with directly as I've requested multiple times, and continues to hold my PII hostage and deny me access to my accounts or close them as requested over a month ago. This puts me at risk for identity theft and worse since my credit union information is tied to my Ally accounts.
Had Ally closed my accounts when and as requested without apparent misinformation or delay, there would've been no issues and we'd have concluded our business on good terms. Ally definitely has not earned enough of my trust to receive any more information from me than that which it already possesses, and it is clear they are simply stalling in order to force me to cave out of frustration. If they can open and maintain my accounts, including the numerous monetary transactions through my credit union over the life of the accounts, with the information they already have, they can close the accounts with that same information, as well.
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| 05/18/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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Without proper and immediate notification from XXXX XXXX XXXX that the legally binding written and signed purchase and financial contract with the listed vehicle identification number, and the vehicle we agreed to purchase, finance, and were in current possession of, was not the vehicle that was purchased and financed. On XX/XX/2018 we were notified via text message by the business manager at XXXX XXXX that there was additional paperwork to be signed that had been overlooked when we had purchased the vehicle on XX/XX/2018. When asked what was going on and why we needed for come down we were told it was a simple mistake in the computer stating the wrong vehicle, but that the paper contract was correct. We were told that the only problem was a simple ; one wrong number on the VIN in the computer, and all the financed and contracted information were correct on the original that was signed on XX/XX/2018. We were told there was no need for a new paper contract, and once we signed the tiny black signature pad everything was a done deal. When specifically asked why we were unable to see or read anything we were told that there was NO NEED, since we already did that with the paper contract that we went over and agreed to and signed originally. It was not until XX/XX/2018 that we were texted again and asked to come down as we needed to redo a paper contract for the vehicle. I was assured it was No Big Deal. We at this point were quite concerned as we were told that this was not needed and had already been verified with Ally Financial. I was upset at this time as we had attempted to get the plates on the vehicle, and were told that the vehicle we were driving was not owned by us according to the DMV, and could be considered stolen or illegal with assumption that the VIN was not the vehicle listed as to be in our possession. When I asked about what the NO NEED TO READ information that we signed on XX/XX/2018, and why we are having so many problems in regards to this purchase agreement we were again not told the entire truth and our concerns were disregarded as if we were overreacting. In the mean time I had attempted to obtain prequalification for a home that we wanted to place an offer on for purchase, and upon pulling our credit at the XXXX XXXX XXXX we were called, and notified that because we had purchased two vehicles within a couple of weeks of each other there is no way that we would be able to pre-qualify for a loan now. I then called Ally Financial and was notified that we had two separate loan accounts one for a XXXX XXXX 2018 and a XXXX XXXX 2018. I was devastated as we had been working on credit building and proving financial worth for 2 years, and when I called the business manager again I was treated as though I was overreacting and he had no idea how that could even be possible. The home ended up selling and we missed our chance, and also was denied on a current small business loan that I had been working on for over a month ; putting together a small business plan for my medical practice. I had to ask my parents to do the financing as I could not wait for this mess to be figured out. I attempted to make the truck payment as listed as due on XX/XX/2018, and was unable to do so as the listed account was for a XXXX XXXX that had a payment due, and the listed XXXX XXXX would not allow payment. It was not until XX/XX/2018 that the paper contract was signed at XXXX XXXX with notification that first payment would not be for the standard 45 days, and we were also told that again nothing changed so our written contract was correct, and the two paper pages were the originals to be sent to Ally. It was then on XX/XX/2018 that we noticed that we had the incorrect second key FOB and owners manual which was even more upsetting and suspicious. It was then on XX/XX/2018 that I attempted to make a payment believing that would be my first payment as told, and I was notified that I am 30 days past due. I was devastated as the payments are {$1600.00}, and there is no possible way that I could just come up with the extra. I did make the payment and wanted an investigation with Ally, and they just kept telling me my problem rests with XXXX XXXX, and when I would call XXXX XXXX I was told my problem was with Ally. I attempted in the excess of 10 times to speak with XXXX XXXX, leaving messages with no response, and Ally refused to correct the information acting as if I was lying about the situation. When XXXX came I made a payment in the hopes that it would be corrected only to find out that I was reported as 30 days late again, and was pretty much continuously told to make the account current which was financially impossible to just come up with that extra money like it was no big deal. It has been a continued arguments and fights since then including being unable to even continue to have accounts with other medical suppliers, personal and business accounts etc because of our credit report and score. This vehicle purchase, that we thought would help our financial worthiness, has instead destroyed XXXX and me financially.
This has resulted in an extremely upsetting, financially ruining, and very costly experience with the XXXX XXXX XXXX dealership regarding the incorrect VIN, initiation of a faulty binding legal contract regarding the purchase of the vehicle and financial acceptance and responsibility, and your financial team changing without agreement and prior knowledge the original purchase and financial acceptance agreement with XXXX XXXX and Ally Financial, therefore leading to loan default and incorrect reporting to credit agencies resulting in current financial ruin and personal financial self-worth. We are requesting compensation from XXXX XXXX XXXX for our losses including acquired financial loss, acquired debt, and verification of inaccurate information as reported to the furnisher ( Ally Financial ) and the CRAs.
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| 11/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Dear Sir or Madam, 1. ALLY FINCL Account Number:XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX and XX/XX/XXXX.
I immediately disputed this information with ALLY FINCL and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 163XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 12/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Dear Sir or Madam, 1. ALLY FINCL Account Number:XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX and XX/XX/XXXX.
I immediately disputed this information with ALLY FINCL and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
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| 02/20/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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My account with Ally Financial/Ally Bank is for an auto loan. The vehicle was stolen and deemed a total loss and Ally was notified of this on XX/XX/XXXX. My insurance company sent payment to Ally Bank on XX/XX/XXXX in the amount of {$38000.00} representing full satisfaction of the vehicle loan account/agreement. I have documentation from my insurance company showing that Ally Bank in fact deposited the check in the amount of {$38000.00} for full satisfaction of my auto loan on XX/XX/XXXX. During a telephone conversation on XX/XX/XXXX, the Ally Financial representative told me and my insurance company representative that was also on the line that they did in fact receive the check from my insurance company in the amount of {$38000.00} and confirmed that this amount represents full satisfaction of my vehicle loan/agreement. Ally Financial further confirmed that the check was in fact cashed by Ally Bank on XX/XX/XXXX. However, both myself and my insurance company representative were told by an Ally Financial employee that the {$38000.00} check was not applied to my account, due to an error by Ally Bank/Financial. It appears that Ally Financial has in fact misappropriated {$38000.00}.
As of the date of this complaint ( XX/XX/XXXX ), my entire loan amount has been paid and satisfied in full for twenty-seven ( 27 ) days. Yet, I still have not received confirmation in writing from Ally Financial confirming that my loan has been paid in full, and in fact, instead I received a letter from Ally stating that Ally Financial has/intends to report negative information about my account to the three major credit bureaus. All my previous payments on my loan/agreement were made on time and in fact, the entire balance of the loan was paid to Ally Financial well before my next payment due date. I have never been late on a payment for my Ally Financial auto loan account.
I have documented all of my attempts to contact Ally Financial and all conversations I have been able to have with them. Many times, when I have called the phone number on their website ( XXXX ), I get a recording stating that this is not a working number. My insurance agent got the same recording when she tried calling as well. On XX/XX/XXXX, an Ally representative told me that my insurance company issued a stop payment on the {$38000.00} check which at this point in time Ally had actual already cashed approximately three weeks earlier. There is no evidence of a stop payment being issued by my insurance company. Other times, when I am able to get someone to answer the phone, I am told that I need to speak with their " total loss department '' and have been given two different phone numbers for this department and have never been able to reach anyone at either of these numbers. I was simply given the option to leave a voicemail, which me and my insurance agent both did. However, neither of us ever received a response or phone call back. I was told in XX/XX/XXXX that their " computer system was down. '' I was again told this 3 months later in XX/XX/XXXX and was also told that since their system was down, they could not access my account information so therefore could not help me and simply told me that I still owe them {$37000.00}. The Ally representative could not tell me how she came up with this number. When calling Ally 's main phone number ( XXXX ), the times I have been able to get a representative on the phone, I have been told I need to be transferred to another department and then they hang up on me. I have been hung up on in this manner at least 15 times as of XX/XX/XXXX.
On XX/XX/XXXX, I sent Ally Financial a letter via their online account secure messaging system and via U.S. mail explaining these issues described above and also notifying them that I will be filing a complaint with the CFPB. Attached to my letter was a letter from my insurance company dated XX/XX/XXXX stating that they sent payment to Ally on XX/XX/XXXX in the amount of {$38000.00} representing full satisfaction of this vehicle loan and to date, they still have not received the notarized lien release and title. I also attached a copy of the check from XXXX XXXX made payable to Ally Bank in the amount of {$38000.00} dated XX/XX/XXXX and proof of Ally Bank cashing this check on XX/XX/XXXX. On XX/XX/XXXX, after being hung up on 3 different times, I was told by two separate Ally Financial representatives that they have read my secure message and attachments but that they can not help me at this time. I asked to speak with a supervisor and when speaking with him he said he needs to speak with his manager. After being placed on hold for approximately 30 more minutes, I was told that all managers are currently in a meeting together and I will need to call back. Given that many times no one answers their phone at all, I told him I will just remain on hold until the managers are all out of their meeting. I have currently been on hold for an hour and a half and remain on hold at this time.
Not only has Ally Financial been reporting false information to all three major credit bureaus, which in turn, is negatively affecting my credit score and the interest rate I was able to obtain on the car loan I used to purchase a replacement vehicle, I am not able to get my refund ( approximately {$5000.00} ) for the warranties I purchased for my stolen vehicle because the warranty companies are requiring that I provide proof from Ally Financial that the lien has been satisfied in full before they will issue my refund. Furthermore, without documented proof of the refund issued to me, I am unable to submit my restitution request to the District Attorney for the Second Judicial District of XXXX, Colorado in the State of Colorado 's criminal case that has been filed against the Defendant who stole my vehicle. The deadline to submit my restitution request to the Court was XX/XX/XXXX.
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| 11/17/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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Summary : I applied for a loan and locked in on an interest rate with Ally Bank on XX/XX/XXXX. When I talked to the representative walking me through the online process he told me they could get the loan done within the 30 day lock period. If there were any delays from Ally then I would get an extension at no cost. The seller was having a new roof installed so when Ally scheduled the Appraisal I asked them how they wanted to handle the appraisal if the roof wasnt going to be put on for 2 weeks. I was instructed that the appraisal was the last thing Ally required and to work with the Appraisal company directly to schedule around the roof.
For the next 20 days, I answered every online task in less than 5 hours to keep the process on track. On XX/XX/XXXX I receive an email from Ally telling me I do not have enough funds to close on the new property. If I do not produce the funds in 10 days they will cancel the application. I reviewed the closing disclosure and found 4 mistakes by Ally. I responded immediately and scheduled a follow up call with the underwriting specialist. That day he fixed one of Allys mistakes and told me he was working on the others. On XXXX the appraisal was completed and sent to Ally. By XXXX, I had not heard anything from Ally as to the scheduled closing for XXXX. On the evening of XXXX, I scheduled a call with the Ally agent to determine where we were in the process and what they needed to close before the lock expired on XXXX. The agent called and we were immediately disconnected. She later texted me telling me she was out of the office for the past 5 days and now her company phone line is down. She emailed me saying the same thing I was told on XX/XX/XXXX that I needed more funds to close. I explained to her that the previous agent was working to fix the issues. She understood the problem and said we needed to talk once her phone line was back. The next day on XXXX her phone line was still down. I called the company number and was ultimately patched through to her manager. He reviewed the file and agreed there were multiple mistakes on the closing disclosure. He said he needed to get the XX/XX/XXXXlicensed agent assigned to the loan to fix the issue. He told me not to worry about the rate extension and he would get back with me by the end of the day with answers. As of XX/XX/XXXX I have not heard back from the manager or the XX/XX/XXXX agent he had assigned to fix the issues. On XXXX, I finally connected with the Ally agent assigned to my loan. She told me that I needed to pay off a car loan to meet a certain XXXX. I questioned the XXXX but she was not able to tell me how it was calculated. To this day I still think it is wrong but agreed to pay the loan off. I went to the bank that afternoon on XXXX and paid off the loan. I inquired if the XX/XX/XXXX agent had looked at or fixed the closing disclosure. She replied to me in an email that she was not able to contact him and suggested I try to get in touch with him myself. On XX/XX/XXXX, I reach out to theXX/XX/XXXX agent and copy my loan agent pleading for help. As of XX/XX/XXXX, I still have not heard from him. Later that afternoon on XX/XX/XXXX my agent emails me and says the rate was extended but will cost me {$800.00}. She referenced the appraisal being delayed was the reason they would not cover the extension even though it was the same agent that instructed me to wait. On XX/XX/XXXX Ally requested I upload my Insurance Binding Contract to be paid at closing. I uploaded the document and within 2 hours the document was rejected. They stated I needed to upload a receipt of payment even though the task clearly stated the insurance would be paid at closing. On Monday, XX/XX/XXXX I paid the home insurance policy as directed. I uploaded the receipt and the document was rejected again. Now they are requesting the original document I uploaded on Friday XX/XX/XXXX. At this point the closing disclosure will need to be updated again to show the insurance was already paid with an effective date of XX/XX/XXXX as requested by Ally. I scheduled a call with my agent on XX/XX/XXXX. She informed me that the rate extension was now being covered 100 % and theXX/XX/XXXX agent was trying to fix all the issues by XXXX that night. I then got an email from the agent that night saying to go ahead and sign the disclosure to keep the closing on track and they would work to get the disclosure fixed by the next day. I approved the disclosure on the evening of XX/XX/XXXX. On XX/XX/XXXX the agent hands me over to the closing specialist. She informs him that the closing disclosure is still being fixed but the rate extension is no longer being covered. This gets us to this complaint. It has taken Ally over 20 days to fix 4 mistakes that I called out. These are basic mortgage items that were overlooked and never addressed. I sent detailed explanations and power point slides to call out the mistakes. It wasnt until XX/XX/XXXX that they acknowledged all mistakes I called out were fixed and I now have enough funds to close. Issues called out : 1. they showed buyer paying all of the XXXX property tax $ XXXX when the seller would pay from XXXX thru Closing 2. When I applied I did not agree to escrow taxes or insurance because I was doing 20 % down.
3. They showed the buyer paying all of the Transfer Taxes when inXX/XX/XXXX, XXXX XXXX the seller pays the transfer taxes and it was not called out otherwise in the contract.
4. They did not include the Earnest money as a Buyer Credit 5. They showed I owed Home Insurance when it had already been paid I have emails and screen shots documenting all of these communications or lack thereof. I am now paying home insurance for a home I do not own and they continue to charge me each day while they fix their mistakes. This certainly does not seem ethical possibly illegal.
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| 07/03/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account status incorrect
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Web |
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This complaint is against Ally Financial Inc., for unlawful and deceptive patterns of wrongdoing followed by Ally regarding collection, enforcement, repossession and disposition of collateral, and collection of alleged deficiencies.
Ally Financial Inc. ( Ally ) repossessed my vehicle around XXXX, XXXX. My auto loan was paid on-time and paid as agreed at the time of repossession. I had the auto loan for a year and a half, and never had a late payment.
Due to circumstances beyond my control, I was unable to retrieve my vehicle from the police impound. I notified Ally by written correspondence that I would retrieve my car in approximately sixty ( 60 ) days and I will continue to pay on time and will pay any storage and impoundment fees.
Historical Record My last payment was on XX/XX/XXXX, via ACH. I was approved to defer XXXX payment. This resulted my next payment due date in XX/XX/XXXX.
1. I called Ally in XX/XX/XXXX, to make payment. The customer service representative informed no payment was due for XXXX.
2. I called Ally in XX/XX/XXXX, to make payment. The customer service representative informed no payment was due for XXXX.
3. I called Ally in XX/XX/XXXX, to make payment. The customer service representative informed no payment was due for XXXX. At this juncture, this seemed unusual. I escalated to a supervisor. The supervisor promised I would not have any late payments, repossessions or negative items because 1. I never had late payments and, 2. I called Ally each month to promptly make payment. For whatever reason, Ally was intentionally and deliberately refusing to accept payments.
I had on-time payment history. Refusing my payments was egregious and improper. I was not informed by Ally that my vehicle was sold until late XXXX, XXXX. I indicated I would continue to make payments on-time as agreed, even though Ally sold my car. My excellent credit rating is important for me to keep. As of XX/XX/XXXX, I didnt have any negative items reporting on my credit reports. One negative item could lower my credit scores by XXXX points and negatively affect my credit for seven ( 7 ) years.
Around XX/XX/XXXX, I learned Ally reported repossession and charged-off on my credit reports, lowering my credit scores over XXXX points and negatively affecting my credit scores for seven ( 7 ) years.
Ally also purported the property in my vehicle was destroyed and was not returned to me. Ally never informed how I could have retrieve my personal property. I had cash, ounces of gold bullion coins in my vehicle and documents with my personally identifiable information ( Drivers license, social security card and certified copy of birth certificate ) that was never returned to me. Ally is negligent and put me at-risk of identity theft.
On or around XX/XX/XXXX, I sent written correspondence to Ally via certified mail/return receipt with the US Postal Service. This provides evidence of delivery in the form of a postcard signed by the recipient and an e-mail with an electronic copy of the recipients signature. Below is a copy of my letter : Ally Financial XXXX. XXXX XXXXXXXX XXXX, MN XXXX RE : XXXX XXXX XXXX, License # XXXX Account no. : XXXX To Whom It May Concern, On or about XX/XX/XXXX, the above-referenced vehicle was repossessed from the police impound yard : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Due to circumstances beyond my control, I did not receive any of the legally required notices regarding the repossession of my vehicle or how I might have reinstated my loan or redeemed my vehicle. Nor did I receive any notice regarding the potential or subsequent sale of my vehicle.
By this letter, I am requesting that you promptly within seven ( 7 ) days send me copies of any and all notices that are required by law to be sent to me regarding this matter. I would also like you to send me a copy of my retail installment sales contract ( loan agreement ), as my copy of this document was in the vehicle when it was repossessed.
Very truly yours, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ...
Ally failed to comply with my written request. Ally did not send a copy of my retail installment sales contract ( loan agreement ) or presale notices under the Uniform Commercial Code ( UCC ). Rather, Ally sent a summary of my loan balance.
Moreover, California Attorney General XXXX XXXX, as part of a coalition of22 attorneys general, sentletters to the nations three largest credit reporting agencies ( CRA ) XXXX XXXX and XXXX remindingthe companies of their continued obligation during the COVID-19 pandemic to comply with the Fair Credit Reporting Act ( FCRA ). The COVID-19 pandemic has created an economic disruption.
In relevant part : In XX/XX/XXXX, Congress enacted the Coronavirus Aid, Relief, and Economic Security Act ( the CARES Act ), which extends relief to struggling consumers and amends the FCRA to enable consumers to obtain CARES Act relief without incurring lasting harm to their credit scores. To prevent such harm, the CARES Act requires furnishers to report a credit obligation as current if the obligation was current prior to the grant of a CARES Act accommodation. 2This CARES Act provision is critically important both to individual consumers and to the overall recovery of the economy because it ensures that consumers obtain essential relief without jeopardizing their future ability to secure employment, rent or buy a home, obtain a credit card, or purchase a car.
For Ally to do this during a deadly pandemic is disheartening and unthinkable. Litigation is always a measure of last resort. We do not undertake it lightly. It is unfortunate that events have compelled us to consider litigation at all. I am considering opting out of the class action lawsuit against Ally and suing individually.
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| 11/10/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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On XX/XX/XXXX I went to look at a XXXX XXXX XXXX used SUV on the lot at XXXX XXXX XXXX Georgia. When I got there I informed the 1st person that talked to me his name was XXXX that I had emailed with XXXX XXXX and XXXX XXXX and that I had my own financing of up to {$14000.00} he joking said {$15000.00}. He got XXXX out to talk to me and I informed him of the financing and he opened the vehicle for us to look at. XXXX comes out and I tell him about my financing and then XXXX comes back and says you do not want this vehicle it takes synthetic oil and premium gas. Ok I was getting ready to leave as I only came in to test drive the XXXX XXXX XXXX. XXXX says come in and let me see if XXXX has better interest rates than XXXX. He said it would be maybe a half point on the credit score as he was doing soft inquiry. I also explained to him that I was still shopping and had an appointment to see a vehicle in XXXX XXXX at a dealer I also explained this to XXXX when I saw him, I was only doing preliminary shopping for a used SUV. I also told him if he had a used manual transmission on the lot he needed to get rid of to let me know. He gets my information and disappears for about 30 minutes. When he comes back I specifically asked him are you checking with BANKS on my behalf and he said NO and left again and went back into another office. Another 30 minutes passes and I was getting ready to leave as I did not think it took that long to find out what XXXX interest rates were. He then takes me over to XXXX XXXX desk and XXXX writes on a scrap piece of paper that he can get me a XXXX new XXXX XXXX manual transmission for {$480.00}. a month. I started laughing and was getting up to leave and he said what can I do to get you to buy this vehicle today. I laughed even more I thought this was all rather funny as I had told him now on several occasions that I had my own financing even showing both XXXX and XXXX the email from XXXX and that I was still shopping and had plans to see more used SUV 's in the next several days. He said we can get you the new XXXX XXXX manual transmission for {$11000.00}. and it will be {$480.00} a month. I said no thanks and left. My XXXX year old son was with me and will attest to these facts also. The next day XXXX calls up and says good new we can get you in the XXXX for {$390.00} a month I was like what ... I told him that I had already told him on several occasions I was not ready to buy nor was I shopping for a new vehicle. Then I get notification from my bank that several hard inquiries had been run on my credit. I contacted the 3 lending institutions that I saw and inquired if any were XXXX financing none were. I contacted the manager of the dealership to give him a chance to correct this wrong. He said he was not there that day and he would check for me. He called back and said that XXXX had not informed the assistant manager that was there that day that I had my own financing nor did he tell him that I was shopping for a used vehicle. That XXXX had informed him that I desperately needed a vehicle. I did not give any one permission to try to get me financing nor did anyone ever ascertain from me the terms I would want to obtain a loan or even how much down payment I had as this information was already in my loan application with my bank XXXX and I had been approved for a loan through them for up to {$14000.00}. on a used vehicle of my choice. The manager said he would not contest when I sent my letters to the credit bureau that they ran unauthorized loan applications without permission using my information. But I find this practice very unethical and they lied to me and I am sure running someone's credit information without permission is wrong and should be prosecuted. I have further received a letter from XXXX that says they declined to give me a loan. I called them and told them I did not apply for a loan with them. They were not interested in finding out that XXXX of XXXX Georgia ran this without my permission. It would seem that every bank that XXXX XXXX XXXX Georgia pulled into this scheme of illegal behavior would also be culpable. I am not sure of the number of times they applied for credit for me without my permission or knowing how much I had to put down or any terms that I would want to complete a loan. The manager said XXXX never checked XXXX financing and that would only take a phone call and he did not need my information to ascertain the interest rates from XXXX. This seems to have been deceptive from the beginning nor has anyone informed me the interest rate or any other relevant information that I would need to make a determination. This was deceit from the beginning and these actions have been detrimental to me. These actions have harmed me as now the interest rate of my approved loan will be adversely affected by the deceitful actions of XXXX of XXXX Georgia. I will be happy to provide any and all information that you will need along with the contact information for my witness. I have now received a letter from XXXX XXXX, XXXX, XXXX XXXX, and Ally Bank none of these places have I ever applied for a vehicle loan nor did anyone have permission to apply on my behalf. Further, the loan I had from XXXX was a joint loan with my husband and I informed XXXX of this and at no time would I apply for a vehicle loan without my husbands income and his name on everything. The attached letters are coming to me only and this further proves that at no time did anyone at XXXX of XXXX have permission to run my credit as I would not apply for a vehicle loan without my husband being included. I would not do business with any of the banks that have sent me a letter as I have been with XXXX for 37 years and had an approved joint loan from then when I went car shopping. I would never buy a new car either.
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| 10/11/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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Notice, it is a Fact, that, I, agent for principal XXXX XXXX XXXX and XXXX, I am a federally protected consumer, holder in due course, attorney, for any and all derivatives thereof for the surname/given name and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX, and autograph as the agent and administrator in fact. Notice, it is a Fact, that, I, agent for principal XXXX XXXX XXXX and XXXX, has received a statement including the subject matter of an attempt to collect an alleged debt for the Account number ending in - XXXX. Notice, it is a fact that, I, agent for principal XXXX XXXX XXXX and affiant, have reason to believe and do so believe, I the consumer, owe no such alleged debt ( s ). Notice, it is a Fact, that, I, agent for principal XXXX XXXX XXXX and XXXX, am disputing this alleged debt, invoking my specified remedy as original creditor pursuant to 15 U.S.Code 1692c ( c ) ( 2 ) and pursuant to 15 U.S.Code 1692c ( c ) I demand you to cease any communications and collection activity of this alleged debt until you can provide me with the requested information in this affidavit herein. Notice, it is a Fact, that, I, agent for principal XXXX XXXX XXXX and XXXX is aware, collection activity includes furnishing any information on this subject matter to any consumer reports. There should be no publication or advertising of any kind until a dispute is resolved pursuant to 15 U.S. Code 1666a ( a ). Notice, it is a Fact, that, I, agent for principal XXXX XXXX XXXX and XXXX, demand that you send me the name and address of the original creditor via mail pursuant to 15 U.S.Code 1692g ( b ) in order to verify proof of the funding of this account ending with account number - XXXX. Without this information there can be no verification on who funded the original loan. Notice, it is a fact, that, I, agent for principal XXXX XXXX XXXX and XXXX, has reason to believe and do so believes, am a victim aggravated identity theft under Title 18 U.S.Code 1028A on four separate occasions as ALLY FINANCIAL has knowingly used without lawful authority, a means of my identification in order to compromise my financial reputation. Notice, it is a Fact, that, I, agent for principal XXXX XXXX XXXX and XXXX, due to my compromised bank account, I demand a money audit trail in accordance with 12 U.S. Code 5562 ( c ) ( 10 ) in order to verify what has occurred with this account ending with account number - XXXX for ALLY FINANCIAL to come back and say I owe any such alleged debt. Notice, it is a fact, that, I, agent for principal XXXX XXXX XXXX, demand a statement under penalty of perjury stating that the bank in fact loaned the associated debt money from their own assets in order to verify there is in fact a proof of claim of this debt. Without this I can not verify any valid claims of alleged debts in the name of my principal obligor.Notice, it is a fact, that, I, agent for principal XXXX XXXX XXXX, demand a certified copy of the original certificate of indebtedness in order to verify the ALLY FINANCIAL is in fact the current holder in due course there is in fact a proof of claim of this debt. Without this I can not verify, and there can not be any valid claims of alleged debts in the name of my principal obligor.Notice, it is a fact, that, I, agent for principal XXXX XXXX XXXX, demand a full file disclosure in accordance with 15 USC 1681g and all other documentary evidence in accordance with 15 U.S.C. 44 and all subsequent documents including any and all accounts made using my intellectual property, my signature, associated with this account, so be it. Without this I can not verify, and there can not be any valid claims of alleged debts in the name of my principal obligor.
Notice, it is a fact, that, I, agent for principal XXXX XXXX XXXX and XXXX, has reason to believe and do so believes, without all requested documents in the affidavit herein there can be no proof of claim by ALLY FINANCIAL and ALLY FINANCIAL would be liable for creating a false and deceptive form under 15 U.S.Code 1692j. Notice, it is a Fact, that, I, agent for principal XXXX XXXX XXXX and XXXX, demand an insurance audit trail in accordance with 12 U.S.Code 1831n ( 2 ) ( A ) to verify proof of the insurance or proof of any claims associated with this account ending with account number XXXX. Without this I can not verify, and there can not be any valid claims of alleged insurance of any loan on the alleged debts owed in the name of my principal obligor. Notice, it is a fact, that, I, agent for principal XXXX XXXX XXXX am aware that ALLY FINANCIAL is in violation of 15 U.S.Code 1611 ( 3 ). Whoever willfully and knowingly gives false or inaccurate information or fails to comply with any requirement imposed under this subchapter shall be fined {$5000.00} or imprisoned up to a year. Notice, it is a fact, that, I, agent for principal XXXX XXXX XXXX am aware that ALLY FINANCIAL is a debt collector here is the legal definition. Pursuant to 15 U.S.Code 1692 ( a ) ( 6 ), a debt collector is any person who uses instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notice, it is a fact, without an affidavit response with rebuttal, point for point, then I am conditionally accepting your non-reasonable response, as frivolous, and I will file fault judgement in the favor of interest of I the consumer, holder in due course, attorney, and administrator in fact. Notice, it is a fact and I, agent for principal XXXX XXXX XXXX is aware, an unrebutted affidavit stands a truth in commerce.
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| 07/26/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
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Web |
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A vehicle accident occurred on XX/XX/2023. My insurance company, XXXX XXXX XXXX, was contacted, a claim was made, and on Friday, XX/XX/XXXX, I was informed that my vehicle would have to go to an auto garage before the claim could be processed. Fast forward, on XX/XX/XXXX or XXXX, while checking my email, I was quite surprised as I happened upon an email from my insurance company in which there was a time sensitive settlement letter dated XX/XX/2023. I had not spoken to the insurance company in recent days and was not expecting this email. This important email could have easily been overlooked or gone into Spam. The letter stated my vehicle had been deemed a total loss and offered two ( 2 ) options, Option 1 : Title Release Settlement and Option 2 : Owner Retain Settlement. The settlement letter stated, " if the forms for the Title Release Settlement are not secured by XX/XX/2023, we will proceed with the Owner Retain Settlement offer. '' However, when I spoke to the claims adjuster on XX/XX/XXXX and told her I was looking at going with Option 1, she stated I would have to give her permission that day to pick up the vehicle as she would have to have it in her physical possession on XX/XX/XXXX. Although the settlement letter stated I had until XX/XX/2023 to make a decision, the claims adjuster said if the vehicle is not in their physical possession on XX/XX/XXXX, I would most likely have to retain the vehicle. I chose Option 1, Title Release Settlement of {$8300.00}. There was a lienholder, and after waiting for weeks to hear that the lienholder was paid, what I received instead was an email from XXXX XXXX that the amount from Option 2, {$3900.00}, was paid to the lienholder and that the vehicle was at XXXX, a storage facility, and would be considered abandoned unless picked up in 10 days. After inquiring with XXXX XXXX, we were told the lienholder did not reply in 10 days when they requested the letter of guarantee, so they sent them the amount from Option 2, {$3900.00}. However, when we contacted the lienholder, Ally Financial, they said they had in fact spoken with the insurance company who had provided them with a XXXX evaluation, but they informed XXXX XXXX that they do not accept XXXX evaluations. Instead, they asked XXXX XXXX XXXX to provide them with a vehicle evaluation from a list of companies they provided, but XXXX XXXX refused to do so. To resolve this matter, I offered to both the insurer and the lienholder to pay for the vehicle evaluation, but both refused the offer. We are caught in between two companies dispute having done absolutely nothing wrong but everything that we were supposed to do by the book.
XXXX XXXX says they are not willing to change their vehicle evaluation policy of using XXXX and has refused to provide the lienholder with a vehicle evaluation from one of the companies whose evaluations they accept - XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX, etc. Consequently, Ally Financial refused to provide the Letter of Guarantee to the insurer. We have spent countless hours on the phone as well as emailing trying to resolve this matter. Its almost impossible to speak to someone at XXXX XXXX XXXX XXXX in XXXX XXXX, TX headquarters. We have called Ally Financial for more than 2 months and spoken with more than 8 individuals. and they have all said the same thing, We do not accept XXXX evaluations. They undervalue vehicles. Again, we heard the exact words from each person we spoke to for 2 months. I requested to speak to a manager at Ally Financial as well as a copy of their WRITTEN policy that states an insurer must use one of the companies from Ally 's approved list of vehicle evaluations companies as well as written documentation stating they do not accept XXXX evaluations. I never received a call from a manager although I was told one would contact me in XXXX hours. After contacting Ally Financial several more times, including XX/XX/XXXX or XXXX and XX/XX/XXXX and being told once more, We do not accept XXXX evaluations. They undervalue vehicles, I again requested to speak with a manager and a written documentation of their evaluation policy but to no avail. After not hearing from the manager, I called Ally Financial again on XX/XX/XXXX, and was told that they have been discussing XXXX XXXX XXXX for the past few weeks and their XXXX evaluations and that they are looking at them on a case-by-case basis. And now, suddenly and inexplicably, they tell me that they will accept the XXXX evaluation. The representative said they will try to contact XXXX XXXX and send the Letter of Guarantee.
In a follow-up call on Monday, XX/XX/XXXX, Ally said they sent the Letter of Guarantee to XXXX XXXX XXXX XX/XX/XXXX and has tried to contact them, but no one is returning their calls. I continue to request a copy of Ally 's written vehicle evaluation policy. I want to know what LEGAL basis they had to withhold the Letter of Guarantee from the insurer. The policy governing the vehicle evaluation is written, legally binding, and is contained within the '' 4 corners of the document. '' My husband and I who paid our monthly insurance premiums and made monthly car payments, are innocent consumers who remain caught between two large companies - an insurer and a lienholder. For 4 months, we have been without a second vehicle, resulting in having to sometimes use XXXX to get back and forth to work as well as rent a vehicle, not to mention the undue hardship from countless hours of phone calls, emails, and the mental, emotional, and financial toll that has been placed on our family. We continue to make monthly payments to Ally Financial which, if they had provided the Letter of Guarantee to the insurance company when requested, would be paid off by now and we would be in a position to get another vehicle.
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| 12/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. ALLY FINANCIAL & BAL. {$9200.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1. Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of identity theft reports 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above-listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 02/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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Between XX/XX/XXXX and XX/XX/XXXX we were wrongfully misled by Ally Home resulting in a systemic failure by Ally Home to provide us with sufficient notice of a potential discrepancy resulting in a {$2700.00} loss to us ( the buyer ) in our recent mortgage transaction with Ally Home.
- Starting as early as XX/XX/XXXX we raised this potential discrepancy to an Ally Home Staff member as a matter of extra assurance to ensure that this would not result in money being left on the table : - On XX/XX/XXXX, prior to agreeing to a change in terms with the seller, we engaged Ally Home to inquire as to whether it was likely that the Ally Home estimated closing costs of {$28000.00} to drop below the credit offered by the seller of {$25000.00}. The reason being we wanted to be sure that we could fully utilize the credit being offered by the seller. During this conversation the Ally Home Staff member indicated that it was highly unlikely for the estimated closing costs to decrease and, if anything, that they would increase. At this time we used this information to guide our decision to sign a change in terms for a {$25000.00} seller credit, taking into account the assurance from Ally Home that we would be able to fully utilize this credit.
- On XX/XX/XXXX, after receiving a preliminary closing disclosure indicating the closing costs would be less than the seller credit, we again inquired into whether this would result in leaving money on the table. An Ally Home Staff member assured us that we could still utilize the full seller assist. To quote, the email read as follow : To answer your question, it looks like you can apply the entire $ XXXX to your loan so I am not sure why it was partially collected when youre able to use the allotted amount in its entirety. Your final CD will be uploaded reflecting the full $ XXXX and if school taxes are to be covered by the seller that will be reflected as well. As soon as you both acknowledge your Initial Closing Disclosure in the portal, you can schedule closing, and then I can begin working your file and send updated documents to title for balancing.
- On XX/XX/XXXX in response to the Ally Home Staff members communication, we responded with : Should we wait to sign the [ Initial ] Closing Disclosure until these adjustments are made?
- On XX/XX/XXXX in response to the above question we received from our Home Loan Expert : No maam, since the adjustments will be reflected on your Final Closing Disclosure there wont be a revised Initial Closing Disclosure sent out. Acknowledging the Initial Closing Disclosure in the portal doesnt lock you in to any of the mistakes shown and is simply a manner of acknowledging the CD so you can schedule closing, so that we can move forward with generating the closing package.
- On XX/XX/XXXX we also attempted to engage in brainstorming around how this discrepancy could be dealt with in the event that it resulted in leaving money on the table.
- Between XX/XX/XXXX and XX/XX/XXXX we reached out multiple times to seek answers to our inquiries by email and phone with little to no response. When attempting to contact Ally Home by phone we were often assured that a message would be relayed to the appropriate Ally Home Staff member and that we would receive a call back.
- On XX/XX/XXXX, less than forty eight ( 48 ) hours prior to our closing date and time, an Ally Home Staff member reached out indicating that we had a {$2700.00} surplus of seller assist credits that we needed to address, contrary to the communication from an Ally Home Staff member on XX/XX/XXXX that any surplus could still be fully utilized. We were provided with three ( 3 ) options to explore at this time.
- On XX/XX/XXXX at XXXX Eastern Standard Time ( less than twenty four hours prior to our close ) it was realized that none of the three options were feasible. At this time an Ally Home Staff member, after apologizing profusely, indicated that a concession by Ally Home was possible and under review by the Director of Operations and being taken seriously.
- We also did not receive our final Closing Disclosure until after XXXX Eastern Standard Time, less than twenty four ( 24 ) hours from our closing, which was scheduled at XXXX EST the following day, and contrary to the twenty four ( 24 ) - forty eight ( 48 ) hour standard. By the time that we realized that the three options presented werent viable, we were well within twenty four ( 24 ) hours of our arranged closing date and time, and, as such, negotiating was not an option, resulting in almost {$3000.00} being left on the table.
Had this been appropriately addressed on XX/XX/XXXX, as it should have, after we raised the issue to an Ally Home Staff it is reasonable to believe that a solution could have been identified without disrupting our closing date or causing undue stress. As a result of this oversight and poor business practice we have lost out on {$2700.00} and incurred undue stress directly as a result of Ally Homes oversights.
We were informed by an Ally Home Staff Member that we could proceed with our originally scheduled close date and time and that doing so would not prevent, nor have any negative impact on getting this issue properly addressed. Ultimately, we received an email on our closing day, XX/XX/XXXX, but after we had already closed, indicating that no lender ( Ally Home ) credits or concessions were possible. Further, it appears that Ally Home was pretty quick to sell the loan to a new party, which could be standard business practice but from our perspective could appear to be an action by Ally Home to limit interaction with us as much as possible going forward due to the scenario described within this notice. Put in simple terms a way of making the problem go away.
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| 11/24/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. ALLY FINANCIAL & {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 11/29/2021 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficieant of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. ALLY FINCL & {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Iowa XXXX
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| 11/23/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficieant of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by XXXX and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section XXXX of The XXXX Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by XXXX to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( XXXX ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
XXXX. ALLY XXXX & {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 10/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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Legal Department, I am a victim of identity- theft, I am writing to request that you block all the following fraudulent accounts in my files with XXXX XXXX XXXX , and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall be honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
The below-listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out go my credit files.
1. Identity Theft ALLY FINANCI Date of inquiry : XX/XX/2020 This is not mine.
2. Identity Theft ALLY FINANCI Date of inquiry : XX/XX/2020 This is not mine.
I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity-theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity-theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate pro
of of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers
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| 04/17/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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In XX/XX/XXXX I had cancelled the maintenance package I purchased with my vehicle. The dealer ( XXXX XXXX, XXXX, MD ) whom I cancelled the maintenance package with, sent to Ally Finance ( Auto Loan department ) the amount of {$3300.00}.
On XX/XX/XXXX I telephoned Ally Finance ( Auto Loan department ) to confirm they received the payment from the dealer. Ally Finance stated that " {$3300.00} was received by the dealer, and that my next payment of {$270.00} would be due on XX/XX/XXXX. They further stated that in XX/XX/XXXX the payment would resume to the monthly amount of {$550.00}.
Then in XX/XX/XXXX, for several days I had been noticing I had been receiving calls from an, " unknown '' caller on my phone 's caller ID. I did not answer the call as with " unknown '' I am aware that these are Robocalls, solicitor calls. There was never a telephone number associated with " unknown ''. However, on XX/XX/XXXX, when again I received another " unknown '' call I decided to answer it, in hopes to make the Robocall stop. When I answered the phone, there was a long silence, then they asked to speak with " XXXX XXXX '' ( me ). When I asked who they were, the caller identified them self as being from Ally Financial. I asked what the call was regarding, and they stated that I had owed them money for my automobile loan, {$1700.00}. I replied that was not true, as per my call with them in XX/XX/XXXX, I was informed the dealer sent a check that was received and applied to my account, and that I was further informed that my next payments were not due until XX/XX/XXXX. I further stated, that I did not feel comfortable continuing the conversation as the number was received as " unknown '' on my phone, and there was not a number associated with " unknown ''. At that point I immediately hung up the call and dialed the number I knew for Ally Financial, and that I had saved to my phone 's contacts. When I got through to Ally Financial and explained what was going on, they stated that the check they received from the dealer was returned by the bank as non-sufficient funds onXX/XX/XXXX. I then stated to Ally that I was going to the dealer to investigate and would call them back soon.
As soon as I hung up, I drove to the dealership for clarification of what Ally Financial stated as the check being returned. The dealer representative of XXXX XXXX in XXXX, MD, XXXX XXXX, investigated it with the accounting department, and determined that the check had in fact been cleared. With the assistance of the dealer we then called Ally Financial together to get to the bottom of this.
When the dealer and I got Ally on the phone, Ally then stated that the check had in fact cleared, and that it had originally been applied as a normal payment in XX/XX/XXXX, but on XX/XX/XXXX they then re-applied the payment to the principal balance. I informed Ally that I was leaving the dealership, and would call them when I had privacy to discuss this.
Moments later when I left the dealer, I again called Ally Financial back. I informed Ally Financial that I had not received a letter, nor a telephone call, nor a certified letter. I had never been informed of this re-applying of the payment to the principal, that I had just been informed of by Ally. I instructed Ally to re-apply the money from the dealer back as a payment, where they ( Ally ) had originally placed it and had informed me of such placement on XX/XX/XXXX. At that point, Ally then transferred me to a XXXX XXXX in Customer Service. After spending over an hour with XXXX XXXX, going over everything, explaining again how Ally had re-applied the payment without ever informing me - not by letter, or by call, or by certified letter, and now they were demanding over {$1700.00}. I explained to XXXX XXXX that I only just learned of this situation because I answered my phone from a caller that identified them self as " unknown '' on the caller id of my phone, no number showed up only the words " unknown ''. I stated to XXXX XXXX that this is not how to treat customers. After over one hour and several holds that I was placed on by XXXX XXXX, he stated that they would work to remedy this by re-applying the {$3300.00} back as a payment as they had done on XX/XX/XXXX, which would then put the payments back to XX/XX/XXXX at {$270.00}, and then resuming regular payments in XX/XX/XXXX for {$550.00}. XXXX XXXX said for me to to give it 24-48 hours, and that Ally would call me back at that time to confirm everything was back to how it was on XX/XX/XXXX.
OnXX/XX/XXXX I gave Ally a follow-up call to see if the {$3300.00} had been re-applied as payment per what XXXX XXXX stated. I spoke to a XXXX XXXX, who placed me on hold several times, to then inform me to call back on Thursday, XX/XX/XXXX for a status of the re-applying of the {$3300.00} back to where it was onXX/XX/XXXX.
In closing and as stated, Ally Financial informed me on XX/XX/XXXX that the dealer check for the maintenance I cancelled was received and that no other payment was due from me untilXX/XX/XXXX. It was because I had answered the call of an " unknown '' caller with no phone number ( later identified to be Ally Financial ) on XX/XX/XXXX that I learned that Ally never notified me that they reapplied the check for {$3300.00} for the maintenance plan I cancelled with the dealer, and were demanding payments from me totally {$1700.00}. At this point Ally Financial has seriously destroyed my credit, and has deceived me.
I am seeking help from the CFPB in working with Ally Financial to resolve this issue ASAP, and to fix my credit with the credit reporting agencies.
If you need further information, or clarification, please let me know. Thank you.
Kind Regards, XXXX XXXX
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| 09/23/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with balance transfer
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Web |
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The week leading up to XX/XX/XXXX, I attempted to log in to my bank accounts at Ally Bank. ( account numbers : XXXX & XXXX, username : XXXX ). Upon logging into my bank account, I realized that my account had been frozen. I had just received my direct deposit from work for XX/XX/XXXX. When I called Ally and spoke to a representative, she explained to me she could not tell me why the accounts were closed, only that I should of received a physical letter ( which I never did ) letting me know the accounts were being closed.
By the following week, I did receive a letter from Ally, stating they had closed my checking accounts per their deposit agreement, but never actually provided a description ( fraud, illegal activity, etc ). In this letter, was a check for the amount of {$1000.00}, what was left in my checking account XXXX.
Since I was blind sided by my bank XXXX XXXX XXXX randomly shutting my accounts down without explanation or a proper heads up, I went to XXXX XXXX that week and was able to establish a new checking account.
At this time, I was also a customer of Ollo Credit and had a reoccuring account with them since XXXX. I had received notification that Ally Bank was purchasing Ollo Credit and that a merger was going to occurr. I had tried to log in to my Ollo account through the month of XX/XX/XXXX and showed no payment due. Then on XX/XX/XXXX when I logged into my Ollo Account I was directed to finsih the merge to Ally Bank. I noticed I was provided my same log in credentials from when I was a banking customer, XXXX. I was puzzled as I had no longer been a member of Ally bank for over a month. They closed my checking accounts down over a month ago and yet still maintained my log in & personal data, for a new credit account they purchased from another company. Upon finishing the log in process, I noticed my Ollo credit card account had been transferred to Ally, as expected. When I looked further, I noticed my 2 checking accounts that were " closed '' XX/XX/XXXX, were not all closed. The XXXX account had a statement saying " Closed XX/XX/XXXX '' but the XXXX account was still open and now displaying a - {$35.00} charge. I reached out to Ally on the night of XX/XX/XXXX, the first customer care associate was no help. I spent over an hour and a half on the phone with him, only for him to tell me supervisors were not available. I hung up the phone, called back shortly after and spoke to a wonderful woman, whos name I don't recall, but I told her to immediately pass me to a supervisor. She understood my tone and was able to connect me to " XXXX ''. I explained my concerns to XXXX questioning why this account was still open and the experience I had earlier with the associates. XXXX was not able to provide me with an explanation, only that an employee at Ally had re-opened my checking account XXXX, after XX/XX/XXXX to " process merchant charges ''. I expressed to XXXX my concern, " How can an employee at a bank, who closed my account at their disgression, then re-open an account without my knowledge or consent? '' I asked him to provide me a signed agreement after XX/XX/XXXX, in which I authorized this. XXXX was speechless, as he knew that someone messed up regarding this situation. As I looked further on the statement for account XXXX, the - {$35.00} I had on the account was processed XX/XX/XXXX, 16 days after Ally bank closed my account. After having a long conversation with XXXX, I expressed to him I had filed reports against Ally, as my privacy had been breached by one of their own employees.
I have reached out multiple times to Ally support and have 2 case numbers involving my recent inquiries into these faults one is # XXXX, the other case number, XXXX is from a chat assistant XXXX.
Then on XX/XX/XXXX, I received a phone call from Ollo Credit ( XXXX ) XXXX. When I called the number back I spoke to a XXXX (? ). When she verified some info from me, she asked me " How can I help you today? ". I expressed to her I had a missed call from them and was returning it. She took some time to look up my credit card account and said they were reaching out because there was " a returned payment on XX/XX/XXXX for an amount ~ {$800.00} ''. I expressed to XXXX that Ally Bank had recently purchased my credit account from them. She seemed oblivious this buy out of her company had even taken place. I continued to ask her about this returned payment and upon her admission, Ollo Credit had tried to process an ~ {$800.00} payment to my Ally checking account XXXX that was illegally reopened by an Ally employee after the date of XX/XX/XXXX. I explained this situation to XXXX and the only thing she expressed to me was to fax over some information to prove these details.
I am concerned as my privacy and personal data has been breached and abused by Ally Bank and possibly Ollo Credit. I have reached out to Ally and demanded the name of the employee who re-opened a bank account in my name, without my knowledge or consent. I have not received any correspondence back as of XX/XX/XXXX. I was a victim of identity theft while a customer of Ally in XXXX. Someone was able to create a fraudulent checking account in another state in my name and send ~ {$9000.00} without Ally even questioning it. They were able to return the money after I called them the day the transaction occurred. I am reaching out to all entities in hopes to find resolution and protection from from Ally & Ollo 's negligence. If they were able to continue these charges and process these charges without my knowledge, it could of financially ruined me down the line if I was not conscience and persistent in noticing these faults.
|
| 09/16/2023 |
Yes |
- Checking or savings account
- Other banking product or service
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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I opened a new Ally Invest account, with a {$100.00} bonus offered if I met the requirements. Those were to set up a recurring deposit of {$100.00} for three months. I ended up doing the deposit for four+ months. I contacted them about the bonus and was told I met the requirements. I was then denied it later without a reason why. I asked why I wasn't getting the promotional credit, and they ignored me. Below is the exact correspondence __________________ -- -- -- -- -- -- -- - Previous Message -- -- -- -- -- -- -- - From : [ XXXX ] To : XXXX Date : XX/XX/2023 XXXXXXXX XXXX Hi, When will my {$100.00} new account bonus be deposited? Thanks, XXXX XXXX Sent from my XXXX
Hi, When will my {$100.00} new account bonus be deposited?
Thanks, XXXX XXXX Sent from my XXXX -- -- - On Fri, XX/XX/2023 at XXXX XXXX Ally Invest XXXX wrote : Dear XXXX, Thank you for contacting Ally Invest.
We appreciate your message and our apologies for any inconvenience that may have been created by the delay in the promotional payout. I was able to review the account and it appears that you have met all the criteria for payout of the bonus. I have asked our marketing team to review your account and if everything has been met, to process the bonus payment as soon as possible. We ask for your patience during this period as our marketing team does not process the reviews on a one-by-one basis but in batches. I have seen where the reviews can take multiple weeks before the payment is processed. If you need to reference my request to have the account paid the promotional bonus, please use case [ XXXX ] in any future messages. Please let us know if you have any questions in the interim. I hope that you have a great rest of your day.
?
Please feel free to contact us at any time with any questions or comments you might have regarding your account or our website. We can be reached via this email address, through the Live Chat links on our website, or by phone at XXXX. We are here for you 24/7.
Sincerely, XXXX XXXX Services Ally Invest XXXX XXXX XXXX, XXXX, NC XXXX ( XXXX ) XXXX The content of all messages is subject to access, review, archival and disclosure by Ally Invest system and compliance administrators. System response and account access times may vary due to a variety of factors, including trading volumes, market conditions, system performance, and other issues. Ally Invest Securities LLC and its associates do not accept instructions to affect securities transactions or funds transfers via email. Securities products and services offered through Ally Invest Securities LLC, member FINRA / XXXX. For background on Ally Invest Securities go to FINRAs BrokerCheck. Advisory services offered through Ally Invest Advisors Inc., a registered investment adviser. View disclosures. Ally Invest Advisors and Ally Invest Securities are wholly owned subsidiaries of Ally Financial Inc. Securities products are NOT FDIC INSURED, NOT BANK GUARANTEED, and MAY LOSE VALUE. If you have questions about this information, please contact us at XXXX.
Ally Invest Group Inc. | XXXX XXXX XXXX, XXXX, NC XXXX Ally Financial Inc. 2023. All rights reserved.
Ally Email Identifier : ref : XXXX : ref __________________ XXXX [ XXXX ] RE : New account bonus - Case Number : [ XXXX ] Ally Invest XXXX Sat, XX/XX/2023 at XXXX XXXX To : [ XXXX ] Dear XXXX XXXX Thank you for contacting Ally Invest.
I am sorry for the time this is taking. I can verify that the case has been forwarded to the correct department, however it is still under review. Once it is processed, you should receive an email with the results of the case. If the bonus is paid to the account, you will see it reflected on your Activity page within your account.
Please feel free to contact us at any time with any questions or comments you might have regarding your account or our website. We can be reached via this email address, through the Live Chat links on our website, or by phone at XXXX. We are here for you 24/7.
Sincerely, XXXX Client Services Ally XXXX XXXX XXXX XXXX, XXXX, NC XXXX ( XXXX ) XXXX The content of all messages is subject to access, review, archival and disclosure by Ally Invest system and compliance administrators. System response and account access times may vary due to a variety of factors, including trading volumes, market conditions, system performance, and other issues. Ally Invest Securities LLC and its associates do not accept instructions to affect securities transactions or funds transfers via email. Securities products and services offered through Ally Invest Securities LLC, member FINRA / XXXX. For background on Ally Invest Securities go to FINRAs BrokerCheck. Advisory services offered through Ally Invest Advisors Inc., a registered investment adviser. View disclosures. Ally Invest Advisors and Ally Invest Securities are wholly owned subsidiaries of Ally Financial Inc. Securities products are NOT FDIC INSURED, NOT BANK GUARANTEED, and MAY LOSE VALUE. If you have questions about this information, please contact us at XXXX.
Ally Invest Group Inc. | XXXX XXXX XXXX, XXXX, NC XXXX Ally Financial Inc. 2023. All rights reserved.
Ally Email Identifier : ref : XXXX : ref -- -- -- -- -- -- -- - -- -- -- -- -- -- -- - Previous Message -- -- -- -- -- -- -- - From : [ XXXX ] To : XXXX Date : XX/XX/2023 XXXX XXXX Hi, I still have not received my account bonus. Thanks, XXXX [ REDACTED ] On Fri, XX/XX/2023 at XXXX :? XXXX XXXX Ally Invest
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| 08/16/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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I purchased my vehicle XX/XX/XXXX. My creditor was Ally Financial/Ally Auto. In XX/XX/XXXX my 1st payment was due.. On XX/XX/XXXX my place of employment shut down and on XX/XX/XXXX and I was let go due to the Coronavirus pandemic. I reached out to Ally financial i was advised that they were doing 120 day payment extensions for EVERY CUSTOMER requested. My next payment due date was XX/XX/XXXX. I made this payment. In XXXX I had still been waiting for unemployment. I was denied traditional unemployment which took 4-6 weeks with approval or denial. So I had to apply for Pandemic UI. This took 6 weeks. I immediately contacted Ally Financial to advise the circumstances. I was ENSURED by a manager repossession would not happen unless i was 90 days+ late with no contact to them. Now I was speaking to a manager because on their website it specifically states " they are here for us '' " we will work with you '' " if you have been affected by covid, we have options '' Yeah that's not true. I was literally one of the 1st ppl affected by the pandemic hints why UI was such a long wait. I was denied ALL of their so called resources because I had not made 6 months payments on my loan. But I hadn't even paid on my loan for that long. My 1st payment on my loan was XXXX. So I had a {$460.00} payment with XXXX income and no resources. In XXXX my father was in the hospital with covid and organ failure. The hospital advised that even though we could not see him, we needed to be there and prepare for loss of life. I live in Utah he lives in Texas. I had to go. So I decided to wait to pay my auto loan. I had to anyway due to {$0.00} income. I spoke with Ally Financial CS/Supervisors and Managers and advised. I was getting a call every single hour. Even though the SUPS and Managers noted this on my account and told me everytime I called the collection calls would stop they never did! Evey day all day from the day after my due date the XXXX XXXX. From XXXX I was in Texas. While in Texas I received a call from the police. My home had been burglarized.. a few times. A total of 6 time my home was broken in ( per my home security alarm notification ) On XX/XX/XXXX we were hit by a declared natural disaster. My back door was kicked in by the burgulars so the natural disaster affected the inside of my house as well. So on XX/XX/XXXX I come home to drugs all though my home, all my stuff, bsnk accts and identities stolen ( literally ) and a hurricane inside. Finally from XX/XX/XXXX I received my unemployment. {$130.00} a week. In total. I rcvd a {$1600.00} deposit. I knew I needed to pay my car payment because even though they helped they didn't. But I also knew I had all my other bills due. So I had {$460.00} due for XXXX and {$460.00} due for XXXX on the XXXX. I used my cash card account via direct debit so Ally Auto was linked to the actual account. Again this is a cash card. You can not at anytime make any payments if uou do not have cash loaded on this card. It will not pend it will automatically reject. On XX/XX/XXXX I paid {$250.00}, XX/XX/XXXX {$200.00}, XX/XX/XXXX {$250.00}, XX/XX/XXXX {$300.00}, XX/XX/XXXX {$200.00}, XX/XX/XXXX {$300.00}. My payments are {$460.00}. I decided to use all my funds on Ally since they did not offer any resources. I paid a total of {$1500.00}. XXXX, XXXX, XXXX and half of XXXX. The calls ended. I did not receive ANY calls. XXXX XXXX. I open my door and there is a man who secretly opened and entered my gate ( which are all locked with a tie because of my small children ) with my vehicle fully connected to his truck. I ask him what he is doing and he says your vehicle is being reposessed? I told and showed him my proof of payments. Which are from Ally Financial. He calls Ally and advised he sees the payments made. Ally asked to speak with me. Ally advised me that they had not received or showing any of my {$1500.00} payments. But I did not receive 1 single collection call like I did in XXXX? They advised me that since he has my vehicle hooked he can not unhook it " legally ''. Ally gave me a fax number to send my proof of payments. I did immediately. I call the next day my account was transferred to another department and they gave me another fax. I fax call them again, my account was again transferred to another department. This happened 5+ times. For 2 weeks or more all the way to the retention department. I spoke with them and they took my statement and contested the repossession. Advised me to call back in 1-3 days for the response. I called the 2nd day where had me do it all over again by the 3rd time I finally said I've already contested the repossession I am calling to know what the response is. I do not need to contest the repossession again. At this point I contacted all of corporate. With no response. I call in again and they advised that they accepted ALL of my payments but the repossession stands!!! That makes no sense. When I spoke with a sup or manager she could not tell me why my vehicle was repossessed Because they accepted my payments. She put me on hold unexpectedly until she hung up. They wanted me to pay them $ XXXX for my vehicle being reposessed 13 days after my due date! They sold my vehicle and never allowed me to get my items out. My vehicle was {$16000.00} with a total finance for 72 months being $ XXXX. Its only $ XXXX if I go XXXXmonths. They sold my car for $ XXXX. If anything theybowe me money. I truly hope this gets looked into. Because they are wrong in do many ways. ( please reach out for any of the proof I have mentioned above. I have saved calls, emails, bank statements etc to XXXX )
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| 12/27/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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I financed a new vehicle through Ally in XXXX, XXXX. In XXXX, XXXX I was furloughed from my career in an industry I have worked in for 12 years due to the Covid-19 pandemic and impact it had on the hospitality industry through no fault of my own. While receiving unemployment benefits, I reached out to Ally and the agent laughed at the situation.
Please review the message regarding the interaction I sent to Ally : Ally Auto XX/XX/XXXX Good evening, I'm appalled and in shock from the experience I had with the Ally Financial call center this evening. I called this evening, as I received a phone call this afternoon from the call center regarding late payment. I had sent a secure message online around the payment due date indicating that my financial situation has been impacted longer due to Covid-19 and I was requesting an extension of payments or partial payment plan to get the loan back on track. No response. The call was made as a " debt collector '' and there was no response to the online message I submitted which did indicate two business days for a response. The call center even said that the message was never received. I see it right here in the secure message center? After speaking with the call center operator I indicated I would submit a payment for {$650.00} - the past due amount. This evening, I called to make that payment, and proceeded to explain how my financial situation has changed. As of today, I was officially laid off from my position and up until today, I was furloughed, with a return to work date of XX/XX/XXXX. I mentioned on the call with the first operator this evening around XXXX that same information and said that Unemployment Benefit pays {$240.00} a week and I would need to be able to come up with a payment plan or extension for payment which is when the operator began to laugh over the phone. I was shocked. Is this really how customers get treated? Is this how call center operators behave in the midst of a pandemic and millions of hardships across the country? You pride yourselves on wanting to assist the community in this time of need - I think the opposite now. This operator treated me more poorly than any business I have worked with or for as a senior manager. Your company should be ashamed. I'm not asking for anything except to speak to a supervisor or manager at this point and then I'm on a brief hold. The person returns and sounds similar to the person I was speaking to before but this operator assured me it was not the same person. Now this person came on the phone with no knowledge I had been a internal phone transfer and did not know what just transpired, which I find hard to believe. I continue to explain what just happened. He continues to be robotic in response and press me for payment, which I'm doing after I send this message. I only wanted to share this experience and hope Ally does better. The lack of professionalism, childish, belittling behavior by a business call center operator should be reprimanded for his actions. The call I'm guessing is recorded so I ask you to review it. I will make the payment now but someone in a senior leadership position needs to call me immediately. I will be making this public and I will be sharing this experience. This is not ok. No one should be treated like that.
This was the first experience I had and ever since Ally continues practices that are questionable at best and Im sure break some level of consumer finance laws while showing no desire to work with me. It took 12 days from that message for a response or acknowledgment of the message to send me a message to call Ally.
I was able to get a payment plan later on when I made several attempts to contact Ally that did not help me aside from extending the finance and would cost me more money.
The past few months, I fell behind again, and I attempted to contact Ally Financial to make a payment now, the operator placed me on hold and said I would need to be transferred to the correct department, came back after being on hold, and said I would be added to the call cue and hung up or disconnected the call? No return call. This had happened more than once this month and all I was attempting to do was make a payment which I informed the agent at the beginning of the call.
Ally threatens repossession ( which I believe is the action being taken ) but is not giving me the opportunity to do anything about it when I send messages online or attempt contact through the call center.
Two partial payments I attempted to make, and even confirmed funds are available in my bank account for Ally to withdraw, had been returned, and Ally marked as returned in the Ally online portal which was never possible.
This morning a large door tag notice was posted on my garage with big bold letters XXXX indicating theres an open investigation for this address with a case number and agents phone number to contact. I attempted to contact the agent and got no answer. I got a voicemail box, with a business name that was inaudible, the recording was purposely muffled and spoken fast. I was unable to leave a message as well because the mailbox was full as well. I believe this related to Ally after a XXXX search and customers with a similar experience.
All account documents, and statements has been limited or unavailable to review in the Ally app or online portal as well which makes this even more difficult than it needs to be. See screenshots included with this complaint.
All in all, these practices and behavior need to cease and I hope in sharing, someone or something can be done.
Thank you for your time.
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| 07/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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On XX/XX/2023, we ( joint ownership of loan ) contacted Ally Financial regarding our auto loan and a financial hardship via their website : www.ally.com. We spoke to an online agent and was told we could apply for an extension to the load to help with the hardship. We filled out the form for the extension and was approved for a 2 month extension. The term was to sign the document and have made a payment of {$400.00} to have it be approved within 10 days from the date of the letter. We signed the document and sent it back. I requested an extra 2 days to pay the amount to align with my paycheck and they stated it was not possible. They said to let the extension letter expire and re-apply for a new extension to have the extra days to make the payment. We started the extension request process again on XX/XX/23 and was approved again with a payment due within 10 days of the signed letter. This time they mailed us the extension approval letter to sign and have sent back by the 10th day of the dated letter. The extension agreement is dated for XX/XX/23. We received the letter on day 8 and according to the extension agreement, we are allowed to fax it directly to them. We signed the letter on XX/XX/23and was able to directly fax it to them on XX/XX/23. We requested confirmation that the extension agreement was delivered and received printed copy for proof of delivery and that it was delivered successfully to them on XX/XX/23 at XXXX CST and delivered by XXXX CST. We made to sure to keep all documentation for our records. We also confirmed on the Ally website that they processed the amount of {$400.00} successfully from my bank account on XX/XX/23 as well with verification as well. On XX/XX/2023, we both started getting harassing calls from Ally Financial that we were past due on our auto loan and that we owed money. We get an automated call and then wait to speak with their customer service department. Once we get on the line with Ally rep 's, we get the same past due and make a payment now transcription from them. When we go into detail on the extension approval with them, they go into our account and tell us there was no extension letter approval or that they did not receive the letter back. We verified the fax was sent correctly and sent in time, however, they refused to find a solution and told us to re-apply again but it would still make it a 30-day late payment on our credit reports. We requested to speak with a supervisor and was just told we can send an email with the proof of documents we have. We went online and sent an email to Ally, along with all of our proof of documentation that everything was done and delivered on time and correctly to correct locations. I even have a screenshot from the representative with Ally through their chat live option and told them I was sending the letter and money now. We also found out our credit did take a drastic hit because of this issue, it has caused us each XXXX points demerit on our credit reports. With no response back yet on the email, on XX/XX/23, I sent another email pleading for someone to contact us to get this resolved. On XX/XX/23, we received an email back from Ally that in order to get this resolved, they needed to contact us via phone within 48 hours. The only phone calls we received ended up being automated customer service calls back taking us back into the whole past balance issue and having to explain everything over again. They continued to tell us a supervisor would call us with 24-48 hours. We then would receive 3-4 calls per day since getting the same responses. On XX/XX/23, I tried to do online chat through Ally 's live chat session convenience. After going over everything again, we were given the exact same details as before. They stated they would put in a note on our account to have a supervisor or manager contact us via phone within 48 hours. No calls from a supervisor have yet come .... I sent another email on XX/XX/23 stating the issues of the phone calls and that we needed to get this resolved as it is hurting our credit reports each. In this email, I stated I would take this up chain of command, including the consumer bureau and possibly getting an attorney for this matter, if we can not get a call or response towards getting a resolution of any kind. Since then, the past few weeks have been the same issue, except, we can no longer get access to our message/email portal within Ally Financial. I have taken videos and screenshots of every time we try to get into our online account. We can access every tab and link within Ally 's website, except, Email/Secure Message tab. We still receive customer service calls 3-4 times each day with no one allowing us to speak with a supervisor on the phone. We are always told that the supervisor is unavailable at that time and will call us back. On XX/XX/23, we are still trying to resolve this issue and now we are getting hung up on any time we ask for a supervisor. We still can not get into our online portal email tab. We feel after all of this and not getting anywhere and our credit hurting, we need to take this higher above us. We have proof everything was done on time and documented every message and chat session and screenshots of our message portal not working for us any longer for weeks. We also have our phone calls documented every time they called us and every time we called them and documented how long our conversations were. We are also finding ourselves an attorney to help us, but this needs to be addressed as we have never encountered such a horrible experience ever like this.
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| 04/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I lost my job in the mortgage industry and my payment for my car loan kept bouncing but I realized the reason it was bouncing was because it was coming out on the 6th of each month which was well after my husband 's pay check went into our account. So I set up a auto bill pay through my bank so that the car payment would come out early on the day my husband 's pay check went into our account on the last day of the month. That way Ally would get their money right away before we ran out of money. Unfortunately they put a block on my account and even though they received the payments, they refused to credit my account. The first bill payment left my XXXX XXXX XXXXXXXX checking account on XX/XX/XXXX for {$350.00} for a payment that was due on XXXX By mid XXXX I noticed that my payment still had not been credited on Ally 's website so I called and spoke to a representative. They told me that they could see the payment but that it wasn't being credited because of the hold on my account. They said I needed to send a new payment via XXXX XXXX because of the hold on my account. I told them that it wasn't fair that they were holding the funds I needed to use for the payment and that they should credit my account since they could see the funds sitting there and received by Ally. The representative told me they would escalate it up to a manager and that they would research it and get back to me. Another week passed by and I had not heard from them so I called again. At this point my XXXX payment had just left my XXXX XXXX XXXXXXXX checking account via auto bill payment on XX/XX/XXXX in the amount of {$350.00}. This new representative told me he could see both payments received by their payment system but was still sitting in Ally 's account and not being credited to my account because of the hold. Again they told me to send a payment via XXXX XXXX because my account was now late. I told them that it was grossly unfair that they had been holding my payment and not giving me credit for it. He said they would return it to me but I told them not to that I wanted it escalated to a manager to get it credited to my account because a creditor can't just hold someones payment for over 30 days and not give them credit for it and then mark them as being late. If they weren't going to accept the payment then they should have immediately rejected the payment and returned it at the point that it was sent. I explained that I had lost my job and did not have extra money to just keep sending them car payments while they hold my previously sent funds. The representative told me he would escalate and have a manager call me in two days. Again no one reached out to me. I called back and was told that someone had already processed a return of my payment because of my phone call. So they completely ignored my request, never called me like they said and refused to credit my account for money they held on their end for over a month!! How is this even legal!?!?!?!
On XX/XX/XXXX one of the payments was finally returned to my bank after more than 30 days so I took it along with money we were using for our mortgage payment, which made our mortgage late, to take two payments in the amount of {$720.00} to XXXX XXXX on XX/XX/XXXX and pay both XXXX and XXXX car payments even though Ally still had XXXX of the payments previously sent by my bank and had just returned one of them more than 30 days after they received it.
On XX/XX/XXXX I received the second payment of {$350.00} back from Ally, again 30 days after they had received it and held it in their account, collecting interest I'm sure, but refused to apply it to my account as a payment. On XX/XX/XXXX my bank sent XXXX 's payment on XXXX for {$350.00} but this time it was credited to my Ally account as payment received. I called them today to ask if the payment was being returned and was told by a supervisor by the name of XXXX that the payment never should have been credited to my account and that they were going to have it investigated and returned to me. That's when I told them that I was going to file a complaint with the CFPB because they were making it impossible to make the payment. People are struggling to survive and yes I had returned payments because of losing my job but I was able to set up the auto payment and make three months of on time payments which they refuse to give me credit for and keep sending back to me. They then make me take the payment to XXXX XXXX, pay an additional fee to resend the payment they just returned to me. They are marking me late on my credit and charging me fees even though I'm trying my sincerest to make these payments. Never have I had a company make it so hard to make a payment. Please investigate this. It's not fair that I had to take money from my mortgage payment and send it to them just because they refused to give me credit for a payment they had in their account that had cleared. They held on to both payment for 30 days and then returned them and marked me late. How is this fair??? This situation has been incredibly stressful and upsetting. I'm trying my best to keep my accounts current while working odd jobs and updating my education to get a new job. I've called so many times and they have not worked with me or helped me get these payments credited to my account. Instead they return the payment and continue to punish me as if I haven't made the payments. Sometimes people fall on hard times but companies shouldn't be allowed to make it impossible for people to make payments and then say they're late when they aren't.
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| 09/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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Complaint against Ally Home Loans / Better Mortgage Corporation / Ally Bank : I am reporting abusive and incompetent business practices by Ally Home Loans, who operates through Ally Bank and Better Mortgage Corporation. I attempted to get a home refinance loan on my personal residence through Ally. The experience was one of the most time consuming, frustrating, and unprofessional experiences I have ever had with any company. Here are the facts : I had a phone meeting with Allys loan officer XXXX XXXX ( NMLS ID XXXX ). I thoroughly explained my scenario as a selfemployed investor who owned multiple properties and derived my income from that. My credit score is exemplary at nearly 800 and I have a flawless payment record across every account and loan I have ever had. He expressed zero concerns, indicated no potential issues, did not state any unusual Ally policies that would apply to my situation, and he actively encouraged me to complete the loan application and get the loan refinance process started. He also said he would help at any point in the process if I ever needed any assistance ( he never once responded or followed up at any point in the entire process afterwards, even after multiple direct contacts to him ).
I was then put through an excruciating application process that ended up taking approximately XXXX hours of my very valuable time to complete their many requests ( through a team via XXXX XXXX XXXX. They requested items that were extremely tangential to my home loan, such as all individual unit rental leases in addition to associated financial reports, insurance policies, and random documentation on properties owned by separate commercial LLCs. They also sometimes requested the same items multiple times, and they frequently needed assistance in helping them to understand documentation since they clearly were unprepared for working with selfemployed investors who had more than rudimentary W2 income.
Ally claimed to follow Fannie Mae guidelines. However, this was false since they repeatedly failed to account for extraordinary expenses as Fannie Mae does, failed to use full rental income as Fannie Mae allows, and calculated DTI differently than Fannie Mae guidelines allow. Every time I brought this to their attention, they literally just refused to acknowledge it or directly respond to my fact based findings.
Contrary to initial discussions with the loan officer, the Ally team refused to factor in real XXXX and XXXX income levels ( perhaps since those tax returns were not yet available ), even though I could provide all other documentation to support the financials and those income levels were much more relevant to my ongoing demonstrated ability to always pay my monthly mortgage payments.
After extensive back and forth, I was denied getting a new loan because of internally fabricated Ally policies which should have been known and brought up as their internally generated issue from the very beginning. The summary of these created policies were not only highly suspicious, but different people actually changed the specifics of the policies on the fly. When I would sometimes disprove the relevance or correctness of a policy, they would even change the policy parameters or suddenly make it more restrictive and exclude me. I spent another 10 hours, on top of the initial 30 hours, pointing out multiple errors in their claims, processing, and lack of understanding on multiple topics.
Purely at their prompting and after them continually saying everything looked good from the beginning, I paid them {$550.00} for their home appraisal. They later took no responsibility for the fact that they misled me regarding my applicability within their random internally created Ally policies regarding number of loans, sources of income, etc. that never changed from the very first meeting and yet after 40 hours of work later they raised as a newly concocted issue.
Management and customer relations ( XXXX XXXX. and XXXX ) eventually got involved at my insistence. They demonstrated a significant lack of knowledge regarding commercial properties, nonrecourse loans, passthrough entities on tax returns, and other very relevant facts pertained to my scenario. When I had to explain these concepts to them, the customer relationship managers would either just try to change the subject ( since I disproved their points ) or just flatly say I was not approved without being able to provide any valid response why.
Aside from all of their ongoing missteps and pervasive incompetence across the entire Ally time, I am most incensed by their act of essentially stealing {$550.00} from me per their recommendation and, much more importantly, them stealing 40+ hours of my much more valuable life that I will never get back. The eventual reasons they gave for denying my loan could have and should have been known from the very beginning if anyone among their loan officer, loan processing team, and customer relationship teams were able to demonstrate competence and understanding. Had I been informed of their random internally createdonthefly excuse policies at the beginning, we could have all saved each other a lot of time and aggravation. Instead, they failed miserably in all regards. In the end, I am a very low risk and high income loan prospect who was denied a home refinance loan because of their negligence, falsehoods, and capriciously fabricated internal policies. Loan applicants everywhere needs to be warned about the provable lack of integrity and competence at Ally Home Loans.
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| 11/16/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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I purchased a vehicle in XX/XX/XXXX, financed through GMAC and transferred to Ally Financial. I paid the vehicle off making final payment in XXXX and never received title. I moved from XXXX to XXXX in XXXX and requested title from Ally in XX/XX/XXXX, provided mailing address and was told 7-10 days. XX/XX/XXXX i still hadnt received title, called and was told it was lost in the mail and I would need to pay for replacement an amount in the {$300.00} range I requested release of lien and was denied as I refused to pay the {$300.00}. I then mailed letter from DMV, original inspection report, application and a money order {$190.00} for XXXX registration fees to Ally and requested title be transferred with lien so the vehicle could be registered, and still today this has not been done. I have made several calls to Ally requesting transfer and title and I an told no due to an account balance but no one could ever give me a balance. Each call I initiated at least four, I am told title will be requested receive in 7-10 days and nothing, when I follow up there is a balance due but no amount. XX/XX/XXXX I mailed again the DMV letter, originsl application, and {$190.00} for DMV fees requesting again title be transferred. I initiated contact at least 4 times since then always told I need to pay a balance without an amount. XX/XX/XXXX, after I demanded someone resolve this issue and provide details, i was transferred to Collection department who told me no record of amount, but there is s balance due and someone would contact me in 3-5 days, never received contact. The vehicle has been sitting all this time as it can not be registered, with the exception of 2-21day use permits in XXXX and currently a 21 day use permit that expires XX/XX/XXXX. On XX/XX/XXXX I filed a complaint with XXXX, XX/XX/XXXX received message from Executive Services department, returned call with message on XX/XX/XXXX and again on XX/XX/XXXX. XX/XX/XXXX received call and spoke with agent regarding my complaint. Provided details of my complaint and requested resolution including the title to my vehicle or a release of lien. During this conversation I provided details and VIN for the car so he could pull up the title information. He mentioned the same as all previous agents that there wasnt a balance he could see either. He stated he would contact his title department and get back to me. XX/XX/XXXX and XX/XX/XXXX he left message for my return call while I was at work. XX/XX/XXXX I returned his call and he informed me that the title was never sent because there was a balance due, I dont recall exact amount but in the {$1700.00} range. I disputed and asked for what and was told from the original balance. I asked for details and he told me he couldnt send what he had but could put something together. He then said that they received my request to transfer title with lien in XX/XX/XXXX, but they didnt, and they mailed me a letter XX/XX/XXXX explaining they needed the original application. He confirmed the letter was mailed to the wrong address, and confirmed he had the right address. I told him it was the original that was sent as well as the original inspection report and a money order for {$190.00} for registration fees. He could not confirm they had the physical documents sent due to the time period only that the system note said it was not the original. He said more than likely they no longer have the inspection report or money order either. He confirmed the numerous attempts Ive made to resolve and told me that no one could ever pull the information and provide the details due to the age of the account. He indicated the audio from past calls where I was told it was sent and there was no balance due were no longer available, and all he had was the notes he could find. He stated the information was hard to find and piece together. And, the balance had been turned over to numerous collection agencies over the years. He stated they did not have access to full the details due to the amount being charged off, and in order to obtain the title I would have to pay the amount due to an outside agency as they were no longer able to collect the payment. I told him I did not agree with the balance and that the last payment was made XXXX, and I never received a call, a letter or notice of the debt until now, with the exception of just being told there was a balance due. He said he would contact the title department to see what else he could do and find out if they had original documents to transfer the title so I could register the vehicle. The vehicle has sat for all but two months since XX/XX/XXXX when I operated the vehicle with 3 separate 21 day use permits. These permits each cost {$32.00}. The vehicle needs a full inspection as belts are squealing, tires, and fresh fluids as a direct result of sitting and currently is my only vehicle. The use permit expires XX/XX/XXXX. After 8 years since last payment, and 6 years of initiating contact myself numerous times I am told to pay a balance still owed from original debt based on the notes and information he could find over the past 15 days, that the account was charged off, that they received my request to transfer in XXXX but didnt transfer, that they mailed the correspondence to the wrong address even though they had the right one, and that they couldnt collect the payment for the title they hold. I dont agree there is any amount due and to wait 6 years to be given a random dollar amount and explanation of their negligence is unacceptable.
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| 04/24/2022 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Deposits and withdrawals
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Web |
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RE : Ally bank Money market account is locked 2 weeks after receiving the transferred funds.
Dear Madam/ Sir, I successfully opened the Money Market account online at Ally bank, providing requested documentation and once I have received the confirmation from Ally bank, I transferred {$150000.00} to this account on XX/XX/22. Subsequently I have received the debit card as well as check book.
On XX/XX/22 at XXXX XXXX, I have received an email from Ally bank indicating : Your telephone PIN has been changed. If you didnt make this change, call us immediately at XXXX.
I replied to the email that I have not made any changes to the account and since I have never set any telephone PIN, I was positive that this is a phishing email. Since I have not received any response by email, I called the customer service on XX/XX/22 and XX/XX/22.
Despite providing repeatedly my name, SS, DOB, address, mothers maiden name and security question that I set up during opening the account, to at least dozen of agents and their supervisors, who refused to provide any information and transferred me to an agent at the " loss prevention department ''. She asked the same identification questions. As these were not enough to identify me, she inquired about my height. At this point, it was not clear to me where this was going and how my height would be an identifier and the purpose of this phishing email sent by the Ally bank to lead to this type of interaction.
This agents interaction was far from a professional employee of a reputable bank and her rudeness was astonishing at a point that I felt unease about who Ally bank hires, where are they operating from, what are their backgrounds and what kind of training or education do they have, if any and whether the security of the sensitive data of a customer is of any importance to the Ally bank leadership. She mentioned I will receive an email. The email was different from an official letter from a traditional bank and was written in a casual manner with lots of abbreviations, requesting to upload and send her on an " unsecured email '' the SS, DL, A selfie holding DL, UB.
Subsequently, I realized that she locked my account.
On XX/XX/22 I received another email from Ally bank to call loss prevention department at XXXX. I called on XX/XX/22 and gave the agent SS, DOB, address, security question, mothers name. Nevertheless, if all these informations were not enough, she asked to send documents requested before, over an unsecured email. When I questioned why these documents were not requested at the time of opening of the account. She simply hanged up.
I called a supervisor and she mentioned I will be contacted by an specialist. It has been a week and I have not received any correspondents from anyone at Ally bank, while my account and money is sequestered by this corporation.
I am not clear how does the leadership at Ally bank provide safeguard and data security and prevention of data breach of the customers when any customer service agent directly requests and has easy access to these data on their personal computer at home during the phone conversations that could be easily stored and hence leading potentially to data breach.
It seems Ally bank hires very young and inexperienced employees without proper training to work remotely to increase profitability of the corporation with complete disregard of possibility of the data breach for the customers and lack of confidentiality.
Furthermore, what has been striking is the lack of customer care or complaint department. In 21st century, they provide the customers with a po box mailing address to file a complaint, clearly to deter customers to do so.That speaks loudly for the approval of the leadership of this corporation regarding this well organized process to harass the customers and trapping their funds and profiting by investing on the well locked funds after so called misleading " successful account opening ''.
I am conflicted and concerned about the purpose of the misleading phishing like e-mail, in attempt to force the customers to call the customer service, in order to lock their account and funds, regardless of all the identifiers confirmation. This was mentioned and confirmed at least by two agents, stating : Thats what Ally bank does.
In addition, searching online, I encountered many similar complaints from customers receiving the exact phishing like email message after successful opening of the account and transferring the fund. Some people felt courageous to send their sensitive documents via unsecured email. Nevertheless, their account remained locked and their funds were sequestered by Ally bank.
I would like to get advise as why these documents were not requested and authenticated at the time of opening of the account before the approval and transferring funds. I wonder how this is explained and legally approved at their state and federal regulatory compliance requirement.
At this point, I do not feel comfortable to upload my sensitive documents on an unsecured email and much less I feel very uneasy to send them to the employees at the loss prevention department. In case they require to provide more documentation for closure than opening the account, I do prefer to upload them securely online at Ally website, as I have done for opening the account. However, I do not have access to my online account, since it has been locked.
I greatly appreciate your advise and assistance in this matter and thank you in advance.
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| 05/16/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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On XX/XX/XXXX, I went to XXXX XXXX XXXX in XXXX, WA to Look at a vehicle. I did a test drive and decided to attempt to purchase the vehicle by completing my financing at the dealership. I knew that I wanted to go through my credit union as I have had an extensive lending relationship with them. Before the credit was run, The salesperson asked if I wanted them to run it through my credit union and a few other lenders in an attempt to find financing. I agreed to this. I waited in the salespersons room and several minutes later he came back with a printout offering me 9.94 % at 72 mos. I told him no. I asked who the financing was through. He indicated another lender not my credit union. He said hold on and he will see if anything else had come back. I waited another 10 mins and he came back with another document showing a fee removed for XXXX dollars and a rate of 8.94 %. I asked who the financing was through. He said Ally Financial. I asked what happened with my credit union? The salesperson specifically told me that my credit union declined me because I had 13 collections on my credit report. I was shocked, as I just purchased a home 7 mos ago. I have worked extremely hard to achieve homeownership and was aware of 3 outstanding medical collections that have not prevented me from purchasing my home and did not prevent me from obtaining additional UNSECURED credit from my credit union in XX/XX/XXXX when i asked for money for a car repair. I was in disbelief from what the salesperson told me and asked him what my credit score was. He didnt know but went to get my credit info and showed me that XXXX was reporting me with a score of XXXX. I told him to just give me a purchase order and I would call my credit union on Monday to find out why I was declined. He begins to question me as to why I need to check with my credit union if they have ALREADY DECLINED me. I told him I need to have a Sr underwriter to review my loan, because clearly one is not available. Once again, he says what do I think a Sr. Underwriter is going to do when they have already declined me.He leaves the room and comes back with a purchase order. I was set to leave. I then called my brother who is also a car salesman, and I ask him about the car, especially the sales price and the value of the car. I ran some numbers and decided I wanted the vehicle. The payment was XXXX than I wanted to pay, but I was thinking I could take what was being offered at this time and refinance my loan shortly once I cleaned up whatever issue was causing me to be declined by my credit union. I discussed the decline with the salesperson again, and he told me they have had recent issue with my credit union financing another client because they would not accept income as Noted on the customers paystub, stating that the weekly gross did not match they year to date on the stub. I decided to sign the paperwork with the finance person and we also discussed my confusion of being declined by my credit union. He also went into detail regarding the same previous customer and the decline.
I decided to call my credit union on Monday morning and spoke to a Sr. Underwriter and explained what transpired. I was completely surprised when I heard that my loan was approved the following day at its FULL loan structure. NEVER ONCE WAS I TOLD MY LOAN WAS IN REVIEW STATUS by the salesperson or by the finance person. If I had known my loan was in review, I would have waited for an answer. Even if that meant risking someone else buying the car. I made my decision based on the exact words I was told, that my credit union declined me because I had 13 collections. When in fact, they had not even made a decision. I feel that I was misled, profiled, and taken advantage of. The dealer has their best interest at heart the rate they gave me was almost 2 points higher than what my credit union is willing to offer. And I was advised that my rate was lowered from 8.94 to 8.74 % during the signing. I have no Idea how that mysteriously happened. I have tried to work with my credit union to rectify this situation to see if they can pull the loan back, but the dealer told the dealer rep the transaction was already e-funded. The general manager reached out to me and stated he wanted to hear both sides of the story. I explained my side but the conversation went nowhere. The salesperson vehemently denies telling me I was declined and says he told me my loan was in review. I asked the general manager what he was going to do for me, and advise him that I have previous experience as an underwriter myself and know that any deal can be unfunded, but his answer was that he wanted to hear both sides, and he would train his people to communicate correctly going forward. I asked him what that does for me? He did he was done talking with me. I stand by the fact that I did not make up what I was told. While I was doing the transaction I was texting to friends explaining what was happening and what I was told. I have screenshots of my conversations stating I was told my credit union declined me. I will admit to my error of not coming to a dealership with my preapproval, which i will NEVER do again. It did not cross my mind that I would be blatantly lied to. The General Manager did a great job of looking out for his employees. I applaud that. He even accusingly asked me if I was calling the salesperson a liar? My answer is yes. But my screenshots dont lie.
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| 11/13/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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On XX/XX/XXXX I entered into a consumer credit transaction for my XXXX white XXXX XXXX at XXXX XXXX XXXX in XXXX, GA. The finance manager who assisted me was XXXX XXXX. I never received an explanation, walk through, or full disclosure on the contents of the contract and promissory note. I didnt receive a copy of the contract until several months later, XX/XX/XXXX, although I requested it from both XXXX XXXX XXXX and ALLY FINANCIAL. On XX/XX/XXXX I mailed via certified mailing ( attached below ) a tender of payment for full satisfaction of claim of the car. I did this conspicuous and in good faith pursuant to UCC 3-11 and UCC 3-603 .
UCC 3-603 states If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender ... and UCC 3-311 states If a person against whom a claim is asserted proves that ( i ) that person in good faith tendered an instrument to the claimant as full satisfaction of the claim, the claim is discharged if the person against whom the claim is asserted proves that the instrument or an accompanying written communication contained a conspicuous statement to the effect that the instrument was tendered as full satisfaction of the claim. ALLY FINANCIAL never sent me a notice of dishonor nor did anyone explain why my lawful payment for discharge of the debt was rejected. My documents sent for discharge of the debt was never returned to me, instead I received copies of them. I asked a rep for ALLY for the return of my documents from XXXX to XXXX and I was initially told they didnt receive anything, then I was told I couldnt get my documents back, lastly I was told it would be mailed to me. I have yet to receive my documents. I was sent a letter stating that my payment was rejected and it was not an acceptable form of legal tender and only money orders, cash, and certified checks are acceptable forms. But pursuant to HJR-192, Public Law 73-10 and Title 31 USC 5118 prohibits Banks/creditors from demanding any specific specie of payment. All Banks must process lawful United States currency. Failure to do so is interference with commerce, a felony under the RICO ACT, 18 USC 1951. a Federal US court of appeals ruled on Title 31 USC 5118. As of XX/XX/XXXX, legal tender for discharge of debt is no longer required. That is because legal tender is not in circulation at par with promises to pay credit. Requirement of repayment of debt is against Public Policy, since legal tender was not loaned [ nor in circulation ] ALLY can not demand payment in any [ particular ] form of coin or currency or legal tender and repayment [ or payment ] need only be made in equivalent kind ; A negotiable instrument. ALLY FINANCIAL has committed embezzlement, theft by deception and extortion failing to discharge all debts pursuant to 73RD CONGRESS. SESS 1. CHS. 48 49. XX/XX/XXXX, XXXX HJR 192 HR 1491 PUBLIC LAW 1 48 STAT 1 PUBLIC LAW 10 CHAPTER 48 STAT 112 PUBLIC LAW 73-10 40 STAT 411 TRADING WITH THE ENEMY ACT ( TWEA ) OCT 6, 1917. After receiving my contract I realized Ive been violated in more than one ways. My car was paid at the time of the transaction via the promissory note as a negotiable instrument. ALLY FINANCIAL never loaned me credit as its stated in the contract. Banks can not lend credit. I have, through research, learned the following to be true and most likely applies to me, which is the reason I have requested and demanded ALLY to validate their claims and produce pursuant to applicable law. ALLY allegedly loaned me their money or creditwhen in reality they deposited ( credited ) my promissory note and used that deposit to pay my seller. I demanded for ALLY to provide me with validation of debt owed by providing documentary evidence of the private and public side of the ledger to show where they loaned anything to me or on my behalf. I have yet to receive the information I requested pursuant to 12 CFR 1026.13 and 15 USC 44. I extended my credit for the transaction and provided my autographs of the promissory note which funded the entire transaction. In the contract it states that I may buy the vehicle for cash or on credit, and I did both. I put a down payment down and purchased on credit which is a violation of 15 USC 1662 ( 2 ) and 15 USC 1605. Pursuant to 15 USC 1605 The finance charge in connection with a consumer credit transaction is the sum of all charges and does not include charges of a type payable in a comparable cash transaction. My car was repossessed XX/XX/XXXX even though ALLY didnt have the right to. There wasnt disclosure in the contract that a third party would be participating in anything dealing with the taken of my car. I have not been notified that my car was sold whatsoever. ALLY FINANCIAL stole my vehicle, promissory note, my tendered payment, and federal reserve notes for alleged car payments. My contract doesnt contain the proper notice pursuant to 16 CFR 433.2. Theres suppose to be consideration on both sides in order for a contract to be valid. I have not received any consideration in this contract and have giving too much for nothing. This is FRAUDULENT and disrespectful to me. This whole ordeal has caused me anxiety, stress, humiliation, sleepless night, my fianc stress while pregnant, loss of wages because of no transportation, and ruined my credit reputation.
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| 03/09/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Ally Financial , Inc. is reporting False in the month of XX/XX/2018. In the month of XX/XX/2018, on my XXXX, XXXX and XXXX credit reports, Ally Financial , Inc. is reporting a 30 day late notification when I have never submitted a payment late. I am consistently asking Ally Financial, Inc for documentation proving I was late, consistently asking the 3 credit bureaus for an investigation and consistently wasting my time. I have written and submitted letters asking to verify the debt lateness and dates of the debt to no avail. My rights have been violated.
THE 3 BUREAUS AND Ally Financial , Inc ARE IN VIOLATION OF MY CONSUMER RIGHTS by NOT providing me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Providing me with the consumer contract would verify this account is reporting WRONG.
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. AND Ally Financial, Inc is also VIOLATING MY RIGHTS. Being ignored and hurting my lending abilities is NOT OK. The credit bureaus sent several letters indicating the account was verified yet NEVER sent evidence indicating the account was late. Its THEIR duty mandated by law, to investigate any dispute sent by consumers. The furnisher never provided any proof to me that that account listed above was reported 100 % accurate.
At this point, I hereby CONDITIONALLY ACCEPT your demand for payment in the above named matter upon your complete and total fulfillment of the following conditions : Condition # 1 : Please provide evidence as to the 30 day lateness on this account.
NOTICE : Contacting me again without first properly documenting that I have any obligation to you or your claimant pertaining to the above referenced account number, after Verifiable Receipt of this Notice of Conditional Acceptance, will establish and constitute that you deliberately intend to use interstate communications in a scheme of fraud by using further threats, intimidations, deceptions and/or enticements to coerce me to commit some act creating a legal obligation and/or XXXX where none exists, previously or presently, as well as constituting that you and/or your firm knew or should have known that by such communication, what you have heretofore attempted to do was, and is, false and therefore unlawful. Moreover, until or unless you have fully satisfied all of my demands and claims as stated herein and previously, as well as provided by numerous laws and regulations, both Federal and State, pertaining to this alleged claim, which the courts and/or others who rely upon such written communication may well judge such acts by you as deliberately intended to impair or damage my credit rating, my reputation, my standing in the community as well as to intentionally inflict financial and emotional harm upon me, and assure you that you do so at your own peril and risk. You have twenty one ( 21 ) days from receipt of this Conditional Acceptance to respond on a point-by- point basis, via sworn Affidavit, under your full commercial liability, signing under penalty of perjury, that the facts contained therein are true, correct and complete, and not misleading in any manner whatsoever. Declarations are an insufficient response, as declarations permit lying by omissions, which no honorable draft may contain. Your failure to accept my Conditional Offer of Settlement by producing each and every requested answer, record and/or documentation, or in the alternative, sending me written withdrawal of your claim, ( summary judgment ), will constitute your stipulation that I have no duty or obligation to any portion of the above aforementioned debt whatsoever, and that you have no right or basis to pursue any further collection. Be advised that notice to any agent in your firm or under your employ regarding this Conditional Offer of Acceptance in considered notice to any and all principals. Further, your failure to fully and completely respond on a point-by-point basis, as well as ANY ACTIVITY by you or your Firm to secure payment with a Writ of Garnishment, before responding to this Conditional Acceptance, shall be deemed as an Agreement with the facts as stated in the attached Affidavit, and shall be further deemed an Automatic Dishonor of this Conditional Acceptance and your Agreement by you and/or your firm to the immediate payment of { {$75000.00} } USD, payable to ME as compensating damages.Signed from without the United States in accordance with 28 U.S.C., Sec. 1746 ( 1 ). All rights are reserved without prejudice, UCC 1-207 and RCW 62A.1-207.
I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on
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| 11/09/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Problem after you declared or threatened to declare bankruptcy
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Web |
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I filed bankruptcy in XX/XX/XXXX as a single filer, my spouse did not file. Ally Financial filed a claim for the full amount of the loan with the courts. At that time they indicated that the amount outstanding was XXXX, with a loan total of over XXXX. which was noted as late charges on our account. ( Since purchasing this vehicle it should also be noted we have had to spend almost XXXX on repairs to the vehicle which were due to know manufacturing defects in this vehicle when sold to us by our dealer and are having these claims investigated and has cause a larger financial strain on us. ) Once the Bankruptcy was filed, the account was shut down online with no access even to my non filing spouse, there were no statements, no verbal communication, or other contact via mail to my non filing spouse. NO payments would be accepted and the auto pay feature that we had set up was shut down so no payments were taken for 10 months. We had been advised by our attorney to set up the auto pay feature to our loan so that they payments would continue, however Ally shut the entire account down. They would not discuss the account due to the claim in the bankruptcy courts and the auto stay.
Fast forward to XX/XX/XXXX, We woke to tail lights in our driveway on XX/XX/XXXX. The were repossessing the vehicle in my husbands name. A phone call was made to ALLY bankruptcy solutions and I requested information as to why the car had been removed from my driveway. I was met with a very rude, and dismissive female by the name of XXXX who advised me that we were 274 days late with payments ( payments they would not allow us to make, or discuss, and had not withdrawn based on the auto pay set up ) I inquired as to why there was no communication of balances dues, statements being sent, no communication related to the non filing spouse my husband. She very rudely and demeaning voice she told me I should consult my attorney because I obviously did not understand the bankruptcy stay rule, and when I pointed to the fact that my husband who was the primary on the account was not the one filing bankruptcy, she advised that the consider the contract as ONE contract, and that because of the bankruptcy stay, that she again told me I must not understand and should contact my attorney about did not enable them to contact, send statements, or take payments from us. The stay on the vehicle was lifted on XX/XX/XXXX per XXXX this is the day they received notification. She stated that her department had attempted to reach my husband regarding the vehicle on two different occasions, however we did not receive the phone calls, and explained to her the phone calls were not received. I inquired as to why they had not sent a letter by regular mail, or certified mail, as they had shut down the account, and not communicated with my husband in any way. She became even more belligerent and yelled at me telling me that I obviously didn't understand the bankruptcy laws on the " stays ' and that it was our tough luck if we didn't get the calls. I advised her I had received a call to me personally, not my husband the night before I made this call to her, but it was an hour prior to their office closing, and they had taken the car before I could even call and inquire about the nature of the call that evening. She again kept being belligerent and rude, offering me no further explanations except that the Bankruptcy Stay did not allow communication with my spouse or myself prior to XX/XX/XXXX and that it was our tough luck. We would have made arrangements to get the payments figured out. We are also having issues with the IRS and they had just levied my husband 's bank account taking all of our money, but we could have had my attorney contact them if we had been given the chance. There was no attempts at rectifying this with us, and no cooperation with them. Without sending statements, shutting our account down, canceling the auto pay feature, and refusing to communicate with us due to the bankruptcy stay, which XXXX made me quite aware that is why they hadn't reached out to my spouse regarding the past due payments, we had no way of making every effort to make right on the past due. It was not communication at least making sure my husband was aware of this lift and could make payment arrangements. This lack of cooperation, and refusal to find a solution to our problem has created greater financial hardships. Also I received a letter indicating that I was represented " pro se '' in my bankruptcy which was not the case at all. I have had attorney representation since the start of my bankruptcy, they even sent a copy of the claim to my attorney with a copy of the contract. Our vehicle is due to be sold on or after XX/XX/XXXX. The have already posted the repossession to my husband 's credit bureau report and indicated that the account was closed. I asked XXXX how we were supposed to make payments, why the account was shut down making it impossible to make payments, and the fact that they were not sending statements to my spouse ( the prime on the loan ) or allowing us to communicate by phone with them and all she kept saying was well you filed bankruptcy, pointing the fact of the Bankruptcy stay, and when I asked her how we were supposed to know that we needed to make things right with them without prior communication, she made it known it pretty much wasn't her problem.
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| 07/17/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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This is a commercial vehicle lease that was paid off in XX/XX/XXXX.
I received a payoff letter on XX/XX/XXXX for which by XXXX XXXX we had paid the vehicle off.
I contacted Ally Financial on XX/XX/XXXX to confirm that it was showing paid off. The customer service agent confirmed it was paid off but told me that because it was a XXXX XXXX it went through another department. She also stated that Ally was undergoing system updates XXXX and they would provide me the lien release on XX/XX/XXXX.
Multiple times throughout XXXX & XXXX myself and 3 other people in my office reached out to Ally regarding the lien release. We were always told that we would receive it via by mail or fax or they would check into it and call us back. They never called back nor did we ever receive the lien release.
I contacted XX/XX/XXXX regarding lien release to see why we hadnt received it. They said they would send the lien release. Never received.
Multiple times at the beginning of XXXX XXXX people from my office tried contacting them and got the same response and never received a call back. By the 3rd call each was hung up on.
I contacted Ally on XX/XX/XXXX and was told they would fax the lien release within 24-48 hours.
I contacted Ally on XX/XX/XXXX and asked for the Supervisor. I spoke with XXXX XXXX ID # XXXX She was helpful in getting information and forwarding me to the correct department. I also received a XXXX # XXXX from her.
I contacted Ally on XX/XX/XXXX and spoke with XXXX in the XXXX XXXX XXXX. He informed me that Ally had switched to a new computer system in XX/XX/XXXX and the file was no longer available on their system. He said he would get his supervisor involved to pull documents needed to clear the title and it could take 5-7 days.
I contacted Ally Remarketing Team on XX/XX/XXXX and spoke with XXXX. Asked for XXXX and was told he was unavailable and would call me back. Never received a call back.
I contacted Ally Remarketing Team on XX/XX/XXXX and spoke with XXXX. He said XXXX was not in the office that day but he would have him call me back. Never received a call back.
I contacted Ally Remarketing Team on XX/XX/XXXX and spoke with XXXX. He said XXXX was in a meeting and he would have him call me back. Never received a call back.
I contacted Ally Remarketing Team the week of XX/XX/XXXX and spoke with XXXX. He was helpful in finding information regarding the vehicle, said he would get with the Supervisor and get something to me regarding the lien release. Never heard back from them.
I contacted Ally Remarketing Team on XX/XX/XXXX and spoke with XXXX. He said he would forward information to his supervisor. I asked to speak with her and was told she was out of the office. I asked for her name and he told me XXXX. Never heard back from them.
I contacted Ally Remarketing Team on XX/XX/XXXX. After being hung up on a couple times without even a hello, once I went through the automated system and got to the department, XXXX finally answered. It was as if they had my phone number down so they knew what call not to answer. I asked to speak with XXXX, the supervisor, and was told she was in a meeting and would call me back. Never received a call back.
I contacted Ally Remarketing Team on XX/XX/XXXX. Again, once I went through the automated system and got to the department, after being hung up on three times without even a hello, XXXX finally answered. I asked to speak with XXXX, the supervisor, and he asked me to hold while he reached her. I was hung up on yet again. Never heard back from them.
I called them back on XX/XX/XXXX using my husband phone and XXXX answered promptly. Asked to speak with XXXX, the supervisor, and was told she was unavailable and would call me back. Never heard back from her.
On XX/XX/XXXX I did receive a call from XXXX asking for the mileage of the vehicle. I informed XXXX of the mileage. XXXX said once he received the information from his supervisor, tomorrow, he would process the lien release.
On XX/XX/XXXX XXXX contacted me. He said he would be emailing me the mileage statement and for me to sign, put the mileage on it and send it back. Once he received it back he would have the company release the title.
On XX/XX/XXXX I received a docu-sign from XXXX. Filled it out and hit finish on the document.
On XX/XX/XXXX I received an email from XXXX with the Bill of Sale & mileage statement for the vehicle.
On XX/XX/XXXX a package was sent from Ally overnight via XXXX to our old address at XXXX XXXX XXXXXXXX XXXX XXXXXXXX, AZ. I had given XXXX XXXX XXXX the new mailing address but apparently this information was not forwarded to XXXX or the department sending out the title.
Sent email to XXXX on XX/XX/XXXX asking if title had been mailed and giving him the new address to send to.
On XX/XX/XXXX I called XXXX inquiring about the title. He confirmed it was sent to the old address. He emailed me the tracking number for XXXX package.
On XX/XX/XXXX XXXX tracking stated it was delayed.
On XX/XX/XXXX XXXX tracking stated it was delayed.
On XX/XX/XXXX XXXX tracking stated it was delayed.
On XX/XX/XXXX I reached out to XXXX to see what the delay was. It was delayed because of the mailing address. I had it held at a XXXX location and picked the title up on XX/XX/XXXX.
On XX/XX/XXXX, 31 months after the vehicle was paid off, I have received what I needed ( the Title ).
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| 04/05/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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XX/XX/XXXX Vehicle XXXX XXXX XXXX purchased with trade in of XXXX XXXX XXXX and pay off of vehicle with same Finance Company Ally Financial.
A week later Document sent from Ally Finance to my residence describing in detail that omissions and inaccuracies were provided by the Dealership in order to secure the loan for this new vehicle. Basically they were defrauded by XXXX XXXX, Followed by a Document the same month XX/XX/XXXX congratulating and thanking me for paying off the previous loan, nearly $ 14k. The Finance percentage increased to nearly 3 times more then the previous loan due to the Dealership Finance department in collusion with Ally Financial. I requested my loan submisission form from both Ally and Dealership within 2 weeks of this notice, both stated they no longer had this form. Ally assured it would be corrected. Never happened.
I continue to make timely payments at {$690.00} a month awaiting for Ally to renegotiate the interest rate and payment. Never happened.
XX/XX/XXXX, I requested to delay my payment due to the Government shutdown. Ally agreed verbally on the phone that I was eligible for a 60 day extension pushing any payments and fees to the end of contract. Regular scheduled payment to be payable on XX/XX/XXXX and that documents would be sent to confirm this agreement. In acuatuality Ally had already initiated a repo order and was reporting this information to the credit reporting agencies.
Within 1 month calls began to come in, sometimes up to 12 calls a day came in to my cell phone from Ally requesting payment. They acknowledged the agreement and the payment plan but were only following up to update system with name, current address and phone number. Calls continued on nearly a daily basis with Voicemails overloading my inbox. All Call logs saved. I returned phone calls and again its stated that it was only to update system with my information.
I forward all calls now to voicemail and inform them to use the other methods of contact, email and home residence. Never happened.
Calls continue with attempts of basic extortion tactics and threats that money needs to be paid to make this stop. Inform them that they must honor the agreement of payment on XX/XX/XXXX. Several amounts differed from one rep to another in the amounts of {$1000.00} to Nearly {$5000.00}. Even though documentation sent from Ally leading up to this point never show those amounts being requested.I stopped answering my phone due to the excessivness of calls and threats.
XX/XX/XXXX thru XX/XX/XXXX A total of 182 phone calls and voicemails documented call logs from Ally Financial from different numbers using several area codes On XX/XX/XXXX I call Ally and ask them why are they not acting in good faith and the threats and excessive calls. The Rep for Ally apologizes but is aware of the agreement but wants money this day. I inform him that I will self surrender the vehicle as that it's apparent they prefer to have the vehicle back before the payment arrangement they offered. I provide an agreed pick up point with the address of car lot. Ally does not retrieve vehicle, Car lot does not want to be liable for any damage. I pick vehicle up after a few days and park vehicle at my residence with unrestricted access for Allys tow contractors to retrieve self surrendered vehicle unimpeded. I again contact Ally Financial provide my name, the vehicle and the self surrender of vehicles location. Nothing.
Ally being noticed of self surrender XX/XX/XXXX, vehicle as of today XX/XX/XXXX has still not been retrieved.
On the date I spoke with Ally reps about not paying the {$5000.00} dollars, the Rep stated that they would initiate a repo order for not paying the nearly {$5000.00}, was asking what kind of condition the vehicle was in and if it was totaled? I said no, it's in perfect shape and still continues to have the full coverage insurance.It should be noted that in early XX/XX/XXXX while they agreed to the 60 day extension to me, they notified the credit reporting agenciesthe same week, dropping my credit score by a 100 points in one months time and continuing to update credit reporting agencies negativity in 4 day increments.
Of 25 months of payments made on time, at {$690.00}. I believe their incentive was to keep delaying correction of the interest and payments.
This vehicle is in New like condition will be sold and refinanced to another person giving their ability to make more money off a vehicle that this Finance company basically been paid nearly $ 14k on a $ XXXX vehicle only to resale it at close to the original selling price.
So here this Vehicle sits in my from yard awaiting Ally to take Action, They were quick to tarnish my credit worthiness when I didn't agree to their threats.
My advice is to save every document, record every discussion, keep a paper trail, you may need it to prove your claim.
I maintained a log from day one of being notified by Allys documentation to me that they were being supplied information that was purposely misleading, ommisions and inaccuracies from the dealership to secure the loan, yet did nothing to correct it.
This sounded like the bank housing crisis from the past where real estate agents and banks were allowing numbers to be manipulated to secure home loans.
What is a consumer to do, where is my protection against these type of tactics?
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| 09/26/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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A common merchant I order from with my Ally bank account was placed on XXXX/XXXX/XXXX. I refunded {$180.00} of product at the 30 day mark via mail. According to that merchants policies, it may take 30 days for the processed return to show. Upon seeing that I was not credited I reached out to the merchant, and they said some banks may take up to 10 days to process. According to both parties, the refund was sent XXXX XXXX XXXX. After reaching out to the merchant, I reached out to my bank and was told multiple different things from many different supervisors. I may have spent a total of 15 hours if not more and multiple phone calls. Including the credit company XXXX, and everyone just kept saying this makes no sense why it was blocked due to fraudulent suspicion. Mind you, this was a credit to my account from regularly used merchant. Customer service was terrible and frustrating and the managers would give me reference numbers that I was later via following up told basically mean nothing. Then again on XX/XX/XXXX beyond frustrated because I have spoken to the merchant I finally did a three-way call with a supervisor who then advised and filed a dispute. As the merchant confirmed to him that it went through. No one seems to be able to understand why it was blocked as fraudulent. It was processed yet Ally bank says it was rejected and they didnt get the funds. Then the dispute was closed after saying I did not follow up after receiving its rejection via mail, which I did not get before it was finalized as rejected and said too many days 60 have passed. Which is far from the case I was within the 60 day range. It also said accommodation could be made if I was on vacation or hospitalized, and I was actually XXXX XXXX and had XXXX done so I sent that information along to the head of the dispute department. If they have truly documented the amount of times that I have spoken to supervisors along with the credit card company. The supervisors one in specific that I physically spoke to who wa supposed to follow up with me did and left me a voicemail to call back. So, yet again, I called back with his name and reference number and was told it was useless, and meant nothing. The first time I reached out was on XX/XX/XXXX and advised to call and file a dispute and at no point from that timeframe until XX/XX/XXXX had any of the supervisors told me to file a dispute and to just keep calling the merchant, thats why I ended up suggesting if we could do a three-way call which I have recorded, although the screen recorded did not save the audio. The dispute was filed for the full amount which was not what I was disputing. It was the {$180.00} credit from that purchases returned items. I kept checking online and most the time the web browser or app wasnt working properly, and I did not receive the letter by mail at an appropriate time. I then received an email from the dispute department, basically telling me that 60 days have passed, and unless I was in the hospital or on vacation which I was XXXX XXXX at that period of time, according to whatever codes that basically, there was nothing they would do for me I was just out the money that they blocked. I may also add that I was told that they dont block credits to accounts yet I have it in writing, because I also spoke with their chat bot. Again terrible customer service. The merchant has confirmed with me multiple times and will not accommodate sending it again because they said it went through and because of the poor customer service which included hours of phone calls one which lasted 3 1/2 hours to the point where my phone couldnt even download it and save it. I was told to wait for the dispute to process, most the time I was unable to login to my account due to whatever errors, and at no point was told I had a five day to respond, and then it was rejected and I didnt even receive the notice it in the mail until they close the dispute. The back-and-forth and not giving me any solution and just contradicting themselves. I had to keep checking the app/web which most the time wasnt working. There should have been nothing fraudulent about crediting me my return from a merchant that again I use regularly. As mentioned I was XXXX not hospitalized, and I had XXXX done within this timeframe and so I sent that information along to the dispute lead, and she just again sent me so sorry we will not refund your money contact the merchant again and I had attached two different times documentation from having to reached out and gotten written emails from the merchant, saying that the money went through to Ally. I do not find this acceptable. I think it is fraudulently irresponsible of all of the supervisors, customer service, call representatives, and of Ally Bank to not take the responsibility to refund me a credit that they said via chat box was blocked and I was also told that they dont block The supervisors one in specific that I physically spoke to who were supposed to follow up with me did and left me a voicemail to call back. So, yet again, I called back with his name and reference number and was told it was useless, and meant nothing. I am completely disgusted with how all of this has been handled and the amount of time that it has consumed of my personal life on top of me dealing with health concerns.
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| 08/25/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem related to refinancing
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Web |
Servicemember |
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PREDATORY LENDING ALLY FINANCIAL Ally Financial XXXX XXXX XXXX XXXX, MN XXXX On XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX for {$45000.00} with a down payment of {$29000.00} and was financed by Ally Auto for {$25000.00}. My payments were {$480.00} a month.
From XXXX XXXX I made either above or {$500.00} a month. The over amount I made equaled 4 months of payments. I was unaware the payments were being made to the interest and not to my monthly payments.
In XXXX and early XXXX of XXXX, I was hit twice in 2 separate accidents ( neither were deemed my fault ) The car was in the body shop until XXXX XXXX. I also contacted XXXX early XXXX then my Husband and daughter also got XXXX, so I was home out of work either XXXX myself then caring for my family then in quarantine. I was unable to make my payments during this time but since I had overpaid every single month, I thought I was ahead of what I owed.
At this time my loan had gone down to {$23000.00} in only 8 months.
I also sent in 2 emails via the online dashboard where I make my payments. In XXXX I attempted to make a payment but since it was less than they said I owed at the time they didnt accept it.
I also attempted to call in to Ally and found out a month later my number was either blocked or always sent to a loop of holds then would hang up.
I also attempted to call in to Ally and found out a month later my number was either blocked or always sent to a loop of holds then would hang up.
My car was in a body shop and finally fixed on XX/XX/XXXX, I paid the {$3000.00} my insurance didnt cover, and I took the car home. On XX/XX/XXXX it was repossessed by Ally.
My car was taken from my apartment complex behind a gated community with no security guard and no permission from my apartment main office to enter. The company is on camera and with an eye witness as to have followed another tenant into the complex.
Per California law : The agency that repossessed your car must give you a Notice of Seizure within 48 hours of repossession. Contact information for the agency that repossessed your car and for your car loan lender ( the legal owner ) must be included on the notice.
The repossession agency must also give you a list ( inventory ) of the personal property that was in your car. Personal property will include items such as car seats, cell phones, and school books, but it wont include car upgrades, such as new rims or an upgraded stereo. Upgrades that you made to the car that are affixed to the car wont be returned separately from the car.
You will have 60 days to collect your personal effects. After 60 days, the personal property you left in the car can be sold. If youre present when the car is being repossessed, you can ask to collect your personal items from the car before its towed.
Youll also get a notice telling you what you can do to have the car returned to you. This usually means making a payment in full.
I received none of these notices and to this day do not know where my car was taken and was never told how to get my stuff back. I had {$4500.00} worth of items in my car.
When I called Ally about my car, I was told I had to call back in 48 hours for info on the car.
I was told the price to get my car back was over {$30000.00}!!! While I waited for the written notice from ally regarding my repo which I never got, I attempted to locate the tow company and was denied all info regarding this.
On XX/XX/XXXX I was told over the phone I had to call from my daughters phone to even get through as they had my # blocked for months. I was told I could not reinstate my loan and had to pay the full amount of {$23000.00}.
I had put down XXXX cash for this car The value of the car was XXXX And I only owed XXXX after they got XXXX more from me in payments plus a XXXX warranty package I paid cash for and was never reimbursed after the repo.
This bank took full advantage and knew the high value of this car and I believe I am a victim of predatory lending.
It gets worse two weeks ago the car was sold ( I received no notice of this ) I only found out when I checked my online dashboard and say the balance owed was XXXX.
So I call in ( using my daughters phone ) on XX/XX/XXXX and was told the car sold for XXXX and my new balance as of the online dashboard was XXXX and they had no intention of sending me a check for the balance they owe me of over {$6000.00} and I had to wait for a check they are probably never sending.
This is 100 % fraud, and I have been taken advantage of and this bank needs to pay me for what they owe me plus my belongings in addition to all payments made and my original XXXX down because they illegally repossessed the car and didnt allow me any of the California protected consumer protections to reinstate my loan.
I am going to file against this company for predatory lending and illegal repo.
I have made complaints with the attorney generals office XXXX XXXX Attorney General Office of the Attorney General XXXX XXXX XXXX XXXX, CA XXXX and the CFPB XXXX XXXX XXXX and DCA DIVISION OF INVESTIGATION HEADQUARTERS XXXX XXXX XXXX XXXX XXXX, CA XXXX AND BUREAU OF SECURITY AND INVESTIGATIVE SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX and Department of Consumer Affairs California
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| 08/14/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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What is this complaint about?
The complaint is against the performance and collection of the company Ally Financial for the purchase of a used XXXX XXXX vehicle, with VIN XXXX and agreement or account number : XXXX.
What kind of problem do you have?
They sent me to a debt collector or Collector, when a previous email had been received from ALLY FIANCIAL where the balance was XXXX and I would only have to wait for the formal letter of the account paid and settled. However, I was reported for bad payment and then sent to a collector without complying with a reasonable time or collection calls, or some different communication of payment. In other words, a letter was received from Ally financial where they explained the surplus that was left after the car was delivered in voluntary return and the sale at an auction that we did not know how it was made. This surplus according to the letter received on XX/XX/XXXX ( the day I arrived at the mailbox ) and dated XX/XX/XXXX, is worth {$3300.00} balance that according to the letter " to obtain more information about this transaction or to make payment arrangements, you can call the phone number listed at the top of this letter or the address. However, on XX/XX/XXXX I was already receiving an alert from XXXX informing about an account with negative information again from Ally Financial reporting to Collector but for {$2500.00}.
What happened?
Call the phone number XXXX as indicated in the only letter that I have received on my behalf from Ally Financial and speak with XXXX XXXX in XXXX, who actually affirmed that I had been sent to a collector and that I should arrange with They, when they did not even give me days to understand where the balance came from or know when and how to pay that supposed debt that was left from the return of the car.
What company is this complaint about?
Ally Financial XXXX. XXXX XXXX XXXX MN XXXX Phone : XXXX More information about it : my roommate who I helped with my credit score to buy his vehicle XXXX XXXX XXXX XXXX, XXXX XXXX, through ALLY financial, in fact before the return of the vehicle that was between the XXXX or the XX/XX/XXXX the payments were made by and all communication was made and received by ALLY financial with XXXX XXXX directly, in turn all emails or calls between Ally Financial were always made with him. I was not even in their phone records, they did not even have a record of my social number, until the end of XX/XX/XXXX when through a denial of federal aid credit for the COVID issue I learned about this whole matter of non-payment and proceeded to call ALLY at XXXX phone numbers : ( XXXX at XXXX at XXXX at XXXX at XXXX at XXXX XXXX at XXXX at XXXX and XXXX ) where none of the people solved anything for me. Also, on XX/XX/XXXX through the email from ALLY FINANCIAL ( XXXX ) announced that the account was paid in full, therefore it would have to wait 7 business days confirming what has already been described ( email attached ).
On XX/XX/XXXX I sent a letter by certified mail to XXXX to appeal this situation and where I explained that since XX/XX/XXXX when the car was taken to be auctioned, ALLY FINANCIAL did not communicate again and when HE called they only told him you had to wait for the auction. Ally Financial also reported me in arrears from XXXX to XX/XX/XXXX damaging my credit history, taking into account that it had been returned at will because the installments could not be paid and even so the car was being used by ALLY FINANCIAL because already It was not a garment in use by HIM From that auction it was never known whether it was public or private or its details.
What was known since XX/XX/XXXX was that there was no balance to pay. However, everything changed on XX/XX/XXXX for a letter dated XX/XX/XXXX and that arrived at the mailbox of the apartment on XX/XX/XXXX where now there is a balance of {$3300.00} and in addition to the days I was transferred to a collector not for that value but for another value {$2500.00}.
To my unpleasant and last surprise on XX/XX/XXXX I see reflected through XXXX that I was again reported in collector for a value of {$2500.00} because ALLY FINANCIAL reported me for a payment that has never been refused to be paid. I am sending this complaint because I am the one who is reported to the collector and I never received any telephone or email communication or any other letter on this matter from ALLY FINANCIAL. When I helped my roommate in the purchase of his vehicle, which was on XX/XX/XXXX, I knew that HE was responsible for the payments and that I would be aware of every communication in this regard and with this I do not mean I do not assume my responsibility of course I do. I do NOT agree with the mismanagement given to this account where the only injured party is me who can not even drive a vehicle due to a physical condition that prevents me, due to XXXX XXXX XXXX as a result of a work accident suffered in this country.
Letter sent to XXXX : XX/XX/XXXX Denial of loan to Federal Government : XX/XX/XXXX Documents you want to include : Payment statements Letter to XXXX Email where ALLY FINANCIAL states that there is no debt.
XXXX from Ally Financial : XXXX XX/XX/XXXX showing a surplus XXXX report with current report
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| 04/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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The week leading up to purchasing my vehicle I was doing online research verifying the make and model car that I wanted. I Discovered a car that I like at XXXX XXXX and I also liked the value they were offering for my trade in vehicle. XX/XX/XXXX th was a Saturday that I had off from work. I Used that time to go to XXXX XXXX and look at the car and maybe test drive it. At this point I still wasnt sure if I wanted to purchase the vehicle or not. Upon entering the showroom, I was approached by a salesman named XXXX XXXX. I told him I was thinking about buying a car and showed him the car I wanted to learn more about. He asked me if I wanted to take it for a ride and I replied sure. He got my drivers license and gave me the keys to the car. I drove up and down the street of the dealership and brought the car back to the dealership. XXXX was awaiting my return. He asked me to sit down at the desk so he could give me more information about the vehicle. He got some basic information from me then XXXX showed me some numbers regarding the price and what it would be monthly. At that point I told him we were way to far off and I didnt want to waste his time. He adjusted the numbers to make them more appealing to me. I told him that we were still to far apart and I didnt want to waste his time. XXXX then asked his manager to come to his desk and he introduced me to his manager. I told the manager my situation and the prices XXXX showed me were not close to what I was willing to spend at the time. The manager told me he could make it work for me and asked what amount of money I would be willing to spend. I avoided telling him a number because again we were to far off on the price. Manager said he had to go check something and came back with a slightly lower number. This happened several times while XXXX and I made small talk about common interests. Eventually the manager came back and started asking me about my trade in. I answered all his questions and he followed with more questions like if I were to lower the price would you be interested etc. I said yes I would be interested if the price made sense with my budget. When he came back again he showed me numbers on a paper regarding my trade in but the numbers were significantly lower than the website told me prior to me going to the dealership. I explained to him that the number for the trade in he showed was a lot lower and he started increasing the trade in price slightly higher than his previous number. This went on for several minutes. After I agreed to a number I would take for my current vehicle he walked away again leaving me and XXXX talking. When manager came back he showed me what he said was his lowest number for the price of the car and the most he could give me for the trade in vehicle. He also showed me a list of banks that I could use for the transaction. At this point I have been at XXXX desk for an hour or more and decided that I would purchase the car. The back and forth continued while gathering bits of information from me upon every time he returned. I did not have the vehicle I was trading in with me so I told him I would have to return the following day to do the transaction. I was told that wouldnt be necessary and to bring the trade in vehicle the following day. For the next hour I was told about extended warranties and gap insurance amongst other things. They showed me my final cost and brought out a contract. After wrapping up the sale XXXX and I went out to the lot where he put temp tags on the new car. XXXX then followed me to my house in the car I just purchased and I drove my work truck home. When we arrived at my house I dropped my truck off and drove XXXX back to the dealership in the car I just purchased from XXXX XXXX The following day I brought the trade in to auto lenders and signed up for extended warranty that was being forced on me to purchase while I was there. That concluded the purchase of the vehicle.
During my transaction with Autolenders liquidaton center I did not receive my full contract disclosures as per Regulation Z, 15 USC 1026.23 Right of rescission & 15 USC 1026.23 ( b ) ( XXXX ) Notice of right to rescind. Not one employee at auto lenders ensured full TILA was disclosed prior to requiring a signature and did not give me any notice regarding my right to rescind. I was not presented with the full TILA disclosure prior to signing any documents. Instead I was rushed and not thoroughly or truthfully informed resulting in me signing a contract I was not fully disclosed on. My credit was run multiple times resulting in lowering my credit score, causing me distress for months. The entire transaction was misrepresented and violates the laws put in place to protect consumers such as myself.
As of XX/XX/23 XXXX XXXX XXXX XXXX and ally bank financial have received my original notice of rescission putting them on notice, a second notice regarding upcoming default due to no response to my affidavit and then as of recently XX/XX/23 they have recieved their default notice for my claim of {$44000.00} USD in damages and violations, and as of XX/XX/23 no action or response has been provided by XXXX XXXX XXXX XXXX or ally bank financial.
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| 11/11/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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My name is XXXX XXXX, and I have been a longtime Ally customer. I have happily referred many friends to Ally, because I believe in the service and value Ally has offered over other banks.
My experiences over the past two months have brought me to a place I never thought I would be : thinking about moving my money elsewhere and discouraging anyone from banking with Ally.
I know you're all incredibly busy, and I so appreciate any time you spend reading this.
On XX/XX/22 we discovered that someone had written fraudulent checks and stolen {$10000.00} from our checking account. We went through the investigation and found that a relative 's savings account at a different institution had been compromised. The criminal transferred all of their funds out and downloaded images of all recently deposited checks. They then started using those images to create fake checks for many of my wife 's relatives. We know three who had a similar situation happen as to what happened to us. This was Ally XXXX # XXXX.
We went through the process of putting restrictions on the compromised checking account with the Loss Prevention Team. We filled out the affidavits, got a police report, and we did everything that was asked of us. Throughout the process, I asked for a call from our investigator. I was told often we would receive one promptly. I have still to this day never talked to an Investigator.
We did eventually get the {$10000.00} back, and the general Loss Prevention Team was able to help me transfer it to our new Checking Account, but we were still told we could not close the comprised account until the investigation was completed. I asked to speak to the investigator, and we did not hear back from them until XX/XX/22 when she left us a voicemail.
My wife and I are both XXXX and young parents, so it is hard for me to pickup during XXXX, but I called less than 40 minutes after the investigator called hoping to speak to her. I called again later that day; left two voicemails and still have never heard back.
That brings us to XXXX. I got an alert that a large transaction had been posted to the compromised account. I was confused since the account was supposed to be restricted. I had to pay fees for checks I wrote from this account that bounced after it was restricted, so I wasn't sure how a large check could even be cashed. This is in reference to Ally Dispute # XXXX.
Someone had written a fraudulent {$8000.00} check to the compromised account, and the money was taken from our Savings Account through an Overdraft Transfer.
I immediately called the Loss Prevention Team, and what they discovered on their end was that without our permission the Investigator, who we have never directly communicated with, had reopened the compromised account and turned on Overdraft Transfer Protection. This was on an account I had wanted to close when this process started and was told I could not!
We were never notified that the compromised account was " turned back on, '' or that Overdraft Transfer Protection was enabled again.
The team at Loss Prevention was kind, the rep I spoke to was empathetic, re-restricted the account, and talked to two levels of supervisors to try to figure out what happened. No one had an explanation, and they all found this quite upsetting. While this was comforting to know that they viewed this as an error Ally caused, it was frustrating to not immediately have my money returned.
It is now XX/XX/XXXX. My wife and I have called the Investigator at least once every three days, left messages for Supervisors, contacted Ally through social media, and called the general fraud line countless times. If you look up our case you will see how often we have contacted them. Everytime we call the general fraud line they confirm that we have turned in all the necessary documents, they are confused why this has taken so long to resolve, and they promise we'll hear back soon.
Often they have been able to get our investigator on the line, who they both present as the person who created the issue that caused the {$8000.00} to be taken by un-restricting the compromised account without our permission, and the only person who can help us. It makes sense why she would not want to talk to us. When they get her on the line they say either she is unable to talk to us, or she promises she will call you today, or call her direct line back in an hour, and she'll update you. We have done all of this to no avail.
My wife and I are now again nervous about our financial stability. The first incident with the {$10000.00} I understood was a fraud that was not our fault or Ally 's. That was resolved in 10 days too.
This time really feels like it was Ally 's fault though. Decisions were made without our permission that caused this to happen, and we have been told that Ally was in error. Yet now we are at 34 days and the {$8000.00} taken has not been returned.
I tonight have no timetable on when our money will be returned or if I will have to go through this whole process again for a mistake that someone at Ally made.
I would love either an e-mail or phone call back ( XXXX ). Thank you so much for your time.
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| 10/21/2023 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
Servicemember |
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This is a lot, so I'll do my best to adequately explain how I feel violated by Ally Financial. I filed foXXXX XXXX XXXX bankruptcy late this summer, which was approved for discharge. I was only able to reaffirm one car, but Ally informed me and my attorney that ( if I continued to make payments ) I could keep the car my daughter is driving ; she's currently in grad school. Shortly after filing bankruptcy, Ally locked us out of paying online. They said it was due to the bankruptcy but also informed me I could pay by phone for a fee and transferred me to their " bankruptcy dept ''. This bankruptcy department was also another company going by the name of XXXX or XXXX ; they continued to call me even during the bankruptcy stay, claiming that, because they were a different company and not Ally ( the creditor ) they could still call me. They would tell me I was behind on payments, which I would explain the situation and how we couldn't pay online or phone to Ally. I was told I would have to pay via phone through them now due to the XXXX XXXX When I tried to pay by phone via them, I was not allowed to- again they stated it was due to the bankruptcy but they could release that hold in 1-2 business days. I called back every 2 days only to get the same runaround ( the hold was still in place but the rep could call a supervisor and get it lifted ) and being kept on hold for hours ; not feasible with a XXXX job. However, we held on to the money owed each month ( 3 months ) so I would have it when I was able to pay somehow. XXXX gave me the same runaround for another month before I got irate and contacted my attorney to let them know of the situation, and told XXXX it's not fair to demand money yet make it impossible for someone to pay. The rep said that's their policy and even seemed shocked ( and disappointed ) when I told them I had the money in escrow to pay them, because I wasn't spending it each month just in case I'd be able to finally pay. I demanded to know how to send the money. They said to send it via XXXX XXXX. When I asked for the details to send it via this highly unusual way to pay a bill, I was placed on hold again for nearly an hour. I was at work and had to hang up while on hold. I visited the Ally website and found an address to send payments to if unable to pay online or by phone ; I sent a check for the past due amount at that time ( {$860.00} ) to this address via certified mail and called the company back to inform them. I was told to call back and provide them with the tracking number, which was on the receipt in my car at the time and I was at work and could not leave. I called back later that day with the tracking number and was transferred and placed on hold multiple times before reaching a rep who first acted as if he couldn't understand the tracking number I was giving him : I had to repeat it slowly several times until frustration led me to ask for a manager. After another long hold, I was transferred again and the rep told me that I'd sent the mail to the wrong address. I asked how was it wrong when it's on the Ally site and was informed that there's no one at the address ; it's just a XXXX XXXX they check every week or so. This was highly confusing and suspicious to me. My attorney also called them and contacted me to let me know of the outcome a couple of days later. I was informed that, after 4 hours, she was able to get in touch with someone at XXXX and could tell by the " beeps '' that more than one person had joined the call. She was finally able to get out of them that they'd already put in a repo order on the vehicle shortly after I filed for bankruptcy and the debt I owed Ally was discharged- way before they even contacted me about money owed. Basically, still trying to collect money from me that was no longer owed when they knew they'd already planned to pick up the vehicle since I hadn't reaffirmed with them. She encouraged me to cancel the check and consider giving back the car. Consequently, I called my bank to put a stop payment on the check and- thank XXXX the mail was delayed when I tracked it before doing so. When XXXX called again about the debt, I informed them of what I'd found out, that I'd stopped payment on the check and I wanted them to pick up the vehicle. The rep 's tone changed to apologetic and cooperative and, after verifying the car was at my address, she told me someone from the repo company would call me beforehand to let me know when they were coming to collect the car. Strangely, I wasn't kept on hold or transferred from dept to dept this time, since I wasn't trying to pay but only wanted them to come pick up their XXXX XXXXXXXX XXXXXXXX XXXX. My attorney tells me I have a case to sue them if I would like, but didn't recommend it because 1 ) it would cost me more than the car 's even worth and 2 ) I no longer owe them money and could just be free and clear of them forever. She advised that Ally has been guilty of these kinds of things in the past, to never do business with them again, and to inform the consumer financial protection agency that they are " up to their old tricks ''. Hence, this report I've just written. Thank you.
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| 04/17/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
Servicemember |
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An auto lease agreement was entered into on XX/XX/XXXX through XX/XX/XXXX between myself and XXXX XXXX, 39 monthly payments at {$550.00}, totaling {$21000.00}, plus $ 31- {$33.00} monthly sales tax when State applicable. This lease was paid in full.
I relocated to XXXX from XXXX in XX/XX/XXXX, and properly notified XXXX XXXX by phone and with a Power of Attorney request faxed to XXXX XXXX in the Retitle Department. On XX/XX/XXXX, XXXX XXXX sent the title to the DMV ( XXXX, XXXX ) via XXXX.
In XX/XX/XXXX, now residing in Maryland, I was notified by the DMV that XXXX County Department of Tax Administration ( FCDTA ) had a registration hold on my account for unpaid property taxes. I called FCDTA and was directed to contact the lienholder, XXXX.
Initially, Ally Financial ( formerly XXXX ), claim it had not received notification that the vehicle was moved to another state, or a tax bill from FCDTA due its address change and/or relocation of its XXXX, MD, headquarters to XXXX, Michigan.
I re-contacted FCDTA on XX/XX/XXXX, and XXXX XXXX, supervisor, reconfirmed that XXXX failed to pay the taxes, and as a result, {$350.00} in penalties, interest and collection fees had been assessed. A copy of the correspondences with XXXX XXXX was faxed to XXXX XXXX, and upon realizing XXXX error, she removed the registration hold and collections report with the credit bureaus. She also said she would contact Ally for payment.
I called Ally and advised that the vehicle had been retitled in XXXX, and tax bill remain delinquent. The representative informed that a speeding ticket paid on my behalf would appear on the next billing statement. The license plate number did not match mine, and was issued by a state I had not visited. I explained I had not received any traffic citations, and requested a copy of the violation and tax bill with proof of payment. The documents were to arrive in 3-5 business days, but never did.
Numerous calls and requests to escalate the matter to executive support for assistance were made, and a letter was also sent regarding the mishandling of my account and erroneous billing. Ally responded with a list of E-85 stations in Georgia, where I no longer resided, instead of Maryland ( originally requested in XXXX ), and a copy of my recent billing statement, not requested. Ally was extremely disorganized while merging its departments, operations, and offices with XXXX. I submitted the dispute via the XXXX in XX/XX/XXXX, and only then did Ally send a copy of the tax bill, citation, and a duplicate of the E-85 stations in Georgia.
The tax bill ( stamped received by Ally on XX/XX/XXXX ) included the late payment penalty, {$280.00}, interest {$15.00}, and collection fee, {$50.00}, Ally had long denied. According to XXXX XXXX XXXX, the account was cancelled out on XX/XX/XXXX and returned to the County of XXXX, unpaid.
The citation tuned out to be a photo enforcement ticket issued by the District of Columbia ( DC ), which Ally paid on XX/XX/XXXX, not in XX/XX/XXXX, and {$50.00} not {$100.00} as it claimed, according to DC-DMV record. The Lease Agreement allowed 15 days to pay or contest charges for fines placed on the vehicle once notified. The information originally provided by Ally had no connection with my SUV, and notification for a second photo enforcement ticket issued by the same authority on XX/XX/XXXX, was sent two months later, see attached letter. Ally attempted to collect {$250.00} on XX/XX/XXXX, which I learned from DC DMV was originally {$120.00}, and that the {$250.00} Ally paid on XX/XX/XXXX included a {$120.00} late fee assessed in XX/XX/XXXX.
The erroneous billing and promises to provide documentation for charges was ongoing, which the company failed to correct as promised. In XX/XX/XXXX, Ally billed {$300.00} miscellaneous fee and {$190.00} photo summons. After a lengthy research period, in XX/XX/XXXX, Ally advised that {$280.00}, not {$300.00}, was the remaining balance from the property taxes. I paid {$280.00} on XX/XX/XXXX, and after my last lease payment ( ended XX/XX/XXXX ), the company advised of a final amount due of {$420.00}, which I paid on XX/XX/XXXX.
A notice dated XX/XX/XXXX indicated a balance of {$2200.00}. Upon contacting Ally, I was told that {$1700.00} remained on the property tax bill and {$460.00} for summons.
I have no legal obligation to pay {$350.00} in penalties, interests, and collection fees that were assessed by COF as a result of XXXX/Allys negligence ; {$280.00} in late fees due to Allys negligence to give property notification on citations ; or demand for payment of {$1400.00} it has been either unable or unwilling to explain. I have repeatedly asked for a printout of my account, letter acknowledging receipt of the XX/XX/XXXX and XX/XX/XXXX payments, totaling {$700.00}, and copies of all photo enforcement citations to no avail. Not attempt has been made by this company to resolve my concerns, as it claims in its responses. I have only received incorrect information from customer service representatives, and acts of retaliation. Ally has not honored any of my requests to speak directly with someone in is executive office.
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| 03/22/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem making or receiving payments
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Web |
Servicemember |
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On XX/XX/XXXX at XXXX XXXX my sister ( an Ally Financial Account holder ) sent me {$100.00} USD via Ally Bank 's website using the " XXXX XXXX XXXX XXXX '' feature. I received both an XXXX message and an email stating that the funds were sent to me.
I have used XXXX in the past and usually receive payment within 1-3 days. After 12 days I became concern since I am also an Ally Financial account holder and it seemed strange to me that it would take longer than a few days to transfer money from one Ally account to another Ally account. I called Ally on XX/XX/XXXX, XXXX XXXX in regards to the missing funds. I was told by an Ally representative that it could take up 14 days for the funds to transfer and that she couldn't help me unless I had my sister on a conference call so that she could look up both of our accounts. She also stated that I should call XXXX for more information.
On XX/XX/XXXX at XXXX XXXX I called XXXX in regards to the missing funds. I was told by their representative that the funds was completed on XX/XX/XXXX. The representative did mention that I had two XXXX accounts, one with the stand alone XXXX XXXX, and another with Ally Bank. I was told that the funds were sent to the XXXX XXXX which was tied to an Ally debit card. To prevent any future confusion he stated that he would deactivate the stand alone XXXX account and the only account I would have active would be the one with my Ally account. I informed the representative that the debit card I had attached to the XXXX XXXX was canceled in XX/XX/XXXX. The representative said that if the card was cancelled then Ally would have the funds and I would need to call them.
On XX/XX/XXXX at XXXX XXXX I called Ally on a conference call with my sister. The Ally representative was able to look up both my sister and my account and confirm that the money had been removed from my sisters account, and never refunded. She also verified that my account had never received the funds. I informed the agent that XXXX stated the funds went to an Ally debit card that had been cancelled. The Ally representative stated, that the payment would have automatically declined and the funds would have been rejected and refunded back to the original sender. The representative stated that it could take up to 14 days and so I should wait 14 days for the funds to be refunded.
On XX/XX/XXXX my sister called Ally in regards to the missing funds. She was told they had sent me the funds and to check with me. I did not receive the funds.
On XX/XX/XXXX at XXXX XXXX I called Ally in regards to the missing funds. The Ally representative confirmed that the funds had never been sent to me but could not help me any further unless I had my sister on a conference call so that she could look up her information.
On XX/XX/XXXX at XXXX XXXX I called Ally on a conference call with my sister. I spoke with a supervisor for Ally name XXXX, who was able to look up both my sister and my account and confirm that the money had been removed from my sisters account, and never refunded. She also verified that my account had never received the funds. XXXX then informed me that the funds had been sent to a non Ally account and that I would have to speak to my other bank. I informed XXXX that I had no other bank and that the other XXXX account she was referring to was sent to an Ally debit card that had been canceled in XX/XX/XXXX. I requested that we conference in XXXX so that she could confirm for herself.
On XX/XX/XXXX at XXXX I called XXXX on a conference call with my sister and Ally representative XXXX . We spoke with Consumer Fraud Specialist, XXXX. XXXX informed us that the XXXX payment was completed on XX/XX/XXXX and sent to an Ally debit card ending in XXXX. XXXX looked up the account history my previous debit card ending in XXXX and informed XXXX that she had no history to that card since it was cancelled back in XX/XX/XXXX. Both XXXX and XXXX stated that they would escalate the matter within their respective companies and would get back with me in 3 to 5 business days.
On XX/XX/XXXX at XXXX XXXX I called XXXX and spoke with XXXX representative XXXX. XXXX stated that XXXX was out of the office but that he would look into the matter and would call back as soon as they had an answer.
On XX/XX/XXXX at XXXX XXXX I called Ally and spoke with Ally representative XXXX at the XXXX Contact center. He informed me that Ally had sent me a letter via US mail and to check my mail. I asked him what it was and while he did not go into specifics he did mention that more than likely I would have to speak to my other bank which would have receive the funds. I informed XXXX that I did not have any other bank and that he was probably referring to the fact that the transfer got sent to a separate XXXX account that was not tied to my Ally account number, but rather an old Ally debit card. He stated that he would make a note and my file and would inform the person investigating my account.
It has been 48 days since my sister initiated payment to me. I have not received the funds nor has my sister been refunded. I would like this matter resolved immediately.
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| 11/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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This is a complaint arising under Sections 5 ( a ), 5 ( m ), 13 ( b ), and 16 ( a ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ), 45 ( m ) ( 1 ) ( A ), 53 ( b ), and 56 ( a ) ; the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681-1681x ; and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p, to obtain monetary civil penalties, a permanent injunction, restitution, disgorgement, and other equitable relief for the Defendants violations of the FCRA, the FDCPA, and Section 5 of the FTC Act.
XXXX provides consumer personal credit reports to regional and national credit grantors, attempting to issue both commercial and consumer credit. XXXX regularly furnishes consumer credit reports to Creditors electronically. XXXX is an entity who regularly and in the ordinary course of business furnishes information to one or more Creditors about its transactions or experiences with its consumers. XXXX routinely receives complaints from consumers who claim they do not owe the debt.
In numerous instances, I have notified XXXX at the address specified for such disputes that XXXX is reporting inaccurate information concerning my consumer credit. As a victim of identity theft and the XXXX Data Breach I expect the information in my consumer report to be accurate and my disputes taken seriously. XXXX has continued to report inaccurate information to the Creditors even after receiving such notice and accompanying proof. In numerous instances, I have disputed the information appearing on my consumer credit report in writing to XXXX reporting the information. XXXX receives most notices of disputes from a consumer in electronic format, through automated consumer dispute verification ( ACDV ) forms provided on DEFENDANTS website.
Pursuant to Section 623 ( b ) ( 1 ) of the FCRA, XXXX, as a furnisher of information to the Creditors, is required to conduct an investigation of the disputed information upon receipt of a notice of dispute from a Consumer. For certain types of disputes, such as those where the consumer claims the account is not his or hers or belongs to someone with a similar name, it is XXXX XXXX policy and practice only to compare the name, social security number, date of birth, and address in XXXX XXXX computer database with the information provided on ACDV forms. Where three of the four items match, XXXX will report to the Consumer that it has verified the information it furnished as accurate. It is XXXX XXXX policy that only after the consumer has alleged the same type of account inaccuracy more than four times will the matter become assigned to a supervisor to do further investigation. Because XXXX collects accounts that are often old, information in its computer files may not be accurate for a variety of reasons, including incorrect updating of addresses, errors in recording names and information, and problems with the original Creditors records.
In disputes involving identity theft or fraud allegations, XXXX XXXX policies provide that if the existing account codes and notes in its records do not contain any reference to a prior claim of fraud, XXXX will verify the previously reported information without conducting any investigation prior to such verification.
In numerous instances, despite written or oral notification from consumers disputing the accuracy or completeness of alleged debts, Defendant XXXX continued to furnish the information to the Creditors without communicating that the information was disputed by the consumer.
Section 623 ( a ) of the FCRA describes the duties of furnishers to provide accurate information to Creditors. Section 623 ( a ) ( 1 ) ( B ) prohibits furnishers from providing information relating to a consumer to any Creditor if i. the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ii. the information is, in fact, inaccurate.
In numerous instances, I have contacted Defendant XXXX at the address specified by XXXX to dispute information about them furnished by XXXX to a Creditor and to notify XXXX that the information is inaccurate.
In numerous instances, I have also provided information such as the consumers drivers license, social security number, and/or proof of residence to confirm my identity.
The acts and practices alleged above constitute violations of Section 623 ( a ) ( 1 ) ( B ) of the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). Pursuant to Section 621 ( a ) ( 1 ) of the FCRA, 15 U.S.C. 1681s ( a ) ( 1 ), the acts and practices alleged above also constitute unfair or deceptive acts or practices in violation of Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ).
This creditor is also a furnisher of inaccurate credit information and is just as liable as XXXX. A recorded statement from XXXX states that this creditor is the one responsible for removing this information from my credit report. As it currently stands they have not validated or verified the accuracy of this inquiry. They also failed to remove the inquire from my credit report after the two year statute of limitation.
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| 04/13/2021 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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Web |
Servicemember |
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On XX/XX/2021, I was informed formally by Ally that a checking account I had for almost 10 years was closed. During that span I've had as much as {$50000.00} in the account. At the time the account was closed, I had a balance of over {$12000.00}. Ally had provided no concrete explanation of why the account was closed other than " based on recent activity your checking and savings account will end this relationship ''. They not only closed my personal checking account, but also 3 minor savings accounts which belonged to my daughters. My childrens accounts have little if any activity going on in their accounts with balances between {$300.00} and $ 4,000+. The only issue may have been that my name was on it as a custodian. In my personal checking account which was closed, the only unusual activity was the fact that I made a dispute of 2 charges of {$9.00} a piece. Based on the Consumer Fair Credit Act, I have the legal right to dispute charges on my account. Over the past 2 years I have made no deposits that were returned NSF, nor have I overdrawn my account. My monthly acitivity is roughly 20 transactions a month. I have 3 direct deposits month, one from Social Security and two from Illinois Department of Employment Security. I first became aware that my account had been frozen on XX/XX/XXXX when I tried to make a purchase at a fast food resturant. I was told my account was closed on XX/XX/XXXX when I called to inquire why my card was declined. Even though I was told it was closed on XX/XX/XXXX, there were other transactions that happened in my account, including one deposit and 6+ withdrawls. I was told that a letter had been sent out to me on XX/XX/XXXX. To tell you the truth, I had been told by more than one representative over the next several days that a letter was sent out explaining to me why the account was closed. Those statements were blantantly false. I only received an email dated XX/XX/XXXX stating that the account had been closed on XX/XX/XXXX. The letter they claim was mailed out to me would have the information on why my account was closed was never received by me via USPS. Only the XX/XX/XXXX email alluded to the fact that they did not like the way I handled my affairs. On XX/XX/XXXX I again contacted Ally and was eventually was told that no letter had ever been mailed to me. He then informed me that an internal email was sent out to me on XX/XX/XXXX, something that no other representative had informed me of the pending closure of my account. To get to this email, I need to click on Tasks, then click on More Tasks, then click on Notices before I could then view the notice they sent me of the impending closure that was supposed to take place on XX/XX/XXXX but did not happen until XX/XX/XXXX. They really hide this notice very well. Ally provides no indication that there was an email that I need to search for. I only became aware of that notice after several calls with Ally, no one told me of that notice until my phone call to Ally on XX/XX/XXXX. Ally supposedly gave me a 2 week warning before the account would be closed, which actually did not happen until 26 days after supposed notice. I found out that it takes 6 weeks for Social Security to update and switch over my direct deposits. On XX/XX/XXXX, my Ally account accepted a direct deposit from the Social Security Administration. After seeing that they accepted my SSA deposit, I made an e-deposit into my Ally account on XX/XX/XXXX because it appeared my account was still active. Ally accepted the deposit and stated they would notify me whether or not the deposit was accepted. No email was ever sent to me either way on the status of this deposit. When I talked to the representative on XX/XX/XXXX, he could find no records of that deposit being accepted or rejected. I would like to know what happened to my money because it was not returned to me when they closed out my account. The information provided to me by several different representatives has been very inconsistent. I was told several times that an explanation letter had been sent out to me which they could not discuss. On the afternoon of XX/XX/XXXX I spoke with a representative and was told a supervisor would call me back. She did at XXXX XXXX CST while I was in the shower. I asked her to call me back in 3 minutes. She did not return the call until XXXX XXXX. By then I had gone out for dinner. I called back the next day and talked with a different supervisor. He told me they would review the situation and would call me back within 3 business days. I received no such phone call. When I called on XX/XX/XXXX, that reprsentative said he saw no notes that anyone would get back to me. When I call Ally, the recording tells me that these calls are recorded for my protection. I would like these phone calls pulled out to substantuate my claims on how Ally misinformed me on the status of my account. On XX/XX/XXXX I received a notice from XXXX that my payment from my Ally account was rejected. On XX/XX/XXXX Ally paid out 2 other charges of {$260.00} and {$100.00}, and one check for {$280.00}.
|
| 02/20/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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Ok. The issue is that this company has not been charging the amount of interest monthly that it was agreed since the beggining of the loan back in XXXX when it began, so the total amount for the loan was originally for {$27000.00} for a total amount of 72 months at an interest rate of 13.55 %. and I had paid {>= $1,000,000} in total payments and they say that I still so up till this day the say I own {$7000.00} cents, and that I have 14 payments left from a total of 72 payments, from which I had made according to them 58 payments, which is not including the extra {$5100.00} only for principal payments that I had sent to them in separate checks besides my montly payments so that my remaining principal balance can go down, from before doing this extra payments I made sure I called them and I spoke on the phone with the representative and make them assure me that the extra cash payment ( besides my montly payment included on the side ) was only going to go to the remaining principal balance from the car, and they always agreed on the phone that it was all going to go for the remaining balance since I was also paying the monthly loan amount for that time with the interest they charge separate, it was not until later I went and I check my account and I saw that they always took certain amount from my lump sum payments that we agreed on was only to go for principal so when I called to dispute this with them they say that they were sorry for that error and they were going to send a message to the head department and get back at me, which they never did, then I called back again and still, they told me that they charged the interest for the payment in advance for my next payments, so I was like what!!! so I told them basically the do whatever they decide and do whatever they think is the interest or fee charging me for the month. I had noted that they charged back in XXXX XXXX XX/XX/XXXX AND XX/XX/XXXX, more than two months just the entire amount agreed monthly of {$550.00}, THE ENTIRE AMOUNT WAS PUT TO FINANCE CHARGES ONLY AND NOTHING, NOTHING TO MY MONTHLY PRINCIPAL BALANCE! THEN XX/XX/XXXX, THEN XX/XX/XXXX THE THAT SAME YEAR IN THEN XX/XX/XXXX THEY CHARGE {$430.00} ONLY FOR FINANCE CHARGES FOR THEM AND FOR MY BALANCE ONLY {$120.00}, ALSO I NOTICED THAT LETS SAY ONE MONTH THEYLL CHARGE {$300.00} FOR FINANCE, THE NEXT MONTH THEYLL CHARGE {$400.00} AND THE NEXT MONTH LETS SAY {$210.00} FOR EXAMPLE. THEN I MADE BACK IN XX/XX/XXXX A PAYMENT ON {$2500.00}, I HAD SENT TWO SEAPARATE CHECKS ONE FOR {$2000.00} AND ONE FOR THE MONTHLY PAYMENT {$550.00} AND I HAD TOLD THEM AHEAD OF TIME THAT THE {$2000.00} WAS FOR PRINICIPAL ONLY, LIKE THE ALSO ANOTHE TWO MORE LUMP AMOUNT PAYMENTS OF {$2000.00} IN THIS PAST XX/XX/XXXX AND OF {$1100.00} ON XX/XX/XXXX AND ALSO I HAD PAID THE MONTLY AMOUNT FOR THSI REASON THEY WONT TAKE ANY MONEY FROM MY LUMP PAYMENT AND MY REMAINING PRINCIPAL BALANCE WILL GO DOWN AND IT DIDNT BECASUE THEY TOOK {$290.00} FROM THE {$2000.00} AND ONLY PUT TO MY REMAINING BALANCE A TOTAL OF {$1700.00} AND FORM THE {$1100.00}. XXXX CHECK THEY ALSO TOOK FROM THERE THE AMOUNT OF {$260.00} CENTS PUTTING ONLY {$830.00} TO MY REMANING BALANCE, BESIDES ME MAKING AND ALREADY PAYING FOR MY MONTHLY PAYMENT AND THE SUBSEQUENT INTEREST THEY CHARGE MONTHLY. PLEASE BE AWARE ALL THIS WAS DONE IN THE SAME PAST MONTH OF XXXX AND CALLED A FEW TIMES ABOUT THIS ISSUE AND THEY DIDNT RESOLVE IT AND SAID THAT THEY WERE SORRY FOR THAT AND THEY WERE GOING TO FIX IT AND GET BACK AT ME, AND IM STILL WAITING, ALSO I HAD TOLD THEM THAT I NEEDED THEM TO MAIL ME A FULL STATEMENT OF MY MONTHLY PAYMENTS SINCE BEGGINIGN AND GIVING ME RUN AROUDN THEN WHEN I WENT ONLINE I COULDNT ACCESS MY ACCOUNT IN LIKE 2 DAYS AND I WAS NEVER ABLE TO SEE THE SPLIT FEES THEY WERE ALWAYS CHARGING BECAUSE EVERTIME THE SEND ME A PAPER STATEMENT NOTIFICATION OR I WENT ONLINE I WAS NEVER ABLE TO SEE HOW MUCH OF MY MONTHLY AMOUNT I WAS PAYING FOR FINANCE AND PRINCIPAL, THEY NEVER SEND AN ENTIRE DISPLAY OF THE SPLITTING OF HOW MUCH FINANCE I WAS BEING CHARGED PER THAT MONTH ( WHICH THEY CHANGED CONSTANTLY EVERY MONTH THEY DID, IT WAS NEVER A SPECIFIC AMOUNT IT WENT FORM AS LOW AS {$86.00} MONTH TO CHARGING THE ENTIRE MONTLHY AMOUNT OF {$550.00} ONLY TO FINANCE, NOTHING TO PRINCIPAL!!!!! NO WONDER WHY I NEVER GET TO SEE MY LOAN GOING DOWN. SO LETS SAY IF THE TOTAL THAT I WAS SUPPOSED TO PAY THEM FOR 72 MONTHS AT A 13.55 % RATE FOR A LOAN AMOUNT OF {$27000.00}, FROM WHICH I HAD MADE MORE THAN 58 PAYMENTS AND I HAVE 14 PAYMENTS LEFT, I ALREADY PAID ACCORDING TO THEM {$32000.00}, SO I ONLY OWE THEM {$7000.00}, AND IF I ALWAYS PAD MY LOAN EVEYR MONTH, WHERE DID THE LUMP SUMS OF {$5100.00} I HAD PAID SEPARATE BESIDES MY MONTHLY PAYMENT SO MY PRINICIPAL CAN GO DOWN, WHERE DID THAT MONEY GO AND WHY IF I ALREADY MADE 58 PAYMENTS OF {$550.00} BESIDES THE {$5100.00} ( {$2000.00} check, XXXX XXXXcheck and {$1100.00} ), IM STILL OWING THEM THE SAME AMOUNT OF {$7000.00}, SO WHERE DID THE {$5100.00} SEPARATE LUMP SUM PAYMENTS GO.
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| 03/22/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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Date : XX/XX/XXXX To : Ally Financial Services XXXX XXXX XXXX XXXX, XXXX XXXX STATEMENT OF TRUTH Dear Sir/Madam : I have been unsuccessful in my attempts to get this resolved. I Have spoken with customer support on XX/XX/XXXX. ( XXXX different Representatives ) over the phone and sent certified mail to the bill payment center of which an representative ( XXXX XXXX XXXX confirmed receipt of my correspondence. I was told I would get a call back regarding the Payment Form ( 1099A ) that was received. It was first sent post-marked on XX/XX/XXXX. And then subsequently sent certified Return Receipt Mail XX/XX/XXXX. ( Received XX/XX/XXXX confirmed via XXXX TRACKING ). Along with a letter of explanation and the Payment form ( 1099A ) that was accepted by the Internal Revenue Service on XX/XX/XXXX for payment of the total balance at the time of submission ( XX/XX/XXXX ) ( XXXX amount ) ( {$26000.00} ) and the Payment coupon from the billing statement for XXXX ( {$1300.00} ). This agreement has been satisfied per UCC code as paid in full.
My account was put on XXXX XXXX, after payment agreement to extend my payments pending XXXX payments to be completed ( XXXX XXXX, XXXX XXXX ). This notification was not received by me until the XXXX. And stated, I can send via cashiers check, certified check, money gram, XXXX XXXX, or send a money order. It gave no other information. I later found out, through calling customer service, I had to apply a code for XXXX XXXX and moneygram. I left messages for the fraud department, ( XXXX ) with no return call.
I have made several calls for weeks, on the phone for hours on hold with no results. XXXX payments have been made in XXXX : XXXX, XXXX via Bank Bill Pay from my XXXX XXXX account $ XXXX ( confirmation # XXXX ) that was rejected and not accredited to my account. Of which I was told takes 14 days to be returned, with no one to confirm via phone to have knowledge of when this was done. It was not clear that Bank Bill Pay was not considered a cashiers check an Equivalent of a Cashiers Check XX/XX/XXXX via XXXX ( I requested XXXX XXXX, and the agent gave me this instead ) {$670.00} ( Reference # XXXX, Reciept # XXXX ) This payment has been noted as seen in the system, yet not accredited to my account.
I am seeking XXXX for this to be resolved.
XXXX This has brought me humiliation and embarrassment, having to constantly call and repeat my information and inhibit my ability to work at my job, on the phone for hours daily and weekly on hold and or with customer service whom do not know the nature of my call or can not connect me to the proper departmentsBeing treated like a criminal, when no XXXX has been committed by me. Forced to pay for money services, when I have been paying with my bank account since the open of my account with Ally. I have never missed a payment-prior.
XXXX I was not able to keep my payment agreement for my extension request on XXXX XXXX. It has now been cancelled because payments didnt apply XXXX XXXX department, refused to help and assists me when they could have resolved the pending payments, and allow these payments to be allocated to my account as was given.
XXXX To take payments, and not accredit them to my account, then hold them, without returning them is not agreeable to our contract and thus is deemed as fraudulent on by Ally when not allocating those funds to my account. Depriving me of keeping to my agreement, with no grounds on why, with no merit of explanation of documented agreement or contract.
XXXX Payments be accredited to account, until Ally returns payments to be returned via the ways described in the letter XXXX Ally to let me know when funds will be returned ( date, confirmation # ) XXXX It is Fraudulent to not apply funds paid on my account, and then send letters of repossession for nonpayment, as I received on XX/XX/XXXX XXXX Show me Documentation, the Contract Agreement that clearly states, I can not Furnish a XXXX to absolve this debt and Cancel it through this process.
XXXX Ally policies are for Ally, not the consumer holding the contract. Ally must still abide by XXXX XXXX XXXX, which XXXX, Ally internal policies.
XXXX XXXX request to be removed off the Fraud Alert, as no fraud was committed or proof thereof XXXX XXXX of all Documents, if were deemed invalid, and not accepted, Yet Ally didnt return these documents to me. It is my understanding that there is an intent use them as given ( for payment ), if not returned, which makes them valid. ( when not returned ) 31- Copy of the signed original Agreement by both parties. I do not have a signed 2 Party Contract from XXXXwhich means we have no agreement. XXXX law states an agreement is between 2 parties that sign to validate the agreement. Yet I have none.
32- Stop Cease and Desists this activity against my account in retaliation for the above aforementioned Debt cancellation 1099A form of which was accepted for payment by the IRS on XX/XX/XXXX.
I am requesting remedy for this issue to be resolved on my behalf.
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| 04/21/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
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I added my husband to my Ally checking which I opened in XXXXaccount around XX/XX/XXXX at which time we completed all required forms online, submitted scanned signature cards, and requested for a debit card for him and new checks with both our names.
On XXXX my husband started new job, we contacted bank to confirm he was added to account as we had not received confirmation it had been completed so he could set up direct deposit with new employer to Ally. Ally confirmed he was on the account and we received confirmation the following day although we were told maximum time would be 2 days to add him. He also inquired about the status of his debit card and was told it was on order and to expect the card within 10 business days.
XX/XX/XXXX my husband contacted customer service, advised them we received new checks but card still had not arrived. He was told to give it a few more days as it had not been 10 business days since he spoke with customer service on XXXX when it was ordered, although we had elected this option mid XXXX.
XX/XX/XXXX my husband called customer service again was told ro give it a the card a couple more days to arrive as postal service was experiencing delays.
XX/XX/XXXX my husband called customer service advising he still had not received card, they advised it must have been lost in mail and they re-ordered new card and was canceling orginal card and expediting and would be here via XXXX within 4 business days.
XXXX my husband called customer service advising he had not the received card, was told card was made but not shipped for some reason and another expedited card was being shipped.
XXXX my husband called customer service was told again card had been made but not shipped and another card would be expedited.
XX/XX/XXXX my husband went out of town on business for 3 days, gave him my debit card XXXX proceeded to set up XXXX XXXX on my phone with my debit card information in case I needed to access funds while he was away. I was advised by XXXX XXXX that I needed to contact bank as they could not verify my account. Starting at XXXX XXXX I tried calling customer service from my cell number and kept getting routed to Ally Auto financing ( I do not have a loan in my name but my husband does ) and if I tried to get to banking my only option was to open an account. Using the chat function, I contacted customer service where it took approximately 20 minutes to get an agent and get a response and kept getting transferred from one agent to another. It was not till XXXX pm did I get an agent to respond that she couldn't do the verification but would need to call customer service and request to talk to their technical department. I explained the situation with phone, she stayed connected to chat and eventually after calling 8 times, getting 3 different voice prompts when I called, she told me to select open an account and tell the agent the issue. Once I got someone on the phone ( about 10 minutes ), I was transferred to technically support where I waited another XXXX minutes. At this point it was around XXXX pm and was told that " some '' customers were experiencing similar issues when calling customer service and it had been reported but no ETA on the fix. I also also told that Ally had a software upgrade at least a week prior and third party wallets such as XXXX XXXX and XXXX XXXX were not working and there was no ETA on that fix either. I reached back to the agent on chat and advised her what I had been told and she had no idea there were any system issues and thanked me for letting her know. As of XX/XX/XXXX XXXX XXXX is still unable to verify my account.
XX/XX/XXXX when my husband called customer service and asked for a supervisor as he still had not received a debit card, promised it would be sent, that it was not generating a card, but assures us it would be shipped and offered to send tracking which we never received.
XX/XX/XXXX My husband contacted customer service, the agent informed him it had shipped but couldn't provide tracking and which time he requested a supervisor again. Supervisor advised that no card had ever been ordered or shipped and he was expediting another card and assured him it would go out and that Ally had experienced a security breach but did not believe this was a result of this breach but due to technical issues with new vendor and the ordering process. My husband advised him he didn't know who to believe and was very angry about all the lies. He asked for his supervisor and was told he would put in the request to have them contact him in the next XXXX business days. At this time he put me on the phone with the agent and I advised I would notifying proper authorities as well as the local XXXX XXXX to investigate what was going on.
Again, we've been told another card has been ordered and the fastest they can expedite is XXXX business days.
When I opened my account in XXXX, XXXX I had to call and request a card 2 times before I got one as well and given similar run around.
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| 02/28/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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On XX/XX/XXXX I purchased a brand new XXXX XXXX XXXX from XXXX XXXX here in XXXX Arizona. The financing was supposedly through XXXX XXXX or XXXX XXXX. On XX/XX/XXXX XXXX XXXX calls me down to disclose XXXX XXXX had denied my loan as well as XXXX XXXX and XXXX XXXX XXXX XXXX. Any who, XXXX finally end up with Ally Financial On XX/XX/XXXX as my financer. On XX/XX/XXXX I paid {$500.00} to cover first month payment so I assumed that {$500.00} would now transfer to Ally Since thats where I got the loan. My first actual payment was due on XX/XX/XXXX. I had already set up auto pay with ALLY on XX/XX/XXXX Once XX/XX/XXXX come I receive email confirmation that my full payment of {$500.00} has been received and paid. Later, on XX/XX/XXXX I receive harassing phone calls from Ally Stating I still owe my {$500.00}. Ally also threatens me with repo. I had explained that I set up auto pay and have already made payment on the XXXX as well as I have the confirmation to prove it. They stated that, that email means my payment is processing and did not go through. They also try to get me to make my payment of XXXX again over the phone with a debit card that charges another {$8.00} fee to run my card. All they want is money. I did NOT receive any email, confirmation, or notification that my payment was denied, declined, or did NOT go through. I only have confirmation payment went through. So then on XX/XX/XXXX I make yet another payment for {$500.00} and the email confirmation process is the exact same as my first payment made on the XXXX. So if the first email confirmation means Payment processing ( which is false because it does not say that ) well how come I didnt receive other emails when the Payment Clears. When I ask these questions the representatives they sit in silence. There are no answers. So at this point an time I have paid Over {$1500.00} to this company and my screenshot from ALLY shows that only 1 payment of {$500.00} has been received and of that {$500.00}, {$440.00} was taken out Ally Finance charges and only {$59.00} had been applied to the principle of my loan. Still have no answers from them on where my other {$1000.00} went and I have receipts/confirmation of them.
At this point and time I start to do more research and I find that they reported to the credit bureaus that I opened my account on XX/XX/XXXX. That is false it would be XX/XX/XXXX. I also see they didnt do an initial pull on my credit to qualify me for this loan according to XXXX. I believe they are attempting to charge me interest back to that date but not sure. I also never signed or agreed to Allys Privacy policy as they share/sell my information to affiliates and NON AFFILIATES. They stated I have the option to opt out I never signed, stated, or agreed to be opted in To begin with. Since this loan I now receive random phone calls from unknown numbers and robo calls. Also their customer service is horrible and I found out they are located in the XXXX as they barley speak good English. This is a conflict of business due to the fact they cant understand me and I have a hard time understanding them. Also this company only has emails, phone numbers, and P.O boxes. Why doesnt this XXXX XXXX XXXX have any physical locations and operate out of the United States? There is no transparency and this makes sense because they are taking peoples money and cant be found anywhere. Also to find out I have a very low credit score and this bank never verified my income or occupation they just gave me the loan. I see they are being investigated for auto loan fraud and credit reporting fraud Also they showed and stated what the APR rate for this loan was and in fine print is talks about how the APR is applied but nothing about the interest rate. I forgot to mention that on one of my 6 phone calls I have made to ALLY since XX/XX/XXXX I demanded to speak with a manager and they kept passing me down the line to other customer service reps and then finally to the consumer relations department. Never got me a manager. Finally the man by the name of XXXX in their consumer relations department set up a call back for a supervisor to call me and stated it would take 24-48 hours. To this day I never received a call. I then called on XX/XX/XXXX asking why I never received that call and ALLY stated THEY DID NOT HAVE MY PHONE NUMBER. This company gave me an auto loan and stated they dont have my phone number, as well they did not verify my income or occupation. I feel Im being targeted based on my poor credit and they are falsifying documents to make me pay more money. I went back to XXXX XXXX Where they set me up with this company and they dont care to help me at all. There are so many questions and nothing is being done. I am clearly part of fraud and as I look more online every customer with ALLY experiences the exact same problem. How many rules and laws can this company violate before something is done about it? Please help I have no other resources or money to go about this company on my own.
|
| 03/01/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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All powers of attorney have been terminated for this contract. I give Ally Financial permission to move forward with this complaint.
I purchased a vehicle in XXXX and signed a XXXX XXXX XXXX which is now know to me to be a Negotiable Instrument. This Instrument states that it is a credit sale. The instruments provided at the signing, including the buyers order, were intended to fully satisfy the claim of debt. I was told to sign on an electronic pad which prevented me from properly indorsing the instrument ( XXXX ).
I have asked Ally on numerous occasions throughout XXXX, XXXX, and XXXX whose credit was lent for this transaction, or alternately, if Ally had lended me money from its own general funds, to provide that accounting to show this. To the best of my knowledge, Ally did not give ANY valuable consideration in this transaction.
I made " payments '' to the account due to the extortionate means Ally uses to threaten theft of property and defamation of character if I didn't. I did this to have clean hands in the matter while ordering Ally for the documentary evidence, which Ally never provided.
When asked to give documentary evidence for the accounting Ally has repeatedly retaliated and restricted the account and how payment " must '' be made.
As a result of Ally 's extortionate means I sent a payment using a postal money order. I followed the directions on the back of the monthly statement which says " You may send other messaged to XXXX XXXX XXXX, XXXX MN XXXX. Please also use this address if... you are sending a payment that is less than the amount we say you owe, but that you want us to treat as fully satisfying your debt. '' Ally responded with a form letter, unsigned by anyone stating that Ally will not accept my money order as payment on the account. Ally proceeded to send me a copy of the money order but did not return the money order or post it to the account. This is theft. Under UCC 3-603 ( b ) " If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is DISCHARGE, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. '' Since this money order was tendered for {$720000.00}, the amount discharged is {$7200.00}. This is a BREECH of Agreement and BREECH of Fiduciary Duties, and BREECH of Trust.
Ally'XXXX XXXX shows Ally is selling " debt Securities '' off my Social Security Number without giving any consideration to me, and never gave me full disclosure. It was NOT my INTENT whenI opened the account to UNDERWRITE SECURITIES! This is breech of Trust and Breech of Agreement.
I have also since learned that as a man, who can not be a " person '' is not authorized to use Federal Reserve Notes and to do so is a crime of Impersonation and Counterfeiting.
I have sent Ally notice that I am unable to pay with Federal Reserve Notes as they request due to the facts that : 1. Whereas Federal Reserve Notes are a debt instrument and one can not pay any debt with a debt 2. Whereas Federal Reserve Notes have only one authorized use " Federal reserve notes, to be issued at the discretion of the Board of Governors of the Federal Reserve System for the purpose of making advances to Federal reserve banks through the Federal reserve agents as hereinafter set forth and for no other purpose, are authorized '' 3. Whereas Article 1 section 8 Clause 1 dictates that, Congress shall ... Pay the Debts ; and, 4. Whereas Article I, Section 8, Clause 5 grants, Congress shall have Powerto coin Money, regulate the Value thereof... and Section 10 sates, no stateshall make any Thing but gold and silver Coin a Tender in Payment of Debts. ; and, 5. Whereas in the United States, legal tender is statutorily defined as all coins and currency issued by the United States Treasury or the Federal Reserve System, including fiat money coins and notes but this definition exceeds Congresss power under the Constitution; and 6. Whereas existing legal tender law ( 31 U.S.C. 5103 ), first passed in 1862, declares Federal Reserve Notes to be legal tender but, such notes are not legal tender in the constitutional sense, because they are fiat money and bills of credit ( no longer backed by gold since 1933 ), which the Constitution forbids ( Article 1 Section 10 ) ; and, 7. Whereas according to the statutes and rules that govern the Federal Reserve System, bills and other certificates of indebtedness are obligation of the United States ( 18 USC 8 ) and as a non-citizen, non-resident, non-federal reserve agent, non-federal reserve bank Affirmant is not authorized to pay using the Federal Reserve System ( 12 USC 411 ).
Ally must prove that I, as a live man, has any ability to pay under the law, and that I actually have a lawfully owed debt by showing me all documentary evidence.
|
| 12/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Notice to repossess
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|
Web |
Servicemember |
|
This is a notification that my account is supposed to be in a disputed status and no actions should've been taken that affected the aggrieved party until matters were resolved. Yesterday, my vehicle was wrongfully possessed, firstly under a breach of peace, and secondly because I'm currently disputing the issues with the Executive Customer Relations team. XXXX XXXX - XXXX EXT XXXX, XXXX - XXXX EXT XXXX.
I sent notarized correspondences to the CEO XXXX XXXX, Indentured Trustee XXXX XXXX of XXXX XXXX, Owner Trustee XXXX XXXX of XXXX XXXX, as well as the Legal Department. All correspondences were sent via Certified Mail, including a security which was sent Registered Mail. That information is included in the attachments.
Ally is in violation of the following codes : UCC 1-609 : Right to Adequate Assurance of Due Performance UCC 1-304 : Obligation of Good Faith UCC 3-604 ( a ) : Discharge by cancellation or renunciation UCC 3-305 : Defense for recoupment UCC 3-306 : Claims for recoupment 15 USC 1693 : Can not demand payment in any specific coins or currency of the U.S.
15 USC 1692e : False and misleading representations Fair Debt Collections Practices Act 16 CFR 433.1 - Preservation of Consumers ' Claims and Defenses Amongst these violations, Ally also has fraudulently concealed material information and is denying full disclosure of my justified concerns according to Federal Reserve publications, USC definitions regarding money and the nature and transparent definition of deposits. My defense to their claims that I owed any money was that the promissory note has actual value, whereas their credits for funding the alleged " loan '' is in question.
In 2021, re : Ally Financial Inc. v. Haskins, Ally had paid a $ XXXX settlement on a class action lawsuit, regarding wrongful possession practices of customer vehicles, stemming from not following the provisions in the Uniform Commercial Codes. This circumstance is no different, and I am hereby making notice that Ally and all affiliates to this transaction are co-conspirators in these violations and may be assessed as such.
I have filed a UCC-1 Financing Statement showing that I have a public notice of an ongoing interest in this instrument, which is my collateral of which Ally has never provided equal value or consideration, and has operated under extortion, fraud, and misrepresentation. The public notice is sufficient to show the following : a ) I am the debtor. Which means I have an interest in the collateral, and I have sold Ally the promissory note. UCC 9-102 ( 28 ) b ) Ally is the Secured Party . To whom a promissory has been sold UCC 9-102 ( 73 ) ( D ) c ) My collateral, the Promissory Note, was sold to Ally UCC 9-102 ( 12 ) d ) I am due the proceeds of my collateral. Either the Promissory already paid for the vehicle, or Ally must prove that they provided funding, and from which source. UCC 9-102 ( 64 ) Again, because Ally is still in violation of not providing Adequate Assurance of Due Performance by concealing and ignoring my justifiable concerns, they must return my vehicle until the matters have been settled. The grounds by which they may attempt to claim possession of my vehicle will be based on the premise that I have not paid the account over the past 3 or 4 months. Therefore, they would claim I have no financial receipts evidencing a public interest in the vehicle or the instrument. Yet that is inherently false. The UCC-1 filing shows that I have an ongoing interest in the instrument under a " Seller/Buyer '' designation, and Ally has to prove that they have paid me the value of the Note that I submitted, and from what source.
Additionally, Ally has restricted my account over the past 4 months, demanding only certified funds be collected. In the documents included, you will see that I submitted an inquiry asking what laws, statutes, codes, or contractual agreement gave them the right to demand that. The only response they gave was that the Fraud Department determined this. After calling the Fraud Department, they said they have no substantial reason to determine such policy. That call is recorded and I have the records of those. These alterations of terms and creating policies that neither honor the Uniform Commercial Codes and spite the customers who inquire about such policies in good faith is egregious and must be addressed.
My claim is in Recoupment UCC 3-305/3-306. ALLY must repay me my value in which I negotiated, and in which is being portrayed as a loan. The Federal Accounting Standards provide guidance to whether my instrument was sold off to be securitized, in which case I'm no longer liable, or if it's still on the liabilities side of the book in an off balance-sheet entry on the ledgers.
ALLY MUST RETURN MY VEHICLE UNTIL OUR MATTERS ARE SETTLED, I WILL PAY THE FULL AMOUNT TO DATE AS LONG AS THEY AGREE TO CONTINUE THE COURSE OF ARBITRATION/LITIGATION/ADJUDICATION/SETTLEMENT.
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| 09/04/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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FTC REPORT NUMBER - XXXX attorney General complaint number - XXXX Agreement # : XXXX VIN XXXX after thoroughly reading through the " agreement '' it appears that this is indeed the security interest that was fraudulently given to " ally Financial '' because XXXX XXXX assigned it to them without recourse. Also I was also unaware of this swap when I was purchasing the vehicle, and was never told or made aware of these disclosure. Full disclosure being one of the main things in contract law. here are actually 8 things needed in order for a contract to be legitimate. pursuant to Law merchant and negotiable instruments law.
pursuant to 15 USC 1692g - debt validation, I the natural person and federally protected consumer would like to know who the original creditor is of this alleged debt. pursuant to 15 USC 1692g, after requesting the name of the original creditor you must cease all collection activities, including but not limited to, verification of this debt and or a judgement. this must be mailed to me the natural person and consumer.
any and all payments made or sent out to this company must be IMMEDIATELY sent back to me the natural persona and federally protected consumer, at the address XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX also pursuant to 15 USC 1692 ( c ) - admission of liability, " The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. '' 15 USC 1605- Accepting cash down payment also pursuant to 15 USC 1605 - determination of a finance charge, the dealership d/b/a XXXX XXXX took a down payment of {$3000.00} from the consumer, when it clearly states that any transaction that is an extension of consumer credit is suppose to be 100 percent In credit. it can not be a mix of credit and cash. This must be sent back to my address at your earliest convenience, via check, I will be filing a complaint with the attorney general pertaining to the fraud that has transpired with this transaction.
15 USC 1605 - Details Finance charge defined Intrest Service charge or carrying charge Loan fee, finders fee or similar charge Fee for investigation or credit report Premium or other charge for guarantee or insurance protecting the creditor against the obligors default or other credit loss Gap insurance or regular insurance pursuant to the Supreme Court case " fraud vitiates the most solemn contract, documents, and even judgements '' [ U.S. v. Throckmorton, 98 US 61 pg. 65 ] 42. ) A consumer contract is not sufficient evidence of a debt [ Pacific concrete F.C.U. v. Kaunanoe 62 HAW 334, 614, p.2d 936 ( XXXX ) ] 15 USC 1681o - civil liability for negligent noncompliance 15 USC 1681n - Civil Liability for willful noncompliance 15 USC 1611 - Criminal liability for willful and knowing violation 12 USC 411 - everything isa government obligation 12 USC 83 - Banks can not lend their own money 18 USC 8 - Obligation or other security of the United States defined 31 USC 1602- you can discharge all debts and tender of payment does not have to be illegal tender UCC 3-104 - explains what a negotiable instrument is UCC 3-311- Explains what satisfaction by use of instrument is UCC 3-602- explain what a payment is UCC 3-603 - explains what tender of payment is 1681b ( a ) ( 2 ) - no consent to furnish any of my private information 15 USC 1666b - timing of payments 15 USC 1692 ( c ) ( a ) - no prior consent was given to this debt collector 15 USC 1692d- definition of the word consumer 15 USC 1692e- False and misleading representation 15 USC 1692 ( a ) ( 4 ) - Definition of a creditor 15 USC 1692e - False and deceptive information ( 15 USC 1692 D 2 ) - Obscene & Profane language Right of Rescission ( 15 use 1635 A ) was missing in the contract 100, and I was never told of my right to remind my consumer liability.
this federal law states that two times the finance charge must be paid if it is found that the corporation is in violation of this federal statute, federal codified law.
Pursuant to 15 USC 1640 ( 2 ) ( A ) ( i )- which states " in the case of an individual action twice the amount of any finance charge in connection with the transaction, " also in 15 USC 1640 ( a ) ( 1 ) - which states " any actual damage sustained by such person as a result of the failure ; " the truth in lending act, Regulation Z, states clearly that the cost of how much the credit will cost me must be on the contract that I sign and ready to be read and comprehended by anyone reading said contract. It also states in the United States Manual styles that " anything in box on any form, is in reality not on that form '' so the truth in lending act may seem to be upheld in the contract, however, after careful scrutiny only the fallacy of the information is really being agreed upon.
also I entered into this contract with bonafide XXXX faith, that there would be an even exchange of goods.
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| 03/27/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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this is a continuation of complaint id XXXX against ally bank as of XX/XX/2022, Ally Bank and its trustees has been in receipt of certified mail receipt number # XXXX, titled UCC 9-210 REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT.
Ally Bank is now in violation of UCC 9-210, they have failed to comply with there duties as follows ; 9-209. DUTIES OF SECURED PARTY IF ACCOUNT DEBTOR HAS BEEN NOTIFIED OF ASSIGNMENT.
( a ) [ Applicability of section. ] Except as otherwise provided in subsection ( c ), this section applies if : ( 1 ) there is no outstanding secured obligation; and ( 2 ) the secured party is not committed to make advances, incur obligations, or otherwise give value.
( b ) [ Duties of secured party after receiving demand from debtor. ] Within 10 days after receiving an authenticated demand by the debtor, a secured party shall send to an account debtor that has received notification of an assignment to the secured party as assignee under Section 9-406 ( a ) an authenticated record that releases the account debtor from any further obligation to the secured party.
( c ) [ Inapplicability to sales. ] This section does not apply to an assignment constituting the sale of an account, chattel paper, or payment intangible.
ALLY BANK IS NOW CIVILLY LIABLE TO ME PURSUANT TO : UCC 9-625 CLAIM OF RELIEF PURSUANT TO : 9-625. REMEDIES FOR SECURED PARTYS FAILURE TO COMPLY WITH ARTICLE.
( a ) [ Judicial orders concerning noncompliance. ] If it is established that a secured party is not proceeding in accordance with this article, a court may order or restrain collection, enforcement, or disposition of collateral on appropriate terms and conditions.
( b ) [ Damages for noncompliance. ] Subject to subsections ( c ), ( d ), and ( f ), a person is liable for damages in the amount of any loss caused by a failure to comply with this article. Loss caused by a failure to comply may include loss resulting from the debtor 's inability to obtain, or increased costs of, alternative financing.
( c ) [ Persons entitled to recover damages ; statutory damages in consumer-goods transaction. ] Except as otherwise provided in Section 9-628 : ( 1 ) a person that, at the time of the failure, was a debtor, was an obligor, or held a security interest in or other lien on the collateral may recover damages under subsection ( b ) for its loss; and ( 2 ) if the collateral is consumer goods, a person that was a debtor or a secondary obligor at the time a secured party failed to comply with this part may recover for that failure in any event an amount not less than the credit service charge plus 10 percent of the principal amount of the obligation or the time-price differential plus 10 percent of the cash price.
( d ) [ Recovery when deficiency eliminated or reduced. ] A debtor whose deficiency is eliminated under Section 9-626 may recover damages for the loss of any surplus. However, a debtor or secondary obligor whose deficiency is eliminated or reduced under Section 9-626 may not otherwise recover under subsection ( b ) for noncompliance with the provisions of this part relating to collection, enforcement, disposition, or acceptance.
( e ) [ Statutory damages : noncompliance with specified provisions. ] In addition to any damages recoverable under subsection ( b ), the debtor, consumer obligor, or person named as a debtor in a filed record, as applicable, may recover {$500.00} in each case from a person that : ( 1 ) fails to comply with Section 9-208 ; ( 2 ) fails to comply with Section 9-209 ; ( 3 ) files a record that the person is not entitled to file under Section 9-509 ( a ) ; ( 4 ) fails to cause the secured party of record to file or send a termination statement as required by Section 9-513 ( a ) or ( c ) ; ( 5 ) fails to comply with Section 9-616 ( b ) ( 1 ) and whose failure is part of a pattern, or consistent with a practice, of noncompliance ; or ( 6 ) fails to comply with Section 9-616 ( b ) ( 2 ).
( f ) [ Statutory damages : noncompliance with Section 9-210. ] A debtor or consumer obligor may recover damages under subsection ( b ) and, in addition, {$500.00} in each case from a person that, without reasonable cause, fails to comply with a request under Section 9-210. A recipient of a request under Section 9-210 which never claimed an interest in the collateral or obligations that are the subject of a request under that section has a reasonable excuse for failure to comply with the request within the meaning of this subsection.
( g ) [ Limitation of security interest : noncompliance with Section 9-210. ] If a secured party fails to comply with a request regarding a list of collateral or a statement of account under Section 9-210, the secured party may claim a security interest only as shown in the list or statement included in the request as against a person that is reasonably misled by the failure.
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| 08/02/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Changes in terms mid-deal or after closing
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Web |
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On XX/XX/XXXX around XXXX I traded in my XXXX XXXX XXXX ( about XXXX miles ) at a tent sale in XXXX XXXX FL XXXX It was conducted thru XXXX XXXX XXXX based out of XXXX, FL. It was the last day of the sale. They were offering me a XXXX XXXX XXXX with about XXXX miles. They originally offered me $ XXXX for my vehicle, then $ XXXX, but then later said they liquidated the price so much they could only offer $ XXXX. I was told the original price for the XXXX was $ XXXX, but since it was the last day and wanting to secure the trade they lowered the price to $ XXXX. This was handwritten on a plain piece of white paper. Then it had my trade in value of $ XXXX written down. They would also throw in a 30 day warranty, cover all XXXX fees, and a $ XXXX cash rebate. My calculation was then $ XXXX minus & $ XXXX is roughly $ XXXX $ XXXX since I knew there are taxes and fees. Sounded good, I physically signed this handwritten white paper. After waiting awhile my salesman XXXX returned with a tablet and said this is the paperwork electronically, just tap here. And continued thru each page saying tap here. I received the completed paperwork the next afternoon ( XX/XX/XXXX at XXXX ) and it says my loan is for $ XXXX. Those numbers dont add up. It says I purchased the vehicle for $ XXXX. I certainly did not agree to that! The vehicle is not worth that either. I tried calling the dealership immediately. I either want the paperwork corrected to the original offer or I will bring the vehicle back and get my old car, essentially cancelling everything out. The operator directs the call to a full voicemail and if you call back doesnt even say hello and directs to that voicemail continuously. By choosing out of state I was able to be directed to an actual person who got me connected. They then told me they cant find that original paper I mentioned and the loan is done and everything is completed. Absolutely disgusting they can just do that to a person. Im sure they do it a lot and take advantage of everything electronic and just going tap here. Especially since I only dealt directly with XXXX, but his name is not in the paperwork at all, someone else is listed. We attempted to contact XXXX who gave us his number that night, but once he found out it was about an issue he no longer responds either. So glad they felt the need to scam a single mom with her toddler.
I filed a complaint with the XXXX on XX/XX/XXXX and then was contacted XX/XX/XXXX by XXXX to explain the numbers. He told me I must have misheard because the $ XXXX was the price after all the discounts. I would have never agreed to the other amounts, the vehicle is not worth more than $ XXXX. XXXX then had someone in the XXXX XXXX contact me. He explained how they got their numbers. I mustve been mistaken about the numbers I was originally told. I continue to state I would never have agreed to those numbers as the vehicle is not worth {$24000.00}. XXXX person states yes it is. He told me I can come to the dealership and trade it in for a different vehicle for lower payments. The handwritten paper is still lost. I was able to get the XXXX paperwork messaged to me at least after being told I would get it. Now I was able to see it had damage but no accident reported. On XX/XX/XXXX I went to multiple other dealerships local to me and the highest trade-in value I was given was {$15000.00}. Which I agree the vehicle is worth, and about what I expected my loan to be for. I have updated my complaint on XX/XX/XXXX with this information. Ive attempted to contact the dealership, but I get no response. I tried sending a message to their website and was texted by 4 different sales people, but when I state my message is about a supervisor request for a sale I am ignored again. I am willing XXXX XXXX to them if guaranteed a vehicle switch to my original trade-in or the cash/check value of my trade in ( $ XXXX ). I can not make payments and I will be at a loss. Ive attempted to contact Ally bank, who the loan is thru. They originally told me to contact XXXX XXXX, who then informed me they would never get my information because they didnt finance it. Ally bank continues to tell me to contact the dealership or XXXX XXXX. My next step will be to tell them I can not afford payments. The dealership got their scam money and dont seem to care about their victims.
Now on XX/XX/XXXX I updated the XXXX complaint again since Ive received no responses still. I have now begun to receive loan denials from multiple agencies that denied the loan request due to the vehicle/product not being worth the amount.
I am highly doubtful I will receive resolution as I see multiple complaints with the loan information changed as well. Or even the {$2000.00} rebate that I was told Id get, which I later found out was just added to my loan.
This whole situation has begun to make me physically ill. And I see no solution at this point.
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| 01/08/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
Older American, Servicemember |
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NEW AND DIFFERENT COMPLAINT AGAINST ALLY FINANCIAL INC .
WHERE ALLY FINANCIAL INC., HAS WILLFULLY REPORTING FRAUDULENT INFORMATION TO THE XXXX CREDIT REPORTING AGENCY TO BE RECORDED ON MY CREDIT BUREAU FILE.
Per the attached PDF file, is a copy of my credit bureau file as reported by XXXX Credit Report Bureau.
Ally Financial on XX/XX/XXXX reported Pays as Agreed and whereby of 81 months payment history, states NO derogatory for the last 81 month payment history. Months reviewed to be 41 months. Exhibit ( One ). Date of First Delinquency non reported nor date of major delinquency first reported. In other words the account had no reported delinquencies from onset of lease to end of lease in XX/XX/XXXX.
Ally Financial on XX/XX/XXXX reported Pays as Agreed and whereby the 81 months payment history states NO derogatory for the last 81 month payment history. Months reviewed to be 42 months. Exhibit ( Two ). Date of First Delinquency non reported nor date of major delinquency first reported. In other words the account had no reported delinquencies from onset of lease to end of lease in XX/XX/XXXX.
Ally Financial on XX/XX/XXXX reported CHARGE OFF and whereby the 81 months payment history states NO derogatory for the last 81 month payment history. Months reviewed to be 43 months. NO reported delinquencies from onset of lease to end of lease in XX/XX/XXXX after 43 month review by ALLY Financial. Exhibit ( Three ).
Term of Lease, 36 months XX/XX/XXXX ending XX/XX/XXXX, the vehicle was returned to the dealer on XX/XX/XXXX after being advised by ALLY Financial on instructions to prepare to return vehicle. Knowing for the forthcoming XXXX Holidays that I would be out of town, I chose to return vehicle on XX/XX/XXXX. My final lease payment was made. In good standing as reported.
My final lease payment was recorded by ALLY Financial on XX/XX/XXXX and the vehicle was turned in the following day. ALLY financial has reported to my credit bureau agency file, that I was in good standing.
On XX/XX/XXXX Ally Financial reported a fraudulent CHARGE OFF and reported date of first delinquency XX/XX/XXXX in the amount of {$3100.00} and Date Major Delinquency XX/XX/XXXX Whereas, Ally Financial on XX/XX/XXXX reported Pays as Agreed and whereby the 81 months payment history states NO derogatory for the last 81 month payment history. Months reviewed of 41 months and Ally Financial on XX/XX/XXXX reported Pays as Agreed and whereby the 81 months payment history states NO derogatory for the last 81 month payment history. Months reviewed to be 42 months.
If the DEBT WAS VALID, ALLY Financial would have violated and to failed comply with the FEDERAL TRUTH AND LENDING Laws and delinquency aging of accounts before Charge off. XX/XX/XXXX Delinquency : 1 29 days, XX/XX/XXXX 30 59 days, XX/XX/XXXX 60 89 days, XX/XX/XXXX 90 119 days, XX/XX/XXXX 120-179 days, XX/XX/XXXX 180 days 80 days delinquent is required to declare my alleged account as being charged-off. Not XX/XX/XXXX The Truth in Lending Act ( TILA ) protects a consumer against inaccurate and unfair credit billing and credit card practices. Your credit report affects a consumers ability to get a loan as well as the interest rate you will be required to pay. Congress has passed credit reporting legislation to give a consumer access to their credit information and to protect a consumer from unfair, fraudulent, or deceptive credit practices Ally Financial Inc., is willfully reporting fraudulent information to XXXX Credit Reporting Agency, XXXX Credit Bureau and XXXX Credit Bureau reported to my credit bureau files as the balance that was charged off. I also filed complaints to the CFPB under # s XXXX and XXXX, as ALLY failed to prove the balance owed. Ally Financial violated their own terms and conditions of the lease agreement under Section 8 for billings. I was never billed under Section 8 for any excessive mileage charges when lease was terminated in XX/XX/XXXX, as prescribed in section of the lease agreement. Their charge off amount is Ambiguous and Fraudulent.
Ally Financial Inc., is in violation of their own lease agreement and where I have complied with their terms and agreement of the lease agreement. I paid every month on the lease agreement for 36 months. I never have been billed under Section 8 as required under the lease agreement for excess mileage on an annual basis.
Ally Financial Inc., must report the true facts of my payment history and prove the alleged debt under section 8 of the lease agreement as no such billings as in penalties for excess mileage as required on a annual basis that each year where the mileage excess 12, 000 miles. There is no valid charge off under the terms and conditions of the lease agreement and must be sanctioned for such consumer protection violations as I never have been billed under Section 8 as required under the lease agreement.
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| 11/08/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Credit denial
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Web |
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On XX/XX/XXXX approximately XXXXXXXX XXXX. Eastern standard time I went into XXXX XXXX XXXX located at XXXX XXXX XXXX XXXXXXXX, NY XXXX. I was greeted by a sales representative that goes by the name of XXXX, I then told him that I would like to apply to finance a vehicle under my business with a commercial financing application. I then told XXXX that I would like to go through Ally financial because I've been hearing good things about that company helping small businesses acquire their first vehicle.
Instead of submitting the application XXXX began to pre-screen me. He asked that I ever purchased anything with my business before, he asked do I know what's on my business credit, he asked what type of trade references are on my business credit. I figured that was weird because that's something that he could actually input my business information into the computer and find out but I felt as if I was being profiled before I was given the opportunity to actually check my credit. I told him several times to just check my credit and that I do not want to put any money down and he said okay sit in my office, then made me wait and I believe they were hoping I would get tired of waiting and just leave.
I went to sit down at XXXX 's desk and he said he was going to the finance department. XXXX did not at any point hand me the application that I requested. Instead he went to the finance department and came back and told me that he can not run my application because the banks were closed, the bank that I asked for ally financial was not closed because I took the initiative and called and the representative said that they were still open the business department however closed at XXXX XXXX. Central standard Time and because I was in Eastern time I still had literally an hour prior to them making me wait to even give me an application. XXXX said I should leave a deposit and they will do it tomorrow, but I had already Expressed to XXXX that I did not want to put any money down. Please keep in mind that this dealership closes at XXXXXXXX XXXX and the bank that I wanted to submit my application to was not closed. XXXX said that's what he was told by his finance XXXX I then began to express how I felt that I was being discriminated against and being profiled before I even got the chance to fill out the application and that they lied about the bank being closed because the bank was clearly open as well as their dealership. I asked for the finance XXXX name and XXXX did not want to give it to me. I was treated so poorly.
XXXX assured me that was not the case and that he's only transferring information that he was told, I did repeat my concerns again and then he gave me the application to fill out. During that whole time I asked XXXX for the name of his finance manager he would not give it to me, no one wanted to give me any information about who gave me the information that the bank was closed. I overheard a man talking about me over the phone to someone stating that I wanted to purchase a vehicle under my business. The whole time he was talking on the phone they made me wait at least XXXX minutes before running my application at all. I physically had to take my own application to the finance office and force them to submit a credit app for me ( it is all on camera ). I'm not sure if this is how I was supposed to be treated but I know it did not feel like I was supposed to be treated. I later found out that the finance XXXX name is XXXX they did not give me any last name. After waiting all that time when they could have easily submitted my credit application as soon as I walked into the door the bank eventually ended up being closed and when they submitted my application it came back with a denial with inaccurate company information logged on the denial. I was assured by the finance XXXX that he would submit my application the very next day the very next morning, but that also was a lie. I waited for a phone call from the finance XXXX the following day which would be XX/XX/XXXX and I did not receive a call when I called into XXXX I was told that the finance XXXX was off for the day and that he is always off on those days. Which he already knew before he told me that he would submit the application at the top of the morning to a live representative, so he lied about that as wel.l So not only was I profile as soon as I got there, I was lied to, and was discriminated against and I do believe that this denial was given to me because they did not simply want me as a customer. They lied about running the application to an actual bank representative the next day XXXX knew that he would not be working the next day. I let them know that I will be filing a complaint against their company for the XXXX profiling and economic discrimination. I would like to move as forward as I could with this claim they made me feel like XXXX.
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| 10/26/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
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Web |
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Correspondence sent to XXXX at her request, through the dealership, XXXX XXXX XXXX XXXX, Colorado ( buying dealership. ) I am writing in regard to a concerning phone call I just received from XXXX XXXX, a dealership in XXXX, Colorado that agreed to purchase my vehicle, a XXXX XXXX XXXX.
I leased that vehicle and due to our current economic situation, which includes furloughs at my employer, I made the difficult decision to sell the vehicle.
I attempted to contact Ally Financial and speak with a live person, but unfortunately your company had extreme hold times and I was unable to speak with a person. As a result, I used your automated system to obtain the payoff amount ( also referred to as a buyout quote ) and sale price of {$25000.00}, which I confirmed by going to Ally.com, as shown : XXXX attached to original email I subsequently provided this information to XXXX XXXX who agreed to purchase the vehicle for {$26000.00} which I agreed to.
Colorado law allows for lease buyouts through a licensed dealer and there is no stipulation for different sale prices for the lessee or purchasing dealership. A single price is offered and communicated in both the Ally SmartLease document I signed as well as Ally 's website. I attached relevant screenshots to the original email.
I'm confused why, in the second week of XXXX, Ally/XXXX has chosen to try and add an ADDITIONAL cost of {$590.00}, without notice, without lawful disclosure, per Colorado Revised Statutes, and during these unprecedented times where the trend from ethical companies is to support their customers!
From Ally : image.png ( screenshot from Ally 's emails stating they will support customers during the pandemic, particularly those in precarious financial situations, of which I've found myself in, through no fault of my own. Their email also includes thanks to XXXX XXXX for their service during COVID-19 ) This is all the more ironic, considering my wife ( co-lessee ) and I are both XXXX XXXX XXXX XXXX!
Furthermore, my records indicate this lease was closed out as paid almost a month ago : image.png ( attached to original email and shows the lease as paid/closed ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
This is extremely out of the norm, extremely disconcerting, and frankly, a very sloppy way to do business. I had every intention of leasing another vehicle from XXXX when our financial situation stabilizes along with the economy in the future, but based on how this shakes out, I may find another financial institution to do business with.
Lease buyouts, whether at term or early, are negotiable.
Fees, charges, penalties, et. al. are all subject to clear and distinct disclosure requirements, per the Colorado Revised Statutes, and per the Consumer Leasing Act ( 15 U.S.C. 1667-1667f ).
I would implore you to carefully review this situation, in light of the totality of circumstances, as well as the laws that apply in this situation, particularly since this " fee '' seems to me to be arbitrary, considering the standard of lease terminations.
Respectfully submitted, XXXX XXXX XXXX This email was sent XX/XX/XXXX and I confirmed it was a valid email address through the domain controller. The email has been and continues to be unanswered!
There is no provision to speak with these people by phone. Attempts to contact them by phone result in hours of wait times. I have also sent emails to their general customer service and even their XXXX page! No response.
They have since reactivated the lease in their online system ( account manager ) amnd now show me to be past due!!!! They are in receipt of a check for the advertised ( on their website! ) payoff amount of {$25000.00} sent by XXXX XXXX XXXX XXXX, CO. They then contacted XXXX in Titles at XXXX XXXX ( XXXX ) and asked for an additional {$590.00} " fee '' because I was not the person/entity that sent the check in.
Nowhere in the signed Smartlease contract I have are there any stated provisions for if/when a licensed auto dealership ( in Colorado or otherwise ) may be charged an additional fee. In fact, Section 3. of the SmartLease contract indicates there is NO OTHER CHARGES and NO DISPOSITION FEE.
Section 28. - Early End : You may end this lease at any time. We ( Ally ) may end this lease if you are in default or the vehicle is a total loss. I have never been in default on anything in my life. My last credit score provided to me by the dealership was XXXX FICO.
My only expectation at this point is that Ally Auto Financial/Ally Bank immediately remove any and all " late payment '' reporting to my and my co-lessee ( XXXX XXXX ) credit reports and accept the payment sent to them in accordance with applicable state and federal law and the aforementioned contract ( SmartLease ).
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| 09/14/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
Servicemember |
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Near the end of XX/XX/2021 I noticed a fraudulent transaction on my account and reported it. When I spoke to the representative at the time, I was advised to review my account thoroughly for any other potentially fraudulent transactions, which I did and again on or around XX/XX/XXXX, I reported additional fraudulent activity to Ally, over {$2000.00} worth. This resulted in first my debit card being shut off and a new card being sent to me ( which has not worked since the day I received it ), and then my account getting shut down and a new account being opened. However, Ally did not shut down the old account timely as I was told they would, and a couple of auto-payments snuck through the old account up to 5 days after it was supposed to have been shut down ( I did everything I could to update all of the bills I have from my old account but as you can imagine, a couple got crossed in the timing ) which resulted in a negative {$160.00} balance. While trying to grapple with everything, missing over {$2000.00} in fraud, and not getting paid timely due to the need for a paper check from my employer, Ally thought it appropriate to cold-call me to have a representative threaten me with account closure if I did not bring the negative balance current. To say I was shocked would be an understatement... I truly felt terrible after this call and was distraught. How were they not aware of the fraud investigation, where was their tact in handling a negative balance account under dispute review? Truly disgusting tactic on their part.
As I'm sure you can imagine, this has left me in a bit of purgatory when it came to paying my bills, getting my direct deposit from my employer, and having access to my funds. Because of the account closure, I had to re-do my direct deposit with my employer which resulted in a need to send me a paper check due to the timing. I've posted a check from this employer before on or around XX/XX/2021 as they pay the first paychecks via paper check, so this should have been cleared as a viable check/source of funds from that alone. I understand the amount is decently risky for institutions ( around {$4000.00} ) however I've been receiving direct deposits from this employer for 10 months for this amount so this shouldn't have come as a surprise to Ally. I e-deposited the check on XX/XX/2021 and was advised today that I won't have access to those funds for another few days as a result of their check hold policy. I asked for an exception as again, this is not a new employer I'm receiving the funds from and the amount is also the same as my previous direct deposits and very a reasonable basis can be made for releasing all of the funds to me when asked. However, I was told that Ally never provides an exception for their check hold policy, but I know this to be false. They have given check hold exceptions, but only to their wealthy white male clients, I work with one of these men who told me that Ally gave him a check hold exception and he is the one who encouraged me to ask Ally for an exception knowing they have done so in the past. When I told him they refused, he was astounded, and told me if he'd have called in on my behalf they would have released the funds as he is male.
I've been discriminated against and believe Ally is providing check hold exceptions to whomever they see fit, which does not include me based on my gender and/or income. I further believe their lack of attention to and care regarding my fraudulent activity is going to result in Ally blaming me, the consumer, and leaving me out over {$2000.00} which is a life saving amount of money. I do everything I can to be the best customer possible and only want the best relationship with my financial institution. However, Ally feels cold and distant when it comes to anything their consumers need from them, and it should never feel this way. I told the representative on the phone today that an exception was the difference between me getting kicked out of my residence for violating my lease agreement due to non-payment and she simply continued to recite her script telling me my finds wouldn't be released for another few days. That's how little Ally cares for their customers.
By the time they respond to this my paycheck will ( hopefully ) be released and available to me, however this has caused undue XXXX and frustrations beyond description. I have suffered fees and a lease violation as a result of Ally lying that they don't provide check hold exceptions. I have gone over a week unable to make bill payments due to the fraud and now as a result of Ally " hanging on to '' my paycheck, something that can quickly and reasonably be verified same-day. All of my accounts are positive and in good standing. There is no reason why I should be getting treated like I'm some sort of criminal doing nefarious activities.
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| 04/24/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Ally is falsely reporting a delinquent balance/payment on my credit report. In XXXX XXXX Ally originally sent a letter stating I owe the {$190.00}. The XXXX they claim owed includes all monies collected vs monies owed ( wear and tear, mileage overage, etc. ) I am not disputing anything they charged me for. The problem I have is how they got to the total owed. I turned my vehicle in in XXXX XXXX , 8 payments early ( last payment was scheduled for XXXX XXXX ). So what Ally simple did was take my original payment of XXXX X 8 f or a total of {$2500.00}. Using the {$2500.00} plus all other fees minus monies sent to them the grand total was - {$190.0 0} ( a mount they say I still owe ). At least thats what the papers sent to me by Ally shows. Top line says lease payments owed {$2500.00}. My entire argument is based on the fact that in XXXX XXXX when I turned in my vehicle I did not owe {$2500.00} ( 8 payments of XXXX ). I only owed {$1100.00}, a difference of {$1400.00}! The explanation I received from the dozen or so times Ive attempted to resolve this issue with Ally over the past 7 o r 8 months ( XXXX XXXX - XXXX XXXX ) was completely ludicrous. I was told that is does not matter that I sent a large sum of money ( XXXX to be exact ) it s till does not change my monthly payment. I was advised that because I turned my vehicle in 8 months early I still owe d 8 p ayments of XXXX which equals the {$2500.00} Ally used in determining that I still owe XXXX . It was confirmed by every ALLY person I spoke with that the {$2500.00} used in determining I still owed XXXX was from the remaining payments I had left on my lease. My entire dispute with ALLY is if the incorrect total of XXXX was used as it clearly shows on the ALLY paperwork : then I should not owe anything. Ally refused to allow me to speak with anyone in their accounts review department. Finally, in XXXX XXXX I filed a complaint with the BBB. Wit hin one week of filing that complaint someone from Ally 's account review department called me. After 7 days of trying to figure out why I owed any amount the nice lady from the account review department gave me a courteous call just to advise she is still looking into the situation. 3 days late r ( XXXX XXXX XXXX ) she called me back and gave a verbal explanation of the {$1400.00} was taken off in XXXX spot but added back in other spot. She did not understand why Ally wo uld not mail me a letter showing this. Though I was not satisfied with the explanation, it was the first time I received an explanation and therefore I simply paid the XXXX on XXXX XXXX XXXX over the phone ( Check number XXXX ). Ally created this check number to take the payment. I was advised I would actually receive a letter showing ALL the figures used by ALLY in determining I owed a remaining balance. Today is XX/XX/XXXX and I am still yet to receive written proof. The biggest problem is that in XXXX XXXX , XXXX I went to purchase a vehicle for a family member and discovered that my XXXX XXXX XXXX had dropped to XXXX due to ALLY reporting a failure to pay a balance on a XXXX XXXX lease. This is the first time I have ever been denied based on my credit as I have never had a delinquent account ever. Furious, I immediately called ALLY and spoke with a customer service agent named XXXX ( I D # XXXX ) XXXX advised it would tak e 30-45 da ys before someone would even look into the situation. On XX/XX/XXXX at XXXX XXXX a person from ALLY called to speak with me about the situation. I do not write her name down. She advised there is nothing they can do about the reporting on my credit as I should have just paid the money upfront and waited until I received an explanation as to why I owed the money. She later advised that as of XX/XX/XXXX it was reported to credit bureau as paid account. Without being rude she advised if I would have just paid the amount without questions I would not be in this position. She also advised not to worry as this will be off my credit score in 7-10 ye ars! This is completely unacceptable and unfair to me. M y credit score ha s been railroaded by ALLY simply for asking for written proof why I owed a balance in lieu of just sending money without an explanation. ALLY postponed this situation NOT ME, yet I 'm the one being penalized for 7-10 y ears. Every time I spoke with ALLY I was told I would receive information in 30 days. Well 30 days 7 or 8 times quickly adds up. I even gave ALLY my email address to expedite the situation. I was advised an email would take 48-72 hours to receive. I went above and beyond to put a closure to situation. I even paid the amount just based off verbal information I received from the lady in accounts review.
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| 12/06/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Problem after you declared or threatened to declare bankruptcy
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Web |
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I was XXXX XXXX XXXX on Saturday, XX/XX/2022, just before midnight. I was threatened, cursed, and yelled at by men who screamed at me in the parking garage. The guy screamed, " this is a repo, give me your keys. '' I was so shocked and afraid I frantically ran away from him. One of the men laughed in my face as I told him he was making a mistake. He followed me to the parking lot 's edge and grabbed for the keys. I told him to please tell me who he was working for. He said, " it doesn't matter ; give me your keys. '' I tried to take a photo of him and his vehicle, and he stood in my way. I pleaded for him to return my vehicle so I could retrieve the orders I needed to drop off. He told me, " that's not my problem ; give me your keys. '' Then, he called someone on the phone, and the guy on the phone said, " give me your keys, and we will return the vehicle to you. '' He then he informed me if I gave him the keys, it would save {$75.00} and allow me to retrieve the items in my vehicle. I feared for my life and decided to give him the keys. Unfortunately, I gave the guy the keys with the hopes of him bringing the vehicle back to the car so that I could retrieve the orders from the vehicle. I was bamcar and lied to, and he never returned the vehicle. I had to call my employer and cancel all the orders I was supposed to XXXX. They left me stranded in an unknown parking garage on a major highway in XXXX, Texas. I did not make it home until XXXX after calling countless family members.
By the time I could get home, nearly three hours later, and after calming down enough to think, I called the XXXX police department, who confirmed that Ally Financial hired XXXX XXXX XXXX. I believe Ally Financial hired multiple towing companies to follow me. I haveemployedady had a run-in with repossession people hired by Ally Financial, who threatened me in a filling station parking lot. Good samaritans surrounded me to protect me physically, and Ally 's repossessed people backed off. This incident occurred a few days after I filed for XXXX XXXX XXXX because Ally Financial refused to work with me.
My vehicle was illegally repossessed on Saturday, XX/XX/XXXX, by Texas XXXX XXXX hired by Ally Financial. It was not a peaceful repossession and was taken from a private property garage. Ally Financial violated 392.301 of the Texas Debt Collection Act, which provides : ( a ) In debt collection, a debt collector may not use threats, coercion, or attempts to coerce that employ any of the following practices : ( 1 ) using or threatening to use violence or other criminal means to cause harm to a person or property of a person ; ( 2 ) accusing falsely or threatening to accuse falsely a person of fraud or any other crime ; ( 3 ) representing or threatening to represent to any person other than the consumer that a consumer is willfully refusing to pay a non-disputed consumer debt when the debt is in dispute and the consumer has notified in writing the debt collector of the dispute ; ( 4 ) threatening to sell or assign to another the obligation of the consumer and falsely representing that the result of the sale or assignment would be that the consumer would lose a defense to the consumer debt or would be subject to illegal collection attempts ; ( 5 ) threatening that the debtor will be arrested for nonpayment of a consumer debt without proper court proceedings ; ( 6 ) threatening to file a charge, complaint, or criminal action against a debtor when the debtor has not violated a criminal law ; ( 7 ) threatening that nonpayment of consumer debt will result in the seizure, repossession, or sale of the person 's property without proper court proceedings; or ( 8 ) threatening to take action prohibited by law.
Ally Financial also violated 392.302 of the Texas Finance Code, which provides : In debt collection, a debt collector may not oppress, harass, or abuse a person by : ( 1 ) using profane or obscene language or language intended to abuse unreasonably the hearer or reader ; ( 2 ) placing telephone calls without disclosing the name of the individual making the call and with the intent to annoy, harass, or threaten a person at the called number ; ( 3 ) causing a person to incur a long distance telephone toll, telegram fee, or other charge by a medium of communication without first disclosing the name of the person making the communication; or ( 4 ) causing a telephone to ring repeatedly or continuously, or making repeated or continuous telephone calls, with the intent to harass a person at the called number.
Ally Financial allowed XXXX XXXX XXXX to hold both the vehicle and the property inside the vehicle XXXX for almost a month. I have called XXXX XXXX XXXX to obtain my job 's property from the car, and I was informed that Ally Financial has to approve me to retrieve the property.
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| 12/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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According to the Fair Credit Reporting Act 15 U.S. Code 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 U.S. Code 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 U.S. Code 1681 section 604 ( a ) section 2 states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 U.S. Code 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 U.S. Code1681C ( a ) ( 5 ) states ''Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states ''Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. Also, it has come to my attention that late payments and credit utilization data have been included in my credit report, despite falling under the exclusions of transactions and experiences as defined by the law. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code1681 ( a ) ( 2 ), which requires consumer reporting agencies to provide accurate and fair credit reporting. Additionally, 15 U.S. Code 6801 and 6802 ( b ) ( 2 ) explicitly state that nonpublic personal information, including transaction and experience data, should not be disclosed without proper authorization. By including late payments and credit utilization data in my credit report, your agency is in direct violation of these federal laws. As a result, this inaccurate and misleading reporting is adversely affecting my creditworthiness and financial standing. Moreover, these violations raise serious concerns about these agencies blatant misuse of my personal information and other fraudulent activities. Under 18 U.S. Code 1028 ( a ), such identity theft offenses are subject to criminal penalties, further emphasizing the gravity of this matter. 15 U.S. Code 1666b Timing of payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I HEREBY REQUEST THAT YOUR COMPANY REMOVE ALL OR UPDATE THE FCRA VIOLATIONS LISTED BELOW BE REMOVED IMMEDIATELY 1. ALL LATE PAYMENTS SHOULD BE UPDATED TOO POSITIVE 15 U.S. Code 1666. 2. UTILIZATION OF THE ACC SHALL NOT BE FURNISHED 15 U.S. Code 1681b - Permissible purposes of consumer reports. 3. INQUIRIES LISTED BE REMOVED.
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| 09/04/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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after thoroughly reading through the " agreement '' it appears that this is indeed the security interest that was fraudulently given to " ally Financial '' because XXXX XXXX assigned it to them without recourse. Also I was also unaware of this swap when I was purchasing the vehicle, and was never told or made aware of these disclosure. Full disclosure being one of the main things in contract law. here are actually 8 things needed in order for a contract to be legitimate. pursuant to Law merchant and negotiable instruments law.
pursuant to 15 USC 1692g - debt validation, I the natural person and federally protected consumer would like to know who the original creditor is of this alleged debt. pursuant to 15 USC 1692g, after requesting the name of the original creditor you must cease all collection activities, including but not limited to, verification of this debt and or a judgement. this must be mailed to me the natural person and consumer.
any and all payments made or sent out to this company must be IMMEDIATELY sent back to me the natural persona and federally protected consumer, at the address XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX also pursuant to 15 USC 1692 ( c ) - admission of liability, " The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. '' 15 USC 1605- Accepting cash down payment also pursuant to 15 USC 1605 - determination of a finance charge, the dealership d/b/a XXXX XXXX took a down payment of {$3000.00} from the consumer, when it clearly states that any transaction that is an extension of consumer credit is suppose to be 100 percent In credit. it can not be a mix of credit and cash. This must be sent back to my address at your earliest convenience, via check, I will be filing a complaint with the attorney general pertaining to the fraud that has transpired with this transaction.
15 USC 1605 - Details Finance charge defined Intrest Service charge or carrying charge Loan fee, finders fee or similar charge Fee for investigation or credit report Premium or other charge for guarantee or insurance protecting the creditor against the obligors default or other credit loss Gap insurance or regular insurance pursuant to the Supreme Court case " fraud vitiates the most solemn contract, documents, and even judgements '' [ U.S. v. Throckmorton, 98 US 61 pg. 65 ] 42. ) A consumer contract is not sufficient evidence of a debt [ Pacific concrete F.C.U. v. Kaunanoe 62 HAW 334, 614, p.2d 936 ( XXXX ) ] 15 USC 1681o - civil liability for negligent noncompliance 15 USC 1681n - Civil Liability for willful noncompliance 15 USC 1611 - Criminal liability for willful and knowing violation 12 USC 411 - everything isa government obligation 12 USC 83 - Banks can not lend their own money 18 USC 8 - Obligation or other security of the United States defined 31 USC 1602- you can discharge all debts and tender of payment does not have to be illegal tender UCC XXXX - explains what a negotiable instrument is UCC 3-311- Explains what satisfaction by use of instrument is UCC 3-602- explain what a payment is UCC 3-603 - explains what tender of payment is 1681b ( a ) ( 2 ) - no consent to furnish any of my private information 15 USC 1666b - timing of payments 15 USC 1692 ( c ) ( a ) - no prior consent was given to this debt collector 15 USC 1692d- definition of the word consumer 15 USC 1692e- False and misleading representation 15 USC 1692 ( a ) ( 4 ) - Definition of a creditor 15 USC 1692e - False and deceptive information ( 15 USC 1692 D 2 ) - Obscene & Profane language Right of Rescission ( 15 use 1635 A ) was missing in the contract 100, and I was never told of my right to remind my consumer liability.
this federal law states that two times the finance charge must be paid if it is found that the corporation is in violation of this federal statute, federal codified law.
Pursuant to 15 USC 1640 ( 2 ) ( A ) ( i )- which states " in the case of an individual action twice the amount of any finance charge in connection with the transaction, " also in 15 USC 1640 ( a ) ( 1 ) - which states " any actual damage sustained by such person as a result of the failure ; " the truth in lending act, Regulation Z, states clearly that the cost of how much the credit will cost me must be on the contract that I sign and ready to be read and comprehended by anyone reading said contract. It also states in the United States Manual styles that " anything in box on any form, is in reality not on that form '' so the truth in lending act may seem to be upheld in the contract, however, after careful scrutiny only the fallacy of the information is really being agreed upon.
also I entered into this contract with bonafide XXXX faith, that there would be an even exchange of goods.
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| 11/24/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
Older American |
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XX/XX/XXXX - Received a XXXX XXXX certified check for {$28000.00} from a private party purchasing our XXXX XXXX. The check was written to XXXX XXXX and Ally. I signed the check and sent it to Ally that same day with a payoff letter provided by XXXX XXXX and a letter directing Ally to send XXXX XXXX the title they were holding.
XX/XX/XXXX - The cashiers check cleared at XXXX XXXX.
XX/XX/XXXX - Ally paid off my loan balance of {$9300.00} leaving an over-payment of {$18000.00}.
XX/XX/XXXX - The Buyer called me with Ally also on the line to get permission to ask where the title was. XXXX XXXX was wondering where it was, also. Ally said the title had been mailed to the bank. I then asked the Ally customer service person when I would see the remainder of the payment. They said it was Ally 's policy to wait 18 days before returning over-payments. I asked if they would be paying me interest on my money just as they were charging daily interest on my loan until it was paid off. She said something like " No, we won't be charging you any more interest. '' I tried to explain that she did not understand my question, but got nowhere. I asked where she was, thinking about contacting the state attorney general and she said she was " off shore. '' XX/XX/XXXX - The buyer contacted me again to see if I could follow up on the title. I called Ally to find out where the title was and to check on my money. They said the title was in the mail and that my over-payment was being processed.
XX/XX/XXXX - The title arrived at XXXX XXXX. The buyer had to bring it to me for my signature to sign the vehicle over to them. I asked this agent if she was also off shore. She said she was. I asked where. She said the XXXX.
XX/XX/XXXX - I called Ally to find out where my money was. I started to record names. I believe I spoke with " XXXX '' first. I asked for a XXXX. I was transferred to XXXX, I believe. She said the check had been cut on XX/XX/XXXX and it usually took up to 10 days to get mailed out. She thought I should receive the check that same week of the XXXX.
XX/XX/XXXX - On XX/XX/XXXX, I had received a " Congratulations '' letter from an Ally office in XXXX XXXX, MD. I thought it was the check. I contacted the Maryland Attorney General 's office and filed a complaint much like this one. My complaint was that the time Ally held our funds and the the time it took to actually release the funds, all interest free, was way too excessive and fraudulent. I am not an attorney so I am not sure if fraudulent applies here. I just feel taken. After filing the complaint, I contacted my buyer to see if she could find out when the cashier 's check had cleared XXXX XXXX. She did better than that and actually got a copy of the cancelled check.
XX/XX/XXXX - I called Ally. I immediately asked for a XXXX I was transferred to XXXX. XXXX put me on hold for about 10 minutes while he reviewed my account history. XXXX said my money had been sent to the bank that issued the cashier 's check, XXXX said he could not see in his records which bank that was. I lost it a bit and called them XXXX I asked why would they send funds from a check written out to XXXX XXXX and Ally and signed by XXXX XXXX, then turned over to Ally, back to the bank that issued the check? It was no longer the banks money. It was my money. And why is this the first time I was hearing about the money going to the bank and not me? XXXX said it was Ally 's policy to return over-payment amounts to the institution that issued the final payment. That I should call MY bank and ask for the money. I explained as best I could that XXXX XXXX was not my bank and would not know why they were getting my money. It was my buyers ' bank. XXXX said it was policy. I asked XXXX if he was in the XXXX. He said he was. I hung up before saying anything more I would regret. After ending the call, I texted my buyer and asked if she would contact her bank, XXXX XXXX the next day and see if they had received a check from Ally. She said she would email her banker immediately and call her the next day.
XX/XX/XXXX. I found out my buyer 's personal banker was out of the office all this week. She found someone else who is trying to track down any information they might have. I am hoping XXXX XXXX did get a check and that they did not send it back to Ally wondering why they got it in the first place. I am guessing that if my buyer 's personal banker did not get involved, then the bank would not know who XXXX XXXX was, if my name was even connected with the check. Otherwise, I am hoping they did not get the check yet and will now know to look out for it. I gave my buyer my Ally account number to give to her banker in case they need to contact Ally. I am assuming if they do, they will need to get me involved as before to discuss the details of the account.
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| 06/01/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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On XX/XX/XXXX, I purchased a XXXX XXXX ( XXXX ) from XXXX XXXX XXXX Located on XXXX XXXX XXXX XXXX, XXXX SC, XXXX. My problem arose during the month of XX/XX/XXXX dealing with major mechanical problems on the vehicle causing me to become emotionally and financially distressed with unresolved mechanical problems and repairs ( See Attached- XXXX Invoices ). During XX/XX/XXXX, I became aware of the Buyers Guide form ( See Attached Buyers Guide Form ) the information it furnishes is deceptive in violation of 12 U.S.C of Section 5531 and 553 under Federal Trade Comission ( 16 CFR PART-455 ) Used Motor Vehicle Trade Regulation Rule. XXXX XXXX, saleperson employee for XXXX XXXX XXXX he wrote on the Buyers Guide ( See Attached - Buyers Guide ) form in front me and my spouse during the transaction of XX/XX/XXXX ( See Attached - Purchase Contract ). Buyers Guide Form Findings : Failure to disclose sysem covered/duration section ; Failure to disclose dealer 's information or signature on the back of the Buyers Guide ; Failure to disclose Service Contract was available. On XX/XX/XXXX, I file complained with the Department of South Carolina Consumer Affairs ( See Attached - Letter ) requesting the contract be rescinded and to be reimbursed all monies paid in good lieu toward the vehicle. I was informed by the Department of South Carolina Consumer Affairs that they were unable to resolve the matter because the agency acts as intermediary and work for the voluntary resolution of Consumer Affairs to process complaints involving the sales of goods or services for personal, family or household use. I strongly feel the Departments of South Carolina Consumer Affairs did not follow the guidelines to resolve the problem. It is conclusion that the Department of South Carolina Consumer Affairss did not receive accurate facts regarding the sale of the XXXX XXXX XXXX ( XXXX ) and decieved by XXXX XXXX XXXX. Furthmore, I believe that the Department of South Carolina Consumer Affairs is in possession of manipulated documents provided in a response from XXXX XXXX XXXX as documentation. As a result, my complaint was closed on XX/XX/XXXX. On XX/XX/XXXX, I file a complaint on grounds of fraud ad professional misconduct with South Carolina Department of Motor Vehicle Office of Inspector General ( See Attached-Letter ) requesting an investigation on all documentation of the purchase of the XXXX XXXX XXXX ( XXXX ) be completed. The Dealer License and Audit Unit informed me an investigation was conducted and my complaint was forwarded to South Carolina Consumer Affairs for further investigation. I am very disappointed because I read the South Carolina Dealer and Wholesale Manual on Dealership Requirements and clearly states federal law rules which requires that every used vehicle for sale on a dealer lot must have a completed " Buyers Guide form '' in the window etc. The neglectful actions taken on XX/XX/XXXX, led to The Buyers Guide not being fully completed. There were obvious omissions by the dealer with the Buyers Guide not placed on teh window of the vehicle, the dealer 's signature is absent, and pertinent systems covered is missing from the Buyers Guide. As a consumer, we hold professionals to a higher standard of practice and expected information regarding a product, good and services ; they remove the buyer 's option to have concrete facts in making a decision. I have made several phone calls to attorney 's here in the XXXX South Carolina area, unfortunately, none of my calls were returned. I took it upon myself to look up Uniform Codes, Federal Laws, and State Laws to advocoate for myself on these unethical practices, therefore ; I am reaching to XXXX XXXX XXXX XXXX for support in resolving the matter that promotes fair business practices. Moreover, XXXX XXXX XXXX lies with breach of XXXX XXXX XXXX and XXXX Guaranteed Auto Protection/Deb Waiver Agreement/Addendum to Financing Agreement Addendum Contract in absence of my signature. As a direct result of omission and wrongful acts, on XX/XX/XXXX, I sent a Recession Notices certified mail through the United States Postal Services ( See Attached-Letter ) to Ally Financial Inc. and XXXX XXXX XXXX XXXX, exercising my rights to pursant to 15 U.S.C. Section 1635. Additionally, I am using my rights to rescind the loan by Ally Financial Inc. and to be reimbursed all payments made on the XXXX XXXX XXXX ( XXXX ), along with XXXX XXXX XXXX XXXX 's Extended Purchase Price {$8700.00} which is including withe Retail Installment Sale Contract totaling {$36000.00}. As of today, I haven't heard from Ally Financial Inc regarding the Recession Notice but they sent me a Right to Cure letter on XX/XX/XXXX and I did get a response from XXXX XXXX XXXX XXXX they did a cancellation on their contracts.
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| 08/24/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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In XX/XX/XXXX, I called Ally Financial and requested a Lease Buyout for my XXXXXXXX XXXX XXXXXXXX that I was leasing through them. On XX/XX/XXXX, Ally sent me an email with a XXXX link for the Lease Buyout letter that showed the buyout price of {$28000.00} and indicated the amount was valid until XX/XX/XXXX. It included lease buyout instructions on where to send the payment along with some other instructions.
On XX/XX/XXXX, I obtained a certified check for the {$28000.00} and mailed it as instructed via USPS Priority 2-day mail so it would arrive to Ally by XX/XX/XXXX, which tracking shows it did.
On XX/XX/XXXX, I received a letter from Ally stating my account was being referred to XXXX XXXX because I had broken the lease agreement. The letter was dated XX/XX/XXXX, after I had inquired about the lease buyout and stated I was sending them a check. It showed a balance due of {$28.00}, XXXX. I thought I had extended the lease, but failed to follow up and ended up not having payments deducted from my checking account which caused this issue, however, I had already mailed in the lease buyout check.
On XX/XX/XXXX, I received an overage check from Ally for {$500.00} that was dated XX/XX/XXXX. This was the difference from the initial lease buyout amount I was given and sent the check in for, and the amount listed on the second letter from XXXX XXXX.
On XX/XX/XXXX, I received a letter from Ally that acknowledge my account was satisfied and I was released from any and all obligations.
Allys website stated In most cases, once weve finished processing your final payment according to your states requirements, the title or lien release will be mailed within 10 business days. I gave them several weeks to send the lein release paperwork, but never received anything.
On XX/XX/XXXX, I called Ally for the first time to check on the status of the lein release paperwork to include the Bill of Sale and Odometer Disclosure Statement. This is where the nightmare really begins with their customer service.
I have called numerous times ( 15+ different days ) since XX/XX/XXXX attempting to get this lein release paperwork sent to me. I have spent 10 plus hours speaking to their customer service representatives ( XXXX XXXX, XXXX XXXX, etc ) and waiting on hold ( if not disconnected and having to call back ). At first they would transfer me between departments trying to figure out why it wasnt sent, then told me it needed supervisor approval ( and supervisor was on vacation so had to wait ), before finally being told it would be requested and sent the first time around XX/XX/XXXX.
Since being told it would be request and sent XX/XX/XXXX, I still have not received the lein release paperwork. I have continued to call Ally back several more times and consistently get customer service agents who say they dont understand why it wasnt sent and that they will request it again. This has happened 6-7 times at least. I have twice been told it would be sent via XXXX and that I would receive it in a couple days, and never received it. For example, I called on XX/XX/XXXX, and spoke to a customer service agent named XXXX. After some checking with his supervisor, he stated he would request the documents and that they would be sent via XXXX with a Thursday delivery ( XX/XX/XXXX ). I never received a XXXX delivery. I called back on XX/XX/XXXX, and was told they showed no record of it being sent. I was eventually transferred and disconnected. I then called back on XX/XX/XXXX, and spoke to another agent who stated he could see it was requested on XX/XX/XXXX, but I needed to wait 7-10 business days to receive it. He also stated he would submit another request to be safe. Once again, I never received the documents. When I called back on XX/XX/XXXX, the customer service agent said that it had been requested and she wasnt sure why I havent received anything. Her only solution was to request it again. I have confirmed my address with them every single time I have called. They have stated it can only be mailed.
I have requested to speak to a supervisor on three separate occasions and was told I would get a call back from a supervisor in 24-48 hrs. The last time was on XX/XX/XXXX. I have never received a call back from any supervisor.
As of today, XX/XX/XXXX, I have still not received the lein release paperwork for my lease buyout with Ally. It has been almost 5 months since I sent Ally the lease buyout check, and almost 3 months since I started calling Ally about obtaining the lein release paperwork. I am filing this complaint to get assistance in acquiring the documents from Ally Financial for the XXXX XXXX XXXX I purchased from them through lease buyout. I am in possession of the XXXXXXXX XXXX and have fully paid Ally for it.
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| 08/29/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I began purchasing a vehicle in XXXX of 2017 from Ally Financial and have been making monthly payments since then. I was given access to their online payment system but I was unable to log on to their system. I called their number to ask for assistance and was offered help by one of the companies customer service representatives. She understood and tried to assist me in getting into the system tho I was still unsuccessful. After hearing the situation, she came up with a way to take my information over the phone for automatic payment, taken directly from my account, which was directly deposited from my job via payroll. this began in XX/XX/2017. I'm a XXXX XXXX so when I'm on the road I can't afford to worry about unpaid bills that require me to stop working to make payments manually so this would definitely work out for me. I gave her my XXXX XXXX number, the only card I owned, and she told me the payment would be processed every month on time. Well I received a phone call from Ally a couple weeks later stating that the payment was reversed for non sufficient funds. I knew the funds were the so I called my bank and they assured me that no attempt was made by my auto finance comp. The bank even used a third party to make the payment for me. This unusual pattern, for some strange reason, continued to happen for another 3 months straight. I would be forced to pay an additional {$10.00} to make a payment thru XXXX XXXX.I finally got a call from a supervisor at Ally asking why my money is never available. I called my bank on conference to try to figure this all out. after an hour and being transferred to a second supervisor at Ally, we finally got to the bottom of the problem. She told me that Ally doesn't accept XXXX cards and I had to make another source for payment. I explained that I only had that card. She explained that I could make the payment directly from my bank account, tho it was XXXX XXXX Bank, I said that seemed odd but ok. The super. went on to say that the account worked differently than the card so I agreed and gave her the routing and account numbers. Now I assume were all set once again. This time I get a phone call XXXX weeks after they were supposed to take the payment. I go thru this for another few months until I'm really fed up of manually paying and {$10.00} fees to make the payments every month.I ask for another super at Ally and explain yet again. She places me on hold for a couple minutes then returns to the phone and explains that the problem is that they have been attempting to collect from my account when they clearly don't accept XXXX XXXX anything and is really disappointed the no one I talked to from Ally knew this. She input the information and put in a request to have the 8 months, leading up to this, adjusted and have the late fees reversed as well as have the reporting corrected with the credit bureau companies. I have been refunded the 8 late fees at {$15.00} each but found out that nothing had been done to remove these from my credit bureau. I was told by agents at Ally that I should dispute these with the cred comp. so I have, twice. Each time, Ally has denied that a mistake was made and their reports were correct. I have spent at least an hour on the phone with various supervisors at Ally explaining and having them go thru my account month, by month only to have them to see that the error is with the company and request that the upper management team review their findings and make the necessary corrections on my bureau. they would assure me that they would make a detailed account as to why it should be corrected but also adding that the process would take 30 days to complete. this has happened 4 times and each time I have to go thru the same explanation process only to be denied 45 days later by mail.I 'm really frustrated and have no other ideas on getting this corrected. I had a XXXX XXXX at work and am not able to be insured XXXX a XXXX any longer. I have been trying to finance a home for my family and am hindered by this nightmare of a finance company as these false delinquent payments have caused my credit score to DROP XXXX POINTS! I asked them to explain why i was refunded for 8 lates charges, for the same 8 times 30 days late reported and the answer given was they extended me a one-time courtesy, as they always do when a customer requests. I have notified the customer reps at Ally that I now record all conversations with them, since they can't mail me a copy of their requests nor findings of facts to remove these delinquents. I have recordings of them figuring out the error on the companies part and that they will send it to the upper mgnt team. please assist me with this problem. It would be a tremendous weight off my soul.
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| 06/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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XX/XX/XXXX RE : CLOSED ACCOUNT/RE-OPENED ACCOUNT Ally Financial Inc. , ( AF ), ACCT. # XXXX To whom this may concern, XX/XX/XXXX, the Covid-19 pandemic broke out and effected millions across the nation, which eventually created massive job losses, delayed unemployment benefits, delayed stimulus payments, delayed federal extensions, paused government and financial institutions to no fault of the consumer what so ever. By doing so, it resulted in delinquent payments and destroyed my credit to no fault of mine. I have produced my past credit and current credit history, see ( EXHIBIT A, Pgs. 1-3 ). These exhibits clearly show previous years of good standing credit prior to the Covid-19 outbreak, then plummets drastically because of the delays mentioned above, which was beyond my control. Now, I am faced with a bankruptcy for the first time at a cost to me, which is unacceptable, disturbing, and concerning for a matter I did not create.
I also reached out to The Department of Financial Protection and Innovation ( DFPI ). However, the ( DFPI ) would not engage. In my view, there are no laws or safeguards that would protect a consumer from an event that has never taken place before. Because of the pause, it created a massive financial disruption that nobody has ever encountered before. I strongly feel, I am one of thousands, perhaps millions of consumers that was dealt a brutal blow because of the circumstances mentioned above.
Furthermore, I find it very disturbing, as of lately there is a record number of bankruptcies being reported by consumers and businesses of all kinds. Consumers were given stimulus checks and federal extensions as well as businesses and now the majority are failing because of the pause, which is disturbing and concerning. I strongly feel all financial institutions do understand what has taken place. In my view, these financial institutions are Steam Rolling consumers for financial gain by taking advantage of millions of consumers who have delinquent and defaulted loans, which was created by the unforeseen historic Covid-19 outbreak.
These circumstances were way beyond the control of the consumer. ( AF ) has failed to recognize the impact this matter has created and simply do not want to. I have found out through my time spent with this matter, all lenders I have had accounts with acted in the same manner and hid behind their terms and conditions, which are dated and do not apply to this unique circumstance. There is nothing in writing within ( AFs ) terms and conditions that would describe how ( AF ) would operate during a complete government and financial institution shutdown, because that event has never happened before in history.
Again, in my view, there are no laws or safe guards that would protect a consumer regarding this never seen before catastrophe. So, how is a consumer supposed to protect oneself with no laws or safe guards set in place? I strongly feel, the banking institutions are fully aware of what they are doing and nobody is talking about this. So, where does that leave the consumer against these financial giants with zero resources to protect oneself against their relentless pursuit to obtain payment? Most of the nation, including myself are now being heavily impacted three years later as its all falling apart right in front of the nations eyes with still no solution or recourse, why not?
Additionally, the fault and blame lead back to the unforeseen Covid-19 outbreak and ( EDD ) for their inexcusable adverse actions regarding delayed payments. ( AF ) must and should absorb the past due balance to extinguish this matter due to their inexcusable patterns of unethical business practices, which has gone unnoticed.
Finally, I have produced proof my account was closed XX/XX/XXXX. XX/XX/XXXX, account was reopened and updated, see ( EXHIBIT B, Pgs. 1-3 ). Please see page ( 2 ), it also shows last payment being made, XX/XX/XXXX. I did not have possession of vehicle at that time, which is disturbing and concerning. ( AF ) is reporting this collection as an open account, which is not under the Fair Credit Reporting Act ( FCRA ) compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when removed.
Lastly, I respectfully request the ( CFPB ) to re-investigate ( AF ) for their adverse actions and patterns of unethical business practices, as I have only noted the obvious throughout my complaints. If this matter is not under the jurisdiction of the ( CFPB ), please provide the appropriate agency or agencies that may be of assistance.
CONCLUSION I respectfully request ( AF ) to absorb the outstanding debt and reverse any negative credit reporting.
Respectfully, XXXX XXXX
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| 03/26/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
Older American |
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I purchased a XXXX XXXX XXXX on XX/XX/XXXX from XXXX XXXX, and as part of my purchase contract, I purchased a GAP Insurance Policy from XXXX XXXX XXXX XXXX, which I was told would cover any deficit if my vehicle insurance did not pay off my auto loan after a loss. Having doubts about the payment date I was obligating to on my purchase contract, I requested a different payment date. I was informed by the Finance Manager at this dealership that it could easily be changed with whichever Lender picked up the contract, no problem at all. No mention was made of any negative impact that this would have on my loan and other contracts, and after having spent several hours completing this purchase at the dealership, I took my new car and went home.
I soon was advised that my contract had been financed by Ally Financial, and that my loan number was # XXXX. I immediately made arrangements for ACH payments. Several months later, I asked Ally to change my payment date, and they cheerfully accommodated my request. I had to pay a pro-rated payment to carry me over to the new payment date, and happily did so. No mention was made of any negative impact that this change would have on my GAP Insurance that was included in the purchase contract. I continued making payment via ACH, and never incurred a late fee.
On XX/XX/XXXX, I was in an accident in my XXXX, and the car was declared a total loss. As my insurance company did not pay off the entire balance, I filed a claim with the GAP Insurance provider, XXXX XXXX XXXX XXXX under my contract # XXXX. After many weeks of repeatedly faxing the same documents to XXXX XXXX XXXX XXXX that they requested in order to process my claim, XXXX XXXX XXXX finally sent ALLY a check in the amount of {$2000.00}, leaving an unpaid balance ( per XXXX XXXX XXXX XXXX ) of {$94.00}.
I was confused as to why the loan wasnt paid off in full, and the GAP Department explained to me that they pay based only on the original contract dates, and that any payment not made on the exact due date is considered LATE and that every payment, indeed, was considered by XXXX XXXX XXXX XXXX to have been made late. The pro-rated payment made to Ally when I requested a payment date, was considered by XXXX XXXX XXXX to have been a breach of my contract, and therefore they had adjusted the amount they would pay on my behalf, leaving a balance of {$94.00}. As far as I knew, I had never been late, and was shocked. Nobody, at any time during the sale or term and servicing of this contract, let me know that I was required to make every payment on this loan exactly on the original contract due date, and that any variation from that pattern would decrease the amount paid on any GAP claim.
This problem is further compounded by the fact that ALLY is now trying to collect about {$2000.00} from me to pay off the XXXX. I dont have any explanation as to how the amount increased from {$94.00} to {$2000.00}, and I requested arbitration to get this figured out.
I believe this falls under the UDAAP laws because : XXXX XXXX did not disclose that I would need to make payment on or before the specific original payment date in order not to be in violation of the GAP Insurance contract XXXX XXXX advised me that it was acceptable and normal practice to change the payment date with the vehicle finance company and again did not disclose this would cause a decrease in payment made against the GAP Insurance policy that XXXX XXXX sold to me.
XXXX XXXX XXXX XXXX took unfair advantage of my ignorance of their requirements, and that there was no way to comply with their terms without the loan payment requirements having been fully disclosed to me.
Ally Financial allowed me to make a change to my payment date without disclosing to me that this would further impact my ability to collect on a GAP Claim that was part of their financing.
Ally Financial failed to apply insurance payments to my loan effective on the date of loss ( both from XXXX Insurance and XXXX XXXX XXXX XXXX ) thereby inflating the payoff from {$94.00} to close to {$2000.00}.
Although all my payments were made in a timely manner, Ally Financial is now reporting me as delinquent on the inflated balance, and are dunning me for payments in the amount of {$420.00} ( which I can not afford to pay, as I had to purchase another used car after the XXXX was totaled ).
The biggest problem is that the terms of the financed GAP Insurance were not disclosed, and that the claim does not have to pay off the loan entirely if you did not meet these terms. Usually, a consumer is not required to make every payment on the exact due date, there is a grace period. And I had no idea that changing the due date would further impact the claim.
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| 09/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Phone XXXX Ally Bank # XXXX XXXX XXXX XXXX, XXXX, MNXXXX, XXXX Address on loan XXXX XXXX XXXX XXXX.MD XXXX Alley Bank car loan is reporting incorrect information on my credit report. I spoke to them so many times about my payment history and missing payments they tried to say I didn't pay or was late. I few months ago Ally Bank was supposed to move 2 late payments from last year that was never moved. This year they was supposed to correct my account but never did. They have late and unpaid remarks payments on my credit report that's not correct. I wasn't late for majority of the late payments they have on my report. Also they have unpaid payments on my report that's been paid. A few times I was on a payment plan and payments wasn't do because of the payments plan and the still marked me late while on a payments plan. Nobody at Alley Bank will assist you. I spoke to a representative from alley Bank and she gave me dates that Ally Bank said I was late but wasn't late. When I spoke to the representative during the week of XXXX XXXX XXXX she gave me a few dates that Alley Bank said I was late and I looked at my bank statement and Ally Bank state and it stated I'm not late and I informed the agent from Ally Bank of tha while we were on the phone then she looked and said may like 2 late payments that Ally Bank said I was late and Ally Bank agent said we have that payments. Then I asked her to remove that incorrect information and she said she have to put in a request. I said to Ally Bank agent if you know the information is incorrect why you just can't remove inaccurate information she said someone else deal with that. Also Ally Bank have me 69 and 90 days late which is untrue. Also I paid my payments in XXXX to Ally Bank which was XXXX and that was paided on time and I paid a few cents over the amount. Then I had a pay off amount of XXXX. I sent Alley bank on check through the maid on XX/XX/XXXX XXXX to pay off my loan account with Ally Bank and they gave me a late fee which I paid before the payments was due. My payment is due the XXXX of each month. Theny Ally Bank agent dmsaid maybe the payments was list in the mail. This happened to me twice when I sent a check and Ally Bank tried to say maybe it's lost. I believe Ally Bank are doing fraud to get extra money out of their clients. I also Ally Bank have my monthly payments amount wrong on my credit report my pay is XXXX and Ally Bank reported it on my credit report for XXXX for my car payment. On my XXXX report I don't have no payments information. Also Alley bank reported my balances incorrect. After I paid XXXX. XX/XX/XXXX, my balance was to pay car off was XXXX in XXXX, then XXXX went to XXXX, then in XXXX it stated 1 have XXXX for my car payments which was incorrect. My whole account is in correct. I am asking that they move all of my late payments, unpaid payments, and remove 60 - 90 days late on my account because the information isn't correct. Also I had a XXXX dollar electric warrty on my loan and I told Ally Bank to remove the electric loan and they were supposed to and why that wasn't deducted from my car loan amount. I can provide my bank statements and Ally Bank car loan statements. I believe that Alley Bank redacted the states as well because I never seen any late payments on my report until recently and I need this looked into. The inaccurate information that Ally Bank reported on my credit report prevented me from new car loans. I believe they are just trying to get money out of their clients because if I had late fees why I'm just receiving all these late fees on my account? Now they are saying I have 213 in.late Payments and how is the late Payments still 213 when Ally Bank said some of my late payments are incorrect so if that was true that amount should've decreased but Ally Bank agent said she have to put a request in to have the payment removed. When you call XXXX Bank you can never talk to anyone with authority to help resolve your issues and they gives out inaccurate information.
Example : on credit report from XXXX for Ally Bank XX/XX/XXXX balance is XXXX, and XX/XX/XXXX is XXXX which is a XXXX dollar difference what is the XXXX for. XX/XX/XXXX Ally Bank reported my balances is XXXX for XX/XX/XXXX but the state Ally Bank sent me it stated my balance is XXXX I believe but it didn't say my balance my XXXX. I also asked XXXX Bank to not cash the checks I sent them that they claimed may be lost, which I don't believe. I believe they does this to give people late fees because my account isn't correct. On XXXX report it's states my payment is XXXX and this isn't accurate. Look at my prior payment history which is great.
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| 12/14/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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I assisted my wife and the primary signer of a vehicle loan provided to us by Ally Bank when we purchased the vehicle in XX/XX/XXXX. My wife filed bankruptcy in XX/XX/XXXX due to financial hardships we were experiencing. At the time of filing the only outstanding balance was the XXXX late fees that we had been charged on previous loan payments. We had caught up on the payments when my wife contacted Ally after the hurricane that we experienced here in XXXX in XX/XX/XXXX, and the vehicle payments were placed at the end of the loan. We then set up autopayments once the bankruptcy was started. Once the bankruptcy was formally acknowledged by the courts and the meeting of creditors took place, the online account for the auto loan was shut down. There was no communication with me directly from Ally regarding payments, where to direct payments if online payments were not being processed as arranged by us to make sure that the car payment continued. THE ONLY information I received was a copy of the claim that Ally made to the courts regarding the vehicle. There was no letter, documentation or instructions related to how I, the primary account holder and NOT included in the bankruptcy should make payments or advised the online auto payment account had been cancelled. Because the claim was filed with the courts, no one at Ally would discuss with me because they made the claim in the court. According to the claim, the only monies that the account was behind was the late charges previously mentioned, but showed the account current otherwise with payments.
Based on the complaint response to my wife 's contact with the company, and after discussion with a rather rude, arrogant young lady in the bankruptcy department, there are some factual discrepancies First the letter referred to is from XX/XX/XXXX. Which was after the hurricane in Florida in XX/XX/XXXX, my wife called rectified the payment situation, and we have a claim in the courts showing that the payments, other than opposed late fees were due at the time of my wife filing bankruptcy in XX/XX/XXXX.
The second complaint I have is that the bank did NOT EVER reach out to me personally to rectify payments. They state that they contacted me x 2, however, the calls were not received by the number listed on our account. There was no notification by mail, email on file, or certified letter advising me of the issues with the account. There were no attempts to rectify this situation with me EVER prior to the tow truck showing up in our driveway on XX/XX/XXXX at XXXX, it was repossessed in my name. Per the rude individual that my wife had spoken to, the bank was notified by the courts that the stay was lifted on XX/XX/XXXX and that it wasn't her problem that we had the car repossessed without a conversation with me regarding a resolution.
Due to the fact that they repossessed the vehicle in my name, I am the primary account holder, not involved or named in the bankruptcy, the fact that they made no attempts to educate, instruct or contact me regarding continuing payments because they cancelled the online auto pay I want the company to retro the payments to the back of the loan, and allow us to take the vehicle back. Because of the financial hardship and danger that this put our family in because of the lack of a vehicle and having an XXXX and XXXX XXXX XXXX in the house that limited our access to them if emergency situations would occur and the fact that we have had to rent a weekly because of the slow response of the bank to my wife 's complaint, because they chose to place the repossession on my credit file before there was even a consideration of rectifying the situation, and because they knew my wife had a bankruptcy on file, the fact of trying to purchase, or lease a vehicle is out of the question.
I am requesting that the company retro the payments due to the back of the loan, this would not harm them, this would only make them more money based on the interest rate of the loan, and you can not tell me that there has not been exceptions made previously by this bank. If a solution is not found and not satisfied to my liking, I am planning to file a lawsuit against Ally for unfair practices related to the fact that they did not allow me, THE PRIMARY signer, and not named in the bankruptcy, as well as cancelling our plans to continue payments, and then not allow me or educate me on these facts, or direct me on the address to provide payments to through the mail and not providing statements regarding the account as the PRIMARY signer.
I find the results of the research done on my wife 's complaint incomplete, inaccurate and false to try and protect the bank 's poor policies.
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| 10/08/2022 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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I woke up on the morning of XX/XX/XXXX and noticed several pending fraudulent transactions on my checking account. I immediately used the Ally app to turn my debit card off and proceeded to call Ally to report the fraud.
At XXXX I first spoke with XXXX who verified my card was deactivated. She ordered me a new card and advised on when it should arrive. She was very helpful and the replacement card arrived within the timeframe she gave me. She transferred me to XXXX who would be assisting me with reporting the fraudulent transactions.
At XXXX I spoke with XXXX and went over the fraudulent transactions that were pending on my checking account. He advised me that the transactions would need to post before they could take further action. He said that it was possible that some of the fraudulent transactions could drop off and not post. At the time there were XXXX pending fraudulent transactions totaling {$270.00}. He said they would act on the fraudulent transactions that posted to my account on Monday. He advised that it could take up to XXXX business days to resolve, but that the timeframe was often less.
On XX/XX/XXXX at XXXX, after seeing that all XXXX fraudulent transactions were still on my account and having received no communication from Ally, I called back to check in and spoke with XXXX XXXX This employee sounded as if they were reading directly off a script and proceeded to tell me that after 10 days they begin investigating the transactions. I told her that I was told by XXXX on XX/XX/XXXX that the process could take UP TO 10 days. She said that wasn't the case and indicated that no investigation had begun. She said to check my account on XX/XX/XXXX, which was the XXXX business day, and that I should see communication from Ally regarding the bank 's determination on my fraud case. I didn't feel very confident about this based on the employees demeanor and apparent incompetence.
On XX/XX/XXXX I logged into my Ally account and there were no communications regarding my fraud case. None of the fraudulent money was refunded. I had to wait until my lunch break at XXXX to call the bank back and ending up spending nearly XXXX hours total on this issue. After waiting on hold for XXXX minutes I was connected to XXXX and I immediately asked to be transferred to a supervisor. XXXX said he was more than happy to transfer me, but he kindly asked if he could take a look at the case. I told him that was fine. After reviewing my case and discussing my prior communications with XXXX and XXXX he decided a supervisor needed to be brought into the loop because it had been XXXX business days and nothing had been done. XXXX was very helpful and stayed on the line until a supervisor could join. I asked XXXX if they kept the recorded phone calls I had made and he indicated that they are kept. After chatting for about XXXX minutes, XXXX advised me that he was bringing XXXX on the line and that she was a supervisor. I went over all of my prior communications with XXXX and expressed my frustration that it had been 10 days and nothing had happened. I told XXXX that I fully expected the fraudulent money be deposited to my account by the end of the business day as I had already waited 10 days for the process to work. She told me she would escalate my case and that I would have the fraudulent money credited to my account by the end of the day. I requested that XXXX pull the recorded phone calls of my prior communications with XXXX and XXXX so that she could hear for herself what I was told and what has happened and told her that perhaps these calls could serve a purpose in training future employees and they could follow up with XXXX and XXXX on their procedures.
The next morning ( today ) I logged into my Ally account and found that nothing had happened. Words can not express my disappointment and frustration with Ally Bank.
I am out {$270.00} and I don't know what to do. My wife was laid off last week and money is very tight. This was communicated to XXXX the day before. I was hopeful the money would be credited, but I didn't have much confidence it would based on my dealings with XXXX and Supervisor XXXX. I am beyond disappointed in Ally and I hope that this complaint to the Consumer Financial Protection Bureau will help me get my money back. This experience with Ally has shattered my confidence in them because this could easily happen again. I have opened an account with another financial institution and have begun moving funds over to it. I'll leave the Ally account where the fraud occurred open until I have the fraudulent transaction money refunded to me. At that point my business with Ally will be done.
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| 09/21/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Repossession
- Voluntary repossession
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Web |
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I purchased a new XXXX XXXX XXXX on XX/XX/XXXX through financing provided by Ally Bank. When the schools shut down during the early stages of the pandemic, I was fired from my job because I could not find childcare for my XXXX children under the age of XXXX. Ally Bank offered me a temporary extension bringing me current through XX/XX/XXXX. Unfortunately, schools remained closed and I was not able to return to work. I received a charge off notice in the mail on XX/XX/XXXX. I have to put into context the area in which I live. I moved to the middle of the XXXX in late XXXX early XXXX for the aforementioned job. There are no cell phone towers in my vicinity and at the time, the internet service provider was just above dial up quality. I spent the majority of the first year of the pandemic locked down in a small trailer with limited connectivity.
When I received the charge of notice I sent a message through my Ally account portal notifying the bank that due to my job loss I could no longer afford the car and asked when they would be picking it up. I did not drive the vehicle after XX/XX/XXXX because I was terrified the the bank would come to pick it up while I was in the grocery store and I would be stranded somewhere with my children. I did not receive a response. In XXXX I sent another portal message asking Ally to come get the car. They responded they received my repossession request, and needed me to call them. I wrote back letting them know the situation with no phone service.
By XXXX of XXXX, I did some research as to why a lender would not repossess a vehicle. Most of the resources I found indicated that this happens when the lender does not believe the vehicle 's value to be more than the cost of repossession. I found that hard to believe as the vehicle was only 2 years old when I surrendered it and was still valued at close to {$20000.00}. We had a new internet service provider and a slightly better ability to make phone calls, so I attempted to call Ally Bank. I thought since it had been so long we might be able to work out a lower payment so I could get it back on the road. I was still without a vehicle and it had been actively looking for new full time employment. In my rural setting, there are not many viable work options and the closest suburban area is about an hour away. It took me several days to reach Ally. The department I needed to speak did not have someone regularly answering the phone and there was no way to contact them directly. Each employee I spoke with during triage expressed surprise when finding out it had been two years and the vehicle had not been repossessed. I was finally connected with someone in the right department. I explained the situation and was told by the representative that they could not talk to me. When I asked why, they said they could only speak to my attorney. I told them I did not have an attorney. They said there was a note on the account regarding attorney only contact, and I again stated I never had an attorney. I was transferred again. I asked the next representative what my options were and she told me I had to pay the past due balance of {$26000.00}. I said I wanted them to take the car. The woman I spoke with ask about the location of the vehicle, if it was locked in a garage, and if they would need any codes to access the property. I let her know the vehicle was and has been sitting in my driveway since XXXX, no gates, no obstacles. The Ally representative informed me that they were a little backed up, but they would be coming to get it.
I heard nothing from Ally Bank until the letter I received from Ally Bank dated XX/XX/XXXX. The letter stated by account had been sold to a company called XXXX XXXX XXXX. To this date, this is the first correspondence I have received from Ally Bank since my XXXX request. They have had my phone number as well as my address. I have not received any debt validation correspondence from XXXX XXXX XXXX.
The XXXX XXXX has been sitting for the last 3 years. It has seen 3 XXXX winters, wildlife refuge, and storm winds and hail. The value of the vehicle has depreciated immensely and now I am left with a vehicle I can not drive and {$26000.00} in debt. I have been working with the USDA to move, My children and I are in a compromised living situation and I am unable to get approved for safe and clean housing due to this debt, While I understand the debt is mine, but Ally Bank told me they would collect the vehicle. If they had sold the vehicle and possibly recouped a large portion of the debt and I would have something more reasonable to work with. How can they sell a vehicle debt on a loan in repossession status?
|
| 11/07/2017 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Deposits or withdrawals
|
|
Web |
Older American |
|
Narrative My complaint against ALLY BANK ( hereinafter Ally ) is very simple. The two pillars of personal and business interaction are : Due Diligence and Full Disclosure. In banking there is an added requirement : Fiduciary Responsibility. I believe that not only the actions of Ally in exercising undue domination over my fixed IRA CD deserves a preliminary investigation ; a written Ally response confirming that such control is a policy not published in disclosures, ( See Ally letter XXXX paragraph 3 ) ( Attachment 1A & B ) absolutely requires such investigation.
The issues : I am required by the IRS to withdraw a yearly RMD ( Required Minimum Distribution ). Ive complied with this requirement every year from the time I reached 70 years. I had several IRA CDs at Ally as well as an online IRA Savings Account ( # XXXX ). The IRA Savings Account was the source of my RMD which I took in monthly installments. Until XX/XX/XXXX the program we set up was working just fine until we discovered that the FIXED IRA CD ( # XXXX ) had been shrinking beginning in XXXX XXXX. I can provide statements if needed, but it might be better to force Ally to prove the veracity of my assertions. On XXXX @ XXXX I called Ally and spoke with XXXX but no one could tell me why the FIXED IRA CD ( # XXXX ) was declining in monthly amounts equal to my RMD. Parenthetically, the RMD monthly amounts simultaneously stopped being deducted from the IRA Online Saving ( # XXXX ). One Ally representative went into the history of the accounts ( the IRA CD as well as the IRA Online Savings ) and could find no evidence of anyone redirecting the source of the RMD payments. This representative even went so far as to set up a case number ( XXXX ) for the Maintenance Dept. to research the issue. XXXX opined that this seems to be a systemic problem, a glitch. And she will research further.
Let me digress for a moment as a long time collector for XXXX XXXX XXXX in XXXX, WA. I KNEW that among the top commandments we learned was that the notes in a file were to be so complete and so thorough as to allow any future review of the file to be as if the reviewer had written the notes themselves. Clearly Ally does not have a like system. Based on this I thought it best to follow up on the case number. On XXXX at XXXX I called and spoke with XXXX who revealed that it was Allys policy to take RMDs from instruments which had the lowest earning interest rate AND that I had not executed the Ally form which designates what account from which the RMDs are to be drawn. ( Ref : Attachments 2A & B ) I subsequently reviewed the Deposit Agreement as well as the Ally form and could find no reference to the policy or the place on the form for account designation!!
On XXXX I sent a fax as well as a copy by U.S. mail ( Return signature requested ) ( Ref : Attachments A, B, C, & D ) advising Ally that despite a slight positive interest differential in favor of the IRA Online Savings Account ( # XXXX ) over the Fixed IRA CD ( # XXXX ) that they were to immediately stop exercising domination over funds which they did not own! Further, that the amounts taken from the Fixed IRA CD ( # XXXX ) were to be restored from funds in the IRA Online Savings account ( # XXXX ). I put this in writing even though I had been told by representative XXXX on XXXX that a reversal of the monies was not possible because THE IRA CD WAS A FIXED INSTRUMENT!!
Narrative ( continued ) Page 2 At this point let me summarize : Ally has a policy which they keep to themselves ( Ref : Attachment 1 again the underscored ) to contumaciously invade a fixed IRA CD to provide the clients RMD without any authorization just so Ally can take care of IRS requirements instead of the OWNER of the funds. Well, thank you Mr. Helper! You can bet that if Ally errs in connection with the RMD it will be the CLIENT who will take the hit from the IRS.
Finally, I spoke with XXXX XXXX XXXX XXXX as well as XXXX XXXX ( where I and/or my husband have personal as well as trust accounts ) re the ability of withdrawing RMDs from an IRA FIXED CD. Both agreed that it could be done BUT solely on the initiative of the account owner. I believe that Ally has unlawfully arrogated unto itself the decision over which account is to be the source of the RMD funds. One can only guess what other secret so-called policies Ally is applying without the knowledge of the account holders. A preliminary investigation is clearly warranted to determine the scope of their domination AND if you deem it appropriate include the IRS because of the mishandling of my RMD.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA. XXXX XXXX XXXXXXXXXXXX
|
| 07/06/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
Older American |
|
* Please disregard any prior complaints as I now know the initial reason for the negative information recently placed on my credit report. The reason was disclosed to me yesterday evening via way of this site ( CFPB ) from XXXX @ Ally Financial. I would now like to respond to that as I feel this has been nothing short of a communication gap.
In XX/XX/XXXX, I took out a XXXX dollar loan from Ally Financial for my XXXX XXXX XXXX XXXX. Since having taken out the loan, nearly 5 years ago, I have not missed a single payment furthermore not even been so much as one day late on a payment. My monthly payment is {$1000.00}. That is why I had a hard time accepting the recent negative reporting on my credit report. Not one person could tell me why the negative reporting until yesterday evening. My credit is very important to me and I take it seriously unlike when I was younger. I am now XXXX XXXX XXXX and my payment history on all of my cards is 100 % This is where the problem lies. In XXXX of XXXX my daughter, XXXX XXXX, took out a lease and I co-signed for her. It was her first step at obtaining credit and I carefully monitored the best I could considering she was away at school. In XX/XX/XXXX, I took out my current loan for the truck I have now as was mentioned above. Also in the XXXX of XXXX, we changed residencies from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX Mi. Basically just a ten mile move. In XXXX on XXXX, we completed our move however between XXXX and XXXX of XXXX, we were actually living in both residencies with mail arriving at both addresses. I did do a change of address but not sure as to what month that occurred? Amongst the middle of all of this, my daughter had decided to turn in her early lease in XX/XX/XXXX. She was aware that she was over a little more than XXXX miles and was told that would be rolled over into her new lease in the amount of an additional XXXX per month. Just today I received a copy of the WE OWE in which they, the dealership agreed to pay the additional XXXX. Considering the fact my daughter had done well with her 3 year lease and began to establish credit, I was not in any of that transaction being her 2nd lease. As far as I was concerned, it was a done deal.
Fast forward to XXXX of this year. Since my daughter is away finishing up her XXXX XXXX, I received a bill in the mail with her name on it. I opened it up only to realize it was a collection notice. I had no idea what it was for other than she needed to pay it immediately. I snapped a picture of it, texted it to her and within a couple days, the XXXX was paid off. I found it hard to believe she had ignored XXXX after all of the preaching I had given her regarding her credit. Shorlty after she paid the bill, I started receiving notices that my credit score had dropped some XXXX points. I called Ally and body knew anything. Come to find out yesterday, I was billed the balance being XXXX and I had no idea and never once knew about it. Apparently Ally Financial billed me the XXXX in XXXX of XXXX and again in XXXX of XXXX? I can say with 110 % certainty I never once received the bill. I can also say I never once received a phone call from Ally or any collection company or any email or notice of any kind ever for an attempt to collect XXXX. Prior to this my credit score was nearing XXXX and who would ever thing I would ignore that bill? I simply had no idea nor did my daughter. I am nit disputing that bill however I am saying it came out of no where and was a surprise to both the daughter and I.
In closing, I have been very upset over this whole ordeal and nobody had any answers until yesterday evening. Besides taking legal action I felt I had but one choice. Yesterday morning I sent letters to Ally CEO XXXX XXXX XXXX, CFO XXXX XXXX XXXX and Chief Compliance Officer XXXX XXXX XXXX. I also emailed XXXX XXXX and XXXX XXXX. At the time I just was asking someone be appointed to tell me what has happened. Now, I know. Up until yesterday, I had only received a voice mail from XXXX XXXX. I had tried reaching out to her but had been unsuccessful.
That is basically where thus stands. I have been a loyal paying customer to Ally as has my daughter and to think for that I was slapped with a XXXX blemish on my credit report I find very unfortunate. Again, I believe this is merely a lack of communication and I am hopeful Ally will do what is right in the case.
Thank you in advance for doing what I feel is the appropriate thing to do and that is to remove the charge off from my credit report along with anything pertaining to Ally in hopes of continuing our relationship as I have always thought highly of Ally Financial.
|
| 01/18/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
In XXXX 2017, I purchased a new vehicle which required a loan balance payoff from the dealership to the current finance company, Ally, on the vehicle I was trading in. When obtaining the payoff amount via phone, the representative was made aware of the new purchase, and it was agreed, of course, if the deal did not go through to completion, regular loan payments would resume ( there are no late payments recorded during my Ally auto loan ). The only correspondence received from Ally after that phone call was the letter stating the payoff of the loan was complete.
When applying for a mortgage in XXXX, it was noted that the last payment on the Ally auto loan was recorded as late. I contacted the finance company, I believe on XXXX XXXX, to inquire about it. At that time I was told the payoff from the dealership came later than the original 10 day turnaround, which made the last payment late. At no time did I receive notification of the late process by either the new car dealership or from Ally.
I then asked if Ally could remove the late payment, as they were notified of the payoff yet did not inform me of any tardiness in payment, especially with my good payment history. Additionally, they were aware a payoff was in route. I was told the request would be escalated to their credit review department. The reference number for that call is XXXX. I did not receive any written notification of their decision.
When I started the underwriting process of my mortgage in XXXX XXXX, the late payment was still noted on my credit report. I made multiple attempts via phone to Ally to obtain a resolution. Each time I received the same answer of we will escalate it to the credit department. When I asked for written verification of the XXXX decision, no agent could find any such notifications on my account.
During my first call on XXXX XXXX, I was told to expect a faxed letter in 48 hours ( call reference number XXXX ). When the letter did not come by XXXX XXXX, I called again. That was when I was told that not only could the reference number not be found, but that the information given to me on the XXXX was incorrect, as any letters could only be mailed ( in 3 to 5 business days ). At that point, I asked to speak with a supervisor with a promised call back that day ( call reference number XXXX ). I did not receive a returned phone call.
Since the returned call did not come as expected, I called yet again on the next business day, XXXX XXXX. This is when I was told a supervisor phone call request was placed on my account, but would take 48 hours from the time of request ( no reference number required as no new action was needed per the agent ). While the agent had no new or different news to give me, that day I received a fax of a Credit Reference Letter ( also dated XXXX XXXX ) which indeed showed the last payment recorded as late. I decided to wait for my call from a supervisor.
On XXXX XXXX, I received a faxed cover sheet ( just the cover ) with no other information attached. I attempted to contact the listed agents number as provided on the cover ; however the telephone extension was only 5 digits, and it required 7. ( Apparently Ally updated the phone system but did not update the listed contact information yet ). Since there was also an email address, I used that instead. While waiting for a reply, the Ally supervisor finally called. It was only then that I was told my original request ( in XXXX ) was denied, and the late payment removal would not be reconsidered. Additionally, he accused me of having this information already, which he states another agent told me verbally as evidenced by notations in their system, and he admitted Ally did not have any letters on file notifying me of the late payment while waiting for the payoff from the dealership.
On that same day, while I did not receive a reply via email from the email I drafted, I did receive another fax. It was a letter dated XXXX XXXX, which was the result of the investigation in which my original late payment request was denied.
The bottom line is I am requesting Ally remove the negative remark of a late last payment ( XXXX XXXX ) of my auto loan account with them. Not only was the company aware of the pending payoff from the dealership, but it did not alert me to the late payment status by writing, and instead chose to place a derogatory status on my credit report. Additionally, once Ally was notified of the error, it did not follow through by ease of customer service or proper investigation and reporting.
Thank you for your assistance in the positive resolution of this matter.
|
| 11/23/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/2021 and XX/XX/2021, I had XXXX fraudulent ATM withdrawals from my Ally Bank Checking account. I immediately reported it to the bank and had my bank card cancelled. The debit card was in my possession the entire time. I also immediately contacted the XXXX XXXX Virginia police department, specifically the Financial Crimes Division. A case was opened and assigned to XXXX XXXX XXXX. They believe my card was " skimmed '' and my card number and PIN were compromised. I also immediately contacted the XXXX store where the crime occurred. They reviewed the video footage and did see the perpretrator, which they confirmed was NOT ME.
Here is a timeline of the transactions.
All in all, XXXX transactions were made illegally.
There were multiple other attempts, but they were unsuccessful.
All XXXX transactions listed below are at the same XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX Cell On XXXX, XX/XX/XXXX, I never left my home, yet the following transactions occurred : XXXX ATM- {$200.00} XXXX PM-SUCCESSFUL XXXX ATM {$400.00} XXXX PM-SUCCESSFUL XXXX ATM {$380.00} XXXX PM-SUCCESSFUL Overnight, at XXXX AM, XXXX XXXX -DENIED-Wells XXXX ATM XXXX {$400.00} LOCATION : XXXX XXXX, XXXX VA ATM ID : XXXX XXXX XXXX ATM XXXX {$300.00} XXXX : XXXX XXXX, XXXX VA ATM ID : XXXX Sunday XXXX XXXX XXXX XXXX -DENIED-Balance Inquiry-CVS XXXX XXXX XXXX : XXXX XXXX # XXXX XXXX ATM {$380.00} XXXX AM-SUCCESSFUL XXXX ATM {$400.00} XXXX AM-SUCCESSFUL -- XXXX ATM- {$200.00} XXXX XXXX XXXX ATM {$400.00} XXXX AM ( Withdrawal Amount Limit Exceeded ) I left my home for the first time all weekend at XXXX Sunday the XXXX. I purchased groceries and then I checked my balance and this started the entire fiasco.
I contacted my bank and had the card deactivated, then I disputed the XXXX ATM charges in question. I then filed a form with XXXX Police after talking with Ally Bank.
Then, after my bank had turned off the card, the perpetrator attempted to use my cancelled card again.
Monday, XX/XX/XXXX -DENIED CVS STORE ATM WITHDRAWAL-Denied by Card Issuer XXXX -DENIED CVS STORE ATM WITHDRAWAL-Denied by Card Issuer XXXX *******Lastly, from XXXX AM on XX/XX/XXXX to XXXX AM on XX/XX/XXXX, there were XXXX denied transactions from : XXXX XXXX, MI ATM ID : XXXX I XXXX XXXX the verification letter from the XXXX XXXX Police, along with the Detective contact XXXX XXXX
Subsequently, Ally Bank, despite there being an ONGOING criminal investigation, denied my claim. They initially gave me a provisional credit for the charges, but then subsequently took back the credit and denied my dispute. I have appealed it multiple times but they continue to deny it with no credible reason. They have REFUSED to speak to the Detective on the case, despite there being an open investigation. The police believe my card was " XXXX ''. The video footage shows that the perpetrator was NOT ME. The photo 's have been distributed nationwide, per XXXX XXXX.
I am the victim of a crime. My bank did no investigation and refused to help me. I believe that the facts show that Ally Bank, blindly rejected my dispute, in the interest of not wanting to credit me with the funds stolen from my account. The reasons they provide for rejecting the dispute are not beared out by the facts. Multiple transactions were attempted in the days following the report.of the crime. Ally Bank claims, despite the evidence showing it, that no other transactions were attempted after the crime occurred. They also claim the transactions were not suspicious, and appeared normal. XXXX {$2000.00} were stolen from me. If my bank did not have a daily withdrawal limit, more would have been stolen. ATM transactions were attempted AFTER I reported it. Several were rejected because my daily withdrawal limit had been met. XXXX consecutive transactions were attempted and DENIED, XXXX days after I reported the incident. My bank claimed to conduct an investigation, yet they did not. They denied my dispute and promised to send me documentation as to why they denied it. They never sent me the information, despite demanding it twice. I feel victimized by the criminal who stole from me, and also by my bank, which turned a XXXX eye to my plea for help. They repeatedly refused to contact the police to discuss the case. They promised me documentation and did not provide it. The also rejected my appeal of the dispute and never notified me in writing, despite being required to do so. I will atttach all pertinent info.
The detective info is below : Detective XXXX XXXX # XXXX, XXXX XXXX XXXX Police Department XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX
|
| 09/10/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
XX/XX/XXXX I purchased my new XXXX XXXX XXXX and made regular monthly payments on time.
Due to unexpected financial difficulties, it became necessary for me to request a 60 daypayment extension.
XX/XX/XXXX I electronically accepted a 60 day extension agreement. The customer service rep said my next payment in the amount of {$160.00} will be due on XX/XX/XXXX.
XX/XX/XXXX I discovered I was supposed to have paid {$240.00} by XX/XX/XXXX so I called Ally. The customer service rep said she was updating my extension agreement and I paid the {$240.00} on line making the next payment due XX/XX/XXXX in the amount of {$160.00}.
XX/XX/XXXX I called customer service as I noticed my account did not reflect the payment arrangement. Spoke to XXXX who said the arrangement does not go into effect until I have made the other partial payment of {$160.00} on or before XX/XX/XXXX. She then became somewhat pushy trying to get me to make the payment today, ASAP. I finally told her I could not make it until between XX/XX/XXXX. In any case it will be made before XX/XX/XXXX.
XX/XX/XXXX Paid the {$160.00} that is due on XX/XX/XXXX. It will be posted XX/XX/XXXX XX/XX/XXXX I contacted customer service as I received a threatening letter dated XX/XX/XXXX from Ally stating I had until XX/XX/XXXX to pay the past due amount of {$770.00}!! NOTE : The letter is dated the day after I spoke to customer service on XX/XX/XXXX and was told my extension was being updated!!!
I was told the Ally customer service rep I spoke with on XX/XX/XXXX did not update my current agreement. Instead a new agreement was generated and mailed to me. Because the new signed agreement was not signed and returned everything expired.
It is important to note that not only did I not receive a new extension agreement, the customer service rep NEVER said an agreement was being mailed. Consequently, I did not know to be looking for one.
I was further told because I contacted Ally and paid the required amount Ally would be mailing me yet another extension agreement for signature. I requested it be handled electronically like the first one but was told that was not possible. They could only fax or mail. This made no sense to me and, when questioned, customer service had no explanation other than they could not email.
XX/XX/XXXX Today, XX/XX/XXXX, a full week later and I still have not received an extension agreement!!
XX/XX/XXXX I received the extension agreement dated XX/XX/XXXX ( almost a month late ) and it was mailed in an unsealed envelope with a postage meter stamp dated XX/XX/XXXX!!
Clearly, the information given to me by Ally customer service reps has all been inconsistent and untrue.
XX/XX/XXXX XXXX XXXX, a supervisor at Ally, called and left me a voice message to call her back. I called her back three different times leaving a voice message each time asking her to leave a detailed voice message for me and not just asking me to return her call. XXXX never called back.
I continued to send emails to Ally through their web site recanting my communication timeline with them and asking why they are not responding, why will they not honor my 60 day extension agreement, what is Ally trying to pull? Is it their intent all along to repossess my XXXX since I owe very little on it? Ally never responded to my later emails.
XX/XX/XXXX Again, I called Ally customer service as I had received yet another letter dated XX/XX/XXXX telling me I had until XX/XX/XXXX to pay the past due amount of {$1000.00} or risk repossession. This amount includes the two payments I was to have been given the extension for plus the added penalties.
I ended up speaking with XXXX XXXX who said she was a supervisor ( ID # XXXX ) and told me she sent an email regarding my complaint to the Escalation Dept. XXXX further said I dont need to worry about repossession as this is still under investigation and no repossession order has been issued. I said an investigation does not take this long. Ally has been given all the dates and if all calls are recorded as they say they just have to pull those dates.
I told XXXX that considering the lies and runaround Ive been getting from Ally the past 2 months I would like for her to forward me, via email, a copy of the email she sent the Escalation Dept and document what she told me about not needing to worry about repossession because at this point I do not trust anything Ally tells me. I need documentation. XXXX responded that she is not allowed to send emails.
Clearly Ally does not want any of their communication documented which tells me they are trying to hide something.
|
| 12/16/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
XXXX XXXX the vehicle was turned into the dealership where we purchased it, the lease did not end till the beginning of XXXX XXXX but they allowed me to turn it in early and under the allowed mileage, we did n't need the vehicle anymore. When the vehicle was returned I went over the vehicle with the salesman, and my father was present also. I made the salesman aware of the trim on the drivers side front door, the trim had begun to lift so we then went and got the body shop XXXX and he stated that they would be able to fix the trim and I agreed to pay for the repair before the vehicle would be given back to the lease company. The next day the body shop XXXX contacted me at my home and I paid for the repair over the phone with my debt car. Besides the trim on the drivers side front door the vehicle was in excellent condition and the salesman assured me that the lease company would give me no problems after they inspected it. So at the end of XXXX XXXX we receive a bill for over {$1000.00}, I called the lease company and the instructed me to go to their website and I could view the inspectors full report, I requested that they mail me out the report and all the pictures because my home computer was n't working, they refused on multiple occasions. I was able to view the report a few days later at my job and seen that they had also charged me for the lifted trim on the drivers side front door and they claimed that the tires were bad. There was pictures of the inspector measuring the tires, you can see in the pictures that the tires were measured on the outer edge of the tire, where the tread was the shallowest, in the XXXX, it is stated that the tires must be measured from the center or the deepest tread on the tire, which it was clearly not. The vehicle had XXXX miles on it and I do believe the tires were XXXX mile XXXX tires, and they had warranty on them. Of coarse I called the lease company after seeing this and they stated that there was nothing that I could do about it and I was just suppose to pay the bill. I also emailed them the online receipt 3 times for the trim repair and they claimed they never received it, the XXXX person I talked to, told me they receive thousands of emails a day and they just could n't find the one I sent them. Now the real kicker in the this is that the dealership where I purchased the vehicle from, bought the vehicle from the lease company, so I have pictures of the vehicle after the dealership purchased it and before it was for sale on their lot, and the vehicle is a XXXX out of XXXX, it still had the original tires on it and the trim is repaired. I once again called the lease company and explained this to them with no success, they did not want me to send them the pictures I had, all they told me is that I have no say in the matter and I am just suppose to pay the bill, I then stated to the lease company that I will be contacting my state attorney general about the matter and the lease company hung up on me. I then contacted my state attorney generals office and filed a complaint with them, I mailed them every piece of documentation we had and all the pictures, around the end of XXXX XXXX we then received a bill from the lease company for {$700.00}, so once again I called the lease company, because there was no explanation of why the bill decreased, I was told by the lease company that we received a good costumer discount, since we filed a complaint and I needed to now pay the new amount, I once again told the lease company that it was in the hands of my state attorney general and they hung up on me. The lease company has called my cell phone all hours of the day, they tell me that I am being recorded and that I am suppose to pay my bill, I then tell them that the matter has been turned over the my state attorney general and they hang up on me. I have spent hours on the phone with the lease company and have got no where. We are now getting harassing letters from them, threating to turn us over to collections. At the end of XXXX XXXX we received a letter from our attorney general, stating that they could n't get anywhere with the lease company and wanted to know if we wanted them to keep pursuing it, we mailed them the latest bills we had received and told them to keep on them. This lease company is the most difficult company I have ever dealt with. They are plain in simple trying to take advantage of us, I am tired of their threating letters and harassing phone calls, we did nothing wrong, we never missed a payment, never abused the vehicle and did everything according to the contract.
|
| 02/08/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
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Car loan was refinanced XX/XX/XXXX by another bank and a certified bank Cashier 's Check was sent to ALLY for {$11000.00} at the address directed by them. The amount needed for payoff good through XX/XX/XXXX was {$11000.00} plus two additional days per diem of $ XXXX/day was added in order to ensure they received enough funds to pay loan off. Check referenced customer 's name and account number and was endorsed by two bank employees as required by issuing bank. Ally received check and applied on XX/XX/XXXX to loan in order to pay it off. Ally issued a letter stating that loan was paid off and directions on how to obtain clear title, notarized letter stating lien was released, original credit sale agreement marked paid in full XXXX XX/XX/XXXX, and a refund check for the overage of payoff of {$15.00} was sent back to customer. Customer received original title free and clear in mail sometime after and new bank refinancing added their lien to the title at that time. On XX/XX/XXXX customer contacted bank that refinanced car loan because she received a statement showing that she had a payment due to Ally XX/XX/XXXX. This statement also showed that the total payoff was paid on XX/XX/XXXX. Bank that issued Cashier 's Check looked up and saw that check was never cashed but also that it was never returned to the bank. Neither bank issuing check nor customer were ever contacted to say that check was not accepted. Customer called Ally on XX/XX/XXXX reference # XXXX and XXXX told her that check was reversed from payoff and that payment was due however he couldn't get any further information as to why payment was reversed due to payment processing center being closed and to call back Monday. Bank issuing Cashier 's Check and refinancing loan called Monday, XX/XX/XXXX reference # XXXX and was told that XXXX XXXX XXXX refused the check and sent it back to Ally and that Ally shredded the check and never notified customer or bank of issue. Bank requested that a supervisor review and manually send a payoff for the same amount that was sent in XXXX since check was valid and accepted for payoff and that bank issuing check would send a check for the same amount in order to resolve. However, bank nor customer would not send a check for amount now showing due since more interest has been accruing and customer nor bank were never notified that check was refused after they were notified that it was accepted and loan was paid off. Bank was transferred to XXXX reference # XXXX on XX/XX/XXXX who was going to request a supervisor to review in order to waive additional charges after payoff and would send payoff to bank. Payoff was faxed to bank on XX/XX/XXXX for {$11000.00} which is {$180.00} more than what was collected for payoff XX/XX/XXXX when originally received by Ally. Ally was called on XX/XX/XXXX by customer and bank jointly and spoke with XXXX in order to request that the payoff be dated back to when original check was received and that by Ally issuing all the documentation stating that the loan was paid off and not notifying bank or customer that check was sent back to them by their bank XXXX XXXX XXXX that it was harmful and deceitful to charge the customer additional interest and payments after payoff was received. XXXX stated she would send request to a Supervisor and that a Supervisor would call bank back to discuss the payoff. Supervisor never called bank back so again on XX/XX/XXXX bank called and spoke with XXXX at Ally again reiterating the problem and all the details. XXXX was going to talk with XXXX and again send a request to Supervisor to call back bank to try to resolve. No call was ever received by bank from a Supervisor. XX/XX/XXXX bank again called and spoke with XXXX at Ally reiterating the problem and all the details again and letting XXXX know that bank spoke with her on XX/XX/XXXX as well as XXXX on XX/XX/XXXX and that after both of them requesting a Supervisor call to resolve this issue no calls have ever been received back by bank from any Supervisor. XXXX promised to send through the request to Supervisor to call back bank in order to resolve. Still no call has ever been received by bank from any Supervisor at Ally. All the bank that refinanced the loan wants to do is try to get this loan paid off and Ally not only shredded the first check that was sent to them now they refuse to respond to numerous calls from bank and customer. They also want to make the customer pay additional payments and interest on a loan that should have been paid off over a month and a half ago.
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| 08/10/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Other transaction problem
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Web |
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The situation consisted of a fraudster posed as a member of law enforcement. Specifically, the fraudsters involved were impersonating the XXXX XXXX Sheriff deputies, who falsely accused me of contempt of court and failure to appear, while also imposing monitoring in place orders. To avoid jail time and criminal charges, the fraudsters demanded through scare tactics multiple bond payments and was in constant contact through every financial transaction that took place. The fraudsters initiated the P2P transfers via XXXX and XXXX and forced us to complete multiple transfers. At no time did we receive any benefit from the transfer. In fact, we suffered from financial loss. On XX/XX/2023, I initiated disputes with Ally Bank for transactions that debited my Spending account ending in XXXX between XX/XX/XXXX and XXXX, 2023, 11 transactions, totaling {$13000.00}.
On XX/XX/2023, Ally Bank took proactive measures to thwart fraudulent activity associated with XXXX by initiating an account lock due to an inability to verify the account holder 's identity. In addition to the unusual nature of multiple transactions, Ally Bank possessed evidence of an unauthorized transaction within the P2P account linked to the same individual involved in the other transactions.
On XX/XX/2023, a phishing text was disseminated, with one of the fraudsters attempting to impersonate Ally Bank. This incident was promptly reported to Ally Bank. Regrettably, Ally Bank 's subsequent investigation failed to acknowledge this occurrence or establish a connection to the ongoing fraudulent activities. In response, we received a standardized response from Ally Bank, stating, " We are committed to protecting the personal information of our customers. We always encourage customers to pay very close attention to any unusual activity on their bank accounts and debit/credit cards. '' Unfortunately, Ally Bank has yet to recognize the potential linkage between these events.
Ally Bank denied these disputes due to Regulation E, as a non-covered transaction which include : Merchandise ordered but not received, defective merchandise, wrong merchandise received, service not rendered, 3rd party NSF fees ( e.g., Return Check Fee ), transactions processed by a 3rd party processor, customer provided debit card ( DC ) and PIN information to another person ; however, failed to contact us to inform us they had revoked the other persons authorization to use the DC. Ally Bank stated : Additionally, XXXX is a service that is used by a number of financial institutions and allows individuals to send and receive money with almost anyone who has a XXXXXXXX XXXX account by using their email address or a U.S. mobile number. XXXX is intended for sending money to family, friends, and other people you trust. You should not use XXXX to send money to recipients with whom you are not familiar or do not trust. When you enroll to use XXXX as an Ally Bank customer, you agree to its terms detailed in the Ally Bank Online Banking Services Agreement, Version XXXX, effective XX/XX/2023. Further, subject to our obligations under applicable laws and regulations, you agree that you, not Ally Bank or XXXX, are responsible for resolving any payment or other disputes that you have with any other user with whom you send money to, or receive or request money from, using XXXX.
We are under the impression that the Electronic Fund Transfer Act ( EFTA ) and Regulation E are applicable to P2P payments like XXXX and XXXX. This applies particularly to instances where a consumer is deceived into performing an Electronic Fund Transfer ( EFT ), which subsequently renders the transaction unauthorized due to fraudulent inducement. 12 CFT 1005.2 ( M ). I am also of the understanding that the Electronic Fund Transfer Act ( EFTA ) incorporates an anti-waiver provision, which stipulates that " [ n ] o writing or other agreement between a consumer and any other person may contain any provision which constitutes a waiver of any right conferred or cause of action created by [ EFTA ]. '' ( 15 U.S.C. 1693l ). This provision emphasizes that an agreement can not curtail a consumer 's rights beyond the scope defined by the law. Any contractual arrangement that attempts to limit these rights is deemed a violation of the EFTA.
I am requesting that this dispute be evaluated to ensure all regulations are being followed and that as a consumer I am being protected against fraudulent activity. Furthermore, I am requesting my account to be credited {$13000.00}. Thank you,
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| 05/18/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Problem with the payoff process at the end of the loan
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Web |
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I had an auto loan with Ally that was paid off in XXXX, XXXX XXXX. When preparing to sell the vehicle, I discovered that Ally never released the lien on the title with the Virginia XXXX. I called Ally on XX/XX/XXXX to have them provide a lien release letter to me so I could visit my DMV and obtain a title so I could sell the vehicle. The representative advised me that Ally is unable to email documents, has no brick and mortar locations to pick up documents, and can only be mailed ( 7-10 business days ) or faxed. I advised the representative I am working from home and have no access to a fax machine that day, so please mail the document and I will call back with a fax number once my wife is in her office.
I called back on XX/XX/XXXX with a fax number and was told they can not fax the document for 24-48 hours. Having a DMV appointment that evening, I requested for the representative to call the department to see if it could be expedited. When the representative refused, I requested to speak with a supervisor.
When the supervisor came on the line, they did not have any account information of mine to review, and simply reiterated that they could not rush the process. I asked them if they could please call the support office, and the supervisor said they can not because they department does not take phone calls. I requested to speak with someone who can contact the department, and was offered their manager. I was then placed on hold for two hours and 48 minutes without anyone coming back to check in. To date I have yet to receive an explanation as to why this happened. While on the phone, I utilized facebook to send a message to ally explaining the situation. I was told I would receive a call.
I then hung up and immediately called back, requesting to speak with a supervisor again. I was told that the fax was sent over an hour ago. My wife checked the fax machine and there was no fax. I called back again and advised the rep that the fax was not received. The rep advised me she would call the department to request it be faxed again, which I assume was the same department that could not be contacted in my previous phone calls. The rep returns to the phone to advise that it can be refaxed, but will take another 24 hours so the department can ensure all info is up to date. I am not sure what information would have changed within the hour that would cause them to want to retain the lien on a vehicle that was paid off in XXXX.
At this point I received a call from the executive office of ALLY. I provided all information on the situation and was advised by the employee that they would research and call me back. I stressed that I had an appointment with the DMV that evening and needed this situation handled by XXXX XXXX EST. I was advised that they could not guarantee it could be completed, but they would definitely call me back. I never received a call back for the remainder of the day. I sent another facebook message to the company that night expressing my displeasure.
The following day, XX/XX/XXXX, I received a call back from the employee from the executive team that I previously spoke with, and he advised me there still was no update. I asked him why I was not updated prior to XXXX XXXX EST yesterday when he was advised of the pending DMV appointment. The employee became somewhat confrontational, advising me he never told me WHEN he would call me back. I then advised him that while no specific time was provided by him, it is good customer service to call back with any update if they are aware that this is a time sensitive issue. The tone of the representative was that he was doing me a favor for looking into this situation.
As of writing this letter, I have yet to receive any updates on why there is still a lien on the title to a vehicle thats loan was paid off in XX/XX/XXXX, why I was placed on hold for almost 3 hours, and I have yet to receive a lien release letter. The next available DMV appointment is a month away. This issue has caused me to lose the sale of my vehicle, and to delay the purchase of a new vehicle, and to miss out on the vehicle I was looking to purchase. While I do not have exact number, this situation stands to cost me thousands of dollars due to the missed opportunities to sell and purchase a new vehicle. The customer service received over the phone is some of the worst I have ever experienced. I have informed the company that I will also be moving the {$72000.00} invested with Ally Bank as well due to this experience.
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| 09/02/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
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Web |
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I recently had a vehicle illegally repossessed ( 10 days ago, last Wednesday XX/XX/XXXX ) and have not been able to find out where to go to retrieve it. Furthermore, my personal property is still with the vehicle, and the bank has told two dealerships they have already sold the vehicle to auction, but I was never provided a Notice of Sale, or any information about where the vehicle was taken before, during, or after the repossession. It has been over a week, and I still am being told by the bank they don't know where the vehicle is.
I am a father of XXXX boys and have a fiance and stepson. We are a family of XXXX. They are all depending on me and this Truck to XXXX XXXX XXXX. I believe I have been robbed of my family vehicle/ business asset. I use the truck to XXXXXXXX XXXX XXXX XXXX XXXX XXXX utilizing my XXXX. My business operations have completely stopped. I have nowhere else to turn. I know what has happened is illegal. The day they took it they said I had 5 days to get them the funds, and the next day they told myself and a sales Rep from XXXX XXXX ( XXXX XXXX XXXX ), that they had already sold the vehicle to auction with no receipts for the repossession or a Notice of Sale.
The repo agent did not have any paperwork, he refused to give me any details on where my vehicle was going, and they removed my LICENSE PLATE. All he said was speak to your bank.
I called Ally Bank while still in his presence, and the bank told me it was a formality, and they would bring the vehicle back as soon as they received funds.
Since the moment the truck left They have lied repeatedly to me and 2 dealerships about what steps need to be taken to gain access to the vehicle. They told me I could not get my personal property until they were paid in full. I have tried to pay them SEVERAL TIMES. They told me they could not accept payment directly and to go through a dealership, which is what made me reach out to XXXX XXXX.
My mother cleared out her 401K so that I would have the cash in time WHICH I DID. They refused payment while the vehicle was still in my possession and stole it the next morning via an illegal repossession, and I have been unable to locate the truck to pay it off, or even gain access to it to retrieve my personal property. Ally has continually given me the wrong information, including telling flat out lies about what I needed to do to get my truck back. They are still continuing to waste time and are still hiding my personal property from me as well. They are trying to waste time so I can not buy the vehicle ( Which is my legal right, after paying the lease off in FULL ).
I have a quote from the dealership ; it clearly shows that I would owe more than {$4000.00} more to return the vehicle. It would be {$34000.00} to purchase out right. OR {$38000.00} to return the vehicle due to the mileage.
I leased the vehicle 4 years ago, I paid the lease off IN FULL, and made an extra payment on the account after the lease ended because I was told I had an extension, and I have been trying to buy this vehicle for the agreed upon price, and they stole it after refusing payment, and are now pretending it is gone/lost/sold.
Additionally, I have put over {$20000.00} of my own money into the truck to keep it running including {$7000.00} in XXXX.
Currently, I am unable to work and XXXX XXXX XXXX. This entire situation has been insane. I also do have a willing witness, from XXXX XXXX XXXX XXXX. We have called ALLY BANK Dealer services and XXXX XXXX XXXX divisions several times together attempting to pay the vehicle off and they have repeatedly told the both of us, that they have sold the vehicle to auction, and do not know where it is.
In Indiana They have to provide a Notice of Sale and wait 10 days after a vehicle repossession before the vehicle can be sold to auction they have hid my truck for 10 days now waiting to legally sell it, and then come after me for {$40000.00} in additional money for the mileage on the vehicle!
The dealership was supposed to be getting the truck back. it has been gone over a week 10 days to be exact, and I have not heard from the dealership in XXXX, IN. since Monday XX/XX/XXXX I was speaking with the Finance Manager XXXX XXXX of XXXX XXXX and XXXX, in XXXX, IN. He has not returned my calls since Monday afternoon, and an email was sent to his boss General Manager XXXX XXXX on Tuesday XX/XX/XXXX. No reply thus far. I have also called his office phone which he has not returned any of my attempts to contact him
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| 11/13/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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To whom it may concern I have contact ally and explained them my financial hardship situation thats been going on for about 12 months or a bit less.
I have emailed them a request for assistance to help me get an immediately extension for 2 month so that it can help me get back on track with my payments once for all.
I know and understand they have help me several times and Im very thankful because they always been there for me on hard times.
I am really sorry that I have to go thru this again and ask them for help again. But unfortunately my grandmother health has been my major financial hardship situation and problems with her health as she is an elder lady of XXXX years old.
In my request I mentioned Them all of my concerns and submitted pictures of her recent XXXX and aware them of the cost of everything we been thru and the cost of her XXXX and medications and her appointment they are not free.
They froze my account last month of XXXX and I had to use XXXX XXXX XXXX XXXX because they couldnt allow me to use my mobile app to make payment since the car was ordered to be repossessed.
I had no choice but to ask my landlord for a loan to pay them a month payment of XXXX by not doing it my car would be repossessed.
I know they help me several times already but that doesnt mean they have to treat me bad or denied any help options or alternatives since I have been on time most of the time within the past 3 years this year has been the worse for me as I been having a lot of problems under the circumstances that my grandmother health is causing at this time but her life is first I also stated that I been working less hours at work but its only a temporary thing it always slows in winter time but the most important thing is to communicate with ally as my loan service and see my payments Alternatives before taking any actions against me as Im experiencing difficulties with my financial needs difficulties with my grandmother health.
It wish ally had more affordable payments and wish they even lower my payments without having to refinance or going thru. Rewrite department.
The way they help people out can sometimes denied you help wen ur struggling beacause of a family emergency in this case my situation.
Some times I feel like they dont believe me and might thing that Im a lier but this is really happening people and as much as I try to become current Im always a payment or two behind and as I explained my self to them most of the time they dont care and the representative will be well it not guaranteed that they might help you or give you and extension.
It is my priority to keep my car and get caught up and make my payment in time.
This situation has also generated late fee charges and its ridiculous gone up to XXXX or more in late fees as they been generating.
Im begging ally to accept and help me get 2 months or 3 month extension to get current even if they add all the past due Yo the end of the contract I know those payments can be paid at the end or if any other best way or option even better.
Only if interest for a 12.19 % Ive paid about a good XXXX on interest if not maybe more. and for the first 3 years I never failed Any payment since I didnt had any or much family health issues or financial hardship situation like right now. I know they can help me find a way so that i wont be panicking on how to become current in a small period of time since they make me panic and i feel stress out thinking Im going to loose my car. Also a lot of things have been replaced in my cAr I was very disappointed that XXXX XXXX denied me to fix the repairs while my car had a manufactured warranty that cover the repairs I did but they refused to do so that cost me money out of my pockets money that could hVe been used to pay my car payments etc. 2 times they denied me the warranty parts insurance I had they didnt value it I end up paying XXXX for two sensors and replaced the battery twice everything should have cover me with the warranty insurance I had.
Now the most important tia to ask ally for help.
Help me get current I recently made a one time payment of XXXX thru XXXX XXXX XXXX XXXX on XX/XX/2018 Im behind 3 payment please help me by adding this past due amount added into the loan and possibly have those 3 month payment dude by adding them to the loan by extending the months
to 3 more months payment addd to the end of the contract or any better solution. Help me now before my car can ho to re
ppo as Im trying to avoid it
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| 03/18/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I received a later in my school email about a secret shopper opportunity. It said I would receive more information in the mail. A few weeks later, I received a check in the mail with a questionnaire. Before I made the deposit, I called the bank that the check was drawn on just to make sure. The bank employee confirmed it was not a good check. I thought okay maybe they had nothing to do with the school. I did not deposit that check. A week or so after that I received another check. This one was drawn on XXXX XXXX. I called two or three XXXX XXXX banks- and they all told me they could not confirm whether it was a good check ; they told me to deposit it and my bank would go through the check verification process.
Then I called my bank, Ally Bank to ask how they confirm checks. They told me the funds would be available within two days. I asked specifically if that is when they would know if it is a good check. I was placed on a brief hold, then said something that did not answer my question, but repeated that the funds would be available in two days. I decided I would deposit the check in a separate bank account that I rarely use and let the money sit for a week so I knew for sure the funds were good.
As I was told, XXXX XXXX dollars was available within two days, which was Friday XX/XX/XXXX. Then the entire check became available over the weekend. Still, I let the money sit there because I did not trust that it had been verified. On Monday morning, I went to the store to buy some groceries but when I tried to use my debit card, it was denied with a message that read " not authorized ''. I figured it must have something to do with the check. However, I have two checking accounts with Ally. My primary checking account has my direct deposit and my debit card linked to it. I did not think the bad deposit would effect my primary account.
Either way, I knew I would need to call my bank. But obviously, I do work- XXXX jobs and the day went on and I forgot to call. The next day I tried my debit card again. It was declined yet again. I must mention that the account I deposited the bad check in- is not linked to a debit card. I called Ally Bank three times and was put on hold the first time for twenty- five minutes, then over thirty minutes, finally I had time to stay on hold when I got off work and waited almost an hour and a half before speaking to someone.
The representative was rude and impatient with me as if this was inconveniencing her. I asked why my account that had verified funds was froze. She said they can do that. I asked why I was not contacted? She said they would contact me in 48 hours even though it was six thirty eastern time in the evening and I called them myself three times. The freeze started yesterday morning before I even made it to work. So the forty- eight hours was running out. I received no call from them nor an email. I have received emails in the past from them and communicated that way. I have been a customer for several years so I did not understand why they would not reach out to me.
This would not be so bad if it weren't for the coronavirus pandemic happening presently. So, I needed my funds to get groceries because I was going to be home more. My job is about to change to working from home until further notice. I was told they were doing an investigation and did not give me a timeline of when the investigation would be completed.
I have a number of concerns with the way this was handled. First, they were not going to notify me. I called them three times between XXXX and XXXX on XX/XX/2020 and was on hold each time with an estimated wait of fifteen to thirty minutes, although that proved to be false. For them to put a freeze on someone's account that has good money in it, for funds in another account that has bad money, that has not been touched- I don't comprehend. If I wanted to steal the money, I would have withdrawn it over the weekend- when it was available. They suffered no loss because I never touched the money. All they should have done was reversed the deposit and reached out to their long time customer to inquire about the deposit.
As you know from this complaint, they never reached out to me, and I am still waiting to gain access to my checking account which receives my direct deposit. I would appreciate it if you would work on my behalf to resolve this matter in a timely fashion and advise Ally Bank to adhere to the bank regulations that are designed to protect the consumer.
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| 09/07/2021 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
Servicemember |
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On XX/XX/2020 I, XXXX XXXX XXXX engaged into a " consumer credit transaction '' with Ally Financial in which a " Finance Charge '' was involved " Amount Financed '' ( {$62000.00} ) and " Total Sale Price '' ( {$81000.00} ). Pursuant to ( 15 USC 1605 ) -Determination of finance charge-Finance charge defined- Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. Ally Financial also took individual action to demand a " Down payment '' in the amount of $ 20,664.33.00. Pursuant to ( 15 USC 1662 ) -Advertising of down payments and installments- which states- No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. ( 2 ) that a specified " down payment '' is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges down payments in that amount. Pursuant to ( 15 USC 1635 ( b ) ) -Return of money or property following rescission- which states-When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, down payment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. If the creditor has delivered any property to the obligor, the obligor may retain possession of it. Upon the performance of the creditors obligations under this section, the obligor shall tender the property to the creditor, except that if return of the property in kind would be impracticable or inequitable, the obligor shall tender its reasonable value. Tender shall be made at the location of the property or at the residence of the obligor, at the option of the obligor. If the creditor does not take possession of the property within 20 days after tender by the obligor, ownership of the property vests in the obligor without obligation on his part to pay for it. The procedures prescribed by this subsection shall apply except when otherwise ordered by a court. After thoroughly reviewing my contract I also noticed that Ally Financial had included my " Right to Reject the arbitration agreement '' but failed to provided me with the appropriate form of written notice published and adopted by the Bureau ( CFPB ) for my " Right of Rescission ''. ( 15 USC 1635 ( a ) ) - ( a ) Disclosure of obligors " right to rescind '' which states- Except as otherwise provided in this section, in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest, including any such interest arising by operation of law, is or will be retained or acquired in any property which is used as the principal dwelling of the person to whom credit is extended, the obligor shall have the right to rescind the transaction until midnight of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter, whichever is later, by notifying the creditor, in accordance with regulations of the Bureau , of his intention to do so. The creditor shall clearly and conspicuously disclose, in accordance with regulations of the Bureau, to any obligor in a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section.
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| 04/28/2017 |
Yes |
- Vehicle loan or lease
- Lease
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- Getting a loan or lease
- Fraudulent loan
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Web |
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On XXXX I went to " XXXX XXXX 's XXXX XXXX XXXX XXXX '' dealership in XXXX XXXX , California. I was sent there by a friend of my uncle who claimed that because he knew the sales manager, I would get a good deal. 1. My credit sc XXXX is XXXX . I 'm a 1st time buyer, never had any loans, perfect payment history on two credit cards.
2. The Dealership general sales manager, XXXX XXXX welcomed me and my partner in his office on arrival. We started talking and I told him I was applying for a pre approval through XXXX XXXX XXXX and I was approved fo r 54k. H e said that we are not going to do it with them, but with a company called Ally, because they are more likely to approve me, being a first buyer, even with my credit score.
3. First offer for a 3 year lease, 12000k miles a year, on a 49500 $ MSRP car : 7500 $ down , 650/mo.
Second offer, after pretending it 's the best he can do : 7500 down, 580/mo. 4. At that point I showed him a text message from a friend 's friend, that says he can get me the same deal for 2500 $ down and 509/mo. XXXX left the office. 5. About five minutes later, before XXXX came back, I 'm getting a call from my uncle saying he is very disappointed at me because his friend called and he is furious about me asking anothe r ( what I then found out ) broker.
6 . XXXX came back with last offer : 2500 $ down and 495 $ a month. I said I want to make it 5000 $ down and reduce my monthly payment accordingly. He said ok and started the paperwork.
7. We moved to the of fice of XXXX XXXX , which I think is the finance manager. XXXX was very smiley and everything went very smoothly as long as I was signing papers. 8. I then saw on one of the pages the figure 6. 5 %. I asked XXXX what is this and she said it 's the interest rate, which equals to XXXX money factor. 9. I aske d XXXX : " is this a good rate for my credit score? '' She replied : " yes, it 's a pretty good number ''. For them.
10. I was frustrated, tired, and pressured to get a car. A month before that my old car has been totaled and by now I was already paying a week of rental car after the insurance paid their pa rt. XXXX knew that from the guy who sent me to him. I needed the truck for work. I 'm doing gates and garage doors repair and the car I got from insurance XXXX me from working. XXXX knew that as well. 10. I signed the deal, and there it is : Car i s a XXXX XXXX XXXX XXXX . XXXX miles, 36 months. Gross capitalized cost : XXXX $ Capitalized cost reduction : XXXX $ Adjusted capitalized cost : XXXX $ Residual value : XXXX $ Depreciate and amortization : XXXX $ Rent charge : XXXX $ Total payment : XXXX {$36.00} payments of XXXX $ + XXXX $ tax= XXXX $ XXXX . APR 6.5 %. Money Factor XXXX . I went to XXXX dealership the next day and got the following deal : Car is XXXX XXXX XXXX . XXXX miles a year. 39 months. Gross capitalized cost : XXXX $ Capitalized cost reduction : XXXX $ Adjusted capitalized cost : XXXX # Residual value : XXXX $ Depreciate and amortization : XXXX $ Rent charge : XXXX $ Total payment : XXXX {$36.00} payments of XXXX $ + XXXX $ tax= XXXX $ XXXX . XXXX charged me XXXX $ at signing for a refundable security deposit because I 'm a 1st time buyer. Acceptable, I 'll get it back at lease end.
11. Came ba ck to XXXX dealership with the two le ases. XXXX treated me very badly, tried to tell me XXXX gave a better deal because they have incentives and rebates and dealer cash and so on, despite this being unrelated to the overpriced rent charge. He did n't respect the fact I caught him and was very rude to me, even though I 'll admit I was rude back to him. 12. I told XXXX that I would accept my down payment back ( 5000k ), even though compared to XXXX their price was aroun d 7000 over. He did n't accept my offer. In fact, when I asked for a calculator, he said I have one on my phone. I left.
13. O n, XXXX XXXX I called XXXX XXXX XXXX customer service and told them the story. They couldnt help and referred me back to financing company and dealership. 14. I called Ally smartlease.
The 1st re presentative was rude and giggling at my frustration. I asked for a supervisor and spoke to chiqui. She said there is nothing she can do and referred me back to dealership. This is where the situation is right now.
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| 09/01/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Servicemember |
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XXXX XXXX My name is XXXX XXXX and my address is XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXwe purchesed an XXXX XXXX XXXX XXXX XXXXXXXX XXXX using my ally credit card. on XX/XX/2023 and recieved it on XX/XX/2023 for our XXXX XXXX XXXX son. I picked up the package from XXXX XXXX XXXX and brought it home. My son open the box and proceed to set up the XXXX it synced fine but he noticed that it on the app he didn't have special noise cancelation feature ( spatial audio ) and he couldn't lock it at all and he said it felt lighter than the previous one he had. ( it was stolen last year from gym locker so he saved his allowance and purchesed a new one this year. ) I assured it maybe it's a new model so it's more lighter and compact. He still needed help to see if he can lock it and the noise cancelation feature we called XXXX. We spoke to 3 technician who stated it should be able to lock and have that feature he wanted. We would have to send it in and let them take a look but it could take up to 45 days. We said no its better to return it and go into XXXX XXXX and get one. Even though they didn't have the same color but no long wait and we were going on vacation XX/XX/2023 for 3 weeks. So I called XXXX and got the return number and a prepaid label rhe next day XX/XX/2023. We mailed it back via XXXX and I asked for a receipt confirmation with weight. Which I have enclosed on XX/XX/XXXX I recieved an email stating the wrong item was sent back I need to return the right item. I was furious I called immediately spoke to a XXXX representative demanded to know what item was recieved since the email didn't say. He said he was not sure but on the notes he said they recieved an empty box but since it's another merchant that's XXXX they do not have much more information. I told him I was not pleased that he can not help me because I did not buy the item from XXXX it was from XXXX so not contacting anyone else only XXXX.
He said the email I received I can directly email them because he can not help me .I emailed them same day XX/XX/XXXX and explained I sent the right item back just as we recieved it only open to set it up but It had to flaws and was malfunctioning. I sent pictures that I took and demanded my money. On XX/XX/XXXX I have got a response saying my email address doesn't match what they have I only have one email I use for XXXX only one account do they can not help me. Over the next 2 weeks I called several times. On XX/XX/XXXX I called and spoke to XXXX who stated XXXX did not recieve the item at all so give it until XX/XX/XXXX. I told her they recieved it from XX/XX/XXXX as the XXXX tracking stated she said dhe would escalate it and someone will contact me in 24 to 48 hours no call or contact from any XXXX employee.
The merchant terms were to return within 15 days I return the next day .I have enclosed pictures email proof and tracking information about this situation I have been an XXXX XXXX customer for over 13 years and never had any issues returning anything I have spent thousands of dollars buy electronics phones and TV etc. I just want my money back because I returned thier product so I do not know once the weight was verified and I handed it to XXXX I do not know what happened at the facility or XXXX XXXX or sorting station it could have been stolen at any point but I know the headphones were sent back I do not have them. It was not use to us because the it was malfunctioning and the important features that my son wanted was working.
I was so furious I XXXX XXXX XXXX and empty box delivery and I have seen thousand of consumers who has the same issues as me they have end back XXXX products and ended being told XXXX empty or wasn't recieved so I am not the only one it's either XXXX or XXXX problem but some one is stealing and tampering XXXX returns and these companies need to ne held accountable. I can not lose my almost XXXX for something I returned I have tracking and weight and ur telling wrong item and empty box and then oher employee saying they didn't recieve it that's ludicrous. And not fair. My money has been tied up since XX/XX/XXXX and no help from anyone. I emailed the one contact they gave and they saying they can't help because it's wrong email when it's my XXXX email and only one I use. Ally bank has to help and be the middle man to protect consumers I am not the only o e this XXXX XXXX XXXX scam is affecting please help us get our money back.
Thank you, XXXX XXXX
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| 11/27/2021 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Funds not received from closed account
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Web |
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This is complaint for Ally Bank. If they had an better procedure for replaying to queries based on their own responses this would be unnecessary. But they do not they do not even put their return phone number or email down on their letters they write in response, so i must file a news complaint.. I have sent them many emails via their own secure email platform they used to contact me. I sent XXXX messages back to them since last week without even so much as acknowledgement in response. But right now Ally has XXXX separate things going on right now that are causing difficulty and are infringing upon my rights as per federal regulations for consumer banking.The first is that they are trying to close my account and tried closing it on on XX/XX/XXXX. But on XX/XX/XXXX XXXX still had no idea they had sent me XXXX letters stating that the were closing my accounts and I filed some disputes that I had been trying to work out with the merchant. So that is the second thing and both the account closing and the disputes are causing difficulty, are in my mind unrelated and that is why I am writing yet another complaint.
I appreciated the response with the XXXX letters and copies of XXXX sheets that show every provisional credit that has posted to my account openly after thjey were closed and curiously, after closing checks were even mailed! Ally did everything they could do not give me a provisional credit amend the rules are considerable and are included in this filing. They sent me XXXX closing checks by snail mail, It did not have these balances. The letters included in this complaint both say unequivocally that I have every right to access those funds while they investigate and the but the letters do not explain just how I am supposed to exercise my rights and get to my funds anbd they leave jjust how I should go about doing that unsaid. But they said it so emphatically I believed them. I set up an ACH transfer and wrote XXXX checks to myself to deposit locally at my XXXX account after I got those letters. I asked for clarification and they did not respond. There is no mention of any account restrictions whatsoever. And yet when I called today to speak with XXXX XXXX, they told me that that since my account is closing they said it has been restricted since at least the XXXX if not the XXXX of XXXX and were restricted well before the accounts were provisionally credited, which leads me to believe this was their intention all along. So either the client relations and back office is completely oblivious, or they are playing frames and, I feel I have been lied to, and even through they explicitly claim that I have access to those funds, that is not true at all. They cancelled my cards, will not let me activate a new one that was sent to me. Even worse I took their letter literally. They both say in absolute terms that you may have full I use of these funds while we investigate ( the other letter has a near identical but inverted while we investigate you have full use of these funds.
I did an ACH transfer to my XXXX account and I wrote myself XXXX checks. There is nothing in the letter that would lead me to believe this would not have been okay, but XXXX XXXX have told me already that those c hecks that I writes in good faith based on language from Ally in clear English. But now I wonder if they intended this to be the case, in other words, I suspect client XXXX plays good cop, saying what is true regulation-wise then have the back office play bad cop and says that may be the last but tooth nothing we can do.
Sorry, I dont have time for that. You were clearly just trying to have your cake and eat it to., You are acknowledging federal regulations but at the same time making it impossible to reasonably exercise my rights. Its the same routine that XXXX tried when they closed my account after depositing a check based on nothing, they froze my accounts in XXXX, XXXX I resorted to using only because Ally Bank was putting ridiculous holds on legitimate checks. XXXX also tried to to dictate when they could send my balance from my pay check ( there were no card disputes I never even got a card ), and I filed XXXX complaints before the OCC told XXXX to remove any restrictions so that it could access my own money. I am sending a copy of this complaint and the others to the OCC tonight and I will also call my contact there first thing Monday and will ask them to ask you to do the same.
.
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| 06/17/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
Servicemember |
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My name is XXXX XXXX XXXX XXXX. Ally financial repossessed our XXXX XXXX XXXX without any notice at all. On XX/XX/XXXX I tried to make a monthly payment for XX/XX/XXXX with an Ally rep over the phone. I was told I couldn't because the bankrupt still shows to be active. I was told that was 116 days past due. I said it had to be a mistake because I have been paying every month more than the payment amount. I notified XXXX XXXX of XXXX XXXX XXXX that was handling our chapter XXXX filing.asap XXXX XXXX and stated that I had been paying Ally and this 116 days without a payment must be a mistake. Mr. XXXX said he was notifying the attorney XXXX XXXX of the situation. We hadn't heard anything from Ally Financial nor XXXX XXXX XXXX XXXX. Then in the morning of XX/XX/XXXX I noticed the XXXX XXXX wasn't in front of the house. Me and my wife XXXX XXXX called the XXXX Texas Police to report it stolen, and was told it was repossed! We immediately called Mr. XXXX XXXX of XXXX XXXX XXXX. I hadn't heard from him after several attempts at all that Saturday. Monday I notified Mr. XXXX and heard complaints of blowing up XXXX 's phone and he would look into it. I expressed that the Law Firm was notified weeks ago about Ally rep stating we were 116 days behind. If the Law Firm would have done their job and called Ally at all we wouldn't have gotten a repossession causing financial hardship and truma we suffered. I couldn't believe Mr. XXXX actually stated XXXX of Ally works with the XXXX XXXX XXXX and I hadn't made a payment since a partial payment sinceXX/XX/XXXX ( I sent it to the bankrupsy trustee and he allocated funds as I was instructed to do and the trustee paid whatever to Ally. I stated that wasn't true but, he said as he done the math it adds up! See the letter as to reason Ally repossessed the car that I hadn't made a payment for XXXX, XXXX, nor XX/XX/XXXX at all. I had to do a title loan and paying {$690.00} fees monthly to borrow {$4500.00} and {$690.00} fees only to get our car back. Why didn't the Law Firm make a simple call? Why didn't Ally notify us at all when we thought everything was ok because we hadn't heard anything? Why did they lie about no payments? See pay history I made XXXX, XXXX, and XX/XX/XXXX payments!! See the reason all this could have been AVOIDED WITH A SIMPLE PHONE CALL FROM XXXX XXXX XXXX XXXX. If we was aware that we could have saved a repossession, fees, and a trip to the hospital with XXXX XXXX from this truma. We just lost a XXXX year old daughter and these stressors of this worst time of our lives could have been avoided! But these heartless uncaring people just said go get our belongs out of the car " XXXX XXXX XXXX of XXXX XXXX XXXX. They need to take some responsibility for their non action since notified, called me a liar stating I didn't make XX/XX/XXXX, XX/XX/XXXX, nor XX/XX/XXXX payments for reason of justifying the truma 's and repossession as a suitable Law Firm would have quickly acted XX/XX/XXXX knowing 116 days without a payment on anything would result in loss of possession of anything, car, house ect.XXXX It was negligence and someone besides the consumer needs to take responsibility. Ally Financial could step on the consumer with deception of lies stating to an Attorney, an Officer of the Courts that we didn't make XXXX, XXXX nor XXXX payments as reason for their actions. Ally needs to take responsibility to the consumer as well. Then Consumer Financial Protection Bureau needs to look at COMPLAINT ID XXXX THAT WAS CLOSED A LITTLE FURTHER BECUSE THE CONSUMER WAS'T PROTECTED AT ALL!! IF CORPORATE AMERICA COULD DO ANYTHING TO THE CONSUMER WITHOUT ANY CONSEQUENCES OR REPOCUSSIONS AT ALL. WHAT'S THE FUNCTION OF THE CFPB? WHAT'S THE USE IN FILING A COMPLAINT? THEY WILL DO IT AGAIN AND AGAIN IF NOTING IS DONE AT ALL. I AM A XXXXXXXX XXXX XXXX XXXX AND AND HAD MY XXXX TORN OUT NOT ONLY DURING THE WORSE TIME OF OUR LIVES XXXX XXXX XXXX AND HAVING XXXX XXXX XXXX XXXX, BUT BEING FURTHER TRUMATIZED BY THE LOW DOWN TACTICS AND NEGLIGENCE THAT HAS OCCURRED BY THESE ACTIONS THAT COULD HAVE BEEN AVOIDED. I TAKE RESPONSIBILITY FOR BEING FORGETFUL OF THE {$2700.00} PAYMENT SURPLUS TO ALLY NOT {$3600.00} ASK ALLY FOR THE AGREEMENT. THE LIES AND FABRICATION, THE UNCARING NEGLIGENCE, THE AGREEMENT OF HIRING SUCH PEOPLE TO DEFEND YOU TO TURN A BLIND EYE ON RESPONSIBILITY ISN'T AMERICAN AT ALL AND THEY HAVE NO SHAME AT ALL AND IT'S OBVIOUS THEY DON'T CARE!!
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| 09/15/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Ally financial Account # XXXXDue to a violation including my Privacy of shared information for late payments that was shared with XXXX, XXXX, and XXXX. Under the Privacy Act of 1974 there was a violation on Ally Financial which discloses reported Transactions History to XXXX, XXXX, and XXXX, which I did not consent too. It is Illegal to report Transaction History According to the Privacy Act of 1974. Which is a violation with the Consumer Financial Protection Bureau. I am requesting Ally Financial to remove any and all late payments on Account # XXXX XXXX, XXXX, and XXXX and update the status to paid on time or I will be forced to report you to Consumer Financial XXXXrotection Bureau. `` 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. Unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. I am requesting Ally Financial to remove any and all late payments on Account # XXXX XXXX, XXXX, and XXXX and update the status to paid on time or I will be forced to report you to Consumer Financial Protection Bureau. `` 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. The financial institution and the XXXX reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish Private Transactions of history late payments and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked.
15 USC 6809 ( 4 ) ( a ) Non Public Personal information- A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed undersection 6804 of USC title 15. ) 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out any and all authorization I the consumer may have given you written and unwritten verbal and non verbal per 15 USC 6802. I am requesting Ally Financial to remove any and all late payments on Account # XXXX with XXXX XXXX XXXX, and XXXX and update the status to paid on time or I will be forced to report you to Consumer Financial Protection Bureau. ``
|
| 03/13/2019 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XX/XX/XXXX - Ordered credit report and saw Ally Financial Auto Loan, along with several other items reported that were not mine. I immediately reported the identity ftheft and filed a report with the FTC. I followed up by sending letters to the companies involved, including Ally.
XX/XX/XXXX - I received a letter from Ally stating that they were still going to hold me responsible for the debt. This included a copy of a contract that someone had signed my name on.
XX/XX/XXXX - I received a bill from XXXX XXXX XXXX, a collection agency for Ally.
XX/XX/XXXX - I sent a letter to XXXX notifying me that the debt is not mine, and is a product of identity theft. I requested any type of proof that this was my debt, such as identification provided at the time of purchase. I have never bought a vehicle without having to show, and have my government isssued ID copied for their records. I asked for phone numbers or email addresses that had been used to contact the person that actually had the vehicle.
XX/XX/XXXX - I received a response letter from Ally stating that their records show that I had entered into a contract for an auto loan with them on XX/XX/XXXX. They acknowledge receipt of my identify theft report. In response to my assertion that I had never once received any type of bill or notice from them, they told me it was my responsibility to inform them of a change of address. How could I inform a company that I do not have an account with of an address change? They included copies of multiple communications, such as a repo notice and a bill of what was owed after repe, that they had sent to an address that I had not lived at since XXXX. I have never seen any of those documents, nor been aware of my name being associated with an Ally account, until that time. I had my mail forwarded at the USPS when I moved. I have had the same phone number and e-mail address since prior to XXXX. My official address from XXXX forward are all a matter of public record, yet, they never tried to actually contact me.
XX/XX/XXXX - There were multiple written communications back and forth, with both Ally and XXXX ( the collection agency ). There has been no resolution at all, and no attempt on thier part to resolve this. I continued to tell them it was not my account, and gave them things to look into that I felt would prove that, and they continued to assert that it had been investigated and deemed mine. They said they would not investigate further, and never once gave me anything at all to remotely prove that it was my account.
XX/XX/XXXX - I sent both companies yet another letter requesting copies of all records relating to the account such as applications, records of phone number or email addresses used to communicate with the account holder, the investigators report, and identification provided at the time of purchase. I included a copy of my identity theft report, a copy of my government issued identification, FCRA Section 609 ( e ), and a copy of Businesses Must Proved Victim and Law Enforcement with Transaction Records Relating to Identity Theft.
XX/XX/XXXX - I received a letter from Ally stating they had received my communication and as I had not provided them with any new information ( how can I possibly provide them with anything at all for an account that is not mine except to give the direction of where to look to prove that it is not? ), they would not reinvestigate. They did not include the original investigator 's report, prior contact information as far as phone numbers and email addresses used, a log of any attempts to actually locate ME before sending me to collections, any indication that they have actually attempted to find out the true account holder, or anything at all that I asked them for, and that as I understand, I have a right to.
Currently, I am frustrated, lost and I just have no idea what more I can do to prove that I didn't do what I didn't do. This is just so incredibly stressful, and I have tried so hard to lead them in the way of proving through their own information, or lack thereof, that this is not my account, and all I get in return is continual copies of a contract signed with not even my legal name ( which is how I sign any official documents ), and letters they sent to ab address I didn't live at for at least three years prior to the first letter they indicate they ever sent in my name. Please help. I have no idea what more I can do.
|
| 09/24/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
Servicemember |
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On XX/XX/XXXX, I deposited a check using my bank 's " emobile '' system where I can scan the check using my phone and it deposits immediately into my account. On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) called and said they had to return the check because it was expired and asked if I could call ALLY financial and have them reissue one with a new expiration date. I called ALLY to request the new check and was given the confirmation number XXXX, and it would take XXXX days to confirm the last check was expired and returned, then they would send a new one, I'll receive it in 5-7 business days. On XX/XX/XXXX, I called ALLY financial to inquire about the check, as it had been two weeks, and the CSR said it was cashed after my husband and I explained it multiple times, I asked to speak with a supervisor, and got XXXX, he mentioned the check was cashed and all he could do was send me a document saying such, I asked him should I call the bank for them to tell them they do not have the money? He said " yes '', I called XXXX and spoke to XXXX, but due to the XXXX party being on the line, for the safety of my account information, we could not finish the call. On Monday, XX/XX/XXXX, I went to the XXXX, MI XXXX branch, agent XXXX, and I called ALLY financial, he explained to them that the check was returned due to them denying the date expiration. XXXX requested I send my bank statements ( attached ) to confirm what he was saying. On XX/XX/XXXX, I faxed a total of XXXX pages ( one being the cover page ). to XXXX and put the case number XXXX on the copy as requested. On XX/XX/XXXX, I called ALLY to get the status of my claim, XXXX said, " we won't send a check because it was cashed on XX/XX/XXXX and she can send me the document showing such '' I asked her how they cash an expired check, my bank didn't cash it so how did ALLY, they returned the check on XX/XX/XXXX ( highlighted on attached documents ), they returned the check of {$710.00} and charged me a {$15.00} returned check fee on XX/XX/XXXX! I asked did they look at the bank statements sent and where it was indicated they did not have the money. I asked to speak to the finance department, she said she had to " email '' them since they don't have a contact number for me. She said they cashed the check on XX/XX/XXXX.
I filed a complaint with the XXXX on XX/XX/XXXX, XXXX at the XXXX department responding to complaints ( XXXX ext. XXXX ) called to inquire and I provided the same information she also said they '' didn't have the page containing the two highlighted areas ( which I can prove was there ). As I called on multiple occasions, leaft voicemails and no one returned my call, her voicemail started going to a XXXX person, once I finally reached her, she said they were still researching it and contacting XXXX XXXX XXXX to see what happened on their end. On Monday, XX/XX/XXXX, XXXX calls to tell me " the check was cashed on XX/XX/XXXX. '' I said no it wasn't, by who and where, can you send me documentation that shows what you're saying she said no, I said well where was the check cashed, she said XXXX, I said by who she said " you, then she mentions it was the second check that was sent that was cashed, I said how I cashed the original on XX/XX/XXXX, she mentioned something about XXXX XXXX ( I was confused ). After hanging up on XX/XX/XXXX, I went to XXXX and was given a copy of the returned check from ALLY stamping on the back. I also have copies of my XXXX statement that they keep saying would hold the cashed check information ( see attached ). How can that happen if it was returned and who is NOT using common research financial sense?! I am furious with the outcome as no one at ALLY can do anything right and find out where the check was cashed and who if it was the " second check ', as I never requested a second check until XX/XX/XXXX after XXXX contacted me. This is considered fraudulent check cashing on ALLY 's behalf, No one seems to comprehend bank statements that are highlighted brightly showing the inconsistency of a check cashed and when it's not from the financial institution. Just as I didn't pay attention to the expiration date before depositing it how did they deny my bank cashing it but then they turn around and cash the check on their end? Leaving myself and my bank without funds due. That means they reported {$710.00} as cashed to their financial documents but didn't reissue the check.
|
| 07/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
Servicemember |
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Company ignored multiple issues and left them unresolved from my last complaint. I want a human to review my complaint and research my issues, not a computer. I am trying to avoid having to file a lawsuit over inaccurate information that violates my FCRA consumer rights. My issues are numbered here, because I expect XXXX to address each and every item on this list of issues. Not just pick and choose what it wants to address and ignore all the other fallacies. # 1. There are incorrect remarks on my XXXX XXXX revolving accounts ending in XXXX and XXXX, as well as my XXXX XXXX auto loan. All three of these accounts have the remarks 'account previously in dispute. ' That is a lie. I never disputed those accounts. # 2. XXXX XXXX is NOT correct, so long as only years with negative payment data are reporting. You are not allowed by law to only report negative payment history and not report the positive payment history. So I want my complete payment history reported from XXXX XXXX, or no payment history reported at all. I had that card for XXXX years, and you're only reporting the XXXX years where there was negative information. That is wrong. That is a FCRA violation, and you are obligated by law to fix it. # 3. My XXXX XXXX Credit Card has none of my flawless payment history reported. # 4. One again, another instance of only reporting negative payment data and no positive payment data. I had years and years and years of flawless payment history with Ally Financial. Yet, you are only showing ONE payment late for 60 days and no positive payment data. You can not do that. That has a false negative impact on my credit score when calculating the ratio of my on time payments. You must report the entire payment history reflecting all positive payment data, or no payment history at all. You CAN NOT only report the negative payments and refuse to report the on time payments for an account.It is highly unethical to only report negative payment information in the absence of the positive information. XXXX, I had nothing but on time payments with them and none of them are showing up. If they don't have a reliable enough account of my payment history involving on time payments than they have no business reporting late payments if they are so unsure of my payment history. I want the positive payment history reported for these accounts, or to have all negative payments removed and no payment history reported at all. There are many accounts, such as my XXXX and XXXX installment accounts, that you are not reporting my flawless payment history. You have picked and chosen accounts that only have negative payment histories to report with the exception of my currently open accounts. That is unlawful, unethical, and you must stop doing that. # 5. The issue of deleting my entire credit file and having my score bounce from the 600s, down to 0, up to the 400s, back to the 600s through absolutely no fault of my own causing me to do denied for housing needs to be addressed. How about an apology for what you put me through? How about taking some responsibility? How about letting me know what steps are being taken to ensure this never happens again? Lastly, why are you allowing companies like ALLY FINANCIAL and XXXX XXXX XXXX to be so spiteful and only report derogatory information on my accounts in complete absence of the years and years and years worth of flawless payment history I had with the both of them? Given that all of these companies have been notified that after this negative information occurred I was XXXX discharged with XXXX XXXX XXXX XXXX as a combat woundedXXXX XXXX XXXX XXXX XXXXXXXX veteran? If they were ethical they wouldn't be reporting adverse credit file information about me at all. But to take the extra, extremely, unethical and illegal step to ONLY report adverse credit file information in the complete absence of the years of faithful on time payment history is nothing short of alarming and violates my federal consumer rights. You're welcome for protecting and serving all of you. Thank you for showing me how much that means to you, as you sit in your comfy offices without the XXXX XXXX I live with each and every day. You're welcome. CFPB, do not forward this complaint outside your organization. This is exactly the kind of complaint you are in charge of, evidenced by the drop down boxes saying so, and I do not want my complaint forwarded to another agency.
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| 07/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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This email and documentation is related to Ally Financial Account XXXX XXXX and the balance of {$320.00}.
On Monday XX/XX/XXXX at XXXXXXXX XXXX XXXXXXXX, I returned our leased XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX at the XXXX XXXX. Our lease ended on XX/XX/XXXX with a mileage limit of XXXX miles. I returned our vehicle a day early and under the mileage limit. Unfortunately, when I returned the vehicle the employee took the keys but did not provide any paperwork. However, I took 2 photos of the van. One photo is a time-stamped picture of the vehicle in XXXX XXXX XXXX parking lot showing the date of return ( XX/XX/XXXX ). The other is an interior shot of the van from the parking lot showing the mileage of approximately XXXX miles, well below the XXXX limit. As far as I knew, everything was good and we moved on with a new lease. Much to our surprise, many months later a tow truck showed up at our house to repossess the van. Informing the driver that I returned the vehicle months prior to the dealership he drove to the dealership, where he located the van parked in the rear lot where an employee had left it. The key was found in the back of a desk by the Lease Manager who then tried to start the van. Due to it being left in the rear of the building for months it had a dead battery and some flat tires. The tow truck loaded it up and took it away. The Lease Manager, XXXX XXXX ( XXXX ), told me to contact him if we had any further issues regarding the van. I have given his name and number to Ally Financial on several occasions and even included him in a 3-way call with Ally once .
Back in XXXX, I was finally able to get Ally to give me an itemized list of the charges. Most of it was charges for turning the van in late. Since we turned it in on time we refused to pay the late fee. We still do. However, part of the fee was an air compressor that they said was missing. Since we have no way of proving whether it was or was not in the van when we returned it, I told them I was willing to pay for the compressor. I was told that the cost was {$110.00} for the compressor + {$7.00} tax for a total of {$120.00}. I agreed to pay the amount and the agent transferred me to their finance department. Instead of transferring the call it got disconnected. On XX/XX/XXXX I spoke with yet another Ally agent and once again agreed to pay the {$120.00}. Again they transferred me to their finance department and, again, the line was disconnected. Additionally, I forwarded an email to them verifying that our insurance agent dropped the coverage of the vehicle on XX/XX/XXXX as well.
Finally, I received a call from this collection agency and explained everything above. Again, I offered to pay the {$120.00} but was told by XXXX XXXX ( sp? ) that it wasn't enough so that's why I'm writing this letter. I'm still willing to pay the {$120.00} for the compressor since that was apparently missing. The remainder of the balance is for turning the vehicle in late so I'm not willing to pay anything towards that since I did, in fact, turn it in on time and have photographic proof, cancellation of insurance proof and agreement from the Lease Manager that this was 100 % their fault. I am not responsible for the car dealership not doing their job of returning the vehicle. As I mentioned previously, the Lease Manager is XXXX XXXX and he can be reached at XXXX. Feel free to call him if you'd like.
For the compressor charge of {$120.00} I'm happy to send a check once I receive a bill for that exact amount and I'm absolved of any further inconvenience or charges especially the negative affect this has had on our otherwise stellar credit. Alternatively, I'm happy to pay that amount by credit card over the phone if someone would like to call me.
ETA : No phone call or response has been received from Ally Financial and the negative report on our credit has taken our credit score down more than 100 points. At this point, I am hesitant to even pay for the compressor as we have no way of knowing if it was in the van or not. That was an offer of good faith on our part but Ally Financial has diminished our desire to offer this olive branch to a company that is actively ruining our credit when we are clearly the victims in this situation. Until I can have proof that our credit score is returned back to the 800 's, I am not willing to extend this concession to them.
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| 08/06/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Older American |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX XXXX, FL ( XXXX ) XXXX XX/XX/XXXX *Ally missed XXXX Deadline > *SEE ATTACHMENT >> From : XXXX XXXX XXXX REALTOR ( XXXX ) XXXX Attn : Ally Financial - XXXX XXXX XXXX XXXX Pay Off Re : Ally Financial > Fraud & Negligence > Hello - Ally Financial, *Get Actual " Decision Maker '' to reply >> *Attachment ( 8 pgs. ) We bought our XXXX XXXX XXXX from XXXX XXXX, We financed {$12000.00} with Ally Financial > up to XX/XX/XXXX we paid {$7200.00} > leaving a Balance of {$5100.00}.
However, we received a " Paid-in-Full '' Notice from Ally Financial > XX/XX/XXXX Loan Paid via Dealer - Completed - {$8600.00}. We accepted!! NOW : ALLY FINANCIAL > will not honor their " Paid-in-Full '' Notice.
NOW : Ally says we owe them {$9000.00}!! CRAZY!! They are negligent + crooks.
We have tried to " NEGOTATE a " FAIR OFFER '' with ALLY for over 4+ months!!
ALLY has been doing the ALI " Rope-a-Dope '' by completely ignoring us!!
and doing " ZERO '' for a Solution. Having low-level staff stall + neglect us!!
We do not won't to sue Ally Financial but we are getting really close!!
XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX XXXX, FL XXXX ( XXXX ) XXXX XX/XX/XXXX *Ally missed XX/XX/XXXX Deadline > From : XXXX XXXX XXXX REALTOR ( XXXX ) XXXX Attn : Ally Financial - XXXX XXXX XXXX XXXX Pay Off Re : Ally Financial > Fraud & Negligence > Hello - Ally Financial, *Get Actual " Decision Maker '' to reply >> We have tried to " NEGOTATE a " FAIR OFFER '' with ALLY for over 4+ months!!
XX/XX/XXXX + Everything STOPPED!! ALLY FINANCIAL ILLEGALLY WITHOUT OUR CONSENT ******************* XXXX XXXX OFFER : *LOAN : {$5100.00} *INTEREST RATE : 4.54 % *TERM : 24 mo. * ALLY FINANCIAL : NEEDS TO MATCH XXXX XXXX OFFER OR TRANSFER ALLY LOAN {$5100.00} to XXXX XXXX ASAP OR Option : Ally Financial offers a fair " Win//Win '' " CASH OUT OFFER {$5100.00} > Ac ****************************************************************************************** We paid Ally Financial * ( See Attachment ) NINE ( 9 ) {$500.00} Paynents > Four ( 4 ) {$500.00} Payment, which Ally " never recorded ''.
Our Accountant said, " Ally Financial was definitely Negligent with our account ... '' We do not won't to sue Ally Financial but we will successfully!!
ALLY has been doing the ALI " Rope-a-Dope '' by completely ignoring us!!
and doing " ZERO '' for a solution. Having low-level staff stall + neglect us!!
XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ****************************************** From : XXXX XXXX, REALTOR ( XXXX ) XXXX Attn : Ally Financial - Legal Dept Re ; XXXX Pay off {$5100.00} or {$3500.00} Hello Ally Financial, XX/XX/XXXX : {$86000.00} > Ally Financial> paid off our> LOAN # : XXXX.
Which we graciously accepted and had notarized. We actually have no loan.
We had a " XXXX BALANCE ''. LOAN : {$12000.00} - XXXX Paid {$7200.00}.
We + our Attorney intend to charge " Ally Financial '' with three distinct sets of violations - unlawful auto loan servicing, illegal debt collection, and violations of Fair Credit Reporting Act 's.
Ally Financial - Loan Processors are not free to charge unauthorized fees or change loan terms on their own, which is what Ally Financial has done in our case.
Misrepresented how much we { XXXX } owed, assessed higher fees than allowed by contract or state law, changed key payment provisions, and flat-out overcharged us.
Ally Financial increased XXXX XXXX balances through a combination of human error, poor quality control, XXXX errors, and faulty computer programming.
We have been attempting for over 180 days to call Ally Financial with no results.
NOW : you provide us with a Formal Pay Off Letter of {$5100.00} by XX/XX/XXXX.
OR> be suing Ally Financial for {$55000.00}. Law Firm is representing on Contingency basis.
Ally Financial will have to open up lots of " Records + Files ''. Plus, lots of bad publicity.
Thank you, XXXX XXXX ************************* XX/XX/XXXX > Paid via Dealer > Completed >>> {$8600.00} XXXX 9 x {$500.00} Payments > - {$4500.00} PAID : XX/XX/XXXX > PAID : XX/XX/XXXX - {$630.00} PAID : XX/XX/XXXX > PAID : XX/XX/XXXX *Balance : {$3500.00} PAID : XX/XX/XXXX > PAID : XX/XX/XXXX PAID : XX/XX/XXXX > PAID : XX/XX/XXXX PAID : XX/XX/XXXX XXXX 3 x {$210.00} Payments > PAID : XXXX XXXX PAID : XX/XX/XXXX > PAID : XX/XX/XXXX XXXX
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| 09/09/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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Let me start by briefly explaining the problem. We recently went through refinancing our home with Ally Bank. After we signed all the paperwork at the closing on XX/XX/XXXX, Ally called me in the afternoon of XX/XX/XXXX, the day the loan was to fund informing us that we had to pay an additional {$350.00} for a lock extension or they would not fund the loan. We felt very pressured and bullied into being forced to pay this fee at the last minute in order to avoid either additional rate lock extension fees or the whole loan being cancelled. We don't believe we should have been forced to pay this fee after we had already signed all the paperwork at closing.
Now for a little more context.
Time leading up to the loan application getting approval from underwriting : During the rate lock period when Ally was collecting information, there was a period of time ( about 1 month ; XX/XX/XXXX to XX/XX/XXXX ) where they did not specify specifically what piece of information they needed with respect to a lawsuit. They requested something along the lines of " documents related to the lawsuit. '' I told them I didn't have anything, and asked what they needed and/or why. This was around XX/XX/XXXX. We didn't hear anything from the bank about the progress of the loan other than the portal showed it was on track. I contacted them by phone and through their online portal about the loan, but never received an indication that what they needed was a copy of the complaint. Finally, around XX/XX/XXXX, they indicated they needed the complaint. I didn't have it at the time but submitted a copy of the settlement. They said this would not suffice and said again I needed to submit the complaint and finally explained why to show that I was in fact the plaintiff, not the defendant. I then asked my attorney for the complaint and then submitted it to Ally Bank. Because they did not have the complaint the loan application would not go through underwriting and as a result the rate lock was set to expire the day before closing. Had Ally indicated they needed the complaint back in XX/XX/XXXX, I could have gotten them what they needed sooner, but they did not provide me with a specific indication until late XX/XX/XXXX.
Time leading up to closing : Prior to closing they informed us that we would need 6 days of extension to cover the time to the funding of the loan. I told them I didn't think I should have to pay because we had provided everything they requested in a timely manner. Ally said they would check to see if Ally would cover the fees. Then the day before closing they said Ally would cover {$250.00} and we would need to pay the remaining {$350.00}. I said that was not right and asked to speak to a manager who was capable of making decisions and was denied. I did later receive a call from XXXX, she said she would relay the message and call me back about the issue. I never received a phone call back or any message through the portal, but I did get an email which unfortunately went to my junk email. The email said that Ally would cover {$250.00} but we would need to cover {$350.00} and then asked what we wanted to do. She did not call that day, and she did not call the day of the closing or in any way attempt to follow up to see what we wanted to do.
Day of closing and post closing : I logged into the Ally portal the morning of closing and saw that the lock had been extended and that the closing papers that were available did not have any charge for a lock extension. So I had assumed Ally was covering the fees. We proceeded to go ahead with the closing. About an hour or so after we finished, Ally called to ask if we had any questions, about the closing. We said we already closed. She did not mention anything about us owing additional money for the lock extension. Then two days after closing ( on theXX/XX/XXXX ) they apparently posted to the portal a changed closing disclosure notice that had the fees, but they did not call to let us know that it was posted. Then on the XX/XX/XXXX the day the loan was supposed to fund, they called to tell us about the changed closing disclosure and said if we don't sign now and give them {$350.00} they would not fund the loan. I still feel they are solely responsible for this fee. Plus, the fact that we had already closed and the fee was not listed, they shouldn't be allowed to hold up funding unless we pay.
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| 04/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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FICO SCORE TYPE XX/XX/XXXX CHANGE>> XX/XX/XXXX CHANGE>> XX/XX/XXXX FICO XXXX XXXX XXXX XXXX -79 XXXX MORTGAGE FICO XXXX XXXX XXXX XXXX -31 XXXX AUTO FICO XXXX XXXX XXXX XXXX -45 XXXX AUTO FICO XXXX XXXX -6 XXXX -138 XXXX AUTO FICO XXXX XXXX XXXX XXXX -84 XXXX BANKCARD FICO XXXX XXXX -6 XXXX XXXX XXXX BANKCARD FICO XXXX XXXX XXXX XXXX -4 XXXX BANKCARD FICO XXXX XXXX -7 XXXX XXXX XXXX BANKCARD FICO XXXX XXXX XXXX XXXX -51 XXXX FICO XXXX XXXX XXXX XXXX -58 XXXX DISPUTE WAS FILED XX/XX/XXXX REQUESTING THAT DATE OF FIRST DELINQUENCY BE UPDATED TO XX/XX/XXXX INSTEAD OF XX/XX/XXXX BECAUSE CAR WAS REPOED IN XX/XX/XXXX AND I WANTED REPORT TO BE ACCURATE. ON XX/XX/XXXX, MY DISPUTE WAS " SETTLED '' AND REPORT UPDATED TO SHOWORIGINAL LATE PAYMENTS IN XX/XX/XXXX AND XX/XX/XXXX REMOVED AND NOW IT SHOWS CHARGE OFF IN XX/XX/XXXX. NOW IT SHOWS UNDER STATUS THAT " THIS ACCOUNT IS SCHEDULED TO CONTINUE ON RECORD UNTIL XX/XX/XXXX. '' IN THE COMMENT SECTION IT NOW SAYS " COMPLETED INVESTIGATIONOF FCRA DISPUTE-CONSUMER DISAGREES. THIS ITEM WAS UPDATED FROMM OUR PROCESSING OF YOUR DISPUTE IN XX/XX/XXXX. ACCOUNT HISTORY : DEBT INCLUDED IN CHAPTER XXXX BANKRUPTCY ON XX/XX/XXXX. '' 1 ) THE DATE OF FIRST DELINQUENCY WAS XX/XX/XXXX, CAR REPOED IN XX/XX/XXXX AND SOLD AT AUCTION I NEVER BROUGHT THE ACCOUNT CURRENT BEFORE IT WAS CHARGED OFF IN XX/XX/XXXX, YET ALLY REMOVED THE LATE PAYMENTS FROM XX/XX/XXXX AND XX/XX/XXXX ( SEE ATTACHED PROOF ) SO IT NOW INACCURATELY SHOWS XX/XX/XXXX AS DOFD. ALSO, JUST A THOUGHT, WHO WOULD CHARGE OFF AN ACCOUNT THAT WAS " OK '' STATUS FOR MONTHS LEADING UP TO THE CHARGE OFF WITH NO LATE PAYMENTS SHOWN PRIOR TO CHARGE OFF? DOESN'T EVEN MAKE SENSE, YET THAT'S EXACTLY HOW MY CREDIT REPORT SHOWS IT BEING REPORTED 2 ) MY CREDIT SCORES TOOK A HUGE HIT BECAUSE OF THE INACCURATE REPORTING BY ALLY AND XXXX BOTH. I ATTEMPTED TO CALL ALLY IN XX/XX/XXXX AND THEY WOULDN'T EVEN SPEAK TO ME.
I CALLED XXXX AND THEY JUST WANT TO KEEP DISPUTING THE SAME ACCOUNT OVER AND OVER. I EXPLAINED TO XXXX THAT THIS IS ILLEGAL. THEY SAID ALL THEY COULD DO WAS DISPUTE WITH ALLYAGAIN.
3 ) I CALLED MY BANKRUPTCY ATTORNEY, XXXX XXXX IN XXXX, FLORIDA AND SPOKE WITH HIM ABOUT THIS SITUATION AND HE DID INFORM ME THAT ALLY/XXXX IS NOT ALLOWED TO REAGE AN ACCOUNT INCLUDED IN BANKRUPTCY AND THAT THE LAST NEGATIVE REMARK FROM ALLY REGARDING THIS ACCOUNT COULD NOT BE AFTER THE FILING DATE OF THE BANKRUPTCY WHICH WAS XX/XX/XXXX.
I EXPLAINED THIS TO XXXX AND XXXX AND XXXX AT XXXX WERE ABLE TO VERIFY TO ME THAT THEY DO SHOW MY BANKRUPTCY AS XX/XX/XXXX, YET THEY ARE ALLOWING ALLY TO CONTINUE TO REPORT IT AS XX/XX/XXXX ( ALMOST 5 YEARS AFTER IT WAS FILED ) AND REFUSED TO CHANGE IT EVEN THOUGH THEY ADMIT IT IS INACCURATE UNTIL ALLY RESPONDS TO YET ANOTHER DISPUTE.
4 ) I WANTED TO BUY A NEW CAR THIS MONTH BUT HAVE BEEN CONTACTING LENDERS TO FIND OUT WHICH SCORES THEY USE AND MOST HAVE TOLD ME XXXX, SO THIS ORDEAL IS AFFECTING ME FINANCIALLY AND EMOTIONALLY. I CAN GET A LOAN BUT IT WOULD BE WITH A HIGHER RATE THAN I DESERVE AND IT IS BECAUSE OF ALLY AND XXXX AND THIS ONE ACCOUNT.
5 ) I DEMAND THAT THIS BE CORRECTED IMMEDIATELY, I SHOULDN'T HAVE TO WAIT A MONTH FOR SUCH A SERIOUS AND ILLEGAL " MISTAKE '' ON THE PART OF ALLY, XXXX OR BOTH. I DON'T KNOW WHO IS TO BLAME BUT MY LAWYER HAS INFORMED ME THAT EVEN IF IT WAS AN ACCIDENT, IT HAS CAUSED ME HARM AND I DO HAVE A LAWSUIT SHOULD I CHOOSE TO GO THAT ROUTE AGAINST BOTH OF THESE COMPANIES.
IF THIS " MISTAKE '' IS NOT ABLE TO BE FIXED TO SHOW DOFD AS XX/XX/XXXX AND REMOVE THE CURRENT BANKRUPTCY STATUS AS XX/XX/XXXX AND PUT IT BACK TO XX/XX/XXXX THEN I DEMAND THIS ACCOUNT BE DELETED FROM MY CREDIT FILE. IT SHOULD'VE BEEN AUTOMATICALLY REMOVED IN XX/XX/XXXX ANYWAY BUT BECAUSE ALLY CHOSE TO WILLFULLY REAGE THE ACCOUNT, IT WILL NOW REMAIN UNTIL XX/XX/XXXX AS IT IS AND WITH THE BANKRUPTCY STATUS THAT ALLY IS REPORTING, THIS WILL CONTINUE TO HARM ME FOR MANY MONTHS.
6 ) I AM A MEMBER OF XXXX SO I GET UPDATE REPORTS AND 28 DIFFERENT FICO SCORES AT THE END OF EACH MONTH. I HAVE THE REPORTS AND ALL OF THE ABOVE LISTED SCORES ( AND MORE ) AND I WILL BE TURNING THEM OVER TO MY ATTORNEY IF THIS ISN'T FIXED IMMEDIATELY. I DON'T WANT TO SUE BUT SINCE ALLY & XXXX HAVE REPEATEDLY REFUSED TO CORRECT THIS ACCOUNT, I MAY NOT HAVE A CHOICE. I JUST WANT IT FIXED, NOW.
I DEMAND THIS BE FIXED OR DELETED IMMEDIATELY
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| 11/10/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
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Web |
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I leased a new car thru ally, XXXX years ago. No problems whatsoever during the term ; in fact, I extended the lease for 6 months ( also no issues ). I rarely drive the car ; it is in near-new condition with only XXXX miles ( with the exception of recent damage to the rear ). On XX/XX/XXXX, a lady backed into my parked car. After inspecting the collision spot, there appeared to be little damage -- a couple scuffs. About 3-4 weeks later, while approaching my car in the evening, I noticed that there was, in fact, damage I didn't see at first. XXXX slightly, the rear XXXX panel was pushed in ( I am almost certain that the entire rear of the car would need to be disassembled and that panel replaced ).
I contacted Ally the following day to ask how to handle. I informed them of the issue, and asked about the protocol when an accident occurs this close to the lease end date. The Ally representative just told me that I needed to have the car in by the date, or I would be charged a daily rate of {$50.00} until they received the car.
Knowing that having the car repaired in the short time frame was unrealistic, I asked them who would be responsible for any damage that this lady ( who backed into my car ) caused. The rep explained that I would be responsible.
I inquired about submitting a claim thru her insurance, and he just repeated himself about me being responsible for any un-repaired damage incurred.
I was kind of shocked -- To the point where I was willing to buyout the car, JUST to get it repaired, only to then hopefully sell it ( XXXX XXXX dont hold their value, and ultimately, I did not want to keep it ). SO .... I requested a buyout estimate - which, btw, Ally is very clear to state on this letter that it is only good for ONE day.
Well, each time I would send this buyout letter to the dealership ( Florida does not allow consumers to buyout car directly ), the dealership would tell me they needed a current/valid buyout letter. AND ... Each time I called Ally to request a new letter, they would again date it for the day of request, BUT.. since the letter takes " 24-48 hours ''
to generate, it always arrived OUT OF DATE ( 3 or 4 times in total that this same result occurred ). I felt like I was being pranked.
The dealer couldn't ( wouldn't? ) even provide me with the loan interest rate, because they didn't wasn't to be responsible for supplying incorrect numbers. Unbelievable. Finally the dealer just told me that he understood if I " didn't bother with buying the car ''. So, again, I am stuck between a rock and a hard place.
3.5 hours a day on the phone with Ally, only to be transferred all over, and never a solution. I mean, HOW HARD IS IT TO SUBMIT ANOTHER PERSON 'S INSURANCE TO TAKE RESPONSIBILITY FOR DAMAGES?? This can't be the first time something like this has occurred.
**and btw, I did try to file a claim with my insurance, but XXXX informed me that even if I was not at fault ( wasn't even driving ), the claim would be filed on mine, so my record would get dinged.
SO.. this past Tuesday, I found the phone number for the lease end department, and spoke with a guy who assured me that a supervisor would be contacting me within " 24-48 hours ''. At the 48th hour ( yesterday at XXXX ) I called the department back. The lady on the other end explained that there was nothing she could do further. That a supervisor request had already been submitted, so I would just have to wait. She also informed me that her two supervisors were out of the office all day on Wednesday, so " that's probably why they haven't reached out yet. They're backed up ''.
Meanwhile, Im getting charged $ XXXX for a car Im not driving.
XXXX ( the insurance of the driver who backed into me ) has already started a claim, however, Im stuck in holding pattern, bc I'm worried that if I turn it in, that XXXX won't be able to get it repaired. And if I hold onto the car, daily fees accrue ( which has now been since XX/XX/XXXX ).
As of today, nobody from Ally has called me back. I have no idea how to proceed. I want this car gone, and I also dont want to be held responsible for damages due to someone else 's carelessness. SUCH A MESS.
From the get-go, I was not provided the necessary correct information in order to handle this situation properly. Instead, I was passed around like annoying desk paperwork nobody wanted to attend.
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| 06/20/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Credit denial
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Web |
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XX/XX/XXXX, I was invited to dealership ( see address of dealer below ) for purchase of newer vehicle with option to trade in the vehicle I bought from ( XXXX XXXX XXXX ) on XX/XX/XXXX.
XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Application Number : XXXX Re : Adverse Action Letter XX/XX/XXXX When I arrived I was asked, " Do you want to trade in your old vehicle? '' I stated " No '' The salesman stated, " without a down payment, no bank would approve you. '' I asked, " Do XXXX XXXX have consumer financing? '' Salesman stated " Yes, however due to your current loan, your amount past due and loan amount owed, no bank would approve you. '' Salesman asked, " What is your credit score? '' I stated, " I'm unsure, but I'm only here at this location because you sent me a car invite advertisement via email and I'm willing to extend consumer credit '' Salesman picked up the phone to call financial institute my vehicle is financed through, asked my social to access my account. Once he obtained information he was inquiring about he looked at me then looked away and smirked.
I asked, " Can we start the application process?
Car salesman, then stated, " I'm just trying to figure out how you're going to get that payment down '' He giggles. Get up out of chair and say, " I will be right back. '' He returned and request to see the vehicle I informed him " I did not want to trade in. '' He takes photos, and photos of mileage. We returned back to his desk. He went back to speak with office manager. When he returned, I was informed... Unfortunately, we can not approve you. I left completely discouraged.
On XX/XX/XXXX I returned to XXXX XXXX XXXX, after receiving another email invite and thanking me for my recent transaction. However, I endured the same experience if not worse. I was discriminated against again!
I returned, I was clear and precise about only running my credit once. I explained the reason for my visit and my goals. I do not want to leave the dealership with multiple unauthorized inquiries. Inquiries I have no benefit from consumer transaction.
Salesman agreed. I we started the application process via paper.
I informed the salesman I wanted to extend consumer credit. Salesman agreed and verbalized understanding. During application process, salesman started asking me questions about religion and other personal questions. Like ; why do I need a vehicle so big, what was I going to use the vehicle for etc..
I felt SO uncomfortable. I couldn't speak up unless I was ready to be attacked and or kicked out for standing up for myself. He returned and stated I would need a down payment.
I asked, how much was I financed for. The down payment can be included in my finance charge. He did not respond. I informed him again, this was a " zero down consumer transaction. '' He stated, " Here 's the deal. We can not give you a vehicle like that due to your credit. '' I tried to inform him of my consumer rights citing 15 U.S.Code 1602 ( a ), U.S.C 1691- U.S.C 1692. I also asked salesman to review 12 CFR 1002. Informing him this is discrimination, the email sent to me was deceiving, unfavorable practices. When I tried explain the illegal, misinforming practices within XXXX XXXX, I was ignored. I stated my contract created was breached and a fraud contract.
I explained how : - How I was denied and lied to about the rescission process. Denied information and informed there is no department of rescission.
- I never received any information about rescission before or after leaving dealership as well as other issues that happened with vehicle I purchased the vehicle XX/XX/XXXX.
I was ignored, and then another salesman approached me and became verbally aggressive with me. Speaking loud over me and telling me to have a great day.
I asked for XXXX and was denied. I started citing codes from TILA, CFPB, FTC, XXXX and they attacked me more. I asked for the managers business card and was denied.
I left again feeling lesser than before. My rights had been violated. I was not given any other options and I have not just " soft inquiries '' but hard inquiries now. I couldn't stop because I need a vehicle, I have to work. I knew if I go car shopping I would continue to be discriminated against due to my credit. I was the only XXXX person in the dealership and felt out of place.
I received an Adverse Action Letter from ALLY BANK
|
| 08/18/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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XX/XX/XXXX I went up to XXXX XXXX to get a vehicle that was advertised for {$24000.00} on their website because I needed a vehicle for work that had to meet specific criteria. I met with the salesman and decided to pursue the vehicle and was then taken to the finance department. I left with the car that evening without signing any paperwork because the finance manager stated that he would be working on getting me a better deal than what was being presented and stated that he would contact me the following day to close the deal. He printed off a 60 temporary tag and I left with the car that evening. On XX/XX/XXXX I contacted XXXX XXXX in regards to the closing of the vehicle after not hearing back from him and we scheduled to meet the following morning to complete the documents for the car. As we were going through the fees, disclosures, and warranties, I questioned the manager about the price of the car and the advertisement and he stated that the {$24000.00} was the lowest price but it could go up from there. I even requested the best warranty on the vehicle because it was a $ 25 month difference but was denied by the manager because he stated Ally would not finance a higher payment than {$690.00}. I informed him that my payments should be lower but he insisted that this was the best payment he could obtain for me. I questioned the manager and asked the total of the vehicle after all the add-ons and was informed the total was {$28000.00} which was a true bait and switch from what was being advertised. I was baffled because I had a better credit score and Ally Bank is the company who financed my first vehicle. I also felt obligated because I had the car for over 4 days by that time. My XXXX XXXX was much better this time and my first car was almost paid off. I signed the closing documents with all the add-ons for {$28000.00}. I was informed that my paperwork would arrive in the mail in 30 days. I received the Certificate of Title and Application For Missouri XXXX and License from XXXX XXXXXXXX for {$28000.00} as greed. The only documentation from Ally Financial that was received were denial letters. When I logged into my online Ally account to make the initial payment, after 60 days, the original price of the car had risen to {$35000.00}. I made the initial {$690.00} payment but I reached out to Ally Financial via email and informed them of the situation on XX/XX/XXXX and they responded stating they were not involved in the pricing and negotiation nor did they acknowledge the situation. On XX/XX/XXXX the salesman from XXXX XXXX contacted me for a referral and I informed him of the spike in the price of the car sold to me. He stated he would pass my information along and someone would contact me back regarding this matter. I have not heard from any representative regarding this fraud. On XX/XX/XXXX, the CEO of Ally Financial received the notice of the situation ( tracking XXXX ) On XX/XX/XXXX, I requested Ally Financial to send me the documents that were associated with the financing of my car and their response was for me to call them regarding the matter of the situation. They have since then turned off the email correspondence and are trying to force me to call them when I initially requested written correspondences. They seem to have a conflict of interest and their hands are unclean in this matter as well. I continue to receive collection attempts and credit reports with no actions or acknowledgement of the illegal fees, charges, and contract alteration. The car was sold for over {$11000.00} than what was advertised for which it now has an interest rate of 12.74 % on a 75 months term. I did not agree or consent to this contract and both XXXX XXXX and Ally Financial are harming me in this situation, which may be race related illegal actions. XXXX XXXX financial manager had a deceitful sales tactic by conditioning me to accept the monthly payments based on fraudulent material alteration of the contract. The net price of the car should have been {$24000.00} and {$28000.00} total. He stated that no one wanted to finance me other than Ally but he did not reveal that he was requesting almost {$12000.00} over the advertised price. My options were limited because of his greed to sell the car at a higher price than agreed upon and Ally XXXX are involved and/or turning a XXXX eye to this serious matter.
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| 07/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Re : Complaint against Ally Financial : Inaccurate Late Payment Reporting and Disregard for Consumer Rights - Assistance Required Dear CFPB, I am writing to file a formal complaint against Ally Financial concerning multiple violations of consumer financial laws in relation to the reporting of late payments on my fully paid off auto finance charge. I kindly request your intervention and assistance in addressing these critical issues.
Underpinning my complaint are three key laws that have been breached by Ally Financial : 15 USC Code 1666b ( Timing of Payments ) : This law establishes guidelines for the timing of payments and emphasizes the prompt crediting and application of payments made by consumers. It ensures that payments are correctly and accurately recorded, benefiting both the consumer and the lender.
Truth in Lending Act ( TILA ) and Regulation Z : Specifically, TILA section 106 ( a ) ( 1 ) and Regulation Z section 1026.4 ( a ) prohibit the reporting of fees for unanticipated late payments as finance charges. This provision is intended to protect consumers from unfair practices when late fees are assessed due to extenuating circumstances beyond their control.
Consumer Financial Protection Act ( CFPA ) Section 1024 ( b ) ( 1 ) ( C ) : This law mandates that the CFPB must provide consumers with the information used to substantiate and confirm the validity of their complaints against financial institutions. This ensures transparency and accountability in the resolution of consumer disputes.
In light of these laws, I have encountered ongoing issues with the reporting of late payments by Ally Financial on my fully paid off auto finance charge. The loan amount of {$16000.00} has been paid in full, and I now own the vehicle outright. However, despite the loan being fully satisfied, Ally Financial continues to report unjustified and inaccurate late payments, adversely affecting my credit history and financial standing.
Furthermore, it is crucial to highlight that the late payments reported by Ally Financial were directly linked to the unprecedented financial hardships resulting from the COVID-19 pandemic. I lost my job during this period, severely impacting my ability to meet financial obligations in a timely manner. Given the extenuating circumstances, it is imperative that these late fees are not reported as finance charges, as specified by TILA and Regulation Z.
Therefore, I urgently request the CFPB 's intervention to address these violations and rectify the situation. Specifically, I seek the complete removal of the 23 reported late payments from my credit reports. It is of utmost importance that Ally Financial complies with all applicable laws and regulations to protect consumers ' rights, ensure fair lending practices, and accurately reflect the fully paid off status of the auto finance charge.
Enclosed with this complaint, please find supporting documentation, including relevant account statements, correspondence with Ally Financial, copies of credit reports illustrating the discrepancies in the reported late payments, and evidence of the loan being fully paid off.
I sincerely appreciate your attention to this matter and look forward to a thorough review and swift resolution that upholds the rights of consumers, promotes fair and accurate credit reporting, ensures transparency in the complaint resolution process, and reflects the fully satisfied status of the auto finance charge.
Thank you for your assistance in this regard.
Sincerely, XXXX XXXX XXXX XXXX _______________________________________________________________________ Finance Charge : The finance charge represents the dollar cost of consumer credit and includes any charge imposed directly or indirectly by the creditor as a condition of or incident to the extension of credit. It is important to understand which charges should be included and which should not in order to assess the accuracy of reported finance charges.
Included Charges : Interest Transaction fees Loan origination fees Consumer points Credit guarantee insurance premiums Charges passed on to the consumer for purchasing the loan Discounts for non-credit payment methods Excluded Charges : Charges payable in a comparable cash transaction.
**Fees for unanticipated late payments. ** Overdraft fees not agreed to in writing.
Seller 's points.
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| 06/05/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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On XXXX XXXX XXXX I contacted Ally Financial to inquire about a {$450.00} payment I was planning to make the next day ( X/X/17 ) towards my minimum monthly payment of {$440.00} which was due X/XX/17. I advised the representative I would be paying {$450.00} on Friday, XXXX XXXX XXXX which was to be applied toward my minimum monthly payment. I also advised the representative that I was considering making an additional payment of {$300.00} on top of the {$450.00} I would be paying for my monthly payment, which was to be applied directly to the principal- I did not ever say that I would definitely be doing this, in fact I specifically requested that they not take any of the {$450.00} I was paying on X/X/17 to be applied to the principal. I was told that the {$450.00} would go towards my minimum monthly payment due on X/XX/17 and that if I still wanted to pay the extra {$300.00}, that I needed to wait another day until Saturday X/X/17 to pay the additional {$300.00}, in order to guarantee it would be applied towards the principal. I was advised that if I did not call to make the extra payment, there would be no negative consequences or expectations set, and that my {$450.00} which we agreed was to be paid on X/X/17 would be applied 100 % to my minimum monthly payment for the month of XXXX regardless. I did not call to make the additional payment of {$300.00} on Saturday, XXXX XXXX, leaving the only payment that they received in the month of XXXX being for {$450.00} on XXXX. Instead of correctly notating the account, they misapplied may payment for {$450.00} on XXXX and applied {$300.00} of it to the principal, leaving only {$150.00} of my payment going towards my minimum monthly payment. I was advised that this payment was going to be applied directly towards my minimum monthly payment due on XXXX several times, and spent a great amount of time assuring that if anything was to be applied towards the principal, it would be an additional payment of {$300.00} ( on top of the {$450.00} ) and it would be paid X/X/17. I was guaranteed that, if I should make be able to make it, only a payment made for {$300.00} on XXXX would be applied to the principal balance, and that my payment of {$450.00} from X/X/17 would not be applied toward the principal whatsoever.
I contacted Ally today ( X/X/17 ) after I received the notification in the mail that their system reflected the unpaid balance. After almost an hour, I had spoken with a representative by the name of " XXXX '', who falsely identified herself as a supervisor. I specifically requested several times that the previous representative transfer me to a manager directly, and no one else. I came to find out, that XXXX was not in fact a supervisor or a member of management at all. I would be remiss if I failed to mention the fact that this is a common occurrence when dealing with Ally Auto Financial 's customer service department, as I have had several conversations in which I was lied to directly about who I was speaking with, whether or not my account had been properly documented, etc. I have even filed a complaint with the CFPB ( # XXXX ) in XXXX against Ally for another conversation in which a representative incorrectly advised me that my credit report could be updated to reflect a payment that was only 28 days past due.
By the end of my call with XXXX, I was not given any time frame whatsoever as to when Ally would correctly reapply my {$450.00} payment from X/X/17 which they incorrectly applied to the principal balance of my loan. I was told that it may not be applied correctly before X/XX/17, at which point it will be reported on my Credit Bureau Report as being 30 days past due, which is simply unfair and unacceptable. Furthermore, when I called back and specifically requested to speak with a manager directly, I was yet again transferred to another agent that was not a member of management whatsoever, by the name of XXXX, ID # : XXXX.
I expect, at the very least, the removal of any late payments or charges associated with misapplied, damages for the sheer amount of time I have spent dealing with Ally Financial and their abysmal, unfair, deceitful customer service and collection practices, and a sincere written apology for the amount of emotional stress and hardship they have caused me ever since I first became their customer in XXXX.
|
| 01/09/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/XXXX, I opened an online checking account with XXXX ( {$350.00} sign up bonus ). On XX/XX/XXXX, I attempted to mobile deposit check # XXXX for {$5000.00} into my XXXX account. The money was debited from my Ally account on XX/XX/XXXX. On XX/XX/XXXX, I attempted to mobile deposit check # XXXX for {$5000.00} into my XXXX account. The money was debited from my Ally account on XX/XX/XXXX. On XX/XX/XXXX, I noticed that both checks were debited from my Ally Bank account but when I attempted to log in into my XXXX account through my XXXX application ( which I used to mobile deposit both checks ), I received the following error " The account or accounts do not exist in your internet banking provile. Please contact us at XXXX for further assistance. Ref. [ PC8 ] ''. Please note that the phone number provided is for their XXXX customer service, which I did not know until later ( please see below ). On XX/XX/XXXX at XXXX XXXX, I reached out to XXXX at XXXX to understand what could have happened to my account. I was on the phone for 17 minutes and 20 seconds. The lady on the phone explained that this account was closed due to suspicious activity and that the checks were rejected on XX/XX/XXXX and XXXX and would be back into my Ally Bank account within 7 business days.On XX/XX/XXXX ( I decided to wait a little longer due to the holidays, to make sure I would have waited long enough ), I reached out to Ally Bank as the funds were still not credited into my Ally Bank account. When I asked what other steps I could take to find my money, the lady stated the only thing she could do to help me was to give me an image of the checks. I informed her that I had access to this but was at loss and was not sure what to do next. She said that could not help me further since the checks were both paid to XXXX, and that XXXX would be responsible for the funds. The same day, I tried to call XXXX but they were closed for the holiday. On XX/XX/XXXX, I reached out to XXXX at XXXX which was the phone number provided on my XXXX mobile application, thinking it might redirect me to a specific department, more knowledgeable about my situation. I was on the phone for 50 minutes when the lady realized that I was a US customer and did not have a XXXX account. I was then transferred to the US phone number, spent 10 minutes on the phone with a really helpful lady who was willing to do a conference call with Ally Bank. In the process of setting up the conference call, the lady inadvertently hung up on me.I called XXXX again ( at the US customer service number XXXX ), spoke the a gentleman who transferred me to the ACH department who then let me know that this was the wrong department to talk to as my issue was about checks. The lady from the ACH department transferred me to the general customer service, once again. After waiting for about 30 minutes, I got a hold of someone and I explained my situation, for the third time to a lady. She explained that Check # XXXX was never accepted as it was " reported '' as suspicious funds ( which I assumed she meant by Ally bank ), therefore, they automatically rejected check # XXXX for " not sufficient funds ''. We decided to do a conference call with Ally Bank. After a total of two hours of being on the phone, one hour being on the conference call, XXXX stated they could not write a letter stating what happened as my account was closed. Ally Bank sent me an Affidavit of Forgery, Unauthorized draft or Altered item in order to have a dispute started. Ally Bank claims both claims were deposited at " XXXX XXXX '' and " XXXX XXXX '' while XXXX claims they never accepted the checks and rejected the money. They also closed my account on XX/XX/XXXX but I received this letter at a later date. On the statement provided, we can see that no money was deposited from XX/XX/XXXX and XX/XX/XXXX. There are trial credits by Ally Bank that are showing since I initially tried to transfer the money electronically to XXXX when I opened this account but it appears the funds were rejected ( Even though the account was confirmed with those trial deposits ). Ally Bank said that the dispute would take 90 to 120 days. The {$10000.00} is all I have in savings. I can not afford to have any emergency happening between those times. It is unacceptable that my money is lost and no one is able to track it.
|
| 06/07/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
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|
Web |
Servicemember |
|
In XX/XX/XXXX, my husband and I bought a XXXX XXXX from XXXX XXXX XXXX in Maryland. It was financed through Ally Financial. They were the creditor the dealer used to approve me for the loan. In early XXXX I was doing some research and I learned more about the Truth in Lending Act ant Title 15 USC. I discovered that there were some discrepancies when I financed the vehicle. I felt like my husband and I were misinformed and taken advantage of by the dealer and the finance company. For example the dealer told us it was required by the finance company that we had to put money down in order to finance the vehicle however in the agreement it states : " You the Buyer, may buy the vehicle below for cash OR on credit. '' In 15 USC 1605 ( a ) Finance charge is defined as " The amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges ... '' It also states that services or carrying charges should be included in the financed charge, however in the agreement it states that the down payment was a dealer processing service charge which they forced us to pay cash.
Also, the dealer told us that we couldn't finance the vehicle without insurance and we were forced to purchase insurance out of our pocket in order to receive the vehicle. It was not disclosed to us that the insurance was supposed to be covered in the finance charge by the creditor.
15 USC 1605 ( b ) Life, accident, or health insurance premiums included in finance charge Charges or premiums for credit life, accident, or health insurance written in connection with any consumer credit transaction shall be included in the finance charges unless : ( 1 ) the coverage of the debtor by the insurance is not a factor in the approval by the creditor of the extension of credit, and this fact is clearly disclosed in writing to the person applying for or obtaining the extension of credit ; This fact was not disclosed to us at all.
After realizing these things and understanding the statute of limitation for fraud, I sent a letter of complaint on XX/XX/XXXX to Ally Financial disputing the debt and asking them to validate it and show the contract to be lawful. And if they can not validate the debt and prove the contract is lawful by providing : 1. The actual accounting 2. A copy of the contract 3. Full Disclosure 4. Lawful Terms and conditions 5. The signature of both parties Then I requested that the debt be discharged as well as other requests that can be found in the attached letter. I also requested that they send a response in writing within 15 days of receiving my first letter which I sent through Certified Mail ( see attached copies ).
On XX/XX/XXXX I received a call from Ally Financial and they left a voicemail ( attached ). The person claimed that they were investigating my dispute and that they will be in touch. After that I received no other phone calls from Ally Financial nor did they send anything else in writing like I requested. I waited several more days and on XX/XX/XXXX my husband and I decided to call them and speak to the representative who reached out to us. We received no answer and left and voicemail ( attached ). We called again a couple of days later and received no answer and left another voicemail.
During this time while the debt is in dispute they still sent emails saying that I was late on my payments and it affected my credit score negatively. Under the Truth In Lending Act I read that when a debt is being disputed all debt collection practices ( including the furnishing of information to credit reporting agencies ) on that particular debt should cease for at least 30 days or until the debt is validated or discharged. - Title 15 USC 1692g. Validation of debts I recently did send a conditional payment on XX/XX/XXXX so that this can be resolved without any legal actions.
I waited to see if they would send written response to my request for 30 days since I sent the first letter and I have yet to receive any written notification through the mail. My husband and I are emotionally and mentally exhausted trying to contact them about this and we would like help from the CFPB to assist us in this matter. Here is the information for the Account.
Creditor : Ally Financial Name of Consumer at time of purchase : XXXX XXXX Account Number : XXXX
|
| 07/28/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
Greetings XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GEORGIA XXXX ( XXXX XXXX ) UNITED STATES OF AMERICA XXXX WHEREAS ; it is evidenced, beyond preponderance of doubt ; XXXX XXXX XXXX XXXX XXXX XXXX GEORGIA XXXX ( XXXX XXXX XXXX ; engaged in Fraudulent Financial Activity, with, ALLY Financial - XXXX, from time-frame : XX/XX/XXXX to PRESENT-XX/XX/XXXX. ALLY Financial - FALSE REPORTING, to ALL Three ( 3 ) Credit Reporting Bureaus.
Once, the Auto-Vehicle, is Purchased from XXXX XXXX. XXXX XXXX, and ALLY ( Auto ) Financial, attach, a Fraudulent, Un-Paid, Balance, of More-Than, {$160.00}, for Newly-Purchased Vehicle, which is still, on the XXXX XXXX - Sales Lot. As the NEWLY, Purchased Vehicle, has NEVER, exited/left, Sales Lot, located at : XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX, GEORGIA XXXX Financial Fraud. Multiple Account Numbers ; Make/Model ; VIN Numbers, can be traced to : XXXX XXXX - XXXX XXXX, XXXX XXXX, and ALLY ( Auto ) Financial. ALLY - Predatory Lender - 'Redlining '. As ALLY Financial, Terrorists, dating back to :XX/XX/XXXX, to PRESENT - XX/XX/XXXX. ALLY Financial, Pled GUILTY - PAID-OUT, Billions-of-Dollars, in Recent, Major CLASS-ACTION LAWSUIT, in, SETTLEMENT. U.S.A - ALLY Financial - Predatory Lender - 'Redlining '.
HENCEFORTH ; XXXX XXXX - XXXX XXXX, GEORGIA XXXX ( XXXX XXXX ). UNITED STATES OF AMERICA ; engaged/involved, with ALLY Financial, XXXX. No Integrity to Customers. Violation of Code of Conduct. Gross-Negligence. Gross Mis-Management. Flagrant Misconduct. XXXX XXXX, and ALLY Financial. UNITED STATES OF AMERICA.
XXXX BLESS AMERICA.
Regards, XXXX XXXX XXXX. Consumer. Complainant.
XXXX XXXX XXXX XXXX XXXX, GEORGIA XXXX. ( XXXX XXXX ).
Text/Cell : XXXX E-mail : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- From : XXXX XXXX XXXX Sent : Thursday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX Subject : Re : RESPONSE. From. XXXX XXXX. Customer. Consumer. ( Re : From the XXXX at XXXX XXXX ).
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- From : XXXX XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX Cc : XXXX XXXX XXXX XXXX RESPONSE. From. XXXX XXXX. Customer. Consumer. ( RXXXX : From the GM at XXXX XXXX ).
Good Morning XXXX XXXX XXXX - General Manager - XXXX XXXX - XXXX XXXX, GEORGIA XXXX ( XXXX XXXX ) UNITED STATES OF AMERICA : Thank you for your reply. As you and I, have met in person, before, on several occasions. THIS IS WHERE YOU/XXXX XXXX, XXXX XXXX, GA, CONTINUE, TO MISS THE MARK : To reiterate ; I admanatly, refuse to Purchase Vehicle, from XXXX XXXX ; to be " Ripped-Off '', and to be " Taken-Advantage-Of '' ; to be " Red-Lined '' ; for me, and my Auto Vehicle Loan, to again, be capriciously, Sold to an, Unlawfully, Discriminatory, Predatory Lender - " Redlining '', such as : ALLY ( Auto ) Financial, Terrorists.
Per : XXXX XXXX - XXXX ; XXXX ; XXXX ; Credit Score of : XXXX.
As of XX/XX/XXXX ; XX/XX/XXXX ; ALLY Financial have, and continue, to place FRAUDULENT ; DEROGATORY, Info., on ALL Three ( 3 ) of my Credit Reports. ALLY Financial, is FRAUD ; FALSE REPORTING, for Fraudulent Info., of Credit Score of : XXXX.
Thank you for your time, assistance and consideration.
Most Appreciatively, XXXX XXXX XXXX. Customer. Consumer. HomeOwner/Land Owner. Tax Payer.
XXXX XXXX XXXX XXXX XXXX, GEORGIA XXXX. ( XXXX XXXX ).
Text/Cell : XXXX.
E-mail : XXXX =================================================== -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- From : XXXX XXXX XXXX Sent : Friday, XX/XX/XXXX XXXX XXXX To : XXXX Subject : From the GM at XXXX XXXX XXXX Hello XXXX, My name is XXXX XXXX and I am the General Manager at XXXX XXXX. I see that you visited us and did not purchase the vehicle you are interested in.
I want you to have my personal contact information as well as my assurance to you that I am committed to selling you a car.
What do I need to do to put a car deal together for you?
Where did we miss the mark?
Looking forward to talking with you, XXXX XXXX General Manager See our Disclaimer/Privacy Policy.
================================================
|
| 01/08/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
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My XXXX auto payment did not go through around the XXXX of the month. It comes out of a savings account that I only use for these payments so I don't check it often and this was during the XXXX holiday so I did not notice it until a collection call came in the first part of XXXX. I tried to log in to make a payment and it would not allow me to make a payment, so I called. I could not get a payment processed via the automated system so I waited for a representative. The rep told me that they would not accept my payment because their automated attempts to send the payment through my bank had been rejected too many times so the only way I could get a payment to reflect immediately over the phone was for them to process a XXXX XXXX payment at a fee of {$4.00} using a debit/credit card number. I made the payment received a confirmation and thought everything was ok. This was XXXX XXXX, XXXX. On XX/XX/XXXX I my bank showed an auto payment to Ally went through for my XXXX payment. the first part of XXXX receive debt collector call from Ally. I speak to the rep and find out they are not showing my XX/XX/XXXX payment. I explain to the rep I did it via XXXX XXXX with a fellow rep and ask them to check or get a manager. The rep comes back and confirms they show the activity for the XXXX and apologize and said will notate the account. XX/XX/XXXX my husband 's & my work and personal numbers start receiving call after call from debt collectors for Ally. I call Ally back. They tell me I'm 45 days late, they do not have the XX/XX/XXXX payment reflected. I explain again and ask to speak to a manager. I get put on hold then transferred then hold and then an answering machine picks up. I leave a message and call back number but no one calls me back all day. I call back later speak to another rep who after having to check around and put me on hold for a long time tells me that they show the payment, but my account was blocked by the fraud dept at the time the payment was made and so the account did not accept the payment. I asked why it was blocked and they said it was flagged and blocked by fraud because they'd tried a total of 12 times to send auto payments through the account and they were returned ( my bank does not show these many attempts ). I ask why then did the auto payment XXXX XXXX go through the account successfully if my account is blocked? They said because it took that long with the holiday and such for the system to kick in the block but that the XXXX payment that is showing it's scheduled to go through via auto payment will not process. I ask if they can just unblock my account and credit the payment from XXXX XXXX. They said they do not have the power to do that and this was all determined via some algorithm and advise me to contact my bank and ask them to retrieve the transaction and credit my account. They also didn't understand why the money hadn't bounced back to me already because they have not accepted this $ since XXXX XXXX. I asked how can I get this fixed because every day I'm showing later and later and they said that the only payments they will now accept from me are via XXXX XXXX or XXXX XXXX and I have to go to a location like XXXX or where ever they do these type of payments and make a cash XXXX XXXX or XXXX XXXX payment to Ally for a fee of $ XXXX {$10.00} each transaction and then call Ally and give them the reference # for this payment. I will also need to make 6 consecutive payments like this before Ally will start accepting any other type of payments from me. I called my bank, of course they said they could not retrieve a payment that was already paid out and my only recourse was to file a fraud claim, but I can't because it's not technically fraud because I authorized it and it went to my auto finance company they are just choosing NOT to accept it. I was then told to try to get the XXXX XXXX to credit the money back. I called them and they tell me that the reference number I provide them they can not retrieve in their records and that since I did this payment through one of Ally 's reps I will need to contact Ally and have Ally call them and give them the information they need to try and research anything. In the mean time Ally keeps calling and advised me to get a cash payment via the way explained earlier as soon as possible.
|
| 03/17/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
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Web |
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On XX/XX/XXXX I went to XXXX XXXX XXXX looking to purchase a car with a credit score just over 700 and a single hard inquiry on report that was slated to fall off this year, when I left my credit would drop over 80 points and I would end up with more than 10 inquiries added to my history. Before I even arrived at the dealership, I made it known to the salesman, XXXX, that credit XXXX be an issue because of the high amount of student loan debt I carry, but more importantly - I also stated clearly and reiterated several times, that if it was going to be difficult, I could hold off on the car because I had been working diligently to boost my credit and stave off excessive inquiries - which I EXPLICITLY said I DID NOT want more of. I was assured they could work it out and would run it maybe twice ( by myself and with my partner ). That evening - unknown to me while they had me sit in a waiting area - XXXX ran my credit more than XXXX**6 times***. Never once letting me know they were having issues with lending and instead making it seem like they were just hashing out details with a single lender. I was approved by XXXX XXXX XXXX and left with the vehicle that night.
On XX/XX/XXXX, 5 days after taking possession of the car with all trappings of ownership, etc., I received a text from XXXX XXXX of XXXX stating that the lender needed additional confirmation of income and some other details. After that call, I got a call from a financier at XXXX XXXX also confirming my information and asking questions. At this point in time I was under the impression that this was my lender I was speaking to. It wasn't.
This same day, after the above communications, I received a credit alert, XXXX had run my credit another 5 or 6 times WITHOUT MY KNOWLEDGE OR CONSENT. I only knew because one of the several credit tracking apps I used alerted me to suspect activity. I reiterate 3 things : 1 ) I made clear in my initial interaction this was against my wishes 2 ) This is 5 days after I had already been approved by a lender. 3 ) I was not made aware by anyone at XXXX that this was happening at this time. I texted XXXX and XXXX letting them know this was not okay - no reply. When I reached out that evening to speak the dealership manager ( who now I'm not even sure it WAS the manager because everyt ime I've asked who I spoke with or who's managing I'm given a different name ), the " manager '' stated they were shopping for a better interest rate for me. I stated that this was without my knowledge, against my will, and asinine because I already had the car under the false pretense that everything was settled and done. He assured me the inquires would fall off in 30 days and this was standard practice. Needless to say, they did not. It has had a profound impact on my credit. As I slowly strategize my way out of suffocating student loan debt, I now have to take action on these minor things, that effect me greatly. They are small potatoes in comparison to other credit factors, but it's a big deal to me.
So now, 3 months later, after walking into the dealership with a just above 700 credit score & 1 inquiry on my report that is scheduled to fall off this year, I have 6 - 14 hard inquiries depending on which report is pulled, and am fighting my way back up from a XXXX credit score as of XX/XX/XXXX.
I called XXXX, the report which shows the most inquiries to dispute the XX/XX/XXXX inquiries, and was informed they could not, but I could work with the dealership and lenders to have those inquiries changed to soft inquiries. I immediately called XXXX, my salesperson, and was instantly frustrated as he repeatedly spoke over me and was only interested in his own defensive posturing. So the very next day I went to the dealership to sit down with XXXX, I re-iterated the situation, and she said she would work with their business office to get it handled. That was almost 4 weeks ago. I've followed up once a week every week since for an update and every week I get the same toothless response that she will email the biz office for an update, but I never receive a follow up. This is truly my last resort. Though I appreciate that XXXX is the ONLY person on the entire staff remotely feigning interest in helping get this resolved, it seems that I'm only being helped to empty gestures.
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| 10/11/2023 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I engaged in a consumer credit transaction with XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I endorsed a Promissory Note, where XXXX XXXX took a wet, blue ink signature accompanied by the words without prejudice/recourse, retaining and PROTECTING my Rights as a Consumer from any non-disclosures and fraud.
Pursuant 15 USC 1692 ( f ) ( 1 ), Ive recently disputed this debt, requesting the wet, blue ink signature on the bi-lateral contract/application through a series of Debt Validation and Proof of Claim letters ( certified mail # XXXX XXXX XXXX XXXX XXXX and XXXX ) delivered XX/XX/XXXX. Pursuant to the Truth in lending laws of the United States Code, Title 15 1601 et. seq. and the Fair Debt Collection Practices Act laws of the United States Code 1692 et. seq. the Debt Validation request constitutes a timely written response to the Fair Debt Collection Practices Act notice that Ally, attempted to collect an alleged debt and is not a dishonor of their alleged claim of debt. Nonetheless, they were unable to validate this debt ; as they could not produce the sworn affidavit of claim against me, nor a copy of the bi-lateral contract with both parties signatures ( proof of binding ), nor was Ally able to produce the true and certified copy of the Original Note.
Instead, I received a COPY of the Original Contract with a clearly altered signature, missing the words and phrase without prejudice/recourse which is blatantly illegal. In addition, Pursuant Regulation Z/TILA, I was never made aware of my Right to Rescind and this fact of non-disclosure has caused insurmountable damages. Pursuant 15 USC 1635, without proper disclosure, all financial instruments created through Commercial fraud, are VOID.
As I realized the contract was Fraud and this debt could not be validated by the financial institution nor the dealership ; I, the consumer, ceased further finance payments and Ally Financial consequently referred my account to their in-house Collections Dept for a remaining balance of {$1200.00}. Finance payments totaling {$19000.00} were made to Ally Financial via ACH transfers from my checking account before I ceased payment. Pursuant 15 USC 1692h, I am entitled to and request all payments returned ; as this account is designated CLOSED on my credit report. In addition, this Contract was VOID when full disclosure was not extended to me as the Consumer.
Although I gave notice, required by law Pursuant 15 USC 1692 ( g ) ( b ), in demand to cease and desist collection activities prior to validation of purported debt and that they must validate the enclosed claim of an alleged debt ; Ally Financial continued sending emails, texts messages, and phone calls. These communication tactics in trying to collect on a debt I do not lawfully owe ; the electronic usage and bombardment of mail and phone calls have severely inconvenienced my daily routine. The language in these attempts became abusive in threats to repossess the conveyance without legal proceedings ; which Pursuant 15 USC 1692 ( e ) ( 4 ), diminished my ability to maintain a healthy mental state and consequently, affected my physical health and peace during this chapter. From the non-disclosure of my Right to Rescind to the predatory lending practices, I demand full remedy. My Consumer Rights protected by the FTCAct and CFPAct have been gravely violated. My credit score has been heavily impacted amongst the 3 Credit Bureaus by reporting a debt that can not be Validated ; ultimately a debt I do not owe. I can not take advantage of lower interest rates, I've been denied employment, and the process of purchasing Home for a growing Family has been on halt. I have not been able to enjoy the full freedoms and liberty due to me in the Equal Credit Opportunity Act.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) states, an entity, company, person and etc. are required by federal law to validate - through the physical verification of the original signed consumer contract - any and all accounts an entity, company, person and etc. post on a credit report. '' Ally Financial has been given multiple opportunities to provide proof of their claim and they have not been able to produce proper proof of validation of debt. I demand this be removed from my Credit file and history immediately.
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| 04/13/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Charged fees or interest you didn't expect
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Web |
Older American, Servicemember |
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On or about XX/XX/XXXX, I caught the bus to XXXX XXXX in XXXX, FL to purchase a used XXXX XXXX I noticed they had a used XXXX XXXX online. The same vehicle was a XXXX rental car lot for XXXX, XXXX. I went on a test drive with XXXX, a saleperson while it was dark not accurately seeing it and its lack of features.They used manipulation to get me to purchase a rental car 2 years old that was on the lot with XXXX miles. My credit didn't qualify but my dad sign the loan for the vehicle the next day. The finance manager, XXXX XXXX said '' he would be able to finance only based on the following conditions:7-year service contract, GAP, Protective Coating, Extended Warranty. '' My dad 's credit score was sufficient to purchase the XXXX XXXX XXXX minus the above. XXXX XXXX insisted we purchase the above to be acceptable to the loan. He used Ally however, he told us the protective coating was a gift but it was added to the loan for {$900.00} unknown to us. The total price of the car was {$20.00}, XXXX which was overpriced. Early XX/XX/XXXX after attempting to cancel the warranty, the Finance Mgr tried to get me to trade in on another car but I rejected his offer. Prior to my visit to the dealership, I was in a crash that wasn't my fault but XXXX said because of my lack to communicate the crash effectively, I was responsible. I ask why would I deliberately crash my brand new car? I don't make accusations but this could be seen as a ploy to keep the vehicle, warranty, and GAP insurance by XXXX, XXXX and Ally. After being disgusted, I called XXXX of XXXX 10 - 12X who said the warranty I signed on XX/XX/XXXX with another finance manager who told me because I didn't cancelled the warranty within 30 days I would only receive 90 % refund yet it wasn't processed. The fraudulent acts that resulted from all three businesses were full circle. Several more calls were to XXXX before finally getting them to processed while informing Ally of their deception even sending a copy of the cancellation to Ally. They took this information and decided to restructure the loan to include a daily finance charge I think it was Ally or XXXX either way they may not succeed after the fact, XXXX willing!!!!! I was told XXXX of XXXX would process the cancellation yet it was 3 weeks only after I filed a complaint with XXXX and XXXX of XXXX XXXX and the Consumer Affairs Agent returned my call and lied and said there's no way to see if a cancellation was processed yet all other reps told me they could see it had not been processed!!!
This week I received a call from Ally stating that the warranty was cancelled but I'm being charged a daily finance charge from {$4.00} to {$4.00} and the cancelled only reduce the loan amount to {$17.00}, XXXX which was an astonishing, evil revelation to my XXXX year old XXXX dad and my XXXX year old XXXX mom whose on a fixed income and only purchased the car in order for me to take them to their doctors appointments and we had been deceived many other times by repairmen attempting to fix junk cars we owned for the past two years. We assumed we would be able to purchase a dependable car. I called this elder and middle-aged abuse of power, loan fraud, extortion for personal gain and complete disregard for the " Truth in Lending '' laws or any other laws which protect consumers. Under no circumstances has anyone from the XXXX, Chamber of Commerce, Urban league, FTC and the State Consumer Protection Agency encountered such a auto loan with daily finance charges. We are not Trump, but we too have had a crime committed against us!!!! We feel that XXXX XXXX, Ally, XXXX are the responsible parties!!!! XXXX and Ally Financial should be boycotted. XXXX should give me the car I was originally suppose to get and finance the accurate terms of the purchase of a used car!!!!! Their greediness should be frown upon in the marketplace but definitely in XXXX 's eyes!!!! If they would do this to an elderly couple on a fixed income they will do it to you or a family member given the opportunity!!!!!!! We should be outraged and eliminate further opportunities of deception!!!!! They and other Chamber of Commerce Members have given assault to injuries in every aspect of my life since XX/XX/XXXX but the wrath of XXXX is upon them whether they correct this or not!!!!!
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| 12/05/2018 |
Yes |
- Checking or savings account
- Savings account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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On XX/XX/18, I received an e-mail from Ally Bank stating that they had submitted 2 small deposits and one withdraw to my new linked account for verification of the new account. I had not tried to link any accounts, so I contacted ally Bank on XX/XX/18 to explain that The XXXX XXXX XXXX XXXX XXXX XXXX XXXX was not my account, and I did wanted it removed from my account.
I was informed that Ally in no way could remove the account because of the verification process, but that they would make sure that the verification was cancelled. Then I had to remove the account myself but it could take up to 72 hours to do so. I tried that evening to do so, but was unable to.
I again tried to remove the XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/18, to no avail.
I did not have a chance to try to remove the account on XX/XX/18, but I received an e-mail on XX/XX/18 stating the my transfer request was approved and had been started from Ally.
I logged into my Ally account, and now, it was the XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO removing {$2700.00} from one of my savings accounts. I immediately contacted Ally Bank to say that I did not authorize a transfer of any money to this or any other account. I also explained that I had been trying to remove the account, which had changed from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX, MO.
The customer representative stated that they could no stop the transfer, and that the money might end up in the other account. Then I would have to contact Ally to explain that it was fraud. I demanded that it be taken care of, that they stop the transfer. I did not authorize it.
I was told a case would be opened to investigate the situation and someone would call me back.
On XX/XX/18, I was contacted by Ally Bank, but called them back since I was not willing to give them personal identifying information about my account since they called me. XXXX then told me that the {$2700.00} was withdrawn and in the process of being transferred to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO She informed me that there was nothing Ally could do about it, and told me I had to contact the other bank and stop the transfer. I told her that I did not have an account with the other bank, so how was I supposed to stop the transfer that I did not approve?
She gave me an account number that she could see on her end, and I called the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO. Of course, they could not help me since I do not have an account with them, and the number I proved them was NOT my account. They told me to call my local police department.
I contacted the XXXX, MO police department and made a complaint. ( I figured I should contact them instead of my local police, who is in WV ). I then contacted Ally Bank again, and requested to speak to a supervisor. XXXX assured me that the transfer had failed, and that my money was safe. He also said that I should not have been told to call the other bank.
On XX/XX/18, Officer XXXX XXXX, XXXX, MO PD, contacted me and explained that the gentleman who was the owner of the XXXX XXXX XXXX XXXX XXXX account in XXXX had been scammed by one of two companies, XXXX XXXX XXXX or XXXX XXXX, who had his bank information. The officer was not sure how my Ally account was part of this scam, but one of these companies were using his account. The officer had advised both the gentleman and myself to close our accounts. I assured the officer I would close my account once my funds were not frozen from this situation.
I called Ally Bank again, and spoke with the supervisor, XXXX again. He assured me that the transfer failed and my money would be available on XX/XX/18, but my online account said XXXX instead of XXXX.
My funds are frozen, by my choice, until this is resolved. Ally Bank has not taken the correct precautions to help their customer, me. They have been provided the information I gave them from Officer XXXX, and said that they would submit it to their fraud department. However, no one can tell me when I can get my money back, and it seems things keep changing right before I am able to make any progress.
Ally does not care about their customers. This is the second time I have had issues with Ally Bank within the last four months. The first issue was in regards to my vehicle loan.
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| 03/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have mailed multiple letters with different supporting documents requesting the removal of an inaccurate account from the Credit Bureau. However, I have received the same results every time, " verified as accurate, and frivolous. '' I sent letters XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
I asked for Validation of Debt on XX/XX/XXXX, but I did not receive a response back from the Credit Bureau.
On XX/XX/XXXX, I sent a letter again asking for Validation of Debt and Proof of documents used in the investigation, but instead the Credit Bureau sent me a letter dated XX/XX/XXXX, stating ... contact the Original Creditor.
Unbeknownst to the Credit Bureau, I already sent a Request for Validation letter to the Original Creditor the same day XXXX sent them a letter on XX/XX/XXXX. But I did not receive a response back from the Original Creditor within 30 days. However, I did receive a letter later, postmarked XX/XX/XXXX from the Original Creditor that included contradicting and inaccurate information regarding the disputed account. I also received a letter from a Debt Collector on XX/XX/XXXX regarding the Original Creditor, but with an Account Balance of {$820.00}, which is inaccurate.
First, In the documents sent by the Original Creditor, the document ( Payment History ) did not match the Payment History on my Credit Report.
Secondly, I made two payments on XX/XX/XXXX ( {$180.00} and {$25.00} ), but these payments were not reflected on the document ( Payment History ) the Original Creditor sent me. The Balance remained the same at {$12000.00}, but on my Credit Report it reflected a different Balance of {$12000.00} during XX/XX/XXXX.
Thirdly, on the document ( Payment History ) the Balance remained the same at {$12000.00} on XX/XX/XXXX, even with two payments made. On the document ( Additional Information ) dated, XX/XX/XXXX, the Balance was a different amount of {$13000.00}. But, on my Credit Report the Account Balance was a different amount as well, {$13000.00}, during XX/XX/XXXX.
Lastly, the document ( Surplus and Deficiency ) dated 08/09/2017, reflected a balance of {$12000.00}, which does not make any sense because the balance decreased without any explanation. None of these documents reflected the same balance at any point in time. It is evident that there are errors not only in the Original Creditors system, but my Credit Report also did not reflect accurate information.
On XX/XX/XXXX, I attempted to contact the Credit Bureau asking them again to provide valid proof that the account was indeed accurate and what documents they used to complete their investigation. I received a letter back from the Credit Bureau on XX/XX/XXXX, but with an updated Balance with even more errors. Before the dispute, the Account Balance was {$4600.00} and after the dispute the Account Balance was {$370.00}. However, the Recent Balance remained the same at {$750.00} as of XX/XX/XXXX and XX/XX/XXXX.
On XX/XX/XXXX, I sent a letter to the Credit Bureau asking them to delete the account if it can not be properly validated as accurate. I received a letter back from the Credit Bureau on XX/XX/XXXX, stating if I do not have any additional relevant information, the dispute is considered frivolous.
On XX/XX/XXXX, I sent a letter with additional relevant information to the Credit Bureau including the contradicting documentation I received from the Original Creditor, postmarked XX/XX/XXXX. I also sent the Credit Reports that had errors in them that I received from them. I explained that the Payment History in my Credit Report and in the documentation sent from the Original Creditor did not match. I also explained that the two payments did not reflect a change in the Total Balance in the Original Creditors documentation : ( Payment History ). I further explained that I believe the Original Creditor misrepresented the amount owed and overcharged me the same fees, twice. On the ( Additional Information ) document, I was charged {$400.00} for Repossession and on the ( Surplus or Deficiency ) document I was charged {$790.00} for Repossession. I received a response from the Credit Bureau on XX/XX/XXXX, that the account was updated as accurate, and it remained on my Credit Report.
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| 09/13/2018 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Yesterday morning my car was repossessed by a bank that was not my lien holder and they were extremely uncooperative in getting my car back to me. My car was wrongfully repossessed by a bank that had no ownership of the car.
I was trying to get out the door to go help my dad before taking my son to school, my dad is recovering from XXXX. I looked out my window to see my car being towed in my driveway. I asked what was going on and the man operating the tow truck vehicle tells me that my car is being repod. I ask if I can get my stuff out of my car. He lets me get the stuff out of my car. I ask who is trying to repo my car he says it's Ally. I tell him my loan is through XXXX XXXX. I give him my keys and call XXXX XXXXXXXX they tell me that my account is current and that they are not trying to reposes my car. They tell me to call the police. I call the police and tell them what's going on they inform me there is a list for repos and they're going to see if my car is on the list. An officer arrives about 30 minutes later saying the car is on the list for repossession. Officer is kind enough to stick around and help us figure out the situation. Officer gave me a number for the repossession specialist. Call repossession specialist and she mentions the name XXXX, Ally Bank, and XXXX stating that they are the companies trying to reposes the vehicle. XXXX seems to be a previous owner. There are concerns that XXXX ( whom I purchased the vehicle from ) has bungled the paperwork. I'm advised by repossession specialist and officer to contact my bank so that they can discuss the situation with Ally so that my car can be released. I'm also advised to contact XXXX.
I contact my bank and talk with an auto loan specialist who again confirms my account is current, my call is transferred to the agent I talked with initially that morning. My call is forwarded to the repossession team. XXXX is now handling the case. XXXX contacts the recovery specialist that currently has my car. She also contacts the two companies the repossession specialist said are responsible for the repo. Both companies state that they are not trying to repossess the vehicle. Ally claims the car was paid of in XX/XX/2018. XXXX faxes over my information to the repossession company showing my ownership and that XXXX XXXX is the lien holder.
I was advised by a representative of Citizen Services at the Office of the Attorney General to call the police back and confirm where the repossession order came from. The police confirm the repossession order came from Ally Bank. The repossession team coordinates with Ally and XXXX to have my car returned to me. Ally Bank refuses to cooperate. Ally bank initially denies sending out a repossession order for the vehicle, while XXXX XXXX 's repossession team is trying to coordinate with them they refuse to give a hold harmless letter for my car to be released and hang up on XXXX XXXX 's team repeatedly.
I call XXXX the previous owner of the car is named XXXX XXXX. I call Ally my phone call is subjected to an automatic messages stating that they are attempting collect the amount that I owe them and that any information will be used for that purpose. The agent that I talk to looks in Ally 's system to see if I have an account with them. I am not in their system, they transfer me to upper management. I inform them that they have repossessed a car that they have no right to try to repossess, they are not the lien holders. I ask for a copy of the repossession order so that I can figure out where everything has gone wrong. XXXX with upper management refuses to produce the documentation. She says I have to proof of purchase and proof that the car is mine and that the legal department will review it from there. I ask her how long it will take the legal department to review it she says up to 24 hours. She gives me an email address to send the information to. I try to send the email and the email address given to me is invalid.
Eventually my case transfers to XXXX with XXXX XXXX 's repossession team she finally has a break through and is able to get the car returned to me. It took 10 hours to get the situation resolved.
I'm filing this complaint about Ally Bank but will be following up with XXXX next.
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| 03/31/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
Older American |
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I leased a new vehicle on XX/XX/XXXX. The first payment was due at signing and was paid/completed by the dealer on XX/XX/XXXX. On XX/XX/XXXX I set up an online account with the company in order to make the monthly lease payments. While trying to make the XXXX payment, the online payment system would not accept my 14-digit checking account number, a pop-up stated it looked like I was entering a credit card number. I double checked the number and tried again, but to no avail. I tried again by reducing the number of digits in the account number and scheduled a payment for XX/XX/XXXX. On XX/XX/XXXX I received a text that my payment was returned. I called the customer service number and inquired why the payment was returned. I explained what I experienced on XX/XX/XXXX, and the rep thought there might be an issue because the dealer made the first payment. The rep said they were going to send an urgent request to check/revise the system and to wait a couple days to try to make the payment. On XX/XX/XXXX I attempted to make another payment, the system still would not accept the 14-digit account number, so I shortened the number again and submitted the payment. On XX/XX/XXXX I received a text that my payment was returned again. On XX/XX/XXXX I called customer service again to inquire what was going on and explain the issue with the account number. They initially tried to blame me for entering an incorrect number and to try again. By now I started to insist on speaking with someone with higher authority. I was forwarded to the escalation team where a rep there said they had run into the number issue before. They instructed me to reduce the account number by dropping the last two digits in the number. They also said to wait two days before trying again so they could address late fees that were being assessed. By now I was getting concerned because the XXXX payment was late. I waited until XX/XX/XXXX to make another payment, per the rep 's instructions. On XX/XX/XXXX I received a text that my payment was returned. At this time I was getting very concerned and upset. I called the customer service line again, insisting to speak with someone in authority, but to no avail. I finally spoke with a rep who helped calm me down and they asked me to inquire with my financial institution about the account number. I then immediately called my financial institution and inquired about the 14-digit account number. I was informed that the account number was valid and a standard numbering scheme, and that the number could not be altered or the payment request would be rejected. My financial institution suggested using a different account, such as savings, which has fewer digits. I took the advice and returned to my account on the company website, and I set-up my savings account for payment and made a one-time payment for XXXX and XXXX, which was successful. The payment cleared my financial institution on XX/XX/XXXX. On or about XX/XX/XXXX I received a letter dated XX/XX/XXXX stating that a restriction had been placed on my account and the company would only accept payments in certified funds. I would have to make 6 consecutive payments via certified funds, and then I could call to have the restriction removed. My frustration level reached a limit and I was very upset. I again called the company customer service line again on or about XX/XX/XXXX to get the restriction removed, but to no avail. I then called my dealer to inquire if they had heard of my issues with the company. I asked if the dealer had another number for the company. From this exchange I did call a different number which allowed me to reach a U.S. representative. FYI, the company uses a call center in XXXX ( I assume ) and all customer service calls go to them, and I had to request to speak with an american representative. When I reached an american rep, I ended up requesting to speak with a manager/supervisor. I was informed the supervisor was on another call and would have to call me back. I received no callback. I called the company again on XX/XX/XXXX, reached an american rep and supervisor, and I was told that there was no one in the company that could remove the restriction on my account.
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| 01/27/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
Servicemember |
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In approximately XXXX of XXXX I cosigned on a vehicle for my son with Ally Financial. The vehicle was stolen and wrecked in the beginning of XXXX. The stolen vehicle was not covered under the liability insurance he had, and the vehicle was totaled. Not sure why there was no full coverage on the vehicle, that remains unclear. He eventually fell behind on the payments and I was not made aware of the situation until the vehicle was repossessed in XXXX of XXXX. To get the vehicle released I had to pay the balance due ( {$1300.00} ) according to their records plus {$400.00} fee to get the vehicle out of repossession. When I looked at the Ally statements my son was behind a partial payment for XXXX and the XXXX payment and the due date for the next payment In XXXX had not come due, which means he was two months behind when they repossessed the vehicle. I was notified in XXXX of XXXX my son had fell behind over the course of the previous 4 months and I again had to step in and catch up the payments in XXXX of XXXX, when I went to make the payment a miscellaneous charge of {$1300.00} was on the bill. When I inquired as to what the charge was for the Ally Financial department said they didn't know, and they would look into it. During that same phone call, I asked that Ally send me a breakdown of the payments on the vehicle over the last 12 months because I could not access all the statements online. A month went by and I heard nothing, so I again inquired to Ally about the miscellaneous charge, and they said it was from their repo department and gave me a number to call. I called the number and an automated answering system asked for my information and then told me I had nothing in repo and to call back in two hours and the system hung up. I tried calling several times and the same thing happened each time. I engaged Ally again when I made the XX/XX/XXXX payment and asked about the miscellaneous charge of {$1300.00} and again, they said they would get back to me after transferring me to 6 different people. I went online and checked the account in the beginning of XX/XX/XXXX, and it said my XXXX payment was past due although a payment was shown to have been made, except instead of applying the payment to the vehicle it was applied to the miscellaneous charge. I contacted Ally AGAIN and they just kept sending me from one person to the next and I it was getting nowhere, and my credit is being affected very negatively.
On XX/XX/XXXX I contacted the XXXX XXXX XXXX regarding the matter and on XX/XX/XXXX Ally sent me an email with the Customer Relations agents contact information and directed me to call them. I tried many times to reach the agent and just got voicemail. Finally on XX/XX/XXXX I was able to reach the Ally agent and she talked with me about my complaint and said she would investigate it and call and/or email me back with her findings. I did not hear from the Ally agent and tried many times to reach her leaving a voicemail each time. After not being able to reach her, I followed up with the XXXX and let them know I rejected Allys response.
I requested, via email, from Ally that they send me all the statements since the inception of the loan because I can not access but a few of the statements online. The partial set of statements I have for XXXX has a lot of questions that need to be answered. In the statements for XXXX, XXXX, XXXX, and XXXX of XXXX the payments all went to an Other Charge section of the statement instead of to the loan payment, this also occurred in XXXX of XXXX. Each time the payment was applied to this Other Charge the total balance due went up and was being reported to the credit bureau as behind. In addition to the credit impact Ally told be they were going to repossess the vehicle in XXXX of XXXX if I did not pay them {$3300.00} of which {$1300.00} was a miscellaneous charge as indicated on the Ally web account. I refused to pay the {$1300.00} unless they told me what it was for, outlined in the early part of my writeup. This brings me to today in which I am requesting assistance on this issue with Ally. I have had nothing but issues with Ally and there shady billing tactics and it needs to be investigated.
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| 09/28/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem related to refinancing
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Web |
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Beginning of last month, I called Ally Financial XXXX to get a loan to payoff my lease. I informed them that my nephew and I were looking to submit a joint application because he is in need of a vehicle and is building his credit, but he has never obtained an auto loan.
We provided all of our personal information ( ssn, income, addresses, etc. ) asked by the Ally representative. The Ally representative then said that if we were to get a loan jointly that I would be required to be on the auto insurance policy which I am not sure why that mattered. At this point, I felt reluctant to go any further with the application because we were not calling Ally for information on auto insurance coverage. However, my nephew was still hopeful and anxious, so we continued with the application. During the call, I told the Ally representative he was wrong because as long as one party ( borrower or co-borrower ) is listed on the Title they can get sole auto insurance coverage. The Ally representative placed me on hold to check if what I said was legit only to return to the call to tell me I was right which was a complete waste of our time. Thereafter, the Ally representative asked a series of questions pertaining to the amount we were looking to finance ; he was able to pull the payoff amount for my lease directly from Ally 's system he said, then he asked if we would like to include a down payment which we said yes, roughly {$2000.00} or {$3000.00} is what I believe we stated. The Ally representative did indicate that a down payment was not required, so we asked for preliminary figures for both ( down payment and no down payment ). My nephew and I determined that putting money down was the best route based on our financial needs and told the Ally representative that we would like to move forward. The Ally representative read a lengthy disclosure about pulling our credit that required us to give our consent in order to proceed which we did. The Ally representative stated he would submit our application to underwriting for review, he said they ( underwriting ) will review our credit and income to make a credit decision. I did mention to the Ally representative that my neighbor bumped into the passenger door while the car was in park and the vehicle is scheduled to get repairs in late XXXX because that's the soonest XXXX XXXX could find an appointment slot in our area.
A few days later, the Ally representative called back asking me if I would like to get a loan without adding my nephew and he was alluding to me proceeding with the application as a straw purchase which by definition, is an illegal transaction as I had clearly explained our loan purpose upfront. The Ally representative asked if my nephew has credit established and my response to him was to pull our credit reports and see for yourself as I thought that was the whole purpose of gathering our information for underwriting 's review. The Ally representative said they at Ally didn't want to do a hard credit report pull only to find out that my nephew doesn't have enough credit to prove loan worthiness and the pull would lower our credit scores, like they were doing us a favor.
I felt so disgusted and discriminated against because none of the expectations that were stated upfront nor the terms and conditions explained in the verbal disclosure ( s ) actually took place. To this day, we never received a declination letter from Ally nor was our credit report ever pulled. To my understanding, this is a Regulation B violation. From the start of the call, it seemed like Ally was looking to find reasons to not submit our application and/or intimidate us to not move forward with pursuing a loan with them and I never missed a payment with Ally. We provided our information in good faith and under the impression that the application process would be seamless.
Today, I got a letter in the mail from Ally stating to turn the car in or they'll recover it. I called the phone number provided on the letter and I have to pay for a lease extension until the car repairs are completed and have agreed to keep the vehicle insured at least until the repairs are completed, but I am not happy with Ally at all.
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| 07/25/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
Servicemember |
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Ally Auto Financial approved 2 auto loans against my credit report without any request for documentation or request to verify my income. The 2 auto loans combined total more than my income. I was forced to purchase both an extended warranty for over 4000.00 plus gap insurance. In addition, I believe I am a victim of XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXXXXXX KS whereas Ally Auto Loan is the lender. I requested a loan rescission due to the amount of issues the vehicle I purchased started having after driving it off the lot. I returned it the next day for repairs. The opportunity to earn my business has faded over the past few weeks. My trust in the dealership has depreciated and my desire to purchase a reliable vehicle from this establishment has become nonexistent. These feelings do not come without reason. My initial purchase of the XXXX XXXX was thwarted when the check engine light came on after driving it for a period not greater than two weeks. After the service department stated they had taken it to a local XXXX dealer for a firmware update the light came back on after a day or two of driving and the 12v outlets did not work. My husband and I thought to upgrade to the XXXX since we liked driving it as a loaner. We were able to get into a frost grey version which came with a list of acceptable problems. Those problems were acceptable until the risk of overheating entered the picture because it sprang an antifreeze leak due to a cracked hose in the coolant system. After a bit of research, I found out that there were over XXXX XXXX XXXX XXXX recalled. The recall message from XXXX stated, if the coolant leak goes undetected, it could lead to an accumulation of coolant in ( or on ) the catalytic converter heat shield insulation and then catch on fire. To top it all off, the warning light appeared stating the vehicle is due for regular maintenance which is priced at $ XXXX {$350.00}. This is the second vehicle that I have attempted to purchase that has had both minor and major issues that were not addressed prior to me taking ownership. Everyone at the dealership has been friendly, cordial, and inviting. There have been multiple examples of someone stating something that was not exactly truthful. In fact, I began to lose faith when someone told my husband that the TPM light is on because it is set that way prior to selling a vehicle. To disprove this myth, we put air in the tire and the TPM light went off. Encountering all the small situations where a vehicle is not in proper running order, dishonesty, and not speaking openly about the known flaws of a vehicle has prevented me from developing relationships, trust, or confidence to purchase a vehicle that does not have the potential to experience a breakdown in the near future. I trusted the sales and finance teams to provide me with a reliable vehicle where my husband, children, grandchildren, friends, and I can reach our destinations safely, this has not been the case. Instead I have received 2 vehicles that fall under the Kansas Lemon Laws. However the finance manager has violated the Truth in Lending and the Kansas Lemon Laws because they are forcing me to purchase the car and none of the problems have been fixed and now I am without a vehicle and have been without the vehicle I purchased the past 2 weeks. I contacted Ally and to my surprise they show 2 auto loans for the vehicles I returned to the dealership. I was shocked and now I feel stuck and wish I would have done my research. Lessons Learned from this nightmare in buying a new vehicle to pick up my grandchildren in and spend time with them. The finance manager told me they would return the loan financed to the lender Ally Financial and therefore I trusted they sent the funds back and now I am stuck with 2 auto loans with no vehicle. Both loans total more than my income alone. I reached out to Ally Auto Financial and they referred me back to the dealership with no intention to resolve the issue. This has been extremely stressful for me, I am a grandmother and the only thing I wanted to do was find a affordable reliable vehicle and now I have lost all trust in both the auto industry and auto lending industry.
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| 02/04/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Incorrect information on your report
- Account status incorrect
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Web |
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In advance please note this is related to a lease concluded in XXXX.
Therefore some details are now challenging to present.
At auto lease conclusion in XXXX, we were informed by Ally to drop the vehicle off at any XXXX dealer. We did so at our nearest location. Note we were never asked to schedule appointment to access the vehicle for any excess wear and tear.
A week or two after dropping off the vehicle Ally sent an invoice for wear and tear. I believe it was as I recall for about {$500.00}. We immediately sent letter ( attached ) disputing and pointing out that as example, a key fob they invoiced had already been returned to dealer. In addition we requested more information as to what they were charging for as none had been provided ( i.e. pictures ).
After some discussions with Ally representatives, they agreed to lower the excess wear and tear amount, as I recall, I believe down to {$180.00}. We agreed and paid that amount with understanding that this would close us in good standing. Note I believe Ally sent a letter to that effect which I am searching for in records. They can not produce that information either stating that it's due to how old the account is.
So in summary of information presented above regarding end of lease process, we were in our opinion over billed for lease wear and tear and came to agreement with Ally to lower the amount, which we paid. At that time all seems to have been right with the account and we heard nothing more until about XX/XX/XXXX of this year.
Note during this period of time from XX/XX/XXXX to XX/XX/XXXX nothing appeared on my credit report, all scores were showing as exceptional in the 800s. Also during this time we did 2 mortgages, new auto leases, new auto loan, new credit card, etc. Not one time did this item appear as issue on credit reports.
ONE OF THE ITEMS REFERENCED ABOVE WAS EVEN A NEW AUTO LEASE WITH ALLY IN XXXX OF XXXX! Why would they establish a new lease with us if we were in bad standing on previous account closed in XXXX of XXXX?
Around XX/XX/XXXX my credit report was ran for a new mortgage. Suddenly there is now information being reported by Ally that the lease referenced above had been severely delinquent, paid as settlement, and includes status of " Account paid in full for less than full balance ''.
To date I have called Ally on 3 separate occasions in attempt to resolve. A dispute number XXXX has been filed with them. Note information is very vague as they continually state in most instances that they are unable to pull up any account information due to be closed and how old it is.
Most calls merit them not being able to state any amount being showed as owed. However one agent seemed to find a {$330.00} balance referenced. This could be the amount that they deducted from original invoice due to us having provided key fob and insufficient information to support wear/tear charges. HOWEVER, ANOTHER MAJOR NOTE ON THIS ITEM IS ; HOW CAN WE BE DELINQUENT IF THEIR CALL CENTER AGENTS CAN'T EVEN PULL UP ACCOUNT AND TELL US AN OWED BALANCE?!!
As per information noted above, we did not settle this account for less than what was owed. Instead, Ally agreed that they did not have sufficient reason/information to charge us the amount originally invoiced for wear and tear and lowered.
What also makes no sense is that this would be erroneously reported almost a full 5 years after account was closed. If Ally truly thought we were in delinquent, settlement, or balance owed status, why would it not report out immediately. It certainly seems they suddenly have had an account/system error that sent this incorrect information.
In conclusion it is extremely frustrating that Ally representatives can produce no viable information, nor are able to assist in resolution. After I called the first time they stated it would be looked into. It wasn't until my second call that they even provided a confirmed dispute number. Note I have also attempted to log into our previous on-line account and it no longer allows me to do so.
The issue likely means we may lose out on mortgage opportunity that could cost us thousands of dollars. We need immediate resolution.
Thank you
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| 09/26/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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Dear ALLY FINANCIAL, I am responding to your contact about a debt you are trying to collect. You put on my credit that I owe you a debt. Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed.
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from.
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay.
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor.
State the amount of the debt when you obtained it, and when that was.
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.
Tell me when the creditor claims this debt became due and when it became delinquent.
Identify the date of the last payment made on this account.
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
Details about your authority to collect this debt.
I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us.
In addition to providing the information requested above, please let me know whether you are prepared to accept less than the balance you are claiming is owed. If so, please tell me in writing your offer with the amount you will accept to fully resolve the account.
Thank you for your cooperation. Sincerely, XXXX XXXX
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| 02/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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The details below coincide with a fraud alert I received on XX/XX/XXXX that my SSN has been found on the dark web along with details that it is not possible to know how long my SSN # has been available. As the victim of Identity theft I have been going through the trials and tribulations that come with being customized, including the need to keep lenders responsible ( the burden of proof is on the lender to provide details substantiating their claims ) knowledge of my SSN # being found on the dark web is not a first and wont be the last it will happenagain. However I have been proactive in protecting my file. Ally financial seems to be completely missing my alerts and shotgunning my credit on the daily getting through multiple inquiries for a single day when I may remove a credit freeze. Ally financial reports XXXX hard inquires every time this occurs. And is reporting inquiries and sending me letters of credit denial nearly every few weeks for credit I did not ask for. Requesting Ally Financial immediately cease and desist all association with my credit profile going forward and requesting removal of erroneous hard inquires regardless of where they were pulled ( whether the big XXXX CRAs or the smaller companies like XXXX, XXXX, XXXX, and the like ), placing my credit profile off limits to this lender until such time that I myself may request credit from them after confirming identity or internal safeguards are put in place to ensure consumers are not victimized by ID theft out of their control. Also reporting the company deliberately appears to report dual credit inquires showing as hard inquires each and every time they pull credit ( see below for dates ).
I first had identity stolen which I discovered in XX/XX/XXXX. Immediately filed reports as recommended. My credit profile contains a current fraud alert notifying banks to call me and confirm identity BEFORE RUNNING MY CREDIT AND IF THEY CAN NOT CONFIRM THEY ARE INSTRUCTED THAT IT IS LIKELY FRAUDULENT. This bank has completely disregarded the fraud alert to date. The inquires below are unauthorized and should have been blocked by one or both of : my credit report freeze, or after confirming I did not request credit by calling me XXXX to confirm my intent per my fraud alert. I will submit that they have removed a couple inquires but the vast majority remain. Again, each time they pull using XXXX diff addresses so XXXX hard inquires are added. After seeing that they had turned down a consumer 1 day prior, there is no need to further inquire. Even if these requests were made by me and I was asking for credit from them daily, there should be internal controls to protect consumers from this erroneous reporting of hard inquires and further harming their credit score. I prefer to handle these matters outside of court, but I do have an attorney and will pursue damages if these inquiries are not removed immediately. I will stipulate that XXXX XXXX XXXX XXXX did obtain my permission to run my credit. I did specifically ask that they NOT shotgun my credit to lenders nationwide, rather asked that they keep it with XXXX XXXX where I had a pre-approval on file. I will agree that XXXX XXXX XXXX XXXX is responsible for this one instance. Aside from that, the inquires in XX/XX/XXXX are not authorized nor is the entry of dual inquires dated XX/XX/XXXX authorized.
Specific dates ( each date corresponds to XXXX hard inquires from Ally against my credit profile with XXXX, but this complaint is for all reporting of inquires across any and all consumer reporting agencies large and small ) : XX/XX/XXXX - XXXX inquires from same lender XX/XX/XXXX - XXXX inquires from same lender XX/XX/XXXX - XXXX inquires from same lender XX/XX/XXXX - XXXX inquires from same lender XX/XX/XXXX - XXXX inquiry from the lender This is XXXX unauthorized credit inquires all harming my credit. With the possible exception of XXXX inquiry, the rest of these are inaccurate or a computer glitch causing repulls twice every XXXX day towards the end of XX/XX/XXXX. I will be filing this same complaint against multiple other lenders deliberately pulling my credit without full authorization of an identity theft victim.
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| 01/23/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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This is emails in which I have submitted to Ally over the course of time since receiving the first letter about a late fee.
Re : Late Fee CASE : # XXXX To Ally Auto XX/XX/XXXX Again this has been going on for several months now it is under the name of XXXX XXXX and XXXX XXXX XXXX Account number of XXXX I am uncomfortable with putting the vehicle Identification number on here which you should already have from this account number. I have since spoken with a XXXX who states he is a floor supervisor and XXXX XXXX in XXXX XXXX on XX/XX/XXXX at XXXX XXXX. XXXX refused to give me any corporate information he stated he had to send it up to the next chain of command and that he could not give me Corporate information until it went there. XXXX had me on hold for 27 minutes as he stated he needed to read the notes I asked him if he could contact XXXX in XXXX XXXX with the ID no # XXXX to let me know where the secure email he was to send to me stating this account was paid in full. XXXX stated to me he was not going to contact XXXX but I could I said if I knew how to get in touch with someone that worked for them trust I would. I further explain that I was at work at the Department of Justice when i received that call and if need be I have a witness to the phone call as it was on speaker and they would be willing to sign a affidavit to the information of this account being paid in full and that a secure email would be sent. XXXX said he would speak with his supervisor and give me a call back that has yet to happen as it is now XXXX XXXX on XX/XX/XXXX.
From Ally Auto XX/XX/XXXX Hello, We received your request for account information. We're unable to complete the request at this time because we can't locate an auto account in your name.
Please reply to this message with either the full 12-digit account number or the complete 17-digit Vehicle Identification Number ( VIN ) of the vehicle.
Sincerely, Ally If you submitted more than one request, you may receive additional responses in a separate message.
To Ally Auto XX/XX/XXXX Hello, Hello yet again I sent this message originally back in XXXX with no repose : and now in XXXX with the same generic message to call your office in which I have done numerous times I called on XX/XX/XXXX @ XXXX XXXX eastern time and was told someone would call me back here it is XX/XX/XXXX @ XXXX XXXX Eastern time and no phone call as of yet!!!!
I spoke with a Customer service representative on XX/XX/XXXX @ XXXX XXXX by the name of XXXX he stated he was in XXXX XXXX and his ID number was XXXX. he indicated he was sending me a secure email stating that the amount of {$1000.00} WAS PAID IN FULL. I have yet to receive that secure email and I spoke with a representative who indicated he was a supervisor stated that I made no such call that the only call you guys had was me speaking with XXXX on XX/XX/XXXX at XXXX XXXX where in he offered {$34.00} dollars off what is showing to be late fees. Which is why I called back on XX/XX/XXXX because I was told that is not right and that is when i was told by XXXX it was paid in FULL. I have a recording of that actual call if needed because I still as of yet to receive said email reflecting said conversation that Ally system showed it paid in FULL. I can be reached at ( XXXX ) XXXX anytime after XXXX Monday thru Friday and anytime on Saturday.Thanks in advance and expect a response ASAP and not an email saying to call you guys because I have already done that numerous times to try and resolve this matter.
I am again reaching out to you guys in regards to this matter as I spoke with a representative by the name of XXXX who hung up on me when I gave him documentation of my call with XXXX stating it was a misquote. It is now XX/XX/XXXX and I have receive not one proper response other than to be hung up on by a representative for asking for who I can send a FOIA request for the actual phone call with XXXX since I was told the call never happened. I would appreciate someone contacting me ASAP in regards to this matter. I received a letter stating I did not contact you guys, but I have constantly contacted you guys in order to resolve this matter.
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| 04/22/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Money was not available when promised
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Web |
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On XXXX XXXX, 2023 I made a XXXX transfer from my Ally saving account to my XXXX XXXX XXXX XXXX checking account for {$1800.00} and another transfer on XXXX XXXX, 2023 from my Ally saving account to my to my XXXX XXXX XXXX XXXX checking account for {$290.00}. I never had any issues with XXXX in the past, so I didn't think anything of it, until on XXXX XXXX, 2023 I realized I never received either amount in my XXXX XXXX XXXX XXXX checking account.
So I disputed the XXXX transaction with Ally on their website and they warned me saying it would take 10 days to do an investigation. They credited my savings account for the transactions on XX/XX/2023.
We then received a letter from Ally dated XX/XX/ 2023 stating that they found no errors and saying the transaction was complete and that they would withdraw the money from our savings account on XX/XX/2023. Alas, we were out-of-town and therefore didn't come across the letter from Ally until XX/XX/2023. I checked the Ally savings account and sure enough it was withdrawn and I checked the XXXX XXXX XXXX XXXX checking account and it still was never deposited.
So on XXXX XXXX, 2023, I called Ally and spoke with XXXX in Disputes and explained the situation and he recommended that I contact XXXX XXXX XXXX XXXX to see if they can see anything. I called XXXX XXXX XXXX XXXX and spoke with XXXX. Realizing that my issue was more of an online banking issue, he transferred me to XXXX. XXXX stated that she didnt see anything on XXXX XXXX XXXX XXXX end of things and so I called Ally again and spoke with XXXX and gave her the case # XXXX that XXXX gave me. I told her that even though it says that it is complete I never received it and I can show proof by showing my bank statement. She recommended I submit my proof through Allys secure messaging online. So I submitted my XX/XX/2023 bank statement from my XXXX XXXX XXXX XXXX checking account with the following statement to Ally through their secure messaging...
_______ This is regarding case # XXXX. Attached is our checking account bank statement with XXXX XXXX XXXX XXXX ending in XXXX showing proof that I ( the recipient of the XXXX transfers : {$1800.00} and {$290.00} ) never received the funds, but the funds are still withdrawn from my Ally savings account # ending in XXXX.
Attachments XXXX XXXX XXXX XXXX Statement XXXX Transaction Disputes XXXX _______ XXXX with Ally called and left a message on XX/XX/2023 giving Reference # XXXX and asked to call them back at XXXX. So I did on XX/XX/2023 and the lady who answered said that Ally tried to send a dispute letter, but the letter bounced back. Apparently, they have my wrong address saying XXXX instead of XXXX. She said she would get it corrected on their end and send the letter back out. As of XX/XX/2023, the only letter I've received from Ally was the letter dated XX/XX/ 2023 stating that they found no errors and saying the transaction was complete and that they would withdraw the money from our savings account on XX/XX/2023 She also asked if Ive contacted XXXX yet and I told her no.
I looked online and contacted XXXX via their website after my conversation with Ally and XXXX emailed me back right away stating...
__________ When you are enrolled with XXXX at your financial institution : When using XXXX within your financial institutions mobile app or online banking service, your bank or credit union will assist you with any issues you may be experiencing. For further assistance, please reach out directly to your financial institution at the number on the back of your debit card.
__________ But Ally isnt helping!!!
Called Ally on XXXX XXXX, 2023 and asked to speak to a manager right away. XXXX came on the phone and I informed him that I feel like I'm getting the run around and if we get nowhere today Im going to contact the Consumer Financial Protection Bureau and the XXXX I told him I have a case # and reference # and I gave him both. I explained the situation and he realized he couldnt do anything so he said he would escalate it to another team that is there tomorrow. He said I should receive a phone call within 1-2 business days. I never received that phone call.
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| 05/03/2021 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX DOB : XX/XX/1978 SOCIAL SECURITY # : XXXX RE : You violated the United States Code Law 15 U.S. Code 1692g - Validation of debts This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT.
15 U.S. Code 1681b - Permissible purposes of consumer reports Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report.
FDCPA 8012 furnishing deceptive forms You reporting this false misleading information that you received from creditors to my credit report without my authorization. you never verified that i signed any documents before you took it upon yourself to report these deceptive forms on my credit report.
I XXXX XXXX was entered into credit transactions that i did not consent to or authorize. I Testify to XXXX that ME, AND ONLY ME CREATED, WROTE/WRITTEN this letter on MY OWN BEHALF WITH NO HELP FROM OTHERS. I am sending this letter on purpose for sure. and i am not mistaken about any materials. I was entered into consumer transaction with ALLY FINCL Account Number : XXXX. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but ALLY FINCL took cash. The finance charge is suppose to include insurance, but ALLY FINCL made me purchase insurance separately. I was entered into a consumer transaction with XXXX XXXX XXXX XXXX XXXX Account Number : XXXX. A consumer credit transaction in which I was tricked into thinking that I got a loan when in reality I only came for the credit, the promissory note was for them because XXXXXXXX XXXX XXXX XXXX XXXX got the loan 15 usc 1431. XXXX XXXX XXXX XXXX XXXX used my information to obtain an extension of credit, 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person. my information was used by XXXXXXXX XXXX XXXX XXXX XXXX illegally to obtain my approval status for an extension of credit. As a consumer these accounts on this letter must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, XXXX XXXX XXXX, and federal trade commission. Please remove all fraudulent accounts as I have no know of any of these accounts due to the XXXX data breach/ identity theft. All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. If I received good and services, please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ). My information was obtained without permissible purpose.15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I demand that the following account be verified or removed immediately : 1. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I D XXXX XXXX XXXX XXXX XXXX Account Number : XXXX As a Consumer by law this account must be deleted.
02. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I D ALLY FINCL Account Number : XXXX As a Consumer by law this account must be deleted.
Thank you, XXXX XXXX
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| 07/18/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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Ok so Im having a problem with ollo credit card. On XX/XX/XXXX I called in and told them I was traveling to XXXX XXXX to make sure I wouldnt have any issue with the card when I got there I also did it on the ollo app. I get to XXXX try to use my card and it was denied. I called in and I was told it was flagged because its being used in XXXX I told them I called in before traveling to let them know so I wont have this issue. I was told I would need to fax a copy of my ID and a utility bill and it can only be faxed not emailed. I didnt have access to a fax machine so I was stranded in car rental late at night with my XXXX XXXX girls. When I returned to XXXX I sent in what was requested on XX/XX/XXXX waited the XXXX called in and was told they couldnt see the ID and that I would need to fax another copy. On XX/XX/XXXX I faxed a second copy of the ID waited XXXX called back was told I needed to have access from the phone on file I didnt have it at the time so I had to wait until I had back since its my work phone. I called back a few days later and was told that they did receive what was needed was put on hold they was transferred to fraud department where I spoke to a man named XXXX he told me I would need an account verification letter from the bank I use to make payments and that I would need to fax that at this point Im beyond frustrated so I wasnt exactly nice with him. I go to the bank ask for the verification letter they tell me they dont have anything like that and i explained the situation they said that its weird that Im being asked for something like that and the best they could do is print up a letter showing that I have an active account with XXXX XXXX I take that and I also go to XXXX XXXX XXXX where I have a second account even though its not the account I use to pay ollo with to see if they have a verification letter I was told the same thing that they have that and was give that type of letter showing I have an active account. I faxed both letter to them waited 3 days to call back go through their process transfer after transfer to be told they only received the letter from XXXX XXXX XXXX I complained told them I sent both to please check again and as told yes we have them both but thats not what they asked for and proceeded to tell me to go ask for an authorization letter. I explained what happened at the bank and asked what will be the next step since the bank doesnt do that they didnt have a answer for that question and transferred me to Antwan he said they only received the XXXX XXXX XXXX letter I told him the lady that transferred found both letters in the system to look again then he says thats not what we need that they need a letter from the XXXX XXXX bank from the manager saying that Im the owner of the account and that there was nothing more that can be told to me because its under fraud investigation. I told him they wont do that letter because I asked for something like that when I went to the bank and what else I can provide he said again I cant give anymore information because its under investigation and that I would need that letter. I said ok so since this is going to take a long time how will I be able to make my next payment since the account is locked and according to you Im basically not an authorized user on the XXXX XXXX XXXX that I use to make the payment he say again I cant give any more information because its under investigation and that I need to provide the paper they are requesting. Then I was told that my voice doesnt sound like the voice of the person that called in when this problem originally started and that I would need the bank letter I asked if a notarized letter would work since I have to provide ID to a notary I was told no that it needs to be a letter from my bank. It has been over a week since I returned to XXXX without having any resolution to a problem Ollo created and I believe the man XXXX is giving me a hard time because he didnt like my attitude on the phone. I dont know what else to do to resolve this when I ask to speak to someone higher they say I will get a call back but never do. Im hoping that there is something you can do. Thank you
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| 08/12/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
Servicemember |
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I am not going to deny that Ally Financial helped me in the past when I found myself in a financial crisis. After losing my job on XX/XX/XXXX, I managed to pay the installments of both vehicles up until XX/XX/XXXX. During the pandemic, Ally was supposed to give me 90 days extension on both of my vehicles. My XXXX XXXX was covered but they failed to do it on my wife 's XXXX.
Collectors from said financial institution called me unstop and no matter what I told them they kept stressing me out daily. None of the collectors did their job properly because threats about taking my vehicles were constantly made and I had to repeat myself over and over because they did not put notes in the system about my prior communications and every day, different person kept calling me.
In XX/XX/XXXX, I got into a very heated argument with a collection representative who would not understand that I did not have the money and I even told him that I could give him a check but it was not going to do the business any good since I did not have the funds in my checking account. The conversation got so intense that when he mention that he was coming to get the XXXX because it was so far past due, I lost my head and told him that if he was to put one foot in property, I was going to kick his behind. I proceeded to call Ally to complaint about the collector 's attitude, I was told by a supervisor that she will take action and promised me that it will never happen again. The very next day in the morning, he called me again I hang up on him. 2 or 3 days later, the XXXX got repossessed and I received a call from a XXXX area call number and when I answered the person on the other side just giggling, and I am almost positive that it was him that called.
I have spoken with, who I thought was a professional person, all I know that her name was XXXX, who also question why the extension was not applied to the XXXX. After I mentioned to her that I did the math for both vehicles and I was just amazed that that the interest rate in both vehicles were so high and the term of the loans were so long and that so far I payed between {$30000.00} and {$40000.00} for both cars, she sent me a letter practically putting all the blame on XXXX XXXX, since I signed the contract with them and they had nothing to do with it. After that letter, my accounts were taken out of the system so I could not make a payment on line, they erased most of the important email communications, thank God a got copies, I could not use the internal mail to present to them my concern, presenting some system error, I recorded that on my phone. Called XXXX and left a message asking her to provide me a copy of the lawyers letter, since my briefcase was stolen, they never responded and I was not aware that I was supposed to be in court on XX/XX/XXXX because I was being suit by Ally, papers were never served, and my understanding was they were supposed to do the whole process again and here I was waiting to be served and this is the last drop in the glass, they repossessed both of my vehicles putting in jeopardy my wife 's and my job.
I HAVE DONE EVERY SINGLE THING POSSIBLE TO NEGOTIATE THE CONTRACT WITH THIS FINANCIAL INSTITUTION AND THEY DECIDED NOT TO ANSWER TO ANY OF MY REQUEST. It was not that I did not want to pay, I wanted to re-negotiate the contracts because I was not about to pay close to {$80000.00} for both vehicles and they would not do it.
After reading your report of the examination done by CFBP and the Department of Justice ( DJ ) filed on XX/XX/XXXX, now I understand how Ally works manipulating the system and violating Section 701 ( a ) of the ECOA in coordination with the dealerships and targeting XXXX American, XXXX and XXXX consumers, who have to pay higher interest rate in a longer term contracts.
Furthermore, I was researching the internet and Ally is also had law suit in Missouri where they have to pay a large amount for illegal repossession of vehicle and collection procedures.
With that been said, I am reaching out to you for your assistance and asking to please look into my case, hoping there will not be other consumers affected as I am right now.
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| 02/03/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem making or receiving payments
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Web |
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XX/XX/2021 Dear CFPB, I would like to bring to your attention that Ally Bank misleads consumers in its advertisements of Person-to-Person payment services that the bank provides.
I order to steer consumers from competitors Ally Bank promises certain services to consumers that open a checking account at the institution. In particular, Ally Bank advertisers on its website person to person payment service under a name XXXX. According to Ally Banks website customers of Ally Bank can transfer funds to other consumers using XXXX service subject to a daily limit of {$5000.00} for a standard 3 business day funds deliver, a daily limit of {$500.00} for instant funds delivery, and {$10000.00} 30-day limit.
It appears however that Ally Banks service is not working according to the advertised terms and conditions and is not performing according to Ally Banks published documentation that describe how the XXXX service is expected to work.
While one can make an assumption that Ally Banks person-to-person known under the name XXXX payment service may occasionally not function as advertised due to temporary technical issues or honest implementation mistakes of the service provider, it appears that Ally Bank refuses to investigate the problems that its customers experience while attempting to use the service even when customers report detailed descriptions of incidents. It appears that when the XXXX service is not working as documented Ally Banks representatives refuse to acknowledge the issue, refuse to perform a simple quality control calculation of payment limits, or provide information that contradicts the publish documentation.
I am enclosing an email correspondence thread with Ally representatives in which during the last two months I reported multiple issues related to Ally Banks XXXX service.
I initiated the discussion by informing Ally Bank that XXXX payments that were previously scheduled and subsequently were canceled affect how much funds can a customer can transfer in the future. Ally Bank never investigated the problem and responded with an obscure statement that Canceled and upcoming payments only count towards the monthly limit if theyre posted or already pending to the account. To my inquiry as of what part of Ally Banks documentation describes this restriction I received a response that that Allys standard P2P limits are subject to change without notice. To my question weather Allys had changed any limits for standard 3-business day P2P payments recently I have not received any information whether the mentioned limits had changed. As of today I have not received any information about documentation that describes ow canceled previously scheduled payments affect the ability of consumers to use Person=to-Person payments services at Ally Bank XXXX
Later I noticed that limits for standard 3-business day P2P payments advertised by Ally Bank that are published on Ally Banks website are not being applied correctly. For example, as can be seen on the enclosed screenshot, the payment limit for me scheduling a payment to be sent on XX/XX/2021 weeks in advance was {$3300.00}. My requests to Ally to provide me current information about standard 3-business days limits for P2P limits, the total amount of XXXX payments scheduled for XX/XX/2021, and the total amount of XXXX payments scheduled for the XXXX period that includes XX/XX/2021 remained unanswered.
My second request to Ally to provide exact calculations how the bank calculated the {$3300.00} limit also resulted in responses that have not answered my question.
Today Ally Banks Person-to-Person payment service does not work the way it is described on Ally Banks website and in Ally Banks documentation. Failure of Ally representatives to properly document consumers reports of the service not functioning properly and their failure to fix discrepancies between how XXXX service is advertised to work and how it actually works either by fixing the service or by changing the publicly presented documentation of the service indicates that Ally is either willfully or negligently participates in practices that mislead consumers.
Thank you
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| 11/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Older American, Servicemember |
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On XX/XX/XXXX, I notified the three ( 3 ) credit reporting agencies ( XXXX, XXXX & XXXX ) of a dispute with my credit report involving Ally Financial. On or about XX/XX/XXXX, Ally Financial ( Ally ) reported to the three ( 3 ) credit reporting agencies that my credit file was Major Delinquent and/or Delinquent Account, with a payment status of being Repossession. I disputed the information based upon the following information : On XX/XX/XXXX, I received a letter ( Attachment # 1 ) from Ally entitled Notice of Our Plan to Sell Property The letter stated my vehicle a XXXX XXXX XXXX, would be sold at private sale sometime after XX/XX/XXXX. However, Ally failed to reveal that the vehicle had been voluntarily surrendered in XXXX, Texas on XX/XX/XXXX, by the other co-buyer, who was avoiding a civil judgement allowing me to take possession of the vehicle. Ally further failed to contact me to avoid by credit status to be listed as described above by the three ( 3 ) reporting agencies. Ally was fully aware of my contact information to include mailing address, email and telephone ( home and mobile ). Prior to the receipt of Ally letter, I personally, forwarded to Ally a letter on XX/XX/XXXX ( Attachment # 2 ), advising that the co-buyer had falsely misrepresented certain facts at the time of the transaction to myself and the dealership. I advised Ally that due to the misrepresentations, I filed a civil lawsuit ( Attachment # 3 ) on XX/XX/XXXX, in an effort to obtain possession of the vehicle. The case was finally heard at trial and a Judgement ( Attachment # 4 ) in the matter was rendered to me. On XX/XX/XXXX, I forwarded to Ally via XXXX ( Attachment # 5 ) the amount stated due in Attachment # 1. I further provided to Ally on XX/XX/XXXX, a second letter ( Attachment # 6 ), which included a certified copy of the court judgment ( Attachment # 4 ). On XX/XX/XXXX, Ally released the vehicle to me in XXXX, Texas. It should be noted that the co-buyer failed to notify me or the court of their whereabouts. Attachment # 2 further stated that I was unable to enforce the judgement ( Attachment # 4 ) until thirty ( 30 ) days after the judgment as required by Texas law.
Therefore, I dispute the information reflected in my credit report to the three ( 3 ) credit reporting agencies provided by Ally as being Major Delinquent, Delinquent or Repossession, on the basis that the vehicle in question was surrendered by the co-buyer to avoid enforcement of a court judgment. Ally further failed to properly notify me in a timely manner of the vehicle being surrender, since I was also a co-buyer and primary creditor. I was aware of the vehicle location by services provided by " XXXX '' and as indicated above I was unable to obtain a writ of execution to take possession of the vehicle until after XX/XX/XXXX. I also requested that a copy of Attachment # 4 should be made available on my credit report to be viewed by my creditors and/or any future creditors.
The dealership at the time of the purchase also advise that the co-buyer would be able to refinance the vehicle with Ally within 12 months. The co-buyer was unable to refinance in their name with Ally, since Ally does not refinance vehicles. Because of the co-buyers misrepresentation at the time of purchase they have not been able to refinance and thus became delinquent without notifying myself or the court of their status.
Ally was fully aware of my location and whereabouts and should have contacted me to take possession of the vehicle and allow me to assume payment. Because of Ally 's failure my credit score and credit report by the three ( 3 ) reporting agencies have been gravely affected.
Copies of all of the attachments was provided to Ally and each of the three ( 3 ) reporting agencies.
Attachments : Attachment # 1 - Copy Ally letter dated XX/XX/XXXX Attachment # 2 - Copy of my letter to Ally dated XX/XX/XXXX Attachment # 3 - Copy of civil lawsuit court case summary Attachment # 4 - Certified copy Court Judgment filed XX/XX/XXXX Attachment # 5 - Copy of XXXX transaction # XXXX Attachment # 6 - Copy of my 2nd letter to Ally dated XX/XX/XXXX XXXX
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| 07/24/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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On XX/XX/2020, my vehicle was repossessed by XXXX XXXX, for Ally Financial. The repossession agent with XXXX XXXX unlawfully repossessed my vehicle by breaching the peach when they damaged my vehicle and towed my vehicle from my private property that was secured. When I learned of the repossession that morning after seeing that they entered my secured property, I reached out to Ally Financial to learn why. The company had never sent me any notice for potential repossession, and I wasn't that far behind on payments. The agents in the auto department refused to speak with me about the matter and directed me to their repossession department. Every time I called the repossession department, I was either on hold for several hours or they would disconnect the call on their end. After about 7 days of constant calling back in forth to recover my car, I finally spoke to someone. The agent refused to give me their names, but stated that in order to get my car, I would need to wire transfer the past balance. They would not accept online or certified funds. The agent gave me the account number to make the payment and I wired transferred the money as soon as they gave me the information. I called the following day to get the information for my car location, and the agents alleged that they never received the payment and that they could not release the location or phone number of the vehicle. I went back to the XXXX XXXX and resent another payment. The repossession department had kept me on hold for about 2.5 hours before they gave me the location of my vehicle.
Upon arriving to the location of the car storage area that my vehicle was stored, I spoke with their office about my car and gave all the required identification and information given by the repossession department with Ally. They were very hostile during the process. They attempted to withhold my vehicle because I expressed I didn't feel comfortable signing their required forms for redemption prior to inspecting my car. The agent eventually allowed me to inspect my vehicle before asking for my signature.
When the agents working in the lot finally brought my car to the entrance, I noticed that my car had been damaged and many of my personal property items were bagged and placed in my trunk. Additionally, my original car key fob did not work on my vehicle anymore. The car fob that the worker gave to me was old, damaged and not my original. Additionally, my car horn had been disabled, and the dashboard had said that my anti-theft system was disabled. The agent then attempted to reprogram new keys. I went back into the office and told them I was not signing the documents asking me to release the company from liability for property damage because they had.
Later, I called Ally to tell them that my car had been damaged and they told me that it was nothing they could do about it. Eventually they gave me an email to escalate the situation. On XX/XX/2020, a representative from the XXXX XXXX department with Ally reached out and forwarded my complaint to XXXX. XXXX told me to take my car to a dealership and pay for the inspection and if that was the issue, they would reimburse me. However, I didnt not have the money to pay for a inspection and get reimburse later. The issue was never resolved. Additionally, I had a XXXX XXXX, XXXX and XXXX XXXX my car the night it was repossessed, and they were not in the bags that was in my trunk when I went through it. The company never responded to my inquiry about retrieving those items. Since then, Ally placed a fee on my account, that has caused me to accumulate many late fees. When I inquired about the late charges between XXXX, an agent finally communicated that I was getting late fees because I had not pay the repossession fee. So all payments I made for my car payment, did not go to my car payment, but to the Miscellaneous charges. This has caused me to have a very negative credit history, despite making timely payments most months. Eventually, the late charges accumulation made it difficult to keep up with payments, and I have a very negative credit history because of these actions.
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| 05/02/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
Servicemember |
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XXXX XXXX VETERAN and currently a XXXX XXXX XXXX XXXX patient that currently takes XXXX XXXX everyday with already taken traditional XXXX treatments I was Scammed by this dealership on XX/XX/XXXX fake forgery contract forced and threaten to take possession of a car that had issues 10 mins later which is for a XXXX XXXX they have pushed a contract through and got paid and towed the car to my property twice no keys no insurance no contract they lied to the bank I need help ASAP. I am banned from their property because we exchanged words because I did not want to do business with them and they still did forgery and the finance manager signed my name without my consent on documents. Please help me..I never took possession of the car they snuck it in to my residence to get paid from the finance company. I did not have the car 12 hours..I was given a citation for disorderly conduct for throwing a fake contract and forgery contract at a sales manager XXXX XXXX that was being disrespectful with threats trying to force me to take a car..Threaten to put me in jail tried to put me in jail as I stated got me a citation for nothing. HE is a CROOK he is RUDE he cussed the sales person our in front me. Also the man name XXXX is HORRIBLE and TERRIBLE he is RUDE he hung up the phone in my face he said he dont car about no lawyers, no media, no CORPORTE complaints no nothings I have videos is them almost breaking my gate to sneak the car in I caught them Friday morning XX/XX/XXXX and tanned them out with that car and called the police to file a report and the man name XXXX told me thats my car and I am towing it to you residence regardless he said he dont car. He said they been paid and thats all that matters because a payment when come up and they know I am not paying it and they will repossessed the car and get double their money. He told my spouse that if he calls up here complaining he was going to guile charges against him did HARASSMENT. XXXX which is the GSM and other sales people needs to be FIRED and thrower in JAIL at XXXX XXXX the GM was the one that called the police on me because I threw a a fake contract at his body because he was cussing abs laughing and being rude and disrespectful on XX/XX/XXXX also XX/XX/XXXX they sit behind that window and ignore you abs send the sales person out there because they dont want to talk after they think they have SCAMMED you out your money to purchase a car. The GM told the police I threaten to XXXX him when that was a LIE the police found out he LIED and then he decided when that did not work to say he wanted to press charges against me for throwing paperwork out his RUDE and DISRESPECTFUL SELF and once again they gave me a disorderly conduct citation and criminal trespassing warning not to come back on the Property because of the CORRUPT GM. I have contacted the MEDIA Friday XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX and a host of different resources that can deal with this matter LEGALLY along with being it to the MEDIA so everyone in the state of GA and the USA can see the CORRUPTION and SCAM that this dealership does customers they forge your name add stuff take our stuff dont let you see it they send a person in to distract you on the paperwork add fees they LIE they CHEAT and as you can see they be DECEITFUL I am a customer thats fighting to stay alive every day due to my XXXX XXXX/XXXX every day and this is how I was treated. PEOPLE I am begging you PLEASE look at my STORY and STAY AWAY from XXXX XXXX because you will REGRET it as I DO NOW I have to not only FIGHT XXXX I have to FIGHT for JUSTICE with this DEALERSHIP that needs to be SHUT DOWN FOREVER PLEASE STAY AWAY this just happened in me a few days ago. I plead with anyone BEWARE the GSM XXXX XXXX the sales manager XXXX XXXX other sales associates and the FINANCING MANAGER are CROOKS and SCAM ARTISTS.. It has cost me XXXX of dollars I have lost a job offer, I have lost Attorneys fees, put on credit report so I could not close on my house, and also I have to have XXXX XXXX due to having recently stage XXXX XXXX XXXX.. I cant eat sleep or nothing from this.. My life is over HELP ME
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| 03/03/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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I have paid these individuals ( Ally Financial ) XXXX for my XXXX XXXX XXXX ... I worked out a defferment back on XX/XX/XXXX that was supposed to defer any and all interest & late fees until XX/XX/XXXX SO THAT I COULD THEN PAY OFF MY VEHICLE FOR ANYWHERE BETWEEN {$1400.00} - {$1800.00} ... .Now its the XXXX of XXXX and they are saying now that I have {$760.00} something in LATE FEES AND THAT IM BEHIND ON MY PAYMENTS?!?!?! TRY CALLING TO SPEAK TO A MANAGER AND GET HUNG UP ON 4X?!?!??! What kind of Multi Billion Dollar company treats people this way??!!??!! This is not the first time this has happened ... their customer service is HORRIBLE, NOT TO MENTION YOU CAN NOT UNDERSTAND THEM BECAUSE " XXXX, XXXX OR XXXX " IM SURE,,, THEY HAVE SUPER BROKEN ENGLISH AND THEY ARE TRAINED LIKE ROBOTS TO JUST KEEP STATING THE SAME THING OVER AND OVER AND OVER ~ THEY DO " NOT '' LISTEN TO YOUR ISSUES NOR TRYING TO SOLVE THE PROBLEM AND WHEN YOU ASK FOR THEIR MANAGER THEY HANG UP ON YOU?!?!?!??!?! AFTER BEING ON HOLD FOR UP TO 40 MIN AT A TIME!!!! MINE & MY FIANCES TIME IS EXTREMELY VALUABLE AND WE ARE MISSING TIME AT WORK TO BE ON HOLD. SO WE CALL ON SATURDAY AND THE RECORDING SAYS " OUR HOLD TIME IS EXTREMELY LONG AT THIS TIME, YOU MAY WAN NA CALK BACK OR GO ONLINE?!?!??! '' WHAT THE HECK IS THAT?!?! WE JUST MOVED WE ARE TRYING TO DO THE RIGHT THING AND THESE INDIVIDUALS XXXX IT UP!!!!! EVERY SINGLE TIME, THEY DO NOT NOTATE ANYTHING SO YOU HAVE TO REPEAT YOURSELF OVER AND OVER EVEN WHEN YOU ASK THEM TO DOCUMENT THE CALL ... I JUST WANT TO BE DONE WITH THIS COMPANY AND GET MY TITLE TO MY CAR THAT HAS NOW ALMOST BEEN PAID FOR TWICE!!!!!! I WOULD NOT SEND MY WORST ENEMY TO ALLY FINANCIAL OR ANY OF ITS AFFILIATES IM SO DISCUSSED AT THE AMOUNT OF MONEY I HAVE SPENT ON THEIR MADE UP " LATE FEES AND FINANCE CHARGES!! '' ITS TRULY WHY THEY ARE A BILLION DOLLAR COMPANY ... THEY ARE THIEVES THAT ARE TAKING ADVANTAGE OF HARD WORKING AMERICANS THAT BUST THEIR HUMPS TO PAY FOR THESE OBSURRED CHARGES. I OWED {$1800.00} IN XXXX I DEFFERED UNTIL XXXX ( SO I WAS TOLD ) AND NOW I " OWE '' {$3900.00} & I WAS ONLINE ~ I WENT TO PAYOFF ACCOUNT AND IT TELLS ME {$4200.00}?!?!?!?!? I GIVE UP. THIS IS NOT RIGHT MY STICKER PRICE WAS {$11000.00} ... I HAVE PAID {$17000.00}!!! HOW IS THIS JUSTIFIED?? PLUS I HAD A CO-SIGNER ON THIS LOAN!!!!!! Ultimately, it's demoralizing when TRAINED customer services and collections specialists don't NOTATE phone conversations, nor save their recorded lines ( which by law they must ) which would validate my claims and proove that they are COMPLACENT and neglect in facilitating there jobs. Furthermore, time is MONEY, and when you must take one and a half hours minimally to call XXXX XXXX, DURING THERE BUSINESSES HOURE AND GET NOTHING ACCOMPLISHED, any individuals would be upset. When calling in knowing the company seems to be running racket and perpetuate the problem with no recourse. Most importantly, any TRAINED specialists should not be bias to an upset consumer by placing on long holds, eventuality hanging up THE line and intentionally not documenting the conversation because they didn't like a disgruntled tone. A class action suit should be placed against such banks as ALLY whom participate daily in infair tactics and UNETHICAL and UNAUTHORIZED CHARGES taking ADVANTAGE of ones poor credit score and purposely not solving the problem so they can charge extra fees and finance CHARGES as well as hidden FEES. A 5 year loan has Turned into over 6 years. Countless hours on phone and even job loss for taking extended breaks trying to resolve my billing issues. Please take this not at as a desperate plea for alterior motives. Its principal, morals, ehtics and the law that is being encroached upon and broken by ALLY Bank. I would like to be compensated in a manner indicative of said claims ; time, money job loss emotial distress from these foreign customer service reps. Hired intentionally by these banks. Internet on line, thousands of people have made similar complaints about ALLY BANK / XXXX XXXX
Thanks for the opportunity
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| 12/13/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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Hello, My disputes are regarding the charges on the daily extension charges of 16 days and the excess wear charges for all tires totaling {$1700.00} I have had many leases with multiple leasing companies and I always had somebody inspect the cars also receiving a lease vehicle return kit. With Ally I didn't receive either one. I have pictures of the vehicles tires, wheels and body of the car at time of the car being returned to the dealer to show proof that the tires tread where not worn out.
When I was speaking to a representative named XXXX on XXXX around XXXX XXXX. I spoke with him about 10-15 minutes regarding these charges and while I was speaking with him he was being quite aggressive with me and kept repeating " the terms of the contract states .... '' In a calm manor I was explaining to him when I was trying to return the vehicle to different dealerships in XXXX XXXX non of the dealers accepted lease returns from ally. Each dealer required an appointment to return the vehicle and when arriving to the dealer they wouldn't return vehicles from Ally because they do not accept leases from Ally Financial. Through this process I work 6 days a week 10 hours days and I only have a small window between when the dealer has an opening to accept the car and the days I had off.
Attempted to return to car to 3 different dealers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Before receiving this bill and having this lease return issue I called Ally Customer service on XX/XX/XXXX the representative on the phone was very helpful after I explained everything and she said she will call me back the following day to find a dealer that will return the vehicle. She did not mention to me that I might have to file for an extension because of late days and she did not mention to me about a lease return kit to inspect the vehicle. Also she stated if there was no dealers available to accept the returns she would request a courtesy pick from my house. She called me the next day and gave me XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. We had to make an appointment with them which was 3 days later was what they had open for me to return the vehicle. Between the run around all three dealers they gave me it was close to 3 weeks. Finally getting the vehicle returned I now get hit with a {$2200.00} bill and I'm stuck speaking to extremely rude Ally representatives that will not let you finish a sentence. Because Ally bank does not do business with the dodge dealers in XXXX XXXX they want me to pay for a vehicle that was sitting in a garage. They keep referring back to " the contract '' The contract doesn't state if there is an issue with returning the vehicle in a specific city or states. The representatives also mentioned that I should of returned the vehicle to the dealer I purchased the lease from which was in Michigan close to 2000 miles away. I also had 3 other leases from Michigan from other banks and never had a issue returning a vehicle. After playing phone tag for 2 weeks to speak with a supervisor because I work 6 days a week. On XX/XX/XXXX finally was able to speak to a supervisor named XXXX XXXX who was also very rude and aggressive. The first thing she states was that I took her out of a " meeting '' and what do I need. I forgot at the moment that I was inconveniencing her from her job and what she gets paid to do. LOL. Anyways she kept interrupting me when I was trying to explain the issue and she kept stating back to the " contract ''. Her excuse was also that if she helps me she has to do it for everyone else but everyone else doesn't run into the issue with dealers not accepting cars from Ally in XXXX XXXX. She was also very defensive like I was taking food out of her babies mouth. I attempted to resolve this issue with them many times but they would rather argue then to resolve an issue. I do see why do dealer in XXXX XXXX wants to do business with Ally Financial.
Regards, XXXX XXXX
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| 06/08/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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To whom it may concern, The DC Code clearly exempts from tax both car sales and leases that occurred by nonresidents prior to establishing residency in the district, most likely in an attempt to avoid double taxation ( as we already paid tax in full elsewhere. ) Thus far you have only referenced the codes below, but clearly have not actually read the text of the code. See below : 1. Regarding the excise tax : My vehicle is currently registered in DC and the MVA did not charge any excise tax upon registration and none was due per their website : " Excise tax ( if there is no change in vehicle ownership ( i.e., you are transferring a vehicle into DC from another jurisdiction ), then no excise tax is due ) '' Link : https : //dmv.dc.gov/page/vehicle-registration-and-title-fee-estimator 2. The two use taxes Ally has wrongly applied are : 472202. Imposition of tax.
o There is hereby imposed and there shall be paid by every vendor engaging in business in the District and by every purchaser a tax on the use, storage, or consumption of any tangible personal property and service sold or purchased at retail sale. The rate of tax imposed by this section shall be 6.00 % of the sales price of such tangible personal property and services, except that : ( 3B ) The rate of tax shall be 9.25 % of the gross receipts from the sale of or charges for rental or leasing of rental vehicles and utility trailers as defined in 50-1505.01 472202.01. Tax on gross receipts for transient lodgings or accommodations ; food or drink for immediate consumption ; spirits sold for consumption on premises ; rental vehicles.
o A tax, separate from, and in addition to, the taxes imposed pursuant to 47-2202 is imposed on the use, storage, or consumption of certain tangible personal property and services sold or purchased at retail sale in the District. Vendors engaging in the business activities listed in paragraphs ( 1 ) and ( 2 ) of this section and purchasers of the vendors tangible personal property and services shall pay the tax at the following rate : ( 2 ) 1 % of the gross receipts from the sale or charges made for : ( C ) Rental or leasing of rental vehicles and utility trailers as defined in 50-1505.01 ( 8 ) and ( 9 ).
3. A car lease and all subsequent payments is defined as the sale by the DC Code : 472001. ( q ) Sale and selling mean any transaction whereby title or possession, or both, of tangible personal property is or is to be transferred by any means whatsoever, including rental, lease, license, or right to reproduce or use, for a consideration, by a vendor to a purchaser, or any transaction whereby services subject to tax under this chapter are rendered for consideration or are sold to any purchaser by any vendor, and shall include, but not be limited to, any sale at retail as defined in this chapter. Such consideration may be either in the form of a price in money, rights, or property, or by exchange or barter, and may be payable immediately, in the future, or by installments.
o Definition in 472001. applies per 472201. ( j ) 4. DC Code clearly exempts retail sales where the property was acquired by a nonresident prior to establishing residency in the district : 472201. ( a ) ( 2 ) The terms retail sale, sale at retail, and sold at retail shall not include the following : o ( C ) Sales of tangible personal property which property was purchased or acquired by a nonresident prior to coming into the District and establishing or maintaining a temporary or permanent residence in the District. As used in this subsection, the word residence means a place in which to reside and does not mean domicile ; My lease was initiated and acquisition occurred prior to moving to and establishing residency in the District of Columbia, therefore, I am not subject to these two taxes. This makes sense as if I had purchased the vehicle instead of leasing we would not owe any excise tax as well.
Please PROPERLY REVIEW AND REMOVE the fraudulently applied taxes immediately.
Thank you for your prompt assistance in this matter.
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| 03/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Concerns of False Inquiries Reported on XXXX, XXXX, And XXXX Credit reports/ Credit File I noticed inquiries on my credit report that I have no knowledge of. I have NOT given anyone permission or consent to view, access or use my credit report for any reason, I am giving you as much information as I can to help you with this deletion demand so please feel free to utilize this information.
According to Section 604 FCRA, I would greatly appreciate if you would kindly provide me for what they call a permissible purpose or proof that I applied or initiated these inquiries from each company as I am concerned about my security and privacy of my credit, something that I take pride in. I also understand that written authorization for all inquiries listed have to be documented and proven if reported. If you have NO proof or evidence with supporting documents, please have these unauthorized inquiries deleted immediately. If concluded online or internet, please provide the IP Address associated with the authorized inquiry which I seem to have serious doubts it was done.
I have also contacted the creditor in question and they claim they have NO proof either, of each initiated inquiry, no written authorization documented, and each company has failed to provide to me a permissible purpose or proof and now for me, this is a major concern. Because they do not have my proof of authorization, whether written or verbal, I am demanding you to kindly delete these inquiry ( s ) from my credit report of XXXX, XXXX, and XXXX because it is unproven, non-compliant, and unverified as there is absolutely no evidence or proof of my authorization of a permissible purpose.
Section 604 states that a Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) in Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. I have not applied for any credit recently. Please read on : Under 15 U.S.C.? 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete or cant be verified, the consumer reporting agency shall ( i ) promptly delete.
The following companies did not have permission or authorization to request my credit report : Alleged Inquiry : Ally financial, XX/XX/XXXX was never authorized Alleged Inquiry : XXXX XXXX XX/XX/XXXX and XXXX, XXXX was never authorized Alleged Inquiry : XXXX XXXX XXXX XXXX XX/XX/XXXX AND XXXX XXXX was never authorized Alleged Inquiry : XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX was never authorized Alleged Inquiry : XXXX XXXX XX/XX/XXXX was never authorized Alleged Inquiry : XXXX XXXX XX/XX/XXXX was never authorized Alleged Inquiry : XXXX XX/XX/XXXX was never authorized Alleged Inquiry : XXXX XXXX XXXX XX/XX/XXXX was never authorized Alleged Inquiry : XXXX XX/XX/XXXX was never authorized Alleged Inquiry : XXXX XX/XX/XXXX was never authorized Alleged Inquiry : XXXX XXXX XXXX XX/XX/XXXX was never authorized Alleged Inquiry : XXXX XXXX XX/XX/XXXX was never authorized Alleged Inquiry : XXXX XXXX XXXX XX/XX/XXXX XXXX never authorized Alleged Inquiry : XXXX XXXX XX/XX/XXXX was never authorized alleged Inquiry : XXXX XXXX XXXX, XXXX was never authorized Alleged Inquiry : XXXX XXXX XXXX XXXX, XXXX was never authorized alleged Inquiry : Ally Financial : XXXX XXXX, XXXX was never authorized I am concerned because I did not apply for credit with these companies. I demand the deletion of these unauthorized, unproven, non-compliant, and unverified inquiries as required by law if unproven with an actual purpose that was not concluded by me Please help me and mail a new credit report when these unknown inquiries have been deleted.
Thanks for your sincere help
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| 01/27/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Fact, I am one of he federally protected consumers defined in 15 USC 7006.
I, affiant, a natural person has been discriminated against for exercising my federally protected rights pursuant to my Retail Installment Sales Agreement.
I do so believe ALLY FINANCIAL and all assigns are indeed in violation of the Truth in Lending Act ( TILA ), Fair Credit Reporting Act ( FCRA ), Electric Funds Transfer Act ( EFTA ), and the Uniform Commercial Code laws ( UCC ). Upon my dealings with them I issued an Affidavit of rescission, and a cease-and-desist notice, which they refused in writing, to honor in good faith. According to 12 C.F.R 1026.15 rescission is my right, as XXXX willfully did so, fail to disclose and provide all information of said agreement clearly and conspicuously to me pursuant to 12 C.F.R. 1026.24 ( b ), that which includes proposing for me to sign documents that are not completed. An example of an incomplete document being encouraged to sign, to my lack of knowledge and disadvantage due to unclear and or conspicuous disclosure, is the POA form. The title involved also is not complete. This Rescission notice is made pursuant to 12 C.F.R 1026.15 and 15 U.S Code 1635 ( a ), as the right to rescission is made be it the notice by mailing and be it the notice is considered given in regards to my consumer credit transactions. Furthermore, ALLY FINANCIAL failed to clearly and conspicuously disclose my right to rescind, so be it, and ; I, XXXX XXXX participated in a consumer credit transaction pursuant to 15 U.S CODE 1602 ( i ), with a consumer credit agreement pursuant to 16 CFR 433.1 ( i ) for personal, family and household purposes, so be it.
I requested to have communication through mail only to an address given, which is XXXX XXXX XXXX, XXXX XXXX, XXXX Not only did they continue to obsessively call but were sending extortion mail pieces to addresses other than the one I provided, threatening collections of debt and repossession, though with a UCC-11 search you will find I am not liable for any debts. While I am not found liable for any debts, pursuant to 15 U.S. Code 1635 ( b ) When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, down payment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. If the creditor has delivered any property to the obligor, the obligor may retain possession of it.
As the debtor, I made the lawful efforts of asserting/preserving my rights, including any and all claims and defenses pursuant to 16 CFR 433.2 displayed in exhibits provided to ALLY FINANCIAL, invoking rights to recovery of the proceeds of credit of account, on any instrument bearing my property : signature, name : XXXX XXXX XXXX SSN, and any derivative pertaining to any of my marks that I am the holder of, so be it. In accordance to 16 CFR 433.2, I proceeded to invoke my right as the debtor to assert my claim over the interest and proceeds of the account as the paramount holder in due course, I do so believe I have legal possessory rights to my instruments bearing my name under UCC 3-306, I have reason to believe and do so believe there is more credit of account than debit of account.
In summary, ALLY FINANCIAL alongside Texas XXXX XXXX XXXX XXXX is in violation of a dishonored negotiable instrument, bank fraud, creation of the false and deceptive form, mishandling of goods, compromising my relationship with other financial institutions, reporting my personal and private information without my consent the credit reporting agencies and including stress caused to me in the attempt of exercising my rights in good faith.
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| 05/29/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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hi My problem Is with two finance company ally finance and XXXX XXXX XXXX last year on XXXX XX/XX/XXXX and XXXX XX/XX/XXXX I bought two cars one from XXXX located in XXXX CA XXXX XXXXXXXX XXXX limited {$4000.00} DOWN PAYMENT and another one from XXXXXXXX XXXX XXXX in XXXX Ca XXXX XXXX XXXX {$7000.00} DOWN PAYMENT I was using both cars for my business.
earlier that year I got divorce and my ex-wife moved out and my kids staid with me and I was dealing with their day to day stuff my daughter XXXX XXXX XXXX and my son XXXX XXXX XXXX so when I got those cars after one or two months my ex-wife gave me hard time on finance section and because of that I had to down grade my business which it was renting cars I was using turo application to rent out my cars which I had 5 cars listed there so I had passive income while I was taking care of my kids.after down grade I kept these 2 cars I bought and I spoke with both finance company and explained them the situation so at first I was one month behind payment so I was making payment but one month behind starting XX/XX/XXXX every day I was getting phone calls from both companies with all deferent numbers every single day they were keep harassing me and giving me hard time so after while I stop answering them only reason I stopped because everyday they were calling me so how many times I had to explain them my situation also I was making payments it was not like I was not making payments. I have their all voice maills and numbers even one time I asked the customer service regarding those number and they said non of them belongs to them!
these are all the numbers they used Ally XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX so on XX/XX/XXXX I made 3 partial payment to ally finance which the amounts was {$170.00} {$200.00} and {$600.00} and somehow two of them after a week got returned and I did not know about it so because they returned my payment so tactically I got behind more payment and they could repossessed the car also earlier on XX/XX/XXXX i got hit by another car so they car was at body shop and even they call the body shop and harassed them and wanted to take the car from bodyshop so since earlier they wanted to take car while I was paying. I have the statements. so on XX/XX/XXXX XXXX they came to repossessed the XXXX XXXX did not fight or gibe them hard time I even gave them the key so when I woke up at morning I find out my XXXX XXXX got repossessed as while and I was shocked because like a week ago I spoke with them and everything was fine so I was wondering who add a order on the site in order to make the repossess company to take my car because I was 100 % sure it XXXX not from XXXX consumer because I spoke with the costumer Service one week before that so I have a latter from XXXX XXXX XXXXXXXX XXXX they took the car by request of XXXX XXXX and XXXX!
I do have all their letters they send me.
also after repossession they told me they will sell those cars and I might be own them again so now they sold my cars for way cheaper price and both finance company now telling me I own them XXXX XXXX and ally {$7900.00} they both took everything from me I lost my down Payments and those monthly payments I paid plus because of their actions my credit score went down from XXXX to XXXX now so I lost may capital plus bad credit score i can not do anything right now i can not get approval for anything or even buy stuff because they took all my money and my cars and damaged my credit score. I have all letters and phone calls and voicemails recorded to show somehow they force they way to do all those stuff to me.also both of them blocked me from accessing my account online all these files I have they are from before that.
please help me out I'm right in middle of an divorce while I have XXXX kids to take care of and dealing with all these disaster they brought to me.
thank you I will upload some of the documents If you need anything just let me know I will upload them or email them to you.
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| 09/03/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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In XXXX of XXXX my XXXX XXXX XXXX and purchased a XXXX XXXX XXXX with about XXXX miles right before the entire world shut down for XXXX. Had we known that we all would be out of work and Ally Auto XXXX would treat us with such unfair finance fees and late charges after suspending payments for about XXXX days would have not purchased a new vehicle let alone choose Ally Auto XXXX be our auto loan servicer. To say the least Ally has treated us like they are gangster thugs in suits!! And have continued with unfair credit reporting and fees. It feels like extortion. I cant remember exactly but we resumed payments at the end of XXXX, despite my father being hurt on the job at his place of employment and I now being out of work. Though imperfect, we started to make car payments throughout XXXX now into XXXX. We at one point in time paid Ally {$1000.00} on 2 separate occasions in car payments all while still making the regular payments in XXXX. We were told somehow that we were past due and we had to go through a XXXX ( XXXX XXXX XXXX to make payments because we couldnt make payments through the portal because the auto loan was in repossession status. We had to pay a fee to make that payment. We got on track for the most part but fell off track again because while the rest of the world opened back up during XXXX, XXXX XXXX remained on locked down. There was hardly any work unless you were an essential employee. XXXX XXXX didnt open up until XX/XX/XXXX. I vigilantly searched for work throughout XXXX. By this time my father was on XXXX XXXX being unable to work. We still were making some form of payments. In XXXX of XXXX, we got into what Ally called the Catch-Up Plan because they he charge so many late fees and finances charges. Didnt know that this was even a thing. They called, harassed, and threatened repossession almost daily for a long time like some type of thugs. At the time the agreement was to make {$720.00} payments under the catch-up plan. Ally at this time was demolishing our credit and we didnt know. Missed XXXX payment in the catch up plan and you would be kicked out. We didnt know that until we missed XXXX payment. I spoke to someone in a collections department at one time that said we could add the charges to the back of the loan but we hadnt made enough qualifying payments. Today in XXXX of XXXX that option is no longer available. Neither XXXX any other payment assistance at Ally because we dont qualify. We fought to get back into that catch-up plan. Supervisor wouldnt help until we finally got one that would. The amount had risen to {$760.00}. WOW! But. Weve now completed the catch-up plan. The last catch-up plan payment of {$760.00} was made XX/XX/XXXX. We figured we were finally on track and payments would be normal at {$610.00} starting XXXX of XXXX. That DID NOT HAPPEN! Ally is saying we owe as of today, {$1100.00}. Ive called to try and figure this out for the last 3 weeks. Calls were escalated to superiors and supervisors who have never returned my calls. I was told by a representative after completing the catch-up plan, we had to make the regular {$610.00} car payment the same month of XXXX. The regular payment of {$610.00} was due on XX/XX/XXXX. We were and still are appalled that this is even possible. Thats {$1300.00} in ONE the month!! But we didnt know this until theyve given us $ XXXX again in late fees and finance charges and the harassing calls have started again. Thats the {$610.00} plus {$500.00} in fees and counting AGAIN.We were going to refinance the vehicle but they unfairly reported to the credit bureaus excessively so throughout the pandemic from XXXX that we dont even have the scores anymore to get ANY TYPE OF CREDIT APPROVAL. How is it possible being that there was a pandemic and now were in a recession and havent missed a payment since we were in a catch-up plan? Talk about pain and suffering??? We can not afford to give Ally XXXX payments in XXXX month let alone $ XXXX in fees. But we need our transportation.
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| 07/03/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with Transunion XXXX Equifax XXXX and Experian. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
XXXX XXXX XXXX {$0.00}
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| 10/25/2022 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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Web |
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I opened a checking account and a saving account with AllyBank. They asked me for account and routing info for me to make the initial deposit to open the account. Since I had been struggling with unemployment for awhile due to a XXXX, my domestic partner offered to make that initial transfer. There was no notification of any kind saying that the account had to be under my name, and no request in the form for the name of the account. It took multiple days for them to verify that transfer ( about a week ), and they did not deny it. The transfer went through, the account was opened, and I used it for at least 2 weeks ( possibly more, maybe 3-4 weeks, just estimating on the conservative side to be safe since I don't have records of exact dates ).
I tried to access my bank account, and the notification explicitly said ( and I quote directly ), " We've locked your account. You entered an incorrect username or password too many times. Double-check your username or reset your password to continue- it'll only take a few minutes. '' I found this strange since it was a biometric login, but I called anyways on Friday, XX/XX/XXXX. I waited for about 50min for someone to respond, and stayed on the call with multiple holds in between for about 1h30min. They hung up on me, and did not call back. I called again on Saturday, XX/XX/XXXX. I wanted about 1h10min for a response, and was told that I had to wait for a callback on Monday since it needed to be redirected elsewhere. I agreed and waited. I called today, Monday, XX/XX/XXXX. They redirected me to a " specialist '' after a 1h30min wait. I was asked whether the account I had transferred from was under my name. I said no, it is my partner 's name. He was present and could verify that he had consented to this.
I was then informed that this was against their policy, that they were opening up an investigation, and it could take up to 90 days for me to receive a response. I did not raise my voice nor did I get angry at them, I simply asked if there was any other solution since I unfortunately can't afford to not have access to any of my money for that long ( especially since it's the XXXX, and rent payments are due in a little over a week ). They informed me that they would need to investigate to see if they wanted to continue a relationship with me as a client, and that it was out of their hands now. The person was clearly getting exasperated and wanted me off of the call- I didn't push because I understand how much customer service can XXXX as someone who has worked in customer service, but I never raised my voice and never got upset, I was genuinely just saying things along the lines of, " okay! is there a solution to this problem though? ".
I let them hang up and end the call, but I called again. If the purpose of the investigation was to determine whether they wanted to continue a client relationship, perhaps I could just offer the final answer of " no, I don't want to continue this relationship '', and ask them to close the account and send me a cheque. I waited for about 1h15min, spoke to another representative, kindly explained the situation and asked if they could close the account. They said they couldn't because of the open investigation, and I thanked them for trying anyways.
I fully understand that I do tend to skim over the longer terms and services document, but this still felt overly punishing for a simple mistake - most banks have never had issues with me receiving transfers from other people, and if this was important enough that it could hold my money XXXX for up to 3 months and open a serious investigation to determine whether I could still be a client of theirs, I felt it was worth having a clearer warning during the transfer process. My partner is a software engineer, I know it wouldn't be too insanely difficult to add a field for " name under account '' and make sure it matches the name provided. Or even just a simple text disclaimer on that specific page of account setup.
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| 02/25/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I leased a XXXX XXXX from the XXXX in XXXX, California using Ally Financial in XXXX of XXXX. I made all payments on time and returned the car to the dealership at the end of the lease ( XX/XX/XXXX ), in excellent condition and well under the XXXX miles that I was allowed. I spoke to the sales manager and showed him the car and the charger in the trunk. He told me to just leave it there, and remarked that the charger and the car still looked brand new.
I asked when the full inspection would take place, and he told me it would be later that day or the next. I gave him the keys, signed the mileage papers and left.
I called back a couple days later and they said it had been inspected and everything looked great. A few weeks after that, and more than 30 days after I returned the car, they called me to say that the car had not been inspected earlier ( as they had originally told me ) because the inspectors were busy, but that they had in fact just completed the inspection and there were issues.
They said that the charger was missing and that there was " orange peel '' in the paint as a result of a faulty paint job. They said they would charge me for both or report it.
I explained to them that neither issue was possible. I had shown the sales manager the charger in the trunk of the car when I returned it and he casually told me to just leave it there. And the car had not been repainted when I returned it, so any issues with the paint would have been from the original factory paint and present when I received the car brand new three years earlier.
They told me they'd look into it and let me know.
I then began getting calls from the dealership, Ally Financial, and a collection agency. I told them all the same thing - that I had returned the charger and the car had not been repainted. They sent me back " proof '' in the form of distant photos of a black XXXX XXXX that looked similar to mine. The photos were taken from too far away to see if it was my car or another of the same model ( there were hundreds of identical black XXXX on the dealership lot ), and it was certainly too far away to see any issues with the paint. One of the photos included was of an empty trunk - supposedly proof that I didn't return the charger.
I pointed all of this out in one of several phone calls, and added that even if the photos were close enough to show that it was my XXXX and to show paint damage, my car had not been repainted so it would have been original factory paint damage. I also pointed out that 30+ days on a dealership lot without an inspection would leave plenty of time for a 2 pound charger to get misplaced or stolen ( all XXXX XXXX use the same charger ), and that a photo of an empty trunk does not prove that the charger wasn't returned.
At this point I found out from Ally Financial that the dealership reported that I returned the car 2 weeks and 3 days later than I actually did return it, likely because they waited too long ( 30+ days ) to have it inspected and that would have reflected negatively on them.
I asked for more detailed, closeup photos showing that this was in fact my XXXX ( such as a photo of the VIN ), and showing the paint damage. They responded that they could not provide any because the car had already been repainted and sold.
At one point the collection agency told me they would submit the issue to a dispute resolution team. When I asked about that a few weeks later, they told me the issue had been decided against me. I asked for details about the resolution process and to be able to present my side, but they said they had presented both sides and would give no further details. They also told me ( in both nice and not-so-nice terms ) that the photos they had already provided to me were proof enough to destroy my credit if I didn't pay.
Given all of this, I refused pay. They reported the charges to the credit reporting agencies, and I have been getting harassing calls from creditors ever since.
|
| 12/13/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
Today XX/XX/2022 I contacted via phone Federal reserve consumer help and they told me to file a complaint online.
On XX/XX/XXXX I looked at my Ally Bank statement and saw that my account was down {$99000.00}. I then looked at the details and saw that somebody had written a check in my name to XXXX XXXX group XXXX. I did not write this check. I immediately called Ally and told them that somebody created a counterfeit check which looks nothing like my checks and did not have a signature on the check. in addition, the check number is a check number that I have in my office presently. Somebody got their hands on my home address and my account number and created a counterfeit check and stole this money. I could not believe that a bank would accept this check based on what it even looks like. The font is mismatched and as I stated above it does not have a signature on it. The company it was written to is a company I have no relation with at all. This money market savings account is an account that I established around 6 years ago and only have written about XXXX checks on it. I do not use this account because it is for my retirement. It is a savings account. I am really upset that it was processed and now I'm having to go through all of this to get this money back in my account. I get my statements from Ally Bank the XXXX of every month and the counterfeit check was processed on the XXXX therefore I did not see that this happened until I got my next month statement. It indicates that to me that somebody knows allies statement cycle. Ally Bank has opened an investigation and The investigation has been going on for 2 weeks. I have contacted ally Bank about six times in that 2 weeks. They have only reached out to me one time after my initial interaction reporting the crime. They have not kept me updated on anything. I have the images of the check. I have the front and the back of the check. Ally Bank will not tell me if it was a physical check or a mobile check. They are not giving me much information except that it can take up to 90 days to finish the investigation. I have reported the incident to the FTC and also to my local police department and filed a report. I was told to do this by my attorney so I did follow through. I have the police report number of XXXX. That report was done on XX/XX/XXXX. I contacted the FTC I believe on XX/XX/XXXX and made a report with them. I can provide you with the check image front and back. I am upset because Ally Bank not only processed this check but also because now I feel like I'm holding the bag while they do the investigation. It is a clearly fraudulent counterfeit check. I just do not understand why the money is not returned to me immediately and then they can do the investigation. I understand it is a lot of money and they probably want to get their hands on it first before they return it to me but that is not fair to me. I have been a customer of theirs for a long time and I put my money in Ally Bank for it to be protected. They did not protect this money. I am asking you to please investigate this situation so that I can rectify this as quickly as possible. I can not be held responsible for a counterfeit check that I had nothing to do with. We put our money in the bank for it to be protected and meanwhile they loan it out to make money on our money. I need them to protect my money. I understand there has to be an investigation but again I don't understand why I have to be the one out of the money while it gets investigated. I think that if anybody put themselves in my shoes they would feel the same. XXXX is my investigator at Ally Bank. As I stated before I have contacted them around 5 or 6 times in the past 2 weeks just to make sure that the case is being focused on. They have not given me much of any information. I really need your help. Thank you for your time and please reach out to me if I can provide you with anything else that you need. Thank you, XXXX
|
| 02/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
Frauding scams using my documents of serial numbered documents of XXXX XXXX XXXX of XXXX XXXX Indiana of Any ( XXXX ) XXXX XXXX of XX/XX/XXXX Then frauding scams frauding the rest of my documents of XXXX ( XXXX ) XXXX XXXX XXXX XXXX all XXXX county Indiana Frauding scams using XXXX XXXX XXXX documents of XXXX county Indiana Frauding scams frauding XXXX XXXX XXXX mom corners record of XXXX XXXX XXXX XXXX of XXXX Indiana Frauding scams frauding my brother documents of XXXX XXXX of XXXX XXXX if XXXX XXXX XXXX, frauding scams using his original documents XXXX XXXX XXXX, frauding scams using XXXX XXXX ( XXXX XXXX ) XXXX XXXX of XXXX XXXX of XXXX XXXX Indiana of XX/XX/XXXX Fraud scams using XXXX XXXX documents of XXXX county Indiana XXXX XXXX sister married to XXXX XXXX of North Carolina Frauding scams using XXXX Frauding scams using my birth certificate long form of XXXX Or XXXX XXXX XXXX and XXXX XXXX of my serial numbers documents Frauding scams frauding XXXX record 's of XXXX XXXX corners record of XXXX Indiana Indiana Fraud scams frauding my XXXX county Indiana immazation of XXXX XXXX XXXX scams using my grandma documents of XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX Indiana social Security number Frauding scams using my great grandma documents of XXXX XXXX married XXXX XXXX all death record and no one carry out the XXXX name.
Others frauded my family 's corners records of Sassman who had Sir name of Sassenhauser Frauding scams using her parents documents of my three times great grandma frauding scams using XXXX record of XXXX XXXX married to XXXX XXXX all XXXX record 's Frauding scams using my XXXX mom 's documents of XXXX XXXX XXXX XXXX XXXX XXXX of XXXX Indiana corners record.
Frauding scams using using XXXX frauding scams frauding her 3rd husband Fraud scams frauding as building permits and products and lawyers and judges and attorneys Frauding scams frauding my divorce record of XXXX Indiana of XXXX XXXX Fraud scams frauding my XXXX XXXX XXXX documents of XXXX county Indiana as muilti towns Frauding scams frauding my documents XXXX Indiana as XXXX towns frauding XXXX Indiana high School Frauding scams frauding XXXX county Indiana as XXXX Texas Frauding scams using XXXX IDs and business Frauding scams using politican listings Frauding scams frauding using Court building Frauding scams using TV 's show 's media scripts frauding scams using singers and bands Frauding scams using semi trucks companies and CDLs driver 's Frauding scams using sports players and accounts Frauding scams using XXXX off my XXXX documents Frauding scams using Neely IDs off my XXXX documents Frauding scams using sinage Frauding scams using shopping malls and retailers store 's Frauding scams using furiture stores and furniture store products Frauding scams using herds of realistate agents and business and accounts Frauding scams using separate individual insurance business permits using my documents Frauding scams using XXXX products and auto stores Frauding scams using apartment building permits and subdivision sinage Fraud scams using XXXX XXXX and XXXX boat 50 states IDs scams frauding my brother 50 states business permits scams frauding me and my documents and corners records Frauding scams frauding using my documents using XXXX XXXX products and food products and internet Frauding scams using brand advertising and Brand marketing Frauding scams using XXXX XXXX documents Frauding scams using banking business permits Frauding scams using resterant franchises tore into my documents Frauding scams using resterant and diners Frauding scams using faa related Frauding scams using towns and governments Frauding scams using herds of construction business permits scams Fraud scams using schools and colleges and universities and books and book authors Frauding scams using medical workers I have a 65 percent date block on parts of the XXXX XXXX not interested .. and won't pick there families to marry into..
|
| 02/27/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
Since XX/XX/XXXX or so I hold a checking a savings a money market about XXXX CDs and an investment account with Ally. as well as an Ally credit card. For the past 4 months Ive paid my Ally CC with my Ally checking account almost in full with balances ranging from 3 to 4 thousand dollars. For the past 4 months Ally has held my payment for almost 10 days. In other words it gets debited from my checking the next day but does not get applied to my CC as a payment for almost 10 days. So for the past 4 months Ive had to call Ally on the phone and inform them that I need the hold released. This has been time consuming and frustrating. yesterday XX/XX/XXXX about XXXX I placed another of these calls for my XXXX dollar payment to be released. I was on hold for one rep to do a conference call with the other rep and once the Ally bank rep got on the line with me and the CC rep the process of authentication began again with my security questions which all were answered correctly with the help of my daughter. I am a XXXX XXXX who greatly relies on my daughter and son to remind me of my security questions as well as my doctors appointments my medication schedule and any other detail or information I find difficult to recall. So the Ally bank rep stated she Heard someone in the background giving me the security questions information. to which I said Thats my daughter. The rep said that was not allowed. I explained to her what I just explained to you the reason is my recollection difficulty. The rep then said she would have to email me a security code. I told her I am out of the house and dont have access to my email which is on my computer. I do not email on my phone. She asked for my phone number. I told her I changed my phone number middle of XXXX from XXXX to XXXX XXXX so the number she has on file is no longer mine. I told her I dont need a code since I answered all the security questions correctly. She said I wasnt authenticated. I obviously then became upset since The main reason I was on the phone with these two reps was to release my XXXX dollar payment which Ive had to do for the past 4 months. I told the rep this is frustrating and I will be closing my CC account as well as ending my banking relationship with Ally. The phone call ended. This was about XXXX XX/XX/XXXX. At XXXX the same day when I finally arrived home from a stressed day which I had spent with a dear friend suffering from XXXX I log on to Ally bank online and discover my account is LOCKED. I immediately call the bank and after authenticating my account am told that my account has been referred to a specialist and they will contact me in XXXX to XXXX business days. I tell the rep thats unacceptable and wish to speak with a supervisor. I spoke with XXXX who tells me the specialists go home at XXXX and I have to call back the next day which is today XX/XX/XXXX. I called today about XXXX request the golden specialist and after being on hold for XXXX minutes waiting for this specialist the rep comes back on the line and tells me the specialist has to contact me. I can not initiate the contact to resolve my account being locked. ALL my accounts are locked. There is no way for me to transfer funds between accounts and my CC is being denied every single time. The level of hardship this has caused me is debilitating. Having no money to put gas in my car buy groceries transfer funds from my savings to my checking account to cover the property tax checks I wrote yesterday. I can go on. As a senior citizen I felt I was discriminated against by a rep who has no comprehension or understanding of what it it means to be XXXX with a XXXX XXXX I can understand the security protocol however this was not the issue. If my account was to be compromised or if I had a XXXX to my head does the bank think the person stealing my money would be giving me the answers. This was done purely out of ignorance stupidity arrogance and overall bias.
|
| 07/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
There are inquiries and addresses on my credit report that I did not authorize : 1. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX 4. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX 5. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX 7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, GA XXXX XXXX/XXXX 10. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX 11. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, GA XXXX XXXX/XXXX -The following account is not mine nbsp ; XXXX Account Number : Please remove it from my credit report.
15. The following account is not mine XXXX XXXX XXXX XXXX Account Number : Please remove it from my credit report.
16. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX 17. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX UNIT XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one I would like it removed immediately.
20. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one I would like it removed immediately.
21. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one I would like it removed immediately.
22. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one I would like it removed immediately.
23. The inquiry was not authorized XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one I would like it removed immediately.
24. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one I would like it removed immediately.
25. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry
|
| 07/04/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
Ally Bank will not respond to CFPB requests to investigate.
Ally Bank will pacify CFPB will a letter but will never investigate fraud to my account.
Ally Bank has refused to investigate my fraud charges that they let happen to my account! Now they want me to pay for the fraud charges or they will ruin my credit if i don't pay for the XXXX charges they allowed on my account by XX/XX/2022.
Bottom line DO NOT OPEN any account with Ally Bank unless you want to pay for people to steal money from you. If you like that type of thing Ally Bank is the bank for you! They will let anyone register a new debit card then charge a bunch of fraudulent items to it and make you pay for it as they are doing in my situation.
My hope in contacting CFPB is to make others aware that Ally Bank will not protect your account and will willfully neglect basic security protocols and let an unregistered phone number register new debit cards and create new pin for your account. In 2022 you would think they wouldn't allow this but you would be wrong.
Ally Bank created the problem because they allowed " FRAUDSTERS '' to register a new debit card to my bank account without my knowledge using a phone number not registered to my bank account. I discover the fraud and filed with Ally Bank in hopes they would resolve the negative charges to my Ally Bank account but they have not bothered to look into it. Ally Bank just wants me to pay for Fraud charges without any investigation.
My problems began when Ally Bank mailed out a new debit card without my knowledge or consent. I'm not sure how the new debit card was delivered but based on my experience with Ally Bank they probably left it on the front sidewalk or by the front door allowing someone to easily take off with it. To make matters worse Ally Bank allowed the " FRAUDSTERS '' that took the debit card to register the new debit card and use it with ease. No one at Ally Bank stopped them despite using a phone to register the new debit card that was not registered to my account.
To my surprise they simply stated the fraud charges are yours because the PIN NUMBER used was not used multiple times and it it was used in your area.
1. On XX/XX/2022, some fraudster charged {$400.00} at a bank in celebration Florida.
2. On XX/XX/2022, i became aware of this and was told that a new debit card was sent out by Ally Bank and it was the new card that was used to take $ $ $ from an ATM in Celebration Florida. I asked that both my old debit card that i had in my possession and the new one be turned off immediately. Unfortunately, a week later Ally Bank continued to allow charges to the new debit card go through despite turning it off.
3. I no longer wish to be a customer of Ally Bank due to the way they have handled the whole debit card fiasco. Ally Bank created the problems and allowed a non registered phone to start the new debit card and allowed them to create a new pin number.
4. I wish only to close out my account and move on but I'm not willing to pay for their incompetence and neglect of my debit card. They have told me i need to pay for the fraudster charges or they will ruin my credit by XX/XX/2022.
5. Its wrong that they are strong arming me into paying for a fraudsters charges due to their incompetence.
I want to close out my account and be done with subpar Ally Bank. I need help resolving my concerns and having a proper investigation done to prove once and for all that Ally Bank failed on all levels of basic security to secure my account and stop charges from going through that clearly where not mine.
I hope that someone at CFPB will investigate the scam Ally Bank is running on me and i hope that anyone consider Ally Bank finds another bank to do business with because you might be in my situation and forced to pay for SCAMMERS & FRAUDSTERS charges to your account with zero help and zero protection from Ally Bank. Ally Bank is worthless!
|
| 03/14/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My wife and I have been trying to request Ally for a waiver of escrow. I submitted the original request on XX/XX/XXXX via online messaging per the Ally phone Customer Representative.
I received a message on XX/XX/XXXX that the request was received and forwarded to the Research Department for review and it was stated the process would take approximately 30 days.
I followed up on XX/XX/XXXX for a status request.
On XX/XX/XXXX I received a message that the waiver had been denied.
On XX/XX/XXXX I replied asking for the reason of the denial. I sent a second message that day asking I be provided a copy of the client guidelines in policy outlining why my escrow waiver was denied.
On XX/XX/XXXX I received a message that my request was being researched and to anticipate a response in 7-10 business days.
On XX/XX/XXXX I sent a message requesting a status update.
On XX/XX/XXXX I received a message to call Customer Service at XXXX. I called customer service and I was informed the request was denied and a letter would be sent. I was told he could send the letter electronically and it would take 24 hours.
On XX/XX/XXXX I called customer service as I had not received the electronic letter. I was told Ally does not allow escrow to be waived. I was also informed the customer service representatives are not Ally employees but instead employed by servicer XXXX.
I looked through my loan docs and show in the deed of trust it states waiver to escrow is allowed.
On XX/XX/XXXX I received the escrow denial letter to my online account.
The letter states At the time of closing, escrowing for the payment of taxes and insurance was a condition of your loan as the investor associated with your loan did not permit escrow waivers. It is our policy not to waive this requirement and we are unable to comply with your request.
On XX/XX/XXXX at XXXX EST I called customer service and asked where in the loan docs it states escrow is required and can not be waived. I was told to contact our closing company and request documentation from Ally. I requested the representative to do that as it is not my job to research the existing loan docs. I then asked for a supervisor. The customer service representative stated they spoke with their supervisor and that the Note stated in not so clear terms waivers were not allowed. I explained the deed of trust states waivers are allowed. I was told the deed of trust is a generic document and the Note was what mattered. I did not have my copy in front of me so I said I would call back.
At XXXX I called back. The Note only states waivers in default are not allowed. Nothing about waivers of escrow. The representative stated she did not see anything about waiver escrow and she transferred to XXXX, a supervisor. XXXX stated he was sending a request to his research department but that their ( XXXX ) procedures state as of XXXX Ally does not allow waivers to escrow and that all requests should be denied. I asked specifically for where in the loan docs it states no escrow waivers. He stated he would request that as well.
At XXXX I received a voicemail from XXXX asking to call Customer Service XXXX
At XXXX I called customer service and asked to speak to XXXX. I instead spoke to someone else who said XXXX was busy but he had the notes. He said Ally stands by no waivers but he could not provide where in the loan docs it states no escrow waivers.
For 3 months I have tried to submit the escrow waiver and receive information as to why it is denied.
Allys website contains information on how to submit for an escrow waiver. The closing disclosure and deed of trust state waivers can be made. No document states escrow waivers are not allowed.
Our loan to value ratio is ~65 % based on the appraisal done as part of the refinance with Ally in XXXX ( market values in our area have increased since possibly making the ratio even lower ). We have never been late on a payment.
|
| 01/25/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I have had an auto loan with Ally since XX/XX/XXXX. I have been on auto draft since the inception of the loan. I have never missed a payment. I received a letter in XX/XX/XXXX saying a system upgrade would be taking place from XX/XX/XXXX until XX/XX/XXXX. I called Ally to make sure my auto draft would occur as usual on the sixth of the month. I was told yes as soon as the update completed, all normal drafts would occur. On XX/XX/XXXX I called Ally and inquired about my payment not being drafted on the sixth and was assured all was ok. I was assured it would post shortly. and that there was a ten day grace period for it to post. I asked, " are you sure it will be drafted without any late fees ''. and I was told yes.
Today, XX/XX/XXXX, I received a letter stating I had missed my XX/XX/XXXXpayment and this was an attempt to collect a debt. I called Ally immediately. I spoke with a rep named XXXX in collections. I explained to him my situation and my irritation. After going back and forth with him regardng the entire situation, I asked to speak to his supervisor. I was on hold for over 10 minutes when XXXX returned to say, conveniently, his supervisor was not available. We discussed the entire issue again and I asked him again why would I not want my payment drafted since I have been on auto draft since XX/XX/XXXX, and asked him to pull my payment history. After stating he could not verify my account being on auto draft he attempted to transfer me to Customer Service. I thought this was odd, surely a collections rep would have full access to my account since he was trying to collect a past due payment. I was on hold for more than 36 minutes this time while XXXX attempted to transfer me to Customer Service. This was to no avail as the call was disconnected. I tried to call again and was automatically hung up on. I finally spoke to XXXX in customer service after calling back. She apologized and advised she would apply for late fee to be waived. She said she would send me paper so I could have my payment drafted again. I asked why? Since I was all ready on auto draft and asked her to just to go ahead and draft the payment. She then said I would have to fill out new paperwork and then transferred me to the collections department AGAIN!
This time I spoke with another person named XXXX. I asked to speak with someone else but she said no one was available. She said as the letter stated I would have to apply for auto draft. I told her I never was informed by anyone that I would have to reapply for auto draft. That I had been assured by Ally rep that my payment would be drafted without any late charges. She finally admitted that due to the system update that I had been taken off of auto draft. When I inquired as to why I was not notified of this being a possible result of the system update, her response was, " If you would just listen ''.
I am filing this complaint because I did my due diligence following up with Ally to insure my auto draft would process after their system update. I attempted to make a payment. When I called to inquire as to why I was sent a collections letter, I was given the run around, purposely disconnected, passed from rep to rep and department to department, told my payment history could not be pulled to confirm I had been on auto pay since XX/XX/XXXX. Then they refused to remove the late fee and wanted to charge me a service fee to make my payment via phone as I was unable to pay online because their webpage was down, typical. This is poor business practice. Additionally, I find it hard to believe it is ok to remove customers from auto draft without written notice. If this happened to me, how many more customers were affected ; and thus, how many erroneous late fees were collected unjustly? All this in addition to the possible consequences to my and other 's credit rating. Your assistance with and attention in this matter is greatly appreciated.
|
| 11/07/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
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Cont Case number : XXXX.XX/XX/XXXX, I reviewed my closed accounts with Ally.The reason I had to check my account was because my husband 's work had not had time to update the direct dep. infor in time to issue a paper check.After he could not track down his check which after XXXX was currently direct deposited into our joint checking account, his payroll told him to check his bank account.I checked my " CLOSED '' Ally account to find out that they reopened the account in order to receive his direct dep.! After spending hours on the phone with a supervisor on XXXX from Ally, and she telling me there was absolutely no way that my account could be reopened and after several transactions that were already declined by my account, Ally suddenly decided to accept my husband 's direct dep?! I spent valuable time on my work day ( s ) trying to understand why Ally had closed my joint and personal checking account ( s ) in the first place and now they suddenly reopened the account! What had happened in order for them to do this? After having been on the phone for hours with Ally the previous Monday, I was back on the phone on XXXX evening for their stupidity that is gravely effecting our family 's life. I called and spoke to a gentleman who took me through the rigemroll that I always experience with Ally.Customer service reps who lie and/or tell the customers inaccurate info. After hours, several holds and at the cost of our kids not being able to XXXX, the rep informed me that they had made a mistake.Ally would be sending our check via mail and it would take 7 to 10 business days! I immediately said I wanted to speak to whomever I could in order to transfer this money immediately. I said that I had institutions set up through this account so I could immediately transfer the funds into another bank and that would take 3 bus. days MAX! This was our money and how were we supposed to function? The rep placed me on hold again and told me that he had Ally place a rush on the check delivery and that we would receive the check in 3/4 business days. I agreed that would be fine but that I would check daily due to being lied to time and time again by Ally. The following day I saw that Ally had begun to deduct funds from whatever for my other accounts, I 'm still unclear as to why they made certain deductions but nothing was showing my account status changing.I noticed that I was able to transfer funds and clear up a negative balance that Ally was showing in my personal checking account that had been magically reopened again as well. By that time, I was convinced I had received inaccurate information from the customer rep I had spoken to on XX/XX/XXXX, so I immediately took action, and set up a transfer to have the remainder of our funds showing in our personal checking account sent to an outside institution. Ally set up the transfer and verified it ( document included ). I felt so relieved! My transfer was set up on XX/XX/XXXX and on XX/XX/XXXX, I received a paper check from Ally informing me that they had withdrawn the funds and how they had done everything with no charge to myself ( doc included ). Upon receiving the paper check, I checked my account status with Ally and saw that all accounts were closed.Done! just waiting on the resolution for my daughter 's account that initiated this chain of events. On XX/XX/XXXX, I also received an email confirming the close of my joint checking account ( doc enclosed ). On XX/XX/XXXX, I received a new email from Ally informing me that I had new correspondence. XX/XX/XXXX, I checked my accounts, thinking this had something to do with our ongoing dispute.Ally was charging me for the funds transfer I had set up and is now showing a balance of - {$1000.00} in my supposedly closed joint checking account. No funds have transferred to my outside institution and now, they reopened this account and have charged me an overdraft fee for {$25.00}
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| 05/27/2015 |
Yes |
- Consumer Loan
- Vehicle lease
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- Managing the loan or lease
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Web |
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In XXXX XXXX, I entered into a " Smart Buy '' auto lease agreement with GMAC for a XXXX Cadillac CTS. The car was returned at the end of the lease term and the account was closed with a {$0.00} balance in XXXX XXXX.
I am extremely diligent about keeping records of my credit reporting and have a monthly subscription that tracks my credit and alerts me to any changes as soon as they occur. For many years, this account has been reported as " closed XXXX XXXX, XXXX '' with " {$0.00} balance. '' When my wife and I decided to purchase a new home in the fall, our mortgage lender pulled a tri-merged credit report through XXXX XXXX XXXX on XXXX XXXX, XXXX and this account appeared twice on the report as XXXX separate entries, both listed as being closed in XXXX XXXX with " {$0.00} balance & {$0.00} past due '' ( XXXX. XXXX ).
Prior to my Cadillac " Smart Buy '' account, in XXXX XXXX, my wife and I entered into a joint " Smart Buy '' with GMAC for a XXXX Saturn Ion. The car was returned at the end of the lease term and the account was closed in XXXX XXXX. Due to excessive wear and tear, there was a balance of {$3500.00} on the account. The account went to collections and eventually resulted in a judgment which was paid in full and satisfied in XXXX XXXX.
XX/XX/XXXX, my wife and I both received letters from GMAC for these accounts stating that they had balances of {$10000.00} ( Cadillac ) and {$940.00} ( Saturn ) respectively. On XXXX XXXX, XXXX at XXXX, I called the number listed. Despite the letterhead being XXXX, I was routed to Ally Financial ( whom apparently took over GMAC in XX/XX/XXXX ). I spoke with XXXX and was advised of the following : 1. Ally Financial upgraded and changed to a new system. This process caused a " glitch '' in the system.
2. Because of the " glitch, '' letters/bills were inadvertently sent out to customers who previously had " Smart Buy '' accounts.
3. Please disregard the letters as they are not accurate.
4. The inaccurate balances will not be reported to any credit bureaus nor forwarded to any XXXX party XXXX.
5. Letters of apology would be sent out at an unknown date.
On XXXX XXXX, XXXX, my mortgage lender had to re-pull the credit prior to making an offer on a home ( it had been more than 30 days so a new report was required ). This time on the credit report, the Cadillac account appeared to have a {$10000.00} past due balance out of nowhere and the Saturn account had a balance of {$940.00} ( Fig. XXXX ) Because the Saturn account had gone to collections and eventually ended up as a judgment that we paid off in full in XXXX, XXXX, I knew for a fact these bills were definitely a mistake and a result of some sort of GMAC/Ally error. When we returned the Cadillac, I never once received a bill, a phone call, it never resulted in any kind of collection account, nor was there ever a judgment issued as there was for the Saturn account. If I had a legitimate {$10000.00} balance, would n't GMAC have followed the same procedure to collect the money as they did with the Saturn account? Even more confusing is that the account had a high balance of {$27000.00}. I had the car for a total of 53 months XXXX XXXX XXXX - XXXX XXXX ) at a payment of {$580.00} each month. That is a total of {$30000.00} that I paid ( the overages being late charges and additional interest on the late fees ). How did GMAC even end up at a {$10000.00} balance for a car that only cost {$27000.00} and I had for the full term? How can I owe nearly 38 % of the total price of the car if I fulfilled the life of the lease agreement? All of these points confirmed that this issue was truly a result of a system error on GMAC. Despite recurrent calls to GMAC/Ally where they repeatedly tell me this was a result of a glitch in their system and disputes with the credit bureaus, I have been unsuccessful in resolving the matter and it has prevented my from buying a new home.
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| 10/02/2015 |
Yes |
- Consumer Loan
- Vehicle lease
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- Managing the loan or lease
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Web |
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I am having terrible experience with Ally Financial. They are asking me to pay for damages that I am not liable for or is within acceptable wear and tear and also they have wrongfully reported negative remarks to credit bureaus. Not to mention poor customer experience and near harassing experience.
It all started within couple of months of me signing the lease. I had set up auto payment but within couple of months they sent me past due invoice with few cents outstanding. I called them right away to find out what happened. They said some taxes/fees had gone up after I signed the lease. But they also said instead of changing my monthly payments that was already set, I can simply pay the total outstanding payment when I return the car. Since the amount was small I decided to hold on as suggested.
When I finally returned the car to a different dealer, for several days I did not hear from them. I called Ally to find the status. They said they have not received any update from the dealer. I called dealer but they said they completed paperwork same day. I called them back, that 's when they said they have received it and will get back with final statement within couple of weeks.
In the mean time, I received an alert from my credit monitoring service that a past due payment has been reported by Ally in the amount {$21.00}. I was shocked. At the same time, I received final statement by mail, I was even more shocked to see that they have listed XXXX damages and asked me to pay for them.
I called them again to ask why it was reported as past due when I did not even receive final invoice and additionally it was already agreed that I will pay the small delta when I settle final invoice. I also told them I was aware of only XXXX scratch on the left rear bumper and that too was within the size of circle they said will be acceptable. I also told them the other damages I had never seen and I am sure they must have been caused during idle parking at dealer 's place when there was no action taken. They did not have any explanation and took it for additional research and said they will get back within within a week or so.
I called them again after a week. Call got redirected to asset recovery and agent asked me how do you want to pay the outstanding balance without even asking what I am calling about. I told them I want to find status of dispute first before talking about the payment. Then the agent looked into records and said XXXX of damages has been waived but not the scratches on the rear bumper and on the front bumper. When I asked why, the agent was forcing me to believe the size of scratch was more than size of the circle as seen in the picture. I explained it was certainly not the case as I can also see the same picture. There were XXXX parallel lines of scratches, each less than the size of the circle but when you try to fit the XXXX lines in the same circle then they will go little more than the circle. I said I am aware of that but the contract clearly says size of each scratch has to be less than the circle size so why are they combining XXXX separate lines together. He said thats the final resolution. I asked what are my options to ensure the final resolution is impartial and not be same finance company. He did not provide any response to that. I googled myself to locate how to seek help in such situations where finance company claims to have final judgment and hence submitting this request to investigate and help. I paid every single payment on time, took very good care of the car. The additional payment was only few cents that the company agreed to be settled later and I am ready to pay when the invoice comes but still they reported to credit bureau. My payment history and credit rating has been XXXX If their contract said multiple lines of scratches will be viewed in combination, I would have fixed them too myself.Still I am finding it difficult
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| 04/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I do not like that Ally Financial gave my info to the 3 credit bureaus without my consent.
then XXXX XXXX shared my info on the credit bureaus.
All of the credit bureaus show that I am very responsible by my credit scores Also on my credit score, it states that the account with Ally Financial was closed, in XXXX of XXXX when in actual the repoed vehicle was auctioned off for {$9500.00} and they could have auctioned it off for much more.
Instead they decide to sell it in auction and sell the balance to XXXX XXXX and situations are very suspect.
I Just received a 1099c from Ally Financial stating that my balance owed is {$1700.00} dollars even though it is stated on my credit score on XXXX XXXX that the remaining balance is $ XXXX.
I called and spoke to a rep. name XXXX XXXX and informed her that the balance on the 1099c has the amount of {$1700.00} and asked what amount she seen on the file there. She stated that the amount on file is at {$11000.00}.
I asked her how can my XXXX XXXX beareau amount state {$11000.00} and her file states the same amount, but I received a different amount on the 1099c form?
The rep. of XXXX XXXX states to me that she doesn't know anything concerning a 1099c being sent to me.
I believe I am being given untrue info to lure me into paying the untrue balance on the 1099c form, then only {$1700.00}. would be taken off the said balance on the charge off amount, and once I start making a payment I will be liable of the remaining balance.
I have informed XXXX XXXX that it states on my XXXX XXXX credit score that the account was closed in XXXX of XXXX even tho the vehicle was sold at a auction years earlier. There are 3 credit bureaus and only XXXX XXXX has the charge off listed on it.
My rights were violated by XXXX XXXX. Ally Financial has not reported anything and my credit scores are very high and excellent on all 3 bureaus. I feel since there are two amounts stated that I am being lied to along with the credit bureau being lied to.
Never was I offered to to pay the {$1700.00} and the account balance at XXXX XXXX would be deleted and closed, so I truly know that is leading false info for me the start payments by falsehoods in writing on a misleading 1099c form which the rep. told me she has no knowledge of.
Since lies are being told on two different sources, that the account should be deleted.
XXXX XXXX is also sending the balances only to me and on the XXXX XXXX bureau charge off page, it states that the balance is a joint responsibility. My niece XXXX XXXX allowed the vehicle to be repoed and I gave the needed info to collect the vehicle from her job. There was no tracker on the car, and Ally Financial did not have any knowledge of where my niece lived or worked, so I made it possible for the car to be collected back to Ally Financial.
I have called Ally XXXX XXXX and received no answer. My phone number has been blocked. I called XXXX XXXX of XXXX XXXX after receiving the 1099c to let him know that the balance amount on XXXX XXXX bureau is the same amount of {$11000.00}, but yet on the 1099c it states only {$1700.00} but received no answer.
I feel to many lies are being sent to me in writing. but no phone calls are being answer.
Also why is the 1099c sent from Ally Financial, when it is stated on my XXXX XXXX bureau file that the account was closed in XX/XX/XXXX of XXXX and now I and looking at the amount due and it states XXXX so the amount of going up, supposibile by Ally Financail when my niece stopped paying on XXXX of XXXX and they auctioned off the car soon after. so why was the account closed in XXXX of XXXX and why is the envelope from the 1099c from Ally Financial if it was charged off by XXXX XXXX. Info is on my XXXX XXXX Bureau. but yet my scores are XXXX with XXXX and XXXX with XXXX and it is stating that I am approved of a car loan if wanted. Info from charge off is very suspicious.
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| 08/02/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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Good morning. I do hope that you can help in my case against Ally Financial. The office had previously reported ( wrongly ) that I was fault on payments made to their office. The first call I had made to their office was to the total loss team who advised me that because they had not received the settlement check from the total loss of my vehicle, it may be an issue and I should call customer " service '' to make sure that I do not owe that money to them. I was transferred to a gentleman who provided me solace stating that I would not owe them any money and my account would not default. On XXXX of 2016, I received an e-mail notification that my account had been subject to delinquent payments. I called immediately and spoke with a rep who transferred me to a supervisor, XXXX. Upon speaking with her, I let her know that I was assured this would not affect me, but it had. I was also told that my conversation was not documented by the previous representative before her and told me the most recent documentation on the file was from XXXX. After a 30 minute phone call, I was provided a case ID #. The redaction to my credit totalled XXXX points ( XXXX from both XXXX and XXXX ). A total of XXXX points was returned to me and a new credit report was added to my record which was still incorrect. Yesterday, XXXX XXXX, I received a letter dated XXXX XXXX, which stated that I still owed almost {$800.00}. I asked what these charges were for and they said they were finance charges and unpaid principle between the unpaid balance on the car. Since my XXXX conversation and being told a second time I had a {$0.00} balance, 137 days has passed. My contract states that interest accrues at $ XXXX. This total is {$21.00} - The " unpaid finance charges '' on the bill I received totaled almost {$200.00} - I called yesterday night and after a 45 minute phone call, I was told a few things that made me want to write to you. I was speaking with a rep, XXXX, who I provided my best callback number to before he placed me on hold to ask his supervisor about a letter that I was sent. THE letter. Anyways, he asked to place me on hold 1-2 min. The hold time was 5-6. He came to the line, asked if I received a letter? I digress. He asked again for 1-2 min hold time and again was 5 minutes. He came to the line to advise he was still reviewing the claim and I then said, okay, I do n't mind. 5 minutes later, I pointed it out to him that he had been placing me on hold much longer than he kept telling me he would. I was told that I would be getting a callback from the total loss team who was handling my file. I asked if he could please handle my concern since it was his number on the letter. He said no, so I asked to speak with a supervisor. I 'll keep this bit short as it 's extremely frustrating, but in speaking with the supervisor, I was told they do not give out last names, do not have direct extensions, and do not have direct phone numbers. I asked how XXXX was able to get a hold of her then?? Can I have your internal extension number? 3 times I was denied. I asked to speak with her supervisor and she has told me that I will receive a callback today, XXXX. Every day that passes accrues more interest, but this is acceptable in the faceless bank 's eyes. I also want to mention that I was quoted one amount by the representative I spoke with, and THREE DIFFERENT AMOUNTS from the supervisor I spoke with. She was adamant that there would be no negotiation on the remaining amount, but the amounts she kept giving me were different almost every time. I will see if I get a callback today, but this is the XXXX or so phone call I will have had about the same issue. I want to start a business one day helping people. If you are able to help me in this, I will magnify that a XXXX times back. I did offer a settlement amount to Ally and want to resolve this amicably, but I feel like their slave.
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| 07/01/2016 |
Yes |
- Bank account or service
- Other bank product/service
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- Using a debit or ATM card
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Web |
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XX/XX/XXXX someone backed into me in a crowded parking lot and since my car was unable to drive safely the party at faults insurance company was paying for a rental car. I had a meeting I had to attend before the claim number was able to clear the rental. I made a reservation at the local XXXX for a regular small car like a Camry ( do n't really remember type of car ) which was, I 'm told, unavailable after I had arrived and it promised. I was then offered a vehicle which had just come back in and had not been cleaned or gassed up and would I mind and then I should just bring it back the same way. I told them as long as the insurance company would pay for it that I did not want anything they were not going to pay for. I was assured that the cost of the rental would be the same as the vehicle promised and that meant the insurance company would be fine. I gave them the claim number and let them know the insurance company would not have the rental car formally approved for 24-48 hours and they asked if I had a card to secure it I told them I would give them the card number only if they agree to take {$50.00}. off and return it as soon as claim number cleared. The number cleared within less than 24 hours and I assumed all was well at that time. During this exchange I had made the statement 2 or 3 times that only what the insurance company was paying for while they try to up sell insurance and bigger better vehicles. They received a resounding NO! When my car was done approximately 48 hours later I saw the debit on my card for {$600.00}. I went down to the XXXX office I had rented from and XXXX of the XXXX people that was present at the time it was rented was there. When I told him what had happened he went and got his manager out of the back. After about XXXX hours I asked him well what were the charges for. Expecting to hear that there was some mistake I get back from him it was for insurance that was not required and gas {$80.00}. for gas.I then asked if he could show me a copy of whatever gave them the idea that I requested unnecessary insurance and since I picked up the vehicle with no gas that 's how i was told to return it.After another hour or so I asked if he found it and he was still looking for it. I verified they closed at XXXX that day and I had to go but call me by the end of the day with an update and if I did n't hear from him I would report it to my bank as an unauthorized debit which is what I did on XXXX/XXXX/2016. After a couple of calls asking why it had not been credited back they finally did so on XXXX/XXXX/2016. On XXXX XXXX I noticed it had been deducted again so I called at least half a dozen times looking for answers I emailed them and until yesterday had no idea what was going on. On at least XXXX occasions was told they had mailed it to me and all I had received was a letter thanking me for notifying them of my address change which was done on the XX/XX/XXXX phone call. Yesterday I received a call from XXXX in Texas who tells me they had determined it was a merchandiser dispute and to take it up with them. XXXX nor anyone else I spoke to had any idea what the circumstances were until I told them furthermore just because they consider this a dispute with the merchandiser it still is an obvious unauthorized debit and instead of them playing judge and I 'm their customer in long standing with them and this being the first problem instead of me being told to take it up with the merchant it should be them telling the merchant they need to take it up with me. I 'm at a loss what do I do now? How do I get my money back? Do I have to take them to small claims court? Since my move I have not been able to locate the original copy of the contract either but they have n't been able to since day one and honestly felt it was over and it had been taken care of. after all it had been 3.5 months. ALLY ONLINE BANK AND XXXX XXXX XXXX
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| 04/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I do not like that Ally Financial gave my info to the 3 credit bureaus without my consent.
then XXXX XXXX shared my info on the credit bureaus.
All of the credit bureaus show that I am very responsible by my credit scores Also on my credit score, it states that the account with Ally Financial was closed, in XXXX of XXXX when in actual the repoed vehicle was auctioned off for {$9500.00} and they could have auctioned it off for much more.
Instead they decide to sell it in auction and sell the balance to XXXX XXXX and situations are very suspect.
I Just received a 1099c from Ally Financial stating that my balance owed is {$1700.00} dollars even though it is stated on my credit score on XXXX XXXX that the remaining balance is $ XXXX.
I called and spoke to a rep. name XXXX XXXX and informed her that the balance on the 1099c has the amount of {$1700.00} and asked what amount she seen on the file there. She stated that the amount on file is at {$11000.00}.
I asked her how can my XXXX XXXX beareau amount state {$11000.00} and her file states the same amount, but I received a different amount on the XXXX form?
The XXXX of XXXX XXXX XXXX to me that she doesn't know anything concerning a XXXX being sent to me.
I believe I am being given untrue info to lure me into paying the untrue balance on the XXXX form, then only {$1700.00}. would be taken off the said balance on the charge off amount, and once I start making a payment I will be liable of the remaining balance.
I have informed XXXX XXXX that it states on my credit XXXX XXXX XXXX that the account was closed in XXXX of XXXX even tho the vehicle was sold at a auction years earlier. There are XXXX credit bureaus and only credit Karma has the charge off listed on it.
My rights were violated by XXXX XXXX. Ally Financial has not reported anything and my credit scores are very high and excellent on all 3 bureaus. I feel since there are two amounts stated that I am being lied to along with the credit bureau being lied to.
Never was I offered to to pay the {$1700.00} and the account balance at XXXX XXXX would be deleted and closed, so I truly know that is leading false info for me the start payments by falsehoods in writing on a misleading 1099c form which the rep. told me she has no knowledge of.
Since lies are being told on two different sources, that the account should be deleted.
XXXX XXXX is also sending the balances only to me and on the XXXX XXXX bureau charge off page, it states that the balance is a joint responsibility. My niece XXXX XXXX allowed the vehicle to be repoed and I gave the needed info to collect the vehicle from her job. There was no tracker on the car, and Ally Financial did not have any knowledge of where my niece lived or worked, so I made it possible for the car to be collected back to Ally Financial.
I have called Ally XXXX XXXX and received no answer. My phone number has been blocked. I called XXXX XXXX of XXXX XXXX after receiving the 1099c to let him know that the balance amount on XXXX XXXX bureau is the same amount of {$11000.00}, but yet on the 1099c it states only {$1700.00} but received no answer.
I feel to many lies are being sent to me in writing. but no phone calls are being answer.
Also why is the 1099c sent from Ally Financial, when it is stated on my XXXX XXXX bureau file that the account was closed in XX/XX/XXXX of XXXX and now I and looking at the amount due and it states XXXX so the amount of going up, supposibile by Ally Financail when my niece stopped paying on XXXX of XXXX and they auctioned off the car soon after. so why was the account closed in XXXX of XXXX and why is the envelope from the 1099c from Ally Financial if it was charged off by XXXX XXXX. Info is on my XXXX XXXX Bureau. but yet my scores are XXXX with XXXX and XXXX with XXXX and it is stating that I am approved of a car loan if wanted. Info from charge off is very suspicious.
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| 01/25/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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I filed an original complaint against Ally within the past month. XXXX is the person that investigated the matter. She concluded her investigation and provided a formal response via the CFPB portal system, on the second page of the formal response from Ally on Ally XXXX XXXX, it clearly stated at the bottom of page two of the letter that collection efforts on my account would not start back up until 10 days after the date of the letter which was dated XX/XX/2023. The collections have never stopped. My mother received a call from XXXX in their loss/collections department who left a voice mail on my mother 's voicemail asking to speak with my dead father XXXX XXXX XXXX he was not on my credit application and has been dead for 20 years. My mom forwarded me a screen capture of the transcript of the voicemail and the voicemail itself. I have been in consistent contact with both XXXX and multiple employees in the loss/collections department. I received a pledged assistance payment of {$800.00} from a local non-profit that issued a corporate check in the amount of {$800.00}, this payment was documented and noted and I even have emails from the Ally system stating that my promise to pay date was approaching. I sent a picture of the check to XXXX and a gentleman that I spoke with made notes and told their processing department to be on the lookout for the check number, routing number, account number, name of the bank, and name of the non-profit. I am XXXX and the nonprofit helps people with my unique health condition that I do not wish to disclose. Ally rejected the payment and Ive sent several emails to XXXX and have not heard back.
So now my continued complaint has gone past the extreme breakdown of communication, XXXX when she first spoke with me after I answered the call Monday night went into how she's been trying to reach me and I've not called her back when I have called back and she's been off work or after her working hours and has spoken with others in her department. She said that she had not reviewed my account notes on a recorded call, I asked why, and then she looked and said " oh there is a new case open on your account, this never happens ''. Well, it happened to me and my unique situation.
Also, Ally rejected payment that was being made on my account from a third-party non-profit, resulting in a delay in a payment being applied to my account, therefore, pushing it further into a delinquent status or aging status.
Finally, Ally broke the rules or regulations of collections after stating in a letter from XXXX representing Ally stating there would be a ten-day delay before resuming collection activities on my account. So this has to break federal or state collection regulations. If I were to pursue legal action for violating fair debt collection practices I could at a minimum be awarded {$1000.00} if not more.
Also on the recorded call with XXXX after I asked her how she got my father 's name she said " it's public record '' his death is also public record and she said she was sorry but it has already been done.
I need better communication and some resolution to my situation because I keep being told my account is going to be charged off at the end of the month and they are actively trying to repossess it.
My car is at an auto body shop locked up, I can't get it back until I pay {$1900.00} for the deductible and cost of an estimate for the other repairs.
I would really like to work this out so that it will help both myself and Ally. If Ally does not make concessions or try to modify my loan or issue an extension and apply the {$800.00} payment that they have and are holding and not applying to my account.
I will be forced to file for bankruptcy before the end of the month and reaffirm my debt to them. if my car is repoed and sold at auction Ally will lose money and it will further hurt me as a customer and consumer.
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| 09/29/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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On XXXX XXXX, 2015 I spoke to a rep at Ally, I explained to this rep that we had record breaking snow in the area which had caused me to miss work as well as other personal issues. He assured me all I had to do was make a {$100.00} dollar payment ( remainder of last month 's payment when things got tight ) and pass in the extension paperwork. I did everything I was supposed to do exactly when I said. In the coming weeks I continually checked in with them to see if they had received the paperwork. They never had any information just stated to stay on top of the situation as you have been. After I had made my next month 's payment it appeared as though the extension was filed properly as it showed I only owed one month 's payment.I spoke to reps between here and sent over paperwork multiple times.I then found out one of my childhood best friends had XXXX XXXX. So I spend what little money I had to get her a service dog to try to help out. As a result I missed my XX/XX/XXXX payment. I then spoke to a rep toward XX/XX/XXXX or XX/XX/XXXX, XXXX. She was nice and helpful and advised me to take a 60 day extension. I explained to her I wanted my XX/XX/XXXX extension retroactively honored as it should have been as I had gone above and beyond.I fully admitted to being short for my XX/XX/XXXX payment and wanted an extension for XX/XX/XXXX so in XX/XX/XXXX I could make up XX/XX/XXXX and be back on track. She basically said it was n't possible and I told her before I commit to any 60 day extension I want to be sure that my credit will be fixed. She offered to transfer me over to her manager to have me inquire there, so she did and I left a message. I received a voicemail at work the following day to which I called back and left another voicemail. I then did n't hear back from anyone for weeks. Of course, the calls start again around my due date with a different person every time who has no idea of the situation. From there I 've been in contact with a horribly abrasive, aggressive woman named XXXX XXXX. XXXX not once alluded to feeling poorly about the situation I was in as I have done everything every past rep had instructed me to. She had a very judgmental tone to her and she was very rude. She has caused further stress in my life in an already terrible time personally. She advised me to take a 60 day extension and assured me my credit would be updated as current. She stated that the letter would say I had 20 days but I really needed to get everything done faster. I explained I would get a payment in on XXXX/XXXX/15 ( we spoke on XXXX/XXXX/15 ) as I was under the assumption I was getting paid for my part time job I had just started. I was unable to pay but per the extension letter I have until XXXX XXXX, 2015 to get both payments in. I spoke to her today and she stated that she did n't know if I 'd have my car on XX/XX/XXXX when I get paid from my full time job to catch up. She 's also refused to send me my records upon request as furnishers of the credit have to do, to my understanding, under the Fair Credit Reporting Act. They claim to record and notate all calls yet refuse to send me my records, does n't listen to anything I say, then she threaten to repossess my car although I 've explained to her and many other reps I was not late in XX/XX/XXXX they just did n't file my extension and it 's been destroying my credit. I should be late from non-payment in XX/XX/XXXX, of which I wanted to make up in XX/XX/XXXX and file a deferment for that month. Someone who has paid faithfully and filed for extensions when they ran in to problems should n't be treated the way I have been. XXXX XXXX is the epitome of unfair, deceptive and abusive. I truly have n't felt as though I should pay until my credit is fixed but I have until I ran into personal problems of late. Everything that I 've stated is recorded on every single one of the XXXX or so calls I 've had
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| 08/27/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Credit denial
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Web |
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On XX/XX/2022, I visited the XXXX dealership on XXXX XXXX XXXX XXXX XXXX XXXX to get a XXXX XXXX XXXX for personal, family and household purposes. received a letter from Ally Bank dated XX/XX/2022 in regards to an application for a credit sale. The dealership denied financing, kept the original consumer credit application and told me that I would receive a letter within 14 days about the decision. The ( attached ) letter is what I received. It appears that Ally Bank based their decision on not being able to view the credit score from XXXX and XXXX XXXX. I'm confused as to how Ally Bank denied this transaction when The Truth in Lending Act states : 15 U.S. Code 1638 - Transactions other than under an open end credit plan " ( ii ) add any charges which are not part of the finance charge or of the principal amount of the loan and which are financed by the consumer, including the cost of any items excluded from the finance charge pursuant to section 1605 of this title ; and '' ... Since I am the consumer financing this transaction, Ally Bank has no right to deny this credit sale. The letter received is misleading, unfair and deceptive. I have been calling and emailing Ally Bank to no avail.
As a Maryland consumer, I am aware that I have been deceived since the beginning of this consumer transaction. Maryland Commercial Law Code, Title 13 ( Consumer Protection Act ), Subtitle 3 ( Unfair or Deceptive Trade Practices ) Section 13-301 et seq prohibits a person from engaging in unfair and deceptive procedures More specifically, an unfair or deceptive trade practice includes : Making a false or misleading oral or written statement, visual description, or other representation that has the capacity, tendency or effect of deceiving the possible tenant ; Failing to state a material fact if the failure deceives or tends to deceive.
I have been given false information orally and in writing by Ally Bank, XXXX XXXX and the XXXX XXXX.
During the application process, my nonpublic personal information was shared with consumer reporting agencies. I was never given a clear and conspicuous disclosure to opt out of my nonpublic personal information being disclosed to non-affiliated third parties. The Gramm-Leach Bliley Act defines the following : The term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution.
A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information.
A consumer reporting agency as defined in the Fair Credit Reporting Act. Congress states ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
Consumer reporting agencies were not appointed by the government, they have assumed the role of volunteers. The data reported by consumer reporting agencies is also an unfair and deceptive trade practice.
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| 09/04/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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I am filing a complaint against Ally Financial for the unnecessary stress that I have suffered from this company. I have gotten my car three years ago and did not have an issue with Ally until this year. I took my car to the dealership where I got my car to have a tire patched. One of the salesmen asked me if I would be interested in trading in my car. I told him that he can run the numbers, but I was pretty sure that I could not trade the vehicle in due to the bankruptcy that was on my file. After the salesman ran the numbers, he asked me, " Are you aware that you have XXXX car loans from Ally? '' I told him that I should not have XXXX car loans with Ally, because I only have XXXX car.
He told me to contact my bankruptcy lawyer and Ally to see what is going on. I checked my credit report and it clearly shows that I have XXXX auto loans with different amounts in each account. I called Ally XX/XX/2016 and asked them why I have XXXX auto loans after I sent them a message through the message center in which they stated that they can not discuss this matter through the message center. When I called and spoke with a representative at Ally, they told me that I only have XXXX account with them, but I told them that is not what my credit reports say. I looked at my old billing statements that I received before switching to pay online. It clearly shows XXXX different account numbers, but with the same VIN number of the car. Ally swears that I have only XXXX account with them and I gave them the XXXX account numbers that appears on my credit reports. They told me that they no longer use account numbers that starts with XXXX, and are using account numbers starting with XXXX. I asked them when did they stop using the old account numbers, because I have not received any notice in the mail stating that they were changing the account numbers.
The representative told me that she can not give the exact date of the changes in the account numbers. I reviewed the details that were presented in my credit reports and compared the information that was reported by Ally in regards to the payments that I have made. There were several discrepancies with the information that Ally has reported compared to the credit reports and my bank records. I wrote a dispute letter to the credit bureaus explaining that the account number XXXX needs to be removed from my credit report. I also asked Ally to provide me with a copy of my contract with them. After attempts to receive a copy of my contract through the mail failed, I told Ally to fax me a copy.
I took a copy of the payment history record of payments to Ally and compared it to my bank records. By doing the comparisons, I have discovered that Ally switched account numbers in XX/XX/XXXX. I even took the payment history to my bank and had the banker compare the number of payments. The teller said that the numbers were correct, however, I disagree with her, because it just does n't seem right to me. I have highlighted all the payments that I have made to Ally according to my bank records and what Ally states that I have paid. After reviewing the copy of my contract, I did not see in the contract that allows the bank to switch account numbers without notifying the party involved. From what I have read and reviewed comparing the information from XXXX banks and the credit reports, Ally has failed greatly for not informing the credit bureaus that the company will no longer use old accounts and in addressing the removal of old and the addition of the new account numbers. Not only has Ally failed to report this information, according to the credit report from XXXX, Ally has also not reported the correct amount of money that I have paid towards my car. I have tried to trade in my car several times due to financial hardships with no success. This was due to both accounts being removed after filing my dispute.
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| 01/20/2017 |
Yes |
- Consumer Loan
- Vehicle lease
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- Managing the loan or lease
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Web |
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In regards to my closed, paid in full Ally Financial LEASE account. I contacted this company several times regarding an error that was placed on my credit reports. Initially, Ally Financial was reporting this account derogatory information on a account that was in excellent standings. When they corrected the retail account they inaccurately added information on my lease account. I contacted Ally and informed them of their error. This time they removed the lease account from credit report. Note : Ally removed the account not the credit bureaus. A XXXX months later the negative account was added back to my credit reports. After seeing the significant drop in my FICO score, I submitting a " goodwill letter '' asking Ally that since my LEASE account been closed for years if I could be forgiven for the late payment. My request was denied. So I waited a year later and submitted another " goodwill letter '' and in addition, I spoke with an Ally Financial Representative and the derogatory account was removed from my XXXX and XXXX XXXX reports. But not XXXX. I waited 2 months and since it was still showing on XXXX, I contacted Ally Financial. This time I spoke with a representative named " XXXX ''. I can tell she became agitated with me because she keep saying that Ally Financial does not grant " goodwill '' request. When I informed he that it was removed she stated " Well, it should n't have '' and that she have to look more into the matter. XXXX days later, my credit monitoring alert reported " derogatory account '' added. Once again my credit score took a significant drop for a late that was over XXXX years ago. I contacted Ally and explained how XXXX 's retaliatory action is impacting my credit score as a " new '' derogatory account. They continue to tell me someone would call me back. No one calls and/or answers my letters. I would like to know how is it that one Ally Representative granted the " goodwill '' request then another comes an reversed it. Not based off of something I DID WRONG to the account because by this time the account was closed and paid in full since XX/XX/XXXX? To this very day, although, I have never been late on the new Ally retail account ( which is closed and paid in full since XXXX XXXX XXXX and the old Ally late almost 4 years ago, I was denied a loan in XXXX XXXX and XX/XX/XXXX due to a new derogatory account added in XX/XX/XXXX. It should be noted that Ally Financial Lease account is the ONLY negative and/or derogatory account on my all credit reports. I contacted all three bureaus and they informed me to contact Ally. I contacted both lenders who denied me and they informed me that the old account is reading as " late payments within the last XXXX months ''. I have the adverse action/ denial letters ( Denials received XX/XX/XXXX and XX/XX/XXXX ). It appears that when Ally re- added the XXXX account they submitted as a new derogatory account. Instead of having an impact of a nearly XXXX year old late payment I am being impacted as a recent late payment. Which is inaccurate. If Ally Financial is going to take back their " goodwill '' approval then the account should reflect and have the same impact as a XXXX year old late not re-aged like a new late payment added in XX/XX/XXXX. PLEASE NOTE : THE ALLY FINANCIAL LEASE ACCOUNT DOES SHOW LATE PAYMENT BACK IN XXXX. HOWEVER, BOTH RECENT DENIAL LETTERS " LATE PAYMENTS WITHIN XXXX MONTHS ''. I am requesting that Ally Financial immediately correct how this old lease account is sending a signal as a newly added derogatory account. If this account can not reflect and/or impact my credit report the same as a nearly XXXX year old account should then the lease account should be removed completely. It should be noted that prior to XX/XX/XXXX, I was approved for XXXX credit cards with XXXX and XXXX credit balances. All loans and XXXX no lates since XX/XX/XXXX.
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| 01/28/2016 |
Yes |
- Consumer Loan
- Vehicle lease
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- Managing the loan or lease
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Web |
Older American |
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. I have a disagreement with XXXX XXXX over a collection matter. I traded in my XXXX Chevy Cruize Lease on a XXXX Chevy Cruise. Ally Bank financed the XXXX Cruize XXXX XXXX XXXX XXXX in XXXX, Pa. In short Ally has recentlt sent correspondence that I owe for Damages on my return car. Both I and the dealer had verified that they saw no damages. I contacted Ally and they said i could see Damages on line. As sheets attached show I was unable to get on line. They do not show My car in the section that they claim I can see the damages. I explained that the DEALER SAID THERE WERE NONE AND ASKED THEM TO CONTACT THE dealer. Also, in a call they said I could pay by credit cardif I chose ( I have no cash ). They said I could go to the dealer and view the photo 's. They REFUSED to MAIL me photos. They said I could then either pay with my credit card at the dealer OR call back and give them my credit card info. I went to dealer who once again confirmed that it is their policy to MAKE A FILE on any damages to a vehicle lease turned in. They said if there inspection does NOT find any damage they DO NOT MAKE A REPORT FILE. They said it was over a week thbefore the XXXX representative came to get the car. The Dealer had the car for warrenty Engine repairs and thats when I agreed to a new lease so the dealer had car on a lift etc to do repairs yet had NO Damage report to body as alleged by Ally and they REFUSE to send paper photos. Dealer said contrary to Ally claims THEY DO NOT HAVE ACCESS to Ally bank Photos, Nor could they accept credit card payment even if they did. So Ally misinformed me.
Since the matter is in dispute Ally REFUSES to contact the dealer, instead calls threatening me to turn over as a unpaid bill the amount to credit reporting agency 's. They call on weekends and late at night. Yesterdy for instance I told the collection agent of Ally that they are FORBIDDEN BY FED LAW to create an adverse credit report while matter is in dispute FDCPA Section 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
The requirements for meeting debt validation are not tough. However, it 's not enough to send you a computer-generated printout of the debt.
If a creditor ca n't validate a debt : They are not allowed to collect the debt, They are not allowed to contact you about the debt, and They are also not allowed to report it under the Fair Credit Reporting Act ( FCRA ). Doing so is a violation of the FCRA, and the FCRA states that you can sue for {$1000.00} in damages for any violation of the Act.
THE COLLECTION AGENT would not listen to me wanted to hear nothing about my correspondence and insisted their contract was the guide and Fed law DID NOT MATTER. Said that it was/is going to the credit reporting agency and my credit will be ruined. I tried to argue she could not do that under the law. She was arrogant and insisted she could.
I point out that even if there were some damage ( and i deny any ) their Lease turn in rules state that NORMAL WEAR includes Scratches that can be Buffed out during Reconditioning. Certainly even if dust or road dirt were covering such a scratch the DEALER OR I wouls have noticed any DENTS as I believe that XXXX claims existed. I relied on the dealer when I took the new lease. If dealer had said there are
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| 03/29/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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|
Web |
Servicemember |
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I am about to report to you today that it is XXXX of me to believe that there are still people out there you can trust. I always thought the XXXX XXXX was a dealership that values customers more than just making a profit.
I had purchased one before the last two vehicles I am currently financing through Ally.
On XX/XX/XXXX, I stopped to check out the new GMC terrain and ; I liked what I saw and decided to go ahead and prepared the package and keep the payment up to $ 550 monthly. They told me to go ahead and take the vehicle, and they will call me when all the paperwork. Two days went by, and they were having problems finding the buyer of the portfolio. Suddenly on XX/XX/XXXX, I received a call from them telling me that everything was ready. When I arrived, they were still working with the financial institution, and they could not get the payment to be on or below {$550.00}. I asked what the price would be at their request, and their answer was 618. After 3 hours, and agreed to the amount, and I signed the contract where they told me to sign, and I was tired of waiting.
I trusted them because of the last purchase I made in the past.
The exact process happened on XX/XX/XXXX ; I called the person I always dealt with, and I explained to him that my wife 's SUV was about to go out and that I needed to get a used and cheap vehicle. I gave him the amount that I could afford at the time. I went to the lot, picked up the car, and told him to call me when the paperwork is ready. Same problem, took them a couple of days and finally called me on a Saturday to stop by to sign documents and make it official. That time was fast, and the same thing salesman assigned to me told me where to sign, and I did.
I made my payments, and I lost my job and did my best to keep up with them. I was unemployed for almost a year. Ally was patient with my financial situation. The problem was that they have too many collectors, and I know I spoke with at least 12 collection agents, and they always tell you they understand and that they will call me back with a solution, and it never happened.
One of them was so disrespectful, and he threatened me with sending a tow truck to repossess my wife 's vehicle. He kept asking me for a payment, and I told him that I could write him a check, but it would no clear my bank. He got me to lose my mind the minute he threatened me with the vehicle 's reposition, and I will not deny it and used foul language and told him that I would go to Florida and find him. I complained to XXXX and nothing happened, even though he violated the collections ' procedures because the very next day, he called me again.
Another collector told me to go ahead and turn in my keys. They were stressing me out so bad.
I sent them emails requesting help from them. Finally, I received an email stating that they are willing to help, and what happened? They sent a tow truck and picked up the vehicle anyway. I had to sell articles from my house, jewelry, and other things to come up with the money.
The day my wife and I went to pick up her vehicle, the person working for the towing company disrespected my wife, and I was about to XXXX his lights out. They damaged my car. Ally 's representative told me that it was their problem and not Ally 's.
Doing the math, I just realized that I paid close to {$40.00} for both vehicles all this time and that I am halfway to fulfill the contracts, meaning that I have to pay another {$40.00} making a total of {$80.00}, which I believe that is abusive.
My accounts were taking off from my XXXX profile, and I also asked them about it, and I did not get any straight answers from them. Had I known not to trust the people involved, I would not be in this problem, nor would I had not signed any contract. All the pressure to sign and get out is unbelievable. Nobody and his right mind would do that.
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| 04/10/2015 |
Yes |
- Bank account or service
- Savings account
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- Account opening, closing, or management
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Web |
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I am filing this CFPB action to contest a series of abusive and seemingly unscrupulous actions taken on XXXX XXXX, 2015 by Ally Bank personnel, in relation to my online savings account. I opened up an Ally Bank online savings account last month and deposited a total of {$20000.00} into the account via transfers from my home bank 's checking account.
Other than the slowness of moving my funds from my bank to Ally ( it took 5 to 6 days rather than their advertised 2 to 3 day period ), my experience with Ally was basically meeting my expectations until the events of the past day. I had successfully set up secure access to my Ally account via both their regular online login system and via their mobile phone application.
Two days ago, I changed my home phone number due to the increasing receipt of numerous scam and fraudulent calls, and within hours had gone online and promptly notified all of my financial institutions and other service providers of my new home phone number. There was no change to my mobile ( cell ) phone number, address, or any other information. My updates to my home phone number at all of these accounts, including Ally, were done via the usual secure login systems.
On the morning of XXXX XXXX, 2015 I received a call from a woman on my new home phone number who only identified herself as being from Ally Bank, who said she was calling to confirm an " address change '' that I had recently submitted. She was very aggressive, refused to further identify herself ( I do not have caller ID on my home phone ), and continued to rapidly ask me a very long list of questions. I at first answered the first several questions, such as the last XXXX digits of my social security number, my pet 's name, my mother 's maiden name, and other items that I had offered up as security questions provided by me when I first opened the Ally account, and seemed reasonable. I definitely gave her all of the correct answers. She kept going on and on and on, however, asking increasingly personal questions, such as the make, year, and model of my vehicle, which I have never before been asked, and seemed highly unusual. Since I suspected possible fraud, I stopped answering the questions after about the eighth item, and ended the call.
I then almost immediately attempted to log onto my Ally account to get the account number, and call Ally 's regular customer service line to confirm that the call from this very aggressive and rude woman was legitimate and to ensure that a problem with my account did not exist. After correctly logging in, a message appeared, saying that my account had been locked and that I needed to call the toll-free phone number provided. I them quickly called the toll-free number and after giving the representative my name and account number ( I had retrieved it by then from my print Ally records ), was told that there was nothing they could do, and that I needed to place a toll call to a woman named " XXXX '' at XXXX. After waiting about 90 minutes I finally received a return call from " XXXX in Loss Prevention '' who again incorrectly asserted that I had filed an " address change '' to my account, which I again said was incorrect, as only my home phone number had changed. I then had to answer many more questions from her, and many of the questions seemed extremely unusual and intrusive, such as the make, model, and year of not just my current vehicle, but also of previous vehicles I have had, and places where I have lived many decades ago. Ally Bank 's so-called " loss prevention office '' needs to be held to account for the abusive behavior of their employees, and should take immediate steps to avoid this from ever happening again. The only thing the " loss prevention '' office accomplished in my case was Ally 's permanent loss of a good customer, and this filing.
Thank you for your careful considerat
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| 05/17/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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|
Web |
Older American |
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First of all, I always pay Ollo ON TIME, and pay more than the minimum balance due. I had a XXXX balance at the time I received the false settlement notification described below.
Now I have a {$920.00} balance due to the three XXXX balance transfers, which is accurate.
Here 's what has transpired : I took advantage of Ollo 's XXXX interest balance transfer offer.
I asked for Ollo to do balance transfers for 3 of my credit cards. Each balance transfer was for {$300.00}. Ollo charged {$9.00} per each transaction.
After about five days I checked the three accounts that {$300.00} each should've been paid to and the payments had not been made. However the {$920.00} was shown in Ollo that I owed.
On XX/XX/XXXX I called Ollo and spoke to XXXX. The Ollo system was down and she said to call back in a few hours when it would hopefully be back up. In the meantime, she was well aware of how the XXXX balance transfer worked and told me it could take up to 30 days for my three accounts to receive the money. She said when I called back to find out if my balance transfers were sent to the three credit card companies electronically or via email.
On XX/XX/XXXX I called again and spoke to XXXX who confirmed that all payments were sent electronically on XX/XX/XXXX, but that it could still take up to 30 days for balance transfers to show up in my three credit card accounts. Luckily, all three credit card companies received the {$300.00} payments later that week.
Then, on XX/XX/XXXX, I received an email from my bank saying " It looks like you settled on account with the lender. A settlement can stay on your credit report for several years but you have options '' I didn't know what this referred to so I researched further and it was regarding Ollo. I called Ollo and spoke to a horrible representative named XXXX XXXX She talked over me through the entire conversation. She was not only not sympathetic she seemed to derive pleasure from the fact that my account has been " revoked '' and that I had XXXX funds available from my {$4200.00} card limit, and told me that I had retained a power of attorney! I let XXXX know I was in shock that I don't know what happened or how it happened but this was inaccurate and should I talk to the fraud department. She said no that I should just call the ART ( account restructure team ) department tomorrow since they were closed today.
Because I was demanding that this was all a mistake on Ollo 's part, she finally put me on hold and talked to her supervisor who instructed her to do an account investigation. She filed it while I was on the phone with her, and she told me the investigation would take 7-10 days to complete.
XXXX let her know I was applying for a loan modification and this mistake would mess up my credit and chances of getting my loan mod. XXXX XX/XX/XXXX I called and spoke to XXXX in the Art Department. He told me the direct number to his dept. was XXXX XXXX.
XXXX said it didn't make sense that they would need to do an investigation and that they should've just taken my word for the fact that I didn't retain a power of attorney. He said that he 'removed the coding ' so that power of attorney is no longer reflected on my account. He did not have the ability to reopen my account. However, he said his supervisor, XXXX XXXX, would have that power and that I should leave her a message to call me. He sent her an email telling her to expect my call and I left her a message at around XXXX.
XX/XX/XXXX I called again and spoke to XXXX since I didn't get a call back from XXXX. XXXX was unable to transfer me to XXXX and also told me he couldn't place a call to me. I plead with XXXX and she was absolutely useless. She did finally transfer me to her supervisor, XXXX, and same thing - she doesn't answer her phone and I left a message and she did not call back, again.
HELP!!!
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| 06/04/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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XX/XX/XXXX, XXXXI began to try to resolve the problem of a lien on our home from mortgage from XXXX that had multiple servicing transfers and found to be held by Ally Bank. I was told many different classifications of this loan by multiple Ally CSRs, i.e. it is 120 days past due, there is no payment history, I need to talk to the default department, it's a charged off account, it's in the Bankruptcy Dept. After speaking with the Bankruptcy Dept. I was told they would send me a payoff statement and they had no other information and I should contact the bankruptcy attorney. I explained that they do not have any records because it had been discharged 11 years ago. Did not receive any information and made a post on XXXX. XX/XX/XXXX called and was given an Executive Resolutions Analyst an employee said she would call me. XX/XX/XXXX to XX/XX/XXXX no return calls. XX/XX/XXXX called and asked CSR to send message to analyst. XXXX, called number on XX/XX/XXXX letter left VM. XXXX called and left VM. XXXX called and left VM. XX/XX/XXXX called and left VM. XX/XX/XXXX called left VM, then XX/XX/XXXX, and XX/XX/XXXX. XX/XX/XXXX called original CSR number and asked for a secure message to be sent to analyst. Analyst calls back and states that loan has been charged off and I need to call XXXX to contact Ally about permissions for them to discuss subordination and she would talk to her boss about how to proceed and call me back that Friday by XXXX. XX/XX/XXXX to XX/XX/XXXX no return call from analyst. XX/XX/XXXX called main number transferred to another department asked them to send message to analyst. XX/XX/XXXX through XX/XX/XXXX called everyday leaving a message for analyst. XX/XX/XXXX she calls telling me she is moving to have the loan extinguished and will call that Thursday to confirm. XX/XX/XXXX she calls stating that I need to make an offer in order to settle and fax that to her. I made and faxed the offer which she acknowledged through email that day ( XX/XX/XXXX ) She states that she will have an update in 5-7 business days. XX/XX/XXXX still no response so I called main number to leave her a message the CSR said he had instant messaged her and she said that she had not heard back from the negotiator and will contact me in 48 hours. XX/XX/XXXX still no contact and I called again speaking with the same CSR and he states that I just need to cooperate with Loss Mitigation and I said that is not what was told to me and I have given what the analyst asked for and please have her call me. He insisted that we should just work together and I went on to explain just how long this has been going on and it has already cost us a Home Equity loan and is in danger of costing us a mortgage with XXXX because Ally will not do what it said it would do to close out this problem. XX/XX/XXXX I complained on XXXX again and received a VM from a different analyst asking if there was anything she could do or answer any questions. In the meantime the mortgage we applied for with XXXX has been taken out of processing because Ally will not resolve this situation. XXXX left a message with XXXX analyst, called presidential complaint line-left VM, called Loss Mitigation, called numbers on two letters left VM and talked to CSR who sent messages to 1st analyst, 2nd analyst, and employee on loss mitigation letter. Called the main number ad spoke with 2 other CSRs asking to speak with a supervisor or manager and was told there is no transferring and someone would call me in 24-48 hours and another who said a general CSR manager can not help me because the loan is in collections so it would have to be a collections manager and they've escalated my case and have until XXXX to call me back. I'm not naming names but if you look at the letters and phone logs they are all there or their employee numbers. We need help immediately, please and thank you.
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| 03/15/2017 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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I contacted ally financial on Monday XX/XX/2017 before XXXX. I advised the representative that I had listed my car for sale on Sunday XX/XX/XXXX and had an interested party. I advised that I would need to be able to transfer the title should the decide to purchase ( which they did ). The rep advised on the phone that if I used certified funds to pay the car off, that they would release the lien and send me the release within 24 hours. They would overnight XXXX the lien release to me if I provided my own XXXX account to absorb the charges. The rep also advised that if I sent the money XXXX, they would post it within 2 hours and send the release the next day. I stressed that time was of the essence as I had a business trip planned for Thursday XX/XX/XXXX and I needed to be able to deal with this before I left. While at the bank, they advised me against XXXX and into a cashiers check, We called Ally on Speaker phone and asked if I overnighted the certified funds, would they post them that day and send the lien release. They cited they would. I issued a cashiers check for XXXX $ MORE then the payoff amount to ensure all per diem was covered to Ally Financial and overnighted it to address provided by the rep which was Payment processing center, in XXXX KY. The package was received Tuesday XX/XX/XXXX at XXXX and signed for by XXXX. I received email notification of the delivery and immediately called to verify. I was advised that it could take 24-48 hours to post but they would send the lien release right away once it posted ( Already deviating from what I was told on XX/XX/XXXX ) I again stressed that I 'd used my savings to make this payment and time was of the essence.
I called on XX/XX/XXXX, and the payment had been posted, I immediately requested the release of lien, I was assured I would receive it, I reconfirmed my XXXX account number for them to send it. I received no notification that day that a shipment had been scheduled under my account. I called back on XX/XX/XXXX, after rescheduling my business trip to try to accommodate the buyer of the car. Rescheduling effected me financially causing me to lose almost 1k . On the XX/XX/XXXX they advised that it could ACTUALLY be 24-48 business hours. I still called again on XX/XX/XXXX in hopes of getting it sent out Friday. Again I was advised 24-48 business hours but was told that 24 business hours had passed so that meant if they did n't get it out on Friday, that it would be released Monday.
Monday came, I called again, seeing nothing hit my XXXX account, they advised it had not been sent and the previous request had been cancelled ( for an unexplainable reason ) and I would have to wait AT LEAST another 24-48 business hours. I advised this was UNACCEPTABLE as the payoff had long been posted, and I HAD to leave Wednesday XX/XX/XXXX for the rescheduled business trip and that if I did n't transfer the car prior to Wednesday at XXXX my buyer would back out. And I would be out the money I used to pay off my car.
Tuesday, XX/XX/XXXX I called again, explained the story yet again. I was advised that they would FAX me a lien release before XXXX EST. This was around XXXX. At XXXX I check the fax machine in my landlords office, No Fax. I called back, I was again given the run around about offices being behind, Snow storms, and other excuses.
Ally 's website CLEARLY states that if you send certified funds, they will send the release with in FOUR business days of RECEIPT of the payment ( see attachment from their website ). We are well past 4 business days of receipt. We are past 4 business days of posting.
This situation has cost me now thousands above and beyond the cost of the payoff in lost work, rescheduled trips, and other hardships related to my inability to purchase a new car since this one is n't released yet, which is going to leave me w/o a car for work
|
| 12/15/2023 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Problem accessing account
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Web |
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XX/XX/XXXXXXXX Dear Consumer Financial Protection Bureau : Evidence indicates that I, XXXX XXXX, the owner of the two ( 2 ) bank accounts and one ( 1 ) investment mentioned in this complaint, have NOT received, at minimum, any printed bank statement ( s ) from either of the Subjects in this complaint, Ally Bank and/or Ally Investments, since I discovered on XX/XX/XXXXXXXX that the Subject banks in this matter, Ally Bank and/or Ally Investments were, are, and continue to illegally and unlawfully bar my online access to any and all of my three ( 3 ) accounts at Ally Bank and Ally Investments . Subject bank ( s ) assert, in Subject bank 's response to my Consumer Financial Protection Bureau complaint number XXXX on XX/XX/XXXXXXXX that " On XX/XX/XXXX, when you opened your Spending and Savings Accounts ending in XXXX and XXXX, respectively, you agreed to the consent. '' Thus, the Subject ( s ) Ally Bank and/or Ally Investments requirement on or about XX/XX/XXXXXXXX demanding my re-consent, to consent a second time, to terms Subject ( s ) allege were already in full force and effect since " XX/XX/XXXXXXXX '' makes the demand ( s ) of these Subject ( s ) on or about XX/XX/XXXXXXXX redundant, arbitrary, capricious, and completely unnecessary. As a direct result of Subject banks ' arbitrary, capricious, and malfeasant placement of a redundant and unnecessary intervening web page between my former ability to log into my accounts with my subsequent access to my accounts at stake, Subject ( s ) Ally Bank and/or Ally Investments are and continue, in fact, to obstruct my former access to my bank accounts at Ally Bank arbitrarily , capriciously, and malevolently. I have not been able to access any one of my three accounts at Ally Bank and/or Ally Investments for over a month and a half. Subjects Ally Bank and/or Ally Investments have not provided me any printed bank statements, have not provided me any way to access or to administer my accounts since Subject ( s ) Ally Bank and/or Ally Investments arbitrarily, capriciously , and malevolently placed Subject ( s ) ' intervening web page between me and my former online access to my accounts, including and thereby criminally impeding my former ability to trade using the Ally Bank website through which , prior to XX/XX/XXXX of this year, I had not been impeded and wholly blocked by the Subject ( s ) Ally Bank and/or Ally Investments from administering my three ( 3 ) accounts.
Subject ( s ) Ally Bank and/or Ally Investments are attempting and continue to attempt to extort more favorable contract terms capriciously, arbitrarily, and malfeasantly amended by these Subjects Ally Bank and/or Ally Investments by way or by means of extortion and extortive business practices and embezzlement and malfeasance directly resulting from Subject Ally Bank and/or Ally Investments extortive and extortionate business practices , one-example-of-which is their arbitrary and malfeasantly placed demand for consent to amendment to contract terms that their letter of XX/XX/XXXXXXXX indicates was first established on " XX/XX/XXXXXXXX ''.
Furthermore, the simple fact that the Subject ( s ) Ally Bank and/or Ally Investments Customer Service Representative did not and has not completely identified him or herself with their first and last names on their reply dated XX/XX/XXXXXXXX to the Consumer Financial Protection Bureau or to me, the complainant, indicates and is highly suggestive of the fact that employees and/or executives at Subject Ally Bank and/or at Subject Ally Investments are attempting to impede any and/or all legal processes to remedy the harms caused by Ally Bank and/or Ally Investments in this or these unresolved and ongoing matter ( s ). Exactly how is process to be served when Defendants refuse to identify themselves?
Please advise.
Very truly, XXXX XXXX cc : //
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| 10/01/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Repossession
- Lender trying to repossess or disable the vehicle
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Web |
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I moved to XXXX, Alabama for school and was living with a relative and due to our schedules sharing a car wasn't an option. I took out a loan for roughly around XXXX XXXX {$4500.00} with a company known as XXXX to go and get a car. This was my first time taking out a loan and making a big girl purchase of getting a car with no assistance from anyone. The only thing I had in my name before this car was 2 credit cards which I was doing pretty well with keeping up with, so my credit score was stable. I decided to check out this local dealership in XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX in which I found a car perfect for it be my first-time car and an everyday car. The car I purchased from them in XXXX which was a XXXX XXXX XXXX XXXX that had roughly XXXX miles on it and minor things to be fixed like one of the headlights and a hinge piece to the passenger side door. The customer service salesman XXXX XXXX who sold me the car told me that since these were minor problems that occurred before me purchasing the car that he would have them fixed. Needless say XXXX didn't get any of those things fixed even have text messages asking about both problems being fixed, and nothing was ever done. Unfortunately, I found out through his XXXX in XXXX XXXX that he had passed away. Long story short my motor cut off on me on the way to XXXX to help my parents watch over my niece who we share XXXX with due to personal reasoning and I had it towed back to the place where I normally get my oil change from because I had gotten an oil change that day right before I got on the road. The guy at the oil change place told me that it had nothing to do with them but that this is the XXXX XXXX they got this year with the same problem I was having which was that there was a recall on the motors. I called my dealership and XXXX is the lead salesman that took over my issues and come to find out there was a recall notice out on my motor, but I didn't get any notice about it. XXXX had given me loaner car until he got my car fixed. He had promised constant communication about updates on my car and that didn't happen because I was always reaching out to him. Sometimes he would respond but most of the time it was excuses about why my car wasn't fixed. I have the messages between me and him as well. He had told me back in XXXX XXXX XXXX that a motor was found, and he found a mechanic that would fix it. Since that day I hadn't heard anything about the motor being put in to fix my car. I remember in XXXX of XXXX the day after my XXXX that he needed the loaner car back because his boss wanted that car to be sold and told me that a motor was hard to come by for my car, so nothing was done to it even though he told me back in XXXX that a motor was found for it. I had reached out to Ally bank who I financed my car with and told them about everything in which they couldn't do anything about it since the car wasn't in my possession and is inoperable, I told them that I couldn't afford to keep paying on a car that I hadn't had in months and still don't have as of this day. I reached out to XXXX again in XXXX of this and told him what Ally bank said and wanted to be compromised with something since none of this was my fault. He had no updates for me about the car or showed any care in the world. I still have documents and personally items in the vehicle that I haven't gotten back. So needless to say, this hurt me financially, messing up my credit, and is keeping me from purchasing another car which is needed because I have a baby on the way in XXXX. I personally feel I was told lies and broken promises from the car dealership which I believe & so does my parents that they got off on me as in sold me a lemon. I am a XXXX XXXX XXXX and was doing what was needed to make it through school with no help provided only to end up played in the end.
|
| 10/19/2016 |
Yes |
- Consumer Loan
- Installment loan
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- Taking out the loan or lease
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Web |
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This is laughable ... I just received from Ally Finance a bogus truth in lending. First of all, they have an incorrect address on the TIL. and the APR is 18.69. This is a high cost loan. Being that I am XXXX XXXX, I do believe this falls under the discrimination of Ally Finance. They are alleging that the vehicle purchased at the wrong address at the time there was a credit freeze and fraud alert on my credit report that I agreed to pay double for a vehicle with a sticker price of {$35000.00}. Therefore after 72 months, the vehicle would have been over {$60000.00}. Nice try Ally but certainly not likely. Where is the total package? from what I see on the credit report, several payments were made. Who made these alleged payments? I would also like to know where this vehicle allegedly is today. If you are insinuating the vehicle was repossessed, there are laws as to how vehicles can be repossessed in the State of Rhode Island. These are called statutes in case you did not know. First and foremost, where was this vehicle repossessed from? Did you allegedly speak to me prior to? Did you provide the necessary 10 day letter prior to? Did you notify anyone that the vehicle was being taken? Personal belongings were more than likely in the vehicle and based on the Rhode Island laws, a 20 day notice is to be provided to the alleged consumer. Do you have a 20 day notice or is that forged as well? If not, that would mean you did not follow the statues. Were the police notified that the vehicle was being repossessed? I believe and do not quote me, but to my knowledge, the statue is 2 years from the date of purchase which would have ended XX/XX/XXXX it I had purchased this vehicle at the inflated price. That would mean Ally in fact owes me money based on the settlement agreement. I do believe the letters needed to be sent by certified mail with a return receipt. The 20 day notice should be in writing according to the Rhode Island statues. Please tell me where this vehicle was taken from and provide me with a credit report. I would love to see how you came up with the interest rate. Why would you have the incorrect address on the truth in lending statement? I do not know if the peace was breached or not because I have no idea when, where, what or how you repossessed this vehicle that has been paid on and not by me. I have told you on several instances that my identity was stolen and I have no knowledge of the like. You just want to be difficult and keep this on my credit. This also is against the Rhode Island statues as you can not produce the necessary documentation. If you did repossess this vehicle, was it sold at auction? Well, for what was it sold? I do not believe a letter in regards to that was ever mailed either. The Rhode Island Repossession Act clearly outlines the statues. On the letter, I received from you, you state the last payment was made XX/XX/XXXX. Could you please forward a complete payment history? When I spoke to XXXX in the fraud department, she clearly told me " this was not my account '' and " she could give me no information '' The fact that I was not even residing at the address on the TIL, that tells me you are throwing it up against the wall and seeing if it sticks. Your credit report is very contradictory, it states last payment made in XX/XX/XXXX, and 1st delinquency XX/XX/XXXX. I do n't quite understand that. Ally, stop making up things as you go along. You simply want someone to be responsible, therefore you are desperately attempting to make this my debt. I sent you a certified letter that you ignored. Therefore, you could not produce the necessary documents. You can not sell a vehicle at an auction and not provided documentation because if you sold it for more than the balance owed, you would owe the funds to whomever the responsible party is. Now we have a case of forge
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| 09/30/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
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Web |
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I contacted Ally Bank XXXX Ally.com XXXX about how to opt out of having the bank cover an overdraft with an ATM fee and thus opt out of related fees. They told me there is no way to opt out of having the transaction covered ( and also told me there 'd be a fee ). This seems to contradict the law -- as well as Ally 's own website. Below is the chat session ( please note my real name is not used in the chat session -- I do n't want my real name published on the CFPB website. Plus, I was asking the question on behalf of my brother, who does n't have an account with them, and i did not want them to answer the question specific to my account ) CHAT SESSSION BELOWWelcome to Ally 's Live Chat. Thanks for joining us! A Customer Care Associate will be with you in a moment. You are number XXXX in the queue. Thank you for waiting.
You are now chatting with XXXX : Thank you for chatting with me today. How can I help you?
XXXX : Hi, chatted a second ago about opting out of having a debit card transaction go through if there is not enough money in the account to cover the debit card transaction. You ( someone at Ally XXXX said there was no way to opt out of this and also no way to avoid a fee if using the debit card were to overdraft the account. Are you sure about this? My XXXX understanding of the law, from a webpage ( not a lawyer ) is this : XXXX : Remember to wear black XXXX XXXX, because that 's the day the infamous {$35.00} XXXX may finally meet its demise. From that day forward, a new Federal Reserve rule will prohibit banks from charging overdraft protection fees unless a customer opts in. Overdraft protection is a service offered by banks that allows checking account holders to temporarily make purchases with a debit card even if they do n't have sufficient funds in their account to cover them. In effect, the bank makes a shortterm loan to the account holder so his debit card is n't declined at the register or an ATM machine. In return, the bank charges an overdraft fee of {$10.00} to {$35.00}, according to an informal XXXX survey. " ( The new law ) puts the decision in the hands of the consumer as to whether they want overdraft protection for smalldollar transactions conducted by ATM and debit card, '' says XXXX XXXX, XXXX and XXXX 's senior economic analyst. Read more XXXX XXXX # XXXX Follow us : @ XXXX on XXXX XXXX XXXX on XXXX XXXX XXXX Yes. I advised you that you can place overdraft protection on your checking account if you have a savings account to set that up. I apologize if I was unclear about this earlier, XXXX.
XXXX : Yes, you advised that. I do not want overdraft protection of any kind. I want the transaction denied. According to the bankrate website, that is my right by law. I wanted to check if indeed you give me the option to opt out of any overdraft ( as the website suggests is the law ) and how to do it.
XXXX XXXX : I 'm sorry for the delay. I 'll be right with you.
XXXX XXXX : It states that this would be the consumer 's decision, not that the bank has to offer it. We provide a wayto avoid overdrafts and it is up to you to choose if you want to use them or not.
XXXX : " From that day forward, a new Federal Reserve rule will prohibit banks from charging overdraft protection fees unless a customer opts in. " XXXX : That seems prettty plain that I have to opt in to pay an overdraft fee! XXXX : Do you have a manager?
XXXX XXXX : I do have a manager. XXXX moment while I get XXXX on the line for you. It make take 35 minutes to get them on. I apologize for the wait.
XXXX XXXX : They are trying to get their system up. It will be a few more moments.
XXXX XXXX : Unfortunately, my manager is not able to get their chat program up. Would you be willing to receive acall from them?
XXXX : Can he come to your cmputer and chat?
XXXX : If not, I might simply turn this chat window o
|
| 03/25/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
|
Web |
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I have been dealing with Ally and this situation for over a year now and have had no help in the situation and nothing has been resolved. I have also been transfer from many many different employees of yours for this situation and each one of them says they do not have access to m y account yet they can send me my payment history.
This whole situation started by Ally canceling my auto payment WITHOUT my permission and then my account disappeared for months and not even my lawyer could find my account and it said it was closed out for months. When the account reappeared Ally was trying make us pay for three months a once which was not doable at that time. So the lovely lady we talked to on the phone said that she would defer the payments at the end of the lease and also that she would add the late fees on to the each of the remaining monthly payments.
Then when the lease was paid off in full in XX/XX/2019. We were waiting for our title of the car to be sent to us and never received it. What we did receive was a letter saying we owed {$350.00} for late fees. This was a shock considering what we were told for the lady who dealt with our account and who deferred the payments the first time around.
Now since XX/XX/2019 we have talked to many of your employees who where less then helpful and even very rude. They would hang up on us, harass us every morning, and then when we ask question about the payment history and why we were being charged different amounts for the months that we were told we late on ( in the attachment is one page of the payment history that is highlighted with the payments that we owed and what you actually made us pay ). When we asked about these highlighted payments all employees said they did not have access to that information. How do you expect us to pay you a late fees that you cant even explain why we were being charged all sorts of different amounts through those certain months. If those were in fact NOT the extra money being taking out for the supposed late fees like the previous lady had said they would be taken out and like your contract states it would be taken out, then why are the amount for those months not the same?
For Example : XXXX Sch payment = {$400.00}, Payment Due= {$400.00}, Total Paid= {$400.00} Now this is correct XXXX Sch payment= {$400.00}, Payment Due= {$400.00}, Total Paid = {$420.00} From then on out the payment due is different as well as what we pay for another 14 months. So if we were not being charged already for those late fees why were we paying different amounts. We were on autopay for the entire lease period expect when they stop it on their own without our permission.
Now this is what no one on Ally staff seems to be able to explain to us. We never questioned this when it was happening because we thought it was the late payments we owned being added to the next bill like we were told it would be by that women and by your contract. ( contract is also in attachment with yellow highlighter ).
We will pay the money to get our title back if someone can explain why we were told one thing and then at the end of this we are dealing with this for a year now and no one can explain anything to us about this. I have filed many complaints, I have dealt with many of Ally staff in which have been very rude. Keep in mind none of this would of happened if our auto payments did not stop without our permission and our account disappearing. If you look at our track record before that, we were never late.
XXXX XXXX XXXX say he will call you back and never does and then declines your call when you try to reach out XXXX XXXX Only other helpful one but then referred us to XXXX.
XXXX XXXX likes to hang up on people after harassing them every day.
XXXX - once asked to explain the difference in payment, she refused to help us any longer.
|
| 02/15/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
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Web |
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ALLY AUTO illegally repossessed my car after entering into a verbal agreement ( superceding the written contract ) not do so. I performed as agreed. ALLY fraudulently entered into the contract with full knowledge they had no intention of honoring it.. Additionally, ALLY through its deception refuses to acknowledge {$1800.00} paid to them via XXXX ( per their direction ), illegally inflating their financial records.
XXXX XXXX the CEO being aware of the situation, he assigned my " issue '' to the 'Executive Customer Service Team '. ALLY has used 15 days so far, failed to return the vehicle, correct the financial falsehoods and has set a date of XX/XX/XXXX to dispose of the vehicle. NONE of this should be happening if ALLY adhered to the law.
Exerts from most recent letter sent to ALLY : Dear XXXX XXXX : As you are already aware, my vehicle was illegally re-possessed by your company.
Your company representatives entered into a LEGALLY BINDING verbal agreement on XX/XX/2017 to accept {$1800.00} towards the balance of outstanding debt, payable before the end of the month ( XX/XX/2017 ). I adhered to my part of the agreement, Ally did not. Less than 48 hours later, Sunday XX/XX/XXXX/Monday XX/XX/2017 at approx. XXXX my vehicle was stolen from my driveway. No notice. No communication. NO NOTICE from anyone.
Please be advised your organization is in violation of the California Fair Debt and Collections Practices Act ( Rosenthal Act ), the FDCPA, has criminally violated California Law ( PC4and is liable for all damages incurred ( statutory ), other civil damages, special damages to protected class individuals and punitive damages.
The willful failure on your part and that of Ally and its representatives to correct these issues and to return the stolen property ( my vehicle ) combined with the lack of timely correction or communication addressing all matters by you and Ally and its representatives continues to support your fraudulent and deceitful actions. You have had plenty of time to correct the mistakes of your company.
Additional violations by Ally : 1 ) Under California law a verbal contract is binding. Since Ally failed to memorialize the terms in writing, I did within the legally binding timeframe ( of which you are aware ). This fulfills an important component of contract law in California.
2 ) The verbal contract supercedes your written contract. Ally violated the verbal contract and performed an ILLEGAL REPOSSESION 3 ) When a vehicle is repossessed in California, the repo agent or purported " owner '' has 48 hours to contact the aggrieved party either IN WRITING of IN PERSON. Ally FAILED AGAIN.
ALLY 's XX/XX/2017 letter ( XXXX ) was not MAILED until XX/XX/2017 and not received until XX/XX/2017. The 72 hours expired XX/XX/2017. Mailing did not occur until BEYOND THE LEGAL TIME FRAME CA law violated AGAIN.
4 ) Violated the California Fair Credit and Debt Collection Act ( Rosenthal Act ) CCC 1788 et seq. ( 1788.1b, 1788.17, 1788.32,, the FDCPA : U.S.C. 1692 et seq.
" The FDCPA broadly prohibits a debt collector from using 'any false, deceptive, or misleading representation or means in connection with the collection of any debt. ' i.e. Ally had no intention of honoring the verbal agreement, violating both the Rosenthal and FDCPA.15 U.S.C. 1692e. '' At no point, did Ally make any o f the REQUIRED notifications as stated above.
At no time did Ally inform me about my rights to challenge " validate '' the debt.
At no time did Ally inform me I had the right to ask Ally to 'validate '' the debt.
Ally provided false information both in writing and verbally. Ally letter XXXX, claimsan unpaid balance of {$31000.00} the same amount PRIOR to my payment of {$1800.00}. Ally never never corrected the accounting.
ALLY has conspired ( PC 182 ) to and committed Grand Theft ( PC 487 ).
|
| 09/30/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
I had leased a XXXX in XXXX for 1 year. The lease was then transferred ( thru GMAC ) to another person. XXXX is his first name.
I was Never Late on this car, the lease was transfered thru GMAC ( {$500.00} paid by XXXX to do this ) into his ownership. I do n't know what happened at the end of the lease in XXXX, but this tradeline is being reported on My credit report, AS charge off, XXXX balance, derogatory account. Also lates are being reported on me in XXXX! XXXX, on a closed account for a vehicle I have n't owned since XXXX.
This erroneous reporting is causing my credit scores to plummet, in turn causing my credit cards to close my accounts or slash my limits. Which then causes my scores to go even lower. This is turning into a viscous domino effect, I am pleading with banks that this is an error, however it does n't matter to them. They see derogatory language and scores dropping, and shoot first..
I have disputed this XXXX with XXXX, only to have GMAC respond by saying it 's valid. Scores continue to go lower. I have tried in Vain to get thru to GMAC, XXXX call centers, multiple transfers, no one ever calls you back. Request a manager same thing, the runaround, ask for an email, same thing the runaround.. Tell them that I am getting a letter a week from my creditors cutting or closing my accounts while they do nothing ... Does n't seem to have any impact.
My XXXX XXXX XXXX scores have plummeted because of this errouneous reporting of someone else 's credit tradeline on my report. Fair credit Act violation number XXXX ...
Thru my credit report I can see an account number and account that does NOT belong to me. violation # 2Because I am in the XXXX, I have XXXX of how the credit system works. I pulled my own XXXX credit report, thru my company to confirm this incorrect tradeline. Every year we must renew our state licenses in any state we do business in. XXXX of those states Florida also does a credit check, as we are held to minimum standards in or to stay in business, and earn a living. This renewal period is fast approaching, and If I have any trouble renewing my license this error will also be affecting my income. Fair credit reporting Act violation # 3Again I hate to go this route but have gotten NOWHERE with GMAC and Experian disputing this faulty information. This is a very simple explainable situation in the right persons hands. This GMAC tradeline in which the account number XXXX is XXXX ( the person the lease was transferred to ) account. REMOVE THIS INCORRECT DEROGATORY account from my credit report IMMEDIATELY!!!!!!!!!
I am very patient and have a long fuse, but this situation is getting out of hand. I am absolutely the last person you want to screw with on this matter. I am a bank loan officer who looks at credit every day all day for borrowers, Not some schmuck uninformed retail person caught in the cogs of the machine.
I expect to hear back on this immediately. I can provide you a professional credit report on myself showing this incorrect tradeline. ( Again someone else 's derogatory Personal information ) on my credit report. I have not owned this vehicle since XXXX, yet XXXX is strangely reporting me late last month, on this closed ( since XXXX ) account ... ... Total non-sense..
I want this deleted Immediately, Electronically,, asap before any more harm is done to my credit or credit lines ... I will be more than happy to discuss this matter with anyone of authority from any of these places. GMAC is 100 % in the wrong here, not only on their sloopy reporting, but their lack or corrective measures once they were made aware of this inaccuracy. My cell XXXX am having financial issues with all my banks and credit cards, due to faulty reporting.This is a huge pain in the XXXX, and every resasonable attempt I have made to resolve this goes NOWHERE.
|
| 08/01/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
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Web |
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I will attach a detailed letter describing the fraudulent car sale involving XXXX XXXX XXXX XXXX 's employee ( s ) XXXX XXXX & Ally Financial. XXXX of XXXX, XXXX 's former employee ( s ) held 1-day tent sales at the local XXXX parking lot. My son was shown a 2011 Chevy Aveo & was offered {$7000.00} for his 2002 Chevy Silverado. They advised my son to test drive the car overnight & come back in the morning. During the tent sale, XXXX employee were having trouble getting my son approved for an auto loan suggesting he take the Aveo home overnight & come back in the morning. He was also advised to leave his 2002 Silverado at the XXXX parking lot. That night, the Aveo overheated once it would reach 40mph. We immediately contacted XXXX salesman whom advised us to contact XXXX XXXX in XXXX in the morning. The next day, we drove the XXXX back to the XXXX only to find the tent sale & cars gone as well as our 2002 Silverado was gone. We contacted XXXX, the salesman from the tent sale who then identified himself as living in Indiana & was only there under contract to help XXXX XXXX XXXX sell cars & we would need to contact XXXX Used Cars Dealership. For weeks we were given the run around from XXXX 's. We continued to contact XXXX from Indiana whom was no help assisting us in getting our truck back & the Aveo returned. XXXX called us a few weeks later in XXXX requesting we pay more money to secure an auto loan & pay MI sales tax. We were confused because Ally mailed us a letter claiming they denied approving my son for an auto loan.
Later in XXXX, Ally mails another letter informing us that they Ally & XXXX XXXX of XXXX changed the terms & conditions of a loan. We contacted XXXX again whom advised us that the form we signed during the tent sale giving them approval to run our credit reports were used so to enter Ally & XXXX into new terms & conditions of a loan between them which of, Ally has refused in three years to provide us with the details of the loan terms. XXXX advised my son to make monthly payments of {$290.00} for 3 years beginning XXXX of XXXX. By XXXX, the car was taken to XXXX XXXX XXXX XXXX service center and again in XXXX whereas XXXX had possession of the car more than we did. We were advised to come pick the Aveo up claiming all service work was completed then soon after in XXXX, XXXX of the XXXX XXXX XXXX XXXX XXXX closed down due to their fraudulent car lot tent sales. My son has since paid the Aveo off paying over {$12.00} grand for a {$6500.00} car. Ally claims my son does n't have an auto loan with them but owes them over {$10.00} grand more for the original loan they Ally & XXXX XXXX XXXX changed without our knowledge in 3-yrs. XXXX XXXX of XXXX my son & the Aveo were involved in auto accident totaling the Aveo. Ally Financial has refused to answer requests now from the State of MI Insurance & Financial Serv., XXXX XXXX Claims depart involving the Aveo claim. XXXX XXXX ca n't make payment to Ally if Ally is claiming they do n't have an auto loan with us. So whom have we been paying and what terms did Ally change without our knowledge in 3 yrs? My son was discriminated against for being a young XXXX whom did not have credit because he was just XXXX & Ally Financial has caused financial injury to my son 's credit & preventing him from buying a new car to replace what he just lost. A Class Action Settlement was reached between the federal government & Ally Financial for their fraudulent car sales, fraudulent lending practices. My son is a victim of the same crimes he just was n't included in the current settlement suit. We are pleading for a resolution & for Ally Financial to be held accountable for their fraudulent actions including & involving XXXX Used Sales, XXXX XXXX.
We pray for your protection so to prevent further injury Ally Financial is causing.
|
| 07/29/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
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Web |
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On XX/XX/XXXX I went to an ATM ( XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX Terminal XXXX ). I attempted to withdraw {$100.00}. The machine made a funny, sputtering noise and the cash dispensed slowly. I was able to grab {$20.00}. It was not dispersed at the same time as the rest of the money, which I saw fall down into the machine. I was able to reach my hand in up to my thumb crease, trying to grab the rest of the money, but it had fallen down too far. In subsequent uses of different ATMs, I have noticed that there is no such gap between the dispersal mechanism and the inside of the machine, thus there is no way for money to fall into the machine or to reach inside the machine. This suggests the ATM I had an issue with was set up in a faulty or fraudulent manner.
I immediately contacted XXXX XXXX and left several messages. I also contacted my bank ( Allly Bank ) from which the money was withdrawn and let them know what happened. They started a dispute for me. The following day, XXXX XXXX texted me and told me that there was no problem with the machine and that I should contact my bank. They refused to answer any follow-up messages from me. They did not bother to ask me what had happened and had no way of knowing that I was complaining about a mechanical malfunction with the machine.
I talked to Ally several times about the dispute. Each time it was clear that they had not noted that I was complaining about a mechanical issue. They finally closed the dispute, citing against me on XXXX. XXXX, XXXX. After discovering this, I called Ally and let them know that I would be leaving the bank, after being a customer for over a decade, if this manner was not resolved in my favor. The Executive Customer Service person I spoke to on XX/XX/XXXX, XXXX, was exceedingly rude and suggested I had been lying about the matter. It was also obvious that he was not familiar with the details of the case, as he was initially unaware I was complaining about a mechanical issue and not one that would be detected by normal ATM accounting. He also cited the amount I made a claim for incorrectly - he stated I was claiming {$100.00} when I was only claiming {$80.00}, since I had managed to retrieve {$20.00} from the ATM. At the end of the conversation, I asked him for the documentation they used to deny my claim. He said he would send it. I discovered later, in a follow-up call to Ally on XX/XX/XXXX that he did not actually send it. In the follow-up call I spoke to a customer service manager named XXXX. She said she noticed that the documentation had not been sent out and promised to have it to me within 10 business days. I did not receive the documentation until last week and according to the postmark, was not sent out until XX/XX/XXXX. The documentation itself does not indicate anywhere that someone actually looked at the machine to see if there was money inside or if there was a mechanical failure.
I am submitting this complaint against both the ATM management company and Ally Bank for failing to properly investigate my claim. I also believe the ATM management company, XXXX XXXX ATMs should have all of their ATMs reviewed very closely for similar issues. It should not be possible to drop money inside an ATM and the fact that they were unwilling to talk to me about what happened is incredibly suspicious.
Ally Bank is also at fault here, as they did not properly investigate my claim and also did not respond to my requests in a timely manner. The evidence they provided as a reason for denying my dispute did not actually prove that I was incorrect - I never stated that the money wasn't disbursed, just that it was done so in a manner where I was unable to actually grab hold of it. Instead of asking for proof of machine servicing, they just accepted whatever documentation XXXX ATMs gave them.
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| 09/01/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
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Web |
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I am writing this letter as a complaint in regards to misinformation I 've received from multiple representatives and management at Ally Financial which has caused me to become behind on my account, accrue late fees and receive a negative mark on my credit. I decided that I no longer need the mechanical protection package that I purchased on my vehicle so I called that company to cancel it. I was told that since there was a finance company holding the lien, the money they refunded in the amount of {$3000.00} would be sent to the lien holder. I was paying my payments about 15 days past the due date due to how my paydays are set up. I confirmed with XXXX that the funds were sent out XXXX/XXXX/15. I called Ally that day to inform them. I spoke with a woman and requested if the funds could pay the payment that was due which was XXXX/XXXX/15 and the rest be applied to principal and the late fees. She advised me that it would all be posted towards payments. She asked me to follow up XXXX/XXXX/15 to make sure the check was received. I monitored the account that week and saw that the payment posted XXXX/XXXX/15. It showed my account with the next due payment of about {$300.00} for XXXX/XXXX/15. I felt relieved that everything was completed in a timely manner. I decided to check again after the weekend onXXXX/XXXX/15. To my surprise the funds were reversed and reposted all to principal and I was due again for XXXX/XXXX/15 showing {$1700.00} due. My stomach dropped because I had already used the funds XXXX/XXXX/15 to get ahead on other bills. I immediately called at XXXX CST and spoke with a female rep who stated everything was ok, and that in her system I was due for XXXX/XXXX/15 for about {$300.00}. She said everything was fine and I did n't have to worry. Then, XXXX/XXXX/15 at XXXX CST I received a collections call. I returned the call a few minutes later and spoke with a female rep who looked at my account and told me I was past due and that the funds were posted to principal because of some partial payments in the beginning of my loan. I explained that was n't the case. She insisted on that theory so I requested to speak with a supervisor. I sat on hold somewhere between XXXX minutes, which was also frustrating due to me being at work during this call. I spoke with a supervisor named XXXX who took a quick look at the payment history and said the funds did n't post to the current payments because of the due date change in the beginning of my loan where I made a partial payment then the extension I did in XXXX 2015. I explained to him that XXXX as well as XXXX and my understanding on extensions is that the payments that are extended are placed at the end of the loan, so there 's no way these funds should pay for payments that technically are n't due yet. He agreed with me and took a closer look. He then said he 's not sure why this happened and would have the funds reposted to my payments and explained that I would have a next due of XXXX/XXXX/15 when it was completed for about {$300.00}. He said it would take a few days to be completed. I then received another collections call at XXXX EST and I returned the call at XXXX CST. I advised the rep of my call with the supervisor and they claimed to not see the notes. I immediately requested a supervisor because now I felt I was being given the runaround, not to mention I work in a call center and was having to leave the floor to return these calls. I was transferred to a XXXX who apologized stating he did n't see the request in the system by XXXX to repost the funds to my payments. He assured me that he would have it taken care of and that it would take a few days. He said that he would note the system and stop any collections calls during this process. I continued to monitor my account. On Tuesday XXXX/XXXX/15 I noticed that
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| 12/21/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
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Web |
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I am writing to you because of some concerns that I currently have with Ally Bank. In XXXX, I purchased a XXXX XXXX XXXX XXXX truck. I was working full time and I had a part time job as well. In XXXX, I was laid off from my full time job that I had since XXXX. I still had my part time job and I received a severance check which held me over until I received another full time job within the same organization as the part time job. That full time job did not come until XXXX.
In XXXX, due to operational changes within that dept. and the organization, I lost that full time job as well. I again, received a severance package and in addition to getting extensions on my auto loan, was able to make payments on time and keep the account in good standing. I again, got a full time job in XXXX but by that time, had almost exhausted all funds from the severance check. I kept my auto loan in good standing until XXXX which is when I tried to catch up on other bills that I casted aside to keep my auto loan in good standing. When I called Ally at towards the end of XXXX to get XXXX LAST extension, they said that I had used all extensions and that I did n't qualify for any more this year ... AND all I needed was XXXX more to keep the account in good standing, avoid all of the late fees that my account has incurred since then and to avoid the situation that I 'm in now! Ever since XXXX, I have made consecutive late payments, some greater than 30 days, all while trying to pay off student loans and trying to keep my other bills current. I have made Ally my biggest priority, but as of the past month, I have not been able to catch a break from them! Fast forward to XXXX XXXX, XXXX. I have had at least XXXX5 phone calls a day for the past month and that 's after I have called Ally myself to explain my situation and to make payment arrangements. I have not changed my story as to why I have made late payments since XXXX and the customer service representatives have continuously notated it in my account since that time. On XXXX XXXX, XXXX, I received 3 phone calls from Ally Bank- XXXX at XXXX, another at XXXX, and the last XXXX at XXXX and that call was the most alarming. A customer service rep by the name of XXXX, left me a message asking me to return the call at my earliest convenience. I could n't make out the number that she left in the message so I called the number that showed up on my phone and was transferred to her line. After continuous notes in my account about the payment plan that I had setup and why the account was late, XXXX asked me the same questions and I told her the situation and what I could do and by when! Well that was not to her liking and she told me that I did n't have any other options but to pay {$320.00} or have the vehicle repossessed. In XXXX, I was told by a customer service rep that if I missed XXXX payments, the vehicle would be repossessed. I have missed XXXX payments and by XXXX XXXX, XXXX, which is when I told them I could make a payment of {$450.00}, would cover XXXX 's payment which I paid {$100.00} towards on XXXX XXXX, XXXX. I also told them that I would have the account current by XXXX XXXX, XXXX. XXXX told me that XXXX XXXX, XXXX would be too late to do anything and that I had until XXXX XXXX, XXXX to make the {$320.00} payment or they would take the car back. Here I am trying to make ends meet and make things work with Ally and they wo n't cut me a break. A company that received $ XXXX in government bailouts is threatening me to take back the vehicle if I ca n't make a payment of {$320.00}. They have completely ignored the good standing my account was in until XXXX. I never had a missed or late payment and now they are harassing me every day it seems like! All I 'm asking is that they at least give me until XXXX XXXX, XXXX to make the {$450.00}!
|
| 10/10/2021 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively . My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that under no condition am I making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX XXXX XXXXXXXX Fair Debt Collection Practices Act : XXXX : XXXX CREDITOR CONTACT INFORMATION : Ally Financial XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX ( XXXX ) XXXX 1 ) Ally Financial maintained this account, although any collection process on a vehicle lease is no longer valid.
2 ) The account has passed the necessary timeline to be maintained on my credit report.
3 ) All files held by Ally Financial must be purged, and any reference to such credit listings must be deleted from XXXX, XXXX, XXXX XXXX and XXXX respectively.
Please be advised that this is not a dispute, but a request to review the above listed tradeline, collection or item of public record. I realize that your job as a subscriber to the affiliated credit reporting agencies is a valuable service to the credit community, but as there are over XXXX, ( XXXX ) individuals just in the United States alone that depend on fairness on credit reporting, and mistakes do happen. At no time consider my objective to be a dispute against any of the bureaus, XXXX, XXXX, XXXX XXXX and XXXX respectively. I believe all medical collections if applied against me, should be removed without exception. However, I will negotiate any of those encumbrances if the collection is legal on its merits. I also request the deletion of tradelines if any prior payment histories have been removed or cut from my credit bureaus. In most cases, the 84-month timeline is valid, and my account, if showing a late payment within that 84-month timeline means under FCRA that the account should be removed, or if still a current account, brought to positive status. I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act by-laws as mandated. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX XXXX
|
| 01/15/2018 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem with fees or penalties
|
|
Web |
|
|
5+ years ago I opened a 5-year CD with Ally Bank . In XXXX, Ally automatically renewed by CD for 5 more years and did not give me advance notice that this was going to happen. Now they want an early withdrawal penalty equal to 150 days of interest, and want to deduct 105 days of it from the principal because it 's only been ~45 days since they auto-renewed it. This amounts to $ XXXX.
I called them on XX/XX/XXXX telling them I did n't know they were going to auto-renew it and that I did not want that to happen. They told me that on XX/XX/XXXX they sent me a notice telling me this would happen. I logged into my account ( on my XXXX phone through the Ally Bank app like I typically do ) and looked through both the secure messages section and statements section -- there 's nothing from XX/XX/XXXX. The phone agent told me I should have gotten an email telling me that I had received a notice, which upon searching my email I found ( it probably got filtered to the " Promotions '' section of my XXXX or something ). The email is as follows : Subject : " You have new correspondence in online banking '' Body : " To view your correspondence log in at ally.com and select More. Then choose Notices. '' So I went back to the app and there is no " More '' button or " Notices '' section. I then opened the web browser on my device and signed in to ally.com - here, there is a " More '' section, but it does not have a " Notices '' section there, nor is there a Notices section anywhere on the site. The phone agent then explained that I needed to access it from a laptop or somehow trick the website to give me the desktop version of the site by configuring my browser to pretend it was a laptop computer. Long story short -- both the mobile version and the website when accessed from a mobile device do not show this " correspondence ''.
The statements that I *can* access from the mobile app and website do show my CD, but they also do n't mention that the CD was going to auto-renew. I also got an email when the CD matured as follows -- it made it sound like the CD was not going to auto-renew and that renewing was optional ( it only says that the loyalty bonus was " automatic '' ) : Subject : " Notice : Your Ally Bank CD is maturing '' Body : " Your CD is maturing soon.
Here 's what you should know.
Dear XXXX, You recently received a CD maturity notice that provided important information about at least one of your CDs. If you renew your CD at maturity into any CD term, we 'll automatically add a loyalty reward of 0.05 % to your new rate.
Your Ally CD that is eligible to receive a rate increase : CD Account Number CD Type CD Term Maturity Date XXXX HYCD 60 months XXXX XXXX, 2017 Here 's what you need to know : Your 0.05 % rate increase will be added to your new CD 's rate after the Ten Day Best Rate Guarantee period to ensure you maximize your earnings with us. This means if our rate goes up for your term and balance tier within ten days of opening your account, you 'll get the better rate.
The loyalty reward at renewal is automatic, you do n't have to do a thing.
Any money you add at renewal receives the increase too. Plus, you can renew into any CD term we offer.
You can manage your renewal online by logging into your Ally Bank account and selecting Manage CDs from the Main Menu Menu, or just give us a call.
Thank you for your continued loyalty with Ally Bank. '' Besides not being aware that the CD was going to auto renew, Ally renewed it into a CD with a much higher early withdrawal penalty. The original CD had a 60 day penalty, but the new one had a 150 day penalty -- 250 % more -- and because the rate they renewed me into was 75 % higher, the early withdrawal penalty is $ 1100+ even though the early withdrawal penalty under my old CD 's terms was ~ {$300.00}.
|
| 09/08/2015 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Web |
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I opened a checking account and a 0.99 % interest savings account with Ally Bank because they said their savings compounded daily. I received an email from them that I had been verified, which means my information checks out and they took money out of my personal checking account to fund the XXXX accounts I had opened with Ally Bank. I also sent a email to them using their own site asking them if they could change my mailing address to a XXXX Box I 'm renting and gave them the info for that. Then they blocked my account. I called them and they said my accounts were considered fraudulent and I had to send them more information. They gave me the number of someone who works in their loss prevention department named XXXX over in Texas. I called him twice and left a message XXXX times and nothing has come from that. His number is XXXX. I have sent an email to Ally Bank through their website expressing my disappointment with how their Bank does business. I called before XXXX holiday and talked with another person from Ally Bank and told them I had reported Ally Bank to the Federal Trade Commission and the resolution I want is my money back and for my accounts with Ally to be cancelled and they better not have done a credit check on me. It is now XXXX XXXX, the day after XXXX XXXX. I called again just now and talked to someone on Ally Bank and gave them all of my info again ( I do this every time I call ) but they still wo n't unblock my account and this time I got hung up on probably when the guy put me on hold he did it wrong. Or perhaps they just want to rub it in. Basically I thought I was getting a good deal because my personal savings account offers 0.10 % interest rate but Ally Bank verified me, took my money, and then declared me fraudulent. So how do I get my money back??? I already passed their verification test and they sent me an email saying they were sending me a signature card to sign in the mail. So if they could in fact not verify me why did they transfer the money? Now they wo n't give it back. They ca n't operate this way. My financial institution where my personal checking and savings are with has agreed to dispute the transfers to Ally Bank so I 'll be going in later to fill out paper work. Also when filling out the online application for Ally Bank after ward it asked me questions about my credit report. That was weird. I was never told at any time during the application process my credit would be checked. I asked a person when I called Ally Bank but they did n't answer my question. If Ally Bank did check my credit without telling me I will be unhappy about that and they need to take that off my credit reports if they did and put a statement on their website that says they check credit reports when signing up. I signed up with a different online account just for savings a few months ago and that online savings account does not do not do credit checks of applicants so I was expecting the same thing from Ally Bank as they have no statement about credit being checked when applying for any accounts. Also on XXXX, yesterday, I received an email from Ally Bank saying I have a secure message from them and to sign into my account. I ca n't I tried again but because they believe my account to be fraudulent and they want me to prove I am who I am. If they believe my account to be fraudulent then why are they sending emails to me to log into my account? Something is not right, Ally Bank is screwing with my personal info and my money. After typing up this report I tried to sign in again with Ally Bank and my account is still blocked. So I 'm figuring the guy I talked to 56 minutes ago really did hang up on me on purpose. All of this nonsense for a total of {$20.00}? Really? That 's how much I setup to be transferred in total to Ally Bank.
|
| 05/31/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
My husband and I have had joint bank accounts with Ally Bank for approximately 5 years, including 1 checking and 2 savings accounts. As of XX/XX/2018, Ally Bank has been holding our money hostage for 9 days. Due to a potential security breach, our accounts have been frozen since XX/XX/2018. We now have no way to pay our mortgage, student loans, car payments, credit card payments, insurance, etc. Several of our bills are now past due, making us appear to be irresponsible borrowers. We have called Ally 's customer service and loss prevention departments several times, but they keep giving us the run-around. When we've asked to speak to the retention department or a supervisor, or to have the problem escalated, they've told us they " don't have access to that information. '' It's absolutely asinine. The way this is being treated is completely unacceptable. We feel we have exhausted every resource with Ally Bank and now we need outside help. Detailed information about the issue below.
XX/XX/2018 : My husband ( XXXX XXXX ) tried to use his XXXX debit card at a gas station pump. The transaction was declined. Worried that maybe his paycheck hadn't deposited, he tried to log into the app to check our account balance. It wouldn't let him log in. When we called Ally 's customer service number to find out what was going on, an employee told us that someone had called in impersonating my husband, trying to gain access to our account, so they locked out our account. The employee wouldn't give us any further information, but told us it would be researched and that someone would contact us within 2 business days to resolve the issue. ( That would have been XX/XX/2018. ) He told us that most likely, we'd be issued new debit cards.
XX/XX/2018 : By the afternoon of the deadline they gave us to call us back, no one from Ally had called either of us. We were concerned we might have to wait until after XXXX XXXX to hear from someone, so my husband called Ally. He was told a woman named XXXX from Loss Prevention would be handling our case. She told him she was working on it and would have it resolved, soon.
XX/XX/2018 : Having not heard back from the bank ( XXXX XXXX weekend ), I tried to call XXXX, but she appeared to be skirting my calls. The employee who did answer gave me a really hard time and was hesitant to provide any information to me. She finally told me that Ally was in the process of creating new accounts for us, which should take an additional 1-2 business days and that new debit cards should be mailed within 3 business days of that. I told her that would leave us without access to our money for 13 or 14 days, which was unacceptable. She told me that's just the way it is.
XX/XX/2018 : I called again for an update as we had not heard back from Ally. They told me our case had been transferred to yet another person/department and that they had no further information for us.
These are the dates and times I have called Ally in regard to this issue. I don't have the list of times my husband has called them.
*NOTE : ALLY HAS NOT CONTACTED MY HUSBAND OR ME AT ALL. XXXX XX/XX/XXXX, XXXX ( Customer Service ) XX/XX/XXXX, XXXX ( XXXX in Loss Prevention -- wasn't in yet ) XX/XX/XXXX, XXXX ( general loss prevention number ) XX/XX/XXXX, XXXX ( loss prevention -- had to call back in a 3 way call with my husband because they wouldn't give me the information I needed. ) XX/XX/XXXX, XXXX ( general loss prevention number ; they referred me elsewhere ) XX/XX/XXXX, XXXX ( Customer Service -- I asked to speak to the retention department, but they instead tried to get me back in touch with the LP people who aren't helping. ) XX/XX/XXXX, XXXX ( XXXX in Executive Care -- left voicemail ) XX/XX/XXXX, XXXX ( general Executive Care number -- no one answered )
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| 07/27/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem making or receiving payments
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Web |
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Ally Bank has customer service that is very disconnected and unknowledgeable about the basics in flowing a dispute to the right direction.
A check was first wrongfully taken by Ally Bank at an ATM, and failed to return the check. XXXX XXXX has already resolved this and wrote me a cashier 's check.
But because of a dispute, I brought up with them because Intuit paid a bill of mine to XXXX .... through Ally checking account. I had a three-way call with Ally and Intuit and explained very clearly " Intuit did pay this, but only because the bill was accidentally taken care of, instead of the REMINDER it was only supposed to create. '' After this was clearly stated on phone with two representatives, ... Ally still saw this as " Fraudulent '' and closed the account. After all that explaining, and what I thought was an effective use of customer care, and letting them know this is me. They do n't care about anything going on at the moment. As soon as I contact them again, it 's like I did n't have any request or agreement with them at all. ... ... They take the next action they want, even if lied to me.
All of this has taken at least 4 hours on the phone of my time, not to mention the most important things. Since ALL of these delays ( Ally has caused weeks worth of delays in the few months the account has been opened ). Because of this, I risk paying off my credit card in time, and other various bills.
Each time I have talked to Ally, there is no connection to the last conversation. I have to almost beg, find mindful ways, guide them, hold their hand to the right sources to help me. The attitude is very " Well what do you want me to do :? '' After explaining to them my problem, and clearly, they make me waste so much time that I wonder how much money I am losing by the minute. Not to mention the stress.
On the last conversation I had 2 days ago, XXXX XXXX sends me this email shortly after we agreed on the phone exactly what I wanted, for my account to be kept open, and the dispute dropped because everything was fine now.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - " Dear XXXX XXXX : In support of our commitment to quality, I am emailing you in regard to your new account application. We have been unsuccessful in our attempts to contact you by phone.
If you would like to discuss this further, please contact me at the Executive Resolution Group, XXXXXXXX, Monday through Friday, XXXX XXXX to XXXX XXXX Eastern Time or Saturday XXXX XXXX to XXXX XXXX. Eastern Time.
Questions?
We 're here to help, anytime. Just call XXXX ( XXXX ) 24 hours a day, 7 days a week. You can press " 0 '' to reach a Customer Care Associate immediately.
Sincerely, XXXX XXXX Executive Resolution Specialist | Ally Bank Deposit Operations " '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - An email totally disregarding everything every person has talked with me about, and how I wanted everything resolved. But not just that, they SAID notes would be taken and seen, nothing. And that two days later, the account would be left open, and the dispute dropped, money free.
Contacted them for the 5th time today, same deal. They closed it.
.
This company each time calling has shown ... .. no one is taking notes ... no one cares to fix this .... and each representative has such a MINIMAL knowledge of the bank and how its inner workings are .... This is a far cry from the quality 10 years ago in banking.
What 's funny is ... .. each time Ally has wronged me ... .. they never failed to take the money. They sure took the check into the account when they knew they were closing it, but now is sure gon na give me a hard time taking it out, and transferring it DIRECTLY into my Aspiration account. {$180.00} This is where the resolution kicks in.
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| 08/07/2023 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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Web |
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OnXX/XX/2023 I was coerced into sending XXXX XXXX dollars ( {$2000.00} ) to a XXXX account of a user I did not know. Again, on XX/XX/2023I was coerced to send XXXX XXXX dollars ( {$2000.00} ) to another XXXX account of a user I did not know. On XX/XX/, I submitted two ( 2 ) XXXX transaction disputes via my financial institution : Ally Bank.
On XX/XX/, I called my financial institution and kindly informed them that I could not access my account and that I needed to access my funds in order to pay my rent and bills and bills on time. I was told I would receive a call from an investigator.
On XX/XX/, I followed up with my request. I was told I would receive a call from an investigator.
OnXX/XX/2023, I received a phone call by the women who coerced me into sending money and was threatened to be " sued '' and " XXXX '' if I did not cancel the XXXX disputes.
OnXX/XX/2023, I cancelled the disputes purely out of fear. I was told I would receive a call from an investigator.
On XX/XX/, I disclosed this information to my fianc who informed me that it is necessary to call the bank back, let them know I was threatened, and to reinstate the disputes. My fianc and I called Ally Bank several times. We were told we would receive a call from an investigator. That evening, I purchased a XXXX XXXX account in an effort to protect my personal and identification information.
On XX/XX/2023 I called my bank multiple times to follow up with the disputes. Each time I was told either ( A ) there is no information that they can provide me at the moment; or ( B ) I would receive a call from an investigator. I called my bank later that evening and was told that my funds could be transferred to my XXXX XXXX account which was linked to my Ally Bank account so that I can pay my rent and bills. After multiple phone transfers, I was told that they could not help me and that I must wait.
On XX/XX/, I received a notification from XXXX XXXX alerting me of someone attempted to open an account and/or a transaction with XXXX. I immediately called and informed them that it was not me. I also discovered on that day that someone opened a credit card with XXXX XXXX XXXX XXXX under my name with my identify/personal information. The date the credit card was opened was on XX/XX/. I did not open this credit card and did not authorize anyone to do so on my behalf. I am not an existing customer of XXXX XXXX XXXX XXXX. I notified XXXX XXXX XXXX XXXX of the account being unauthorized. Later that day, I filed a report with the Federal Trade Commission. I called my bank and provided them with the report number.
On XX/XX/, I filed a police report and called my bank to provide them with the information.
Today, I received a phone call from XXXX XXXX informing me of suspicious activity being made with an account associated with my social security number. The date the account was opened was on XX/XX/. I did not open this account and did not authorize anyone to do so on my behalf. I am not an existing customer of XXXX XXXX. I notified XXXX XXXX of the account being unauthorized.
Throughout this time, I made a conscious effort to update Ally Bank of all fraudulent acts, my being threatened, and requested that I gain access to my funds to pay my apartment rent and bills.
I discovered that my financial institution " Ally Bank '' closed my bank account and that I would no longer be able to bank with their institution again.
Each time I called my bank, I kindly informed them that Ally is my primary bank account in which I receive direct deposits from my employer biweekly and I use that account solely to pay for my bills. I have been charged with numerous late fees, angry phone call from my landlord, and could possibly be served with an unlawful detainer because of this.
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| 04/02/2016 |
Yes |
- Consumer Loan
- Vehicle lease
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- Taking out the loan or lease
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Web |
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Dear Sir or Madam : I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received.
This item Ally Auto Fiancial is inaccurate because of the following reasons ; Kindly take a moment to review the enclosed copy of the letter sent to the above named agency on XXXX/XXXX/XXXX, which they have yet to respond to. As illustrated in such letter addressed to Ally, I am being held responsible for a balance I am no longer responsible for due to negligence on their behalf in many dimensions.
To begin, the mentioned XXXX Mazda 3 vehicle purchased at XXXX XXXX XXXX in XXXX XXXX was financed through Ally. Ally and the assigned financial agent at the auto dealership had me return to re-sign the purchase agreement documents twice after the initial contract/taking the vehicle out of dealership grounds. Making it a total of 3 times Ally required me and my cosigner to return and redo the financial agreement paperwork.
As a professional and experienced lean holder, Ally failed to ensure the vehicle was appropriately insured XXXX continuous times before removing the vehicle off of the dealership grounds. As a first time car buyer, and as a guarantee to the lean holder, it is in their policy to make sure I the buyer obtain appropriate insurance coverage before even signing the finance documents and take the vehicle home. Ally failed to do this XXXX consecutive times.
On XXXX XXXX, XXXX I was involved in an automobile accident on the XXXX XXXX of XXXX XXXX. and XXXX XXXX XXXX. in XXXX XXXX XXXX, FL at approximately XXXX.
This event occurred when an unconscious driver rear ended my and XXXX other vehicles at a recorded approximate XXXX-XXXXmph while at a red light. Causing my vehicle to be declared at a total loss per XXXX XXXX XXXX XXXX appraiser. ( insurance carrier of at fault driver ) Following the hospital visit, of which event has left me with XXXX in XXXX and XXXX in my XXXX, the claim process began where because of Ally 's negligence to perform typical procedures as a lean holder, the Gap insurance Ally insisted I obtain at the XXXX signing, did not serve its purpose, leaving me with a {$15000.00} debt now affecting my personal credit.
The reason why this should not be held against me is because Ally failed not only to ensure the vehicle had proper coverage but they failed to submit appropriate financial agreements 3 times as well as the main issue here which was surrendering the vehicle and title of ownership to XXXX XXXX XXXX XXXX despite my request for Ally NOT to do so because this agency was not paying the car loan. I stated that I wanted to get the vehicle fixed with the monetary compensation of {$7000.00} towards repairs/loan balance, and I would continue paying my monthly car payments. I strongly emphasized that the insurance adjustor XXXX XXXX from XXXX XXXX was not performing his job with integrity and that he was not to obtain any releases for the vehicle nor the vehicle title because he was not paying out what was owed and I did not want to be left with the remaining debt. I clearly stated " do not release the vehicle nor the title, I will get the car fixed and continue making payments '' Despite my strong and clear emphasis, Ally failed again, and released the vehicle title and vehicle to XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXX .
In addition to this, legally, per insurance fraud special investigation unit consultant ( name of agent available upon request ) I did not own the vehicle nor did I have title rights, therefore Ally acted at their own judgement as sole owners of this vehicle. What XXXX XXXX XXXX did in efforts to obtain this vehicle on behalf of his employer and ultimately sell it at an auction was unethical, and illegal. Hav
|
| 03/12/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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On XX/XX/XXXX I scheduled an online payment through Ally 's online portal for the full balance of my loan at that point {$17000.00}. On XX/XX/XXXXthe payment was updated and showed up as paid in full in my online account. After my account was updated online on Tuesday I requested a loan satisfaction letter and the lien release documents to be sent to me as soon as possible, they told me that since my payment was made online there is a waiting period of 10 business days before they can release the lien, they told me that the online payment is considered a non-certified method of payment and therefore XXXX requires a waiting period. That didn't sound right to me so I looked over the law and regulations and couldn't find anything related to that statement so on Wednesday XX/XX/XXXX I sent a new request for my lien release and loan satisfaction stating that the waiting period is unfair and that they should have actual brick and mortar branches if they, as an online bank, are not considering online payments as a valid method of payment, they again responded with the same excuse about their waiting period. Friday morning I received a notification on my personal email regarding a document that has been uploaded to my Ally online account, so I logged in and found the loan satisfaction letter including the VIN number as I had previously requested but had missed my husband 's name and my middle name was missed spelled. I couldn't reach out back to them on Friday but did it on Saturday, they apologized for the typo but said that they could not send me a corrected letter because their back-office team does not work on the weekends. I again requested the lien release to be sent out to me that same day since the loan had been paid in full since Monday!. I was extremely upset since their service associates kept on repeating the same things over and over again without providing any actual help. I requested to speak to a supervisor and was offered to have my lien release documents and loan satisfaction letter with my correct name sent out to me overnight for the week of XX/XX/XXXX. Today, MondayXX/XX/XXXX I reached out again to make sure the documents were being processed but as soon as a representative started looking at my account they came back with the same answer about the waiting period and that the lien will not be released until XX/XX/XXXX. At that point, I asked where in the law does it say that the lender is allowed to hold on to liens that have been paid in full for such a long period of time. The representative told me that it is not on the law but on their procedures, so I requested a copy of the disclaimer signed by myself where they explain this " procedure '' to me, and the representative said that they don't have such disclaimer. I asked the representative if what they were doing was illegal and she answered YES.
I have been trying to get answers from someone at Ally who is actually capable of giving them and not just talking to call center staff members who have very limited training and no room to get off the script, but they refuse to get me in touch with anyone else.
As a consumer, I feel violated and absolutely vulnerable to fall prey to this predatory lending practices that are completely against the consumer, is this discrimination? am I being a victim of a robbery? The CFPB and the office of the AG should look closely at this practices and make sure that the consumers know what they are getting into when they decide to transact with this shady institution.
Now, I'm being left with a transaction that I can't conclude until these people from Ally come to terms with their procedures and decide to release the lien on my car. In the meantime, I have paid my loan in full and have no legal rights to transact with my car.
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| 10/03/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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Purchased a XXXX XXXX XXXX from XXXX XXXX, which was financed thru Ally Financial Bank in XX/XX/XXXX. Just recently, in XX/XX/XXXX or XX/XX/XXXX, the vehicle was stolen. In an attempt to file a police report, we were told that the vin number provided was not registered for a XXXX XXXX, but in fact was registered for a XXXX XXXX. In contacting the Ally Financial and speaking with the customer service and customer resolution team, they offered no assistance in attempting the resolve the issue. We told them on many occasions that a fraudulent title had been issue with the correct information and the insurance company, XXXX XXXX, needed the title corrected in order to total the car. At that time they REFUSED to comprehend or assist in any manner and CONTINUED to DEMAND PAYMENT on a car they had ILLEGALLY been charging interest and demanding payments on a vehicle they did not have a LEGAL title for. Since we could not get any assistance from the finance company, we contacted the dealer, in which they did not want to assist and advised that they were not managing the company when the car was purchased. In the mean time of trying to figure everything out, we continued to be harrassed by Ally Financial to continue make payments on the car. The insurance company would not pay off the car and we were stuck trying to figure out what to do. Consulted with an attorney, who eventually reached out to the dealer, and was advised that they were working on the issue. The dealer took almost 60 days to fix a title and we were being harrassed to pay {$400.00} for a car note, {$350.00} for insurance. When title was fixed, the insurance company totaled out the vehicle. In the midst of all the paperwork being completed, the car was found and advised to all parties. The insurance at that time did not know if they were going to total or pay out the vehicle. The contacted an " unlicensed '' appraiser who quoted the appraisal of the vehicle at {$1600.00}, which was cosmetic repairs. Throught this time, continued to fight with the Ally and XXXX XXXX becuase we could not understand how we needed to continue to pay for a car we did not have. We live on a budget and do not have extra funds to pay for something we dont have. Car was repaired by XXXX XXXX, however after a day of receiving the vehicle, the car started making a roaring sound and is NOW BACK IN THE SHOP FOR REPAIRS. Spoke to a guy named XXXX XXXX who helped in getting account caught up in good standing. He made arrangments to get an extension on the account and to also advise us that he would waive the late fees and dispute the incorrect reporting to the credit bureaus. Contacted XXXX XXXX on XX/XX/XXXX and advised us to contact Customer Care to assist in disputing the late fees and the credit report. The first initial rep said the max we could dispute is {$75.00} and I was VERY UPSET about that and transfered me to Customer Resolution who then XXXX me and my wife off. I can not understand how a company contracts services out to off shore companies to deal with US consumers and issues and can not transfer me to someone in the states. Her name was XXXX and advised that we COULD NOT AND SHE WOULD NOT dispute any late charges or the validity of the credit report that was reported during the time we had issues. We gave her the long story that we continue to haunt us and is a nightmare for us, but she could not understand and had no knowledge of how the company she works for can demand payment from a consumer who initially had a fraudulent and invalid title. What Ally needs to understand is that the contract that was signed for in XX/XX/XXXX was for me to purchase a XXXX XXXX and for them to request payments and any fees for a XXXX XXXX, but they had a title and paperwork applied for a XXXX XXXX.
|
| 04/29/2016 |
Yes |
- Consumer Loan
- Vehicle lease
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- Taking out the loan or lease
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Web |
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My name is XXXX XXXX XXXX, current address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Fl XXXX. I am filling a complaint for the past due dates reported to the Credit Bureaus from Ally Bank on account # XXXX. My credit score went from XXXX ( checked on XX/XX/XXXX ) to XXXX ( checked on XXXX/XXXX/XXXX ). This negative reports from Ally is unfair and done in error. I will explain to you what happened : I first went to this dealer ( XXXX ) on XX/XX/XXXX and I leased a XXXX Buick Enclave for 39 months with Ally Financial as the bank. My lease was about to expire and I visited the dealership on XXXX/XXXX/XXXX for a buy-out. I had a last payment of {$350.00} towards my lease due on XXXX/XXXX/XXXX but at the dealership they said that I did not have to make that last payment because it was going to be included in the new financed amount. We closed the deal and I got my new loan with Ally Financial as well. A few days later ( XX/XX/XXXX or so ) I got an e-mail from Ally Financial regarding my last payment towards the lease ( XX/XX/XXXX deal ). I called the Finance Manager from the dealership ( XXXX ) and he told that the paperwork was still in the process to be updated in their system and not to worry about it. Then a week later I started receiving calls from Ally Financial trying to collect the last payment on the lease ( XX/XX/XXXX deal ), I explained to them that I went to the dealership for a buy-out on XXXX/XXXX/XXXX and that I did make that last payment because I was advised by them that amount was going to be included in the new deal. I then called the Finance Manager XXXX again and explained to him what was going on. The calls kept coming and I went to the dealership again on XXXX/XXXX/XXXX and spoke with the Dealership Manager ( XXXX XXXX ) and explained to him what was going on. He said that the Finance Manager XXXX was not there and referred me to Finance Manager XXXX XXXX who promised to pulled my file and give me an update Monday or Tuesday next week. I spoke with Finance Manager XXXX on Tuesday and he said that by pulling my file he noticed that there was something that needed to be fixed on their end, that he was going out of town but Finance Manager XXXX was going to take care of it next day. On XXXX/XXXX/XXXX I checked my credit reports online and Ally Financial did report me. I then e-mailed Finance Manager XXXX on XXXX/XXXX/XXXX with the report copies and asked him to help me and as of today he never answered my e-mail. On XXXX/XXXX/XXXX I called Finance Manager XXXX and he said that if they were going to pay for that last lease payment that he needed to see a bill. I sent him said bill ( late fees included ) via fax to XXXX as he told me to do. It was not until someone at Ally Bank started contacting the dealership that this problem got solved ( by the end of XXXX XXXX ). They were able to finally collect that last payment from the dealership ( since they never included same in the new financed amount when the buy-out was processed ) but my credit got hurt in the process. While they were trying to collect this last payment from the dealership, they kept reporting my account to the credit bureaus as past due. I contacted Ally to try to solve this but they said than they had to report me to the Credit Bureaus because even though the payment was not suppose to come from me since the dealer 's finance department made a mistake at the time the new loan was created, I was the one liable for the account.
I want Ally to correct the information reported to the Credit Bureaus and also, if possible, send notices of corrections made to my credit report to anyone who received it in the last six months including myself. I care very much about my credit and has always fulfill the debt obligations I have gotten into.
|
| 04/02/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
Servicemember |
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XXXX XXXX XXXX was purchased at XXXX XXXX in XXXX, Maine on XX/XX/XXXX by XXXX and XXXX. Payments have been made on time to Ally Financial in XXXX, XXXX. See attached file. XXXX makes payments over online account through Ally on the XXXX of each month. When logging on to make XXXX payment she was notified that her car loan had been paid in full at the dealership. See attached file. XXXX called Ally several times to confirm there was no mistake and to find out why the loan had been paid in full to which they stated it was paid at the dealership and the title had been sent to that dealership and couldn't release anymore information but, that she would be receiving an over payment check in the mail within 30-40 days and that the title was sent to the dealership. XXXX did not find this odd as she had spoken to an employee in the service dept. earlier that week regarding the motor and the warranty of it because the motor had just blown.They were going to check to see if it was covered under warranty or not. She thought that it must have been covered and that her local dealership had paid it off. She then tried talking to someone at the dealership several times and they were not sure as to what she was talking about and claimed that they had not paid it off and yet, the bank insisted that they had. XXXX went to the dealership where she had bought the XXXX to pick up the title because the bank said they should have received it already. The dealership claimed they knew nothing about yet, they would try to find out where the title was. XXXX XXXX contacted the bank and found out that Ally had signed the title over to a dealership in New Jersey and that they now held the title and they would not disclose any more information about it to XXXX. XXXX went home and logged into her Ally account to make sure it was still paid in full to which it was. Now, Ally realized a mistake had been made and that they had sold XXXX XXXX and XXXX XXXX car and signed over the title to a dealership in New Jersey. Ally had sent them ( dealership in new jersey ) the title to their car. On XX/XX/XXXX, still not hearing anything at all from Ally, XXXX called Ally regarding her car and the loan and they said that they had made a mistake and was going to reverse it and that she had to make a payment before XX/XX/XXXX or they were going to report it to the credit bureau due to a late payment over 30 days. When she had asked to speak with a supervisor or someone higher up they refused. She then asked them about selling the title to another dealership and they only kept stating that she was still accountable for the payments even though the title was now in the possession of a dealership in N.J. They stated that they would just get it back and if they didn't she didn't need to worry and that she was to continue payments or her credit and XXXX 's credit would be affected. So, in short Ally Financial closed our account, sold our car, sent our title to the buyer of the car which is some dealership in N.J without our consent and still has never called us concerning the matter. We have paid thousands of dollars on this vehicle and they sold it to a dealership without our signatures on any documents and now they want to hold us accountable for a car payment which is no longer in contract under us but, was sold to a dealership. They currently still do not have the title and as of XX/XX/XXXX have re-opened the contract without contacting us. We are not going to make any payments on this car as it is currently owned by some dealership in N.J. We have contacted the Attorney General Consumer Protection Agency which informed us that there are regulations concerning title contracts that could have been broken by Ally and that we need to make a report to you.
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| 12/14/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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On or about XX/XX/XXXX. I Purchased a a/c system for my house with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I unknowingly signed contract that included items that were not compatible with my new a/c system per bad recommendation of " XXXX '' XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with the new a/c system. So, based on that bad experience I cancelled all the other additional items that I purchased, leaving only the new A/C system ( it was already installed ) So, for the payment " XXXX '' had me signed a loan of {$20000.00} that would be paid XXXX payments of {$330.00}. BUT, since XXXX XXXX sold me the wrong product and I cancelled the other items, the price of my debt went down to {$14000.00}. I contacted both parties to redo a new contract with the ONLY item that I actually received, but XXXX XXXX XXXX XXXX said that they will credit the money to my account. I told them no, because the XXXX payments will be bigger, thinking that it was the only issue, so, I submitted a claim with Ally, and both parties agreed to keep the same account. I received an email from Ally that XXXX XXXX XXXX XXXX XXXX XXXX stating their resolution. I emailed over XXXX times asking for a document that states the Items that XXXX XXXX XXXX included in my new debt, but I only got a verbal response. To make matters worse Ally verbally expressed that I have still to make the XXXX payments of {$330.00} and that I have a FEE of {$180.00}. Now I owe them more than the debt {$15000.00} I have made XXXX payments of {$330.00} and I am also charging {$35.00} late fee because of the time that they process the payment. The Ally account number is XXXX Is very important to add that both companies ignore my emails and ask me to contact them over the phone and when I do they claimed to be in a meeting and never call back. XXXX XXXX from Ally said that he can't longer talk to me about my case that " XXXX '' will call me, but she/he had not nor respond my calls. His email is XXXX and from XXXX XXXX is XXXX XXXX XXXX My previous case number XXXX The case is not resolved. Ally keeps charging an illegal, unjustified fee of {$180.00} and changed the min payment and has NEVER provided a new maturity date for the loan had a payment of {$5700.00} is. ALLY verbally expresses that I still have to make the XXXX payments. It's a lie that they spoke with me and told me that my debt will be paid off sooner. I need to keep the same multi payment and know how many more payments I still owe, I need to know my maturity day, They must respect the same XXXX payment and should not be allowed to charge Other fees. Ally is being sued in multiple states for acting fraudulently, please investigate. Order them to provide me with the information that I have been requesting since XX/XX/XXXX Now, ALLY keeps changing the minimum payments from {$330.00} to {$360.00}. Asked for late fees when I am paying XXXXXXXX XXXX so far and charge {$180.00} additionally to the loan. Also claimed that the balance is {$15000.00} when the reminding of the loan is {$14000.00} ( After XXXX XXXX made the reimbursement of the Items that they failed to fulfill/installed due to their error ) If I don't have a decision with the correction that deserves my account, having less amount of payments since the debt is not longer {$20000.00} and the payment amount stays at {$330.00} and I don't receive a late fee for paying in advance. I will stop all together my payments until we have a resolution so far I pay XXXX, XXXX, XXXX, XXXX and tomorrow I will pay XXXX. If I don't get a resolution I won't make any more payments.
Its stupid to force to pay late fees when I am paying in advance.
ALLY is being sued in different states for similar fraud activities. DO SOMETHING STOP THEIR ABUSED!
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| 05/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Ally is reporting inaccurately on my consumer reports and has been for over 3 years by listing and alleging that they gave me a loan when in fact they did no such thing concerning the XXXX XXXX XXXX that me and my dad had purchased directly from the dealer on our consumer credit as even shown on the retail installment we had the choice to buy the car on cash or on credit and by us signing it we chose to buy it on credit so not only have they been reporting the account inaccurately but by also reporting late payments when in fact I have recently discovered that the contract itself is a negotiable instrument, promissory note, financial asset that I now have reason to believe and do so believe played a part in tendering payment to settle the debt as I alleged would be seen if I were to invoke my right as a consumer and request documentary evidence which included both the private journal and ledger from the date of conception of this account it would be shown how the contract itself holds actual cash value and would be seen on the credit side which I was never given full disclosure of throughout this whole consumer credit Transaction that the journal book keeping entries would show that no allege debt that ally is or have ever stated that I allegedly owe would not out weigh the credit side of the journal. and as also seen on the CFPBs website the difference between a retail installment and a loan is, " A loan is a transaction between you and a bank or other lender for money, where you use the money to purchase a vehicle and agree to repay the loan balance plus interest. A retail installment sale, on the other hand, is a transaction between you and the dealer to purchase a vehicle where you agree to pay the dealer over time, paying both the value of the vehicle plus interest. A dealer could sell the retail installment sales contract to a lender or other party. '' I never used no money from Ally to purchase the XXXX XXXX XXXX Ally instead obtained the contract by purchasing it and therefore never loaned me anything this inaccurate reporting has affected me the consumer in many ways such as tarnishing my reputation and defaming my character and has discouraged me the consumer and brought many actual damages upon me such as but not limited to mental anguish and emotional distress.
I am also disappointed at XXXX and XXXX for also not be in compliance with the FCRA for they never had my direct consent and or instructions to furnish any information on me which is needed in the permissible purposes section of the FCRA which is a breach of my privacy. For as even seen in the congressional findings They are held to a standard of reporting accurately and charged with adopting reasonable procedures for meeting the needs of commerce and information in a manner which is fair and equitable to me the consumer with regard to confidentiality, accuracy and relevancy.
By them reporting inaccurate information such as the account type that is a violation of reporting accurately, by them reporting anything that is late without my written instructions as needed in the permissible purpose section this is a violation of confidentiality and thats neither fair nor equitable to me in no way shape or form and even if I did obtain a loan them reporting any transactions and or experiences between me and the person making the report in this case would be Ally would be another violation for such reports are exclusions of a consumer report in the FCRA itself I XXXX XXXX XXXX made affirm that I made this complaint solely by myself without any guidance or assistance and I affirm to everything that I say is true honest and correct not intending to mislead or defraud in any way I do so to the best of my knowledge and beliefs so be it.
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| 01/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Confusing or misleading advertising or marketing
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Web |
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To : Ally Financial From : XXXX XXXX Original Creditor/Investor XXXX XXXX XXXX XXXX XXXX Va XXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT, NOTICE TO AGENT IS NOTICE TO PRINCIPAL AFFIDAVIT OF TRUTH XXXX. On XX/XX/2023, as the original creditor, private investor I extended credits to you for the applicant/principal, consumer based on the information in the credit application. I did not extend credits to the applicant to be determined by the applicant consumer report.
2. 15 USC 1681a ( I ) ( 1 ) The consumer being determined, based on information in the consumers application for the credit or insurance, to meet specific criteria bearing on credit worthiness or insurability, as applicable, that are established ( A ) before selection of the consumer for the offer ; and ( B ) for the purpose of determining whether to extend credit or insurance pursuant to the offer.
Before selection of the consumer for the offer it was fully determined only the information on the credit application can be used to determine a firm offer of credit.
XXXX. I received a call from you on XX/XX/2023, stating you denied the consumer/principal extension of credit based on the consumer credit report.
This is misconception and deceit, as the private investor I was under the impression I was extending credit only based thoroughly on all information in the credit application.
4. 15 USC 1681a ( I ) ( 2 ) ( B ) of the information in the consumers application for the credit or insurance, to determine that the consumer meets the specific criteria bearing on credit worthiness or insurability.
As the Original creditor/private investor I extended credits based on the verification of the information in the consumers application and determined that the consumer was credit worthy of the extended credits.
5. 15 U.S. Code 1681n - Civil liability for willful noncompliance By not fully complying with the terms I extended the credits to the consumer based on the information in the credit application alone, you are fully in violation of the consumer rights. Therefore, you now hold civil liability for willful noncompliance.
6. 15 U.S. Code 1681o - Civil liability for negligent noncompliance Your negligent noncompliance by not extending the credits to the consumer is violating the rights that the consumer was granted by me as the original creditor/private investor, that was determined by the information in the credit application.
XXXX. The damages caused in your incompetency I have suffered negligence in my family household by not being able to acquire the necessity for my family. This is violation of my pursuit of happiness, I have been shamed, this damages my character reputation, causes XXXX XXXX, and a great deal of stress. I have fully lost trust in the banking system by you making false claims and using false records and statement materials for the approval of credit ( 31 USC 3729 ).
The damages are in the total amount of {$100000.00} XXXX. My XXXX in relief, I ask that you fully restore all trust within the banking system by fully extending the credits to the consumer. My research, time, labor to respond to your adverse action is valued at {$10000.00} and I should be fully compensated. The first Amendment of the U.S. Constitution protects my right to work. I have a right to work and contract my labor, my time, and my skill, and my life as I see fit. If I am not fully giving all demands to restore faith and trust within this credit transaction, I will take civil actions for all damages caused by your negligence.
XXXX. I declare under penalty and perjury under the laws of XXXX that all is true and correct to the best of my knowledge. Void were prohibited by law, however it does not change the rest of the Truth!
XXXX ; XXXX
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| 03/25/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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I entered into a retail agreement with XXXX of XXXX XXXX XX/XX/XXXX. To my understanding this was a consumer credit transaction. I later learned there was much deception in the contract. Upon reading and understanding law I learned that a consumer credit transaction can not include cash. Pursuant 15 USC 1662 ( b ). There was a down payment given as well as a vehicle trade in during this transaction. I also later learned upon discovering Federal Reserve 16 section 2 states Any Federal Reserve bank may make application to the local Federal Reserve agent for such amount of the Federal Reserve notes hereinbefore provided for as it may require. Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application. The collateral security thus offered shall be notes, drafts, bills of exchange, or acceptances acquired under section 10A, 10B, 13, or 13A of this Act, or bills of exchange endorsed by a member bank of any Federal Reserve district and purchased under the provisions of section 14 of this Act, or bankers ' acceptances purchased under the provisions of said section 14, or gold certificates, or Special Drawing Right certificates, or any obligations which are direct obligations of, or are fully guaranteed as to principal and interest by, the United States. Which means that upon the submission of the note ( Agreement between ( consumer ) myself and the dealership ) the the promissory note has been securitized. This agreement has acted as collateral upon the endorsement of my signature. To my surprise there was more deception, learning that after the consumer credit transaction there were payments or financing due to a Lender Ally financial. I do not have a contract with Ally Financial nor did I know that my contract was assigned to Ally financial until AFTER the signing of the retail agreement. Based on that factor 15 USC 1692e- False and misleading representation. I was completely deceived by both the Dealership and now learning the bank ( ALLY ). Furthermore, I have never signed any loan agreements with Ally Financial however they have a loan on the LEGAL title of the vehicle. I've submitted 3 correspondences about the billing errors in question. All have gone ignored .Per 12 CFR 1026.13 Billing Error Resolution, as the consumer I have a right to withhold disputed amounts in which that was the entire finance agreement until there was a resolution. ALLY financial continued to harass me with phone calls asking for payments or repossession of my vehicle. XX/XX/XXXX my vehicle was picked up on the streets of XXXX Alabama, in which I was present with my entire family and stranded. This caused extreme harm to myself and my family as we were stranded in a state in which we did not reside. As I currently type ALLY financial has yet to send me any copies of the financial agreement or loan in which they state I am obligated to. I only have the customer copy of the retail agreement with XXXX of XXXX XXXX. My family and I have has extensive financial hardship since my vehicle has been stole by what I know know is a third party. I also sent documents to ALLY making them aware that the vehicle had been conveyed to my trust, in which they were ignored. My vehicle is now of trust property and has been since XXXX it is UNLAWFUL to uphold Trust property and collapse the Trust in any form. I do hold the equitable title to the vehicle, that has also been ignored. I am yet and still demanding that my vehicle be returned unto me. That my family and I are compensated for the deceptive practices of these corporations when they DO NOT have a security interest in this vehicle.
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| 12/02/2023 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Deposits and withdrawals
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Web |
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Ally bank this is the final request to deposit my property. Ally said they dont accept Promissory Notes but thousands of Court cases around the US say other wise. Ally said it doesnt accept post dated checks, but cases show that Ally Bank with Suits for replevin for Contracts due in 72 months ( Installment Contracts ) to 30 years ( Mortgages ). Ally Bank has angered me! And they will answer the Summons that will be signed by a US Supreme Clerk. What do you think a promissory note is Ally? ITS A POST DATED NEGOTIABLE INSTRUMENT!!! HOW DOES BANKING WORK!?!? ohh well, just answer the Summons when it comes. I want to see what your lawyers tell the US Supreme Judges that you a public entity with the FDIC a bank, doesnt accept promissory notes or understands what a post dated check or negotiable instrument is.
Subject : Complaint Regarding Ally Bank 's Failure to Release Trust Property To Whom it may concern, I am writing to bring to your attention a serious matter concerning Ally Bank, located at XXXX XXXX XXXX, XXXX, PA XXXX. They are currently in possession of UCC 3 intangible instruments that rightfully belong to my Trust. Despite repeated efforts, I have been unsuccessful in obtaining the release of my property from Ally Bank.
Under the Uniform Commercial Code ( UCC ) 4-402, " a payor bank wrongfully dishonors an item if it dishonors an item that is properly payable. '' In this case, Ally Bank had a promissory note accompanying the check, ensuring that there would be no overdraft. However, Ally Bank wrongfully dishonored the item, leading to the withholding of my property.
Furthermore, according to UCC 4-501, " A bank that takes a documentary draft for collection shall present or send the draft and accompanying documents for presentment, and upon learning that the draft has not been paid or accepted in due course, shall seasonably notify its customer of the fact. '' Despite this obligation, Ally Bank failed to make presentment to the Federal Reserve, where they could have made an application for their Master Account to be credited with the appropriate amount. This failure on the part of Ally Bank has caused significant financial hardship for my Trust.
It is important to clarify that I did not apply for a loan, as falsely claimed by Ally Bank. Instead, I made a deposit, which falls under the definition of a deposit as outlined by the Federal Deposit Insurance Corporation ( FDIC ). Ally Bank, as a custodian of my instrument, had a fiduciary duty to safeguard and handle it appropriately upon receipt via USPS. Their discrimination and refusal to release my instruments have resulted in unjust consequences for my Trust.
I would like to emphasize that the instruments in question were properly endorsed with an unqualified special endorsement, and I possess the right of enforcement according to UCC 3-309. It is clear that Ally Bank is in the wrong, and their actions have caused significant detriment to my Trust. I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to address this matter and ensure that Ally Bank fulfills their fiduciary duty by releasing my Trust property promptly.
I have attached copies of relevant documents, as supporting evidence for your review. I kindly request that the CFPB investigates this complaint thoroughly and takes appropriate measures to rectify the situation.
Thank you for your attention to this matter. I have faith in the Consumer Financial Protection Bureau 's dedication to consumer rights and trust that my complaint will be handled with the seriousness it deserves.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX all rights reserved
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| 09/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, and other relevant statutory and regulatory provisions, I am writing to file a formal complaint against XXXX, XXXX, XXXX, and XXXX XXXX.
According to the Fair Credit Reporting Act, 15 USC 1681 section 602 ( a ), there exists a need to ensure that consumer reporting agencies exercise their significant responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. XXXX, XXXX, and XXXX, as consumer reporting agencies, are subject to these responsibilities, and I am the consumer in question. As the consumer, I have the right to ensure that my private information is not shared, as reinforced by 15 USC 6801, which explicitly states that it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. XXXX XXXX, as a financial institution by definition under this title, is also bound by this obligation.
Furthermore, 15 USC 1681 section 604 ( a ) ( 2 ) states that " Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' It is essential to note that neither XXXX XXXX nor the consumer reporting agencies XXXX, XXXX, and XXXX have my consent to furnish this information, and they certainly do not possess my written consent. I hereby revoke any and all consent, whether verbal, non-verbal, written, implied, or otherwise, to XXXX, XXXX, XXXX, and XXXX XXXX.
Moreover, 15 USC 6802 ( b ) ( c ) stipulates that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option.
Additionally, 15 USC 1681c ( a ) ( 5 ) clearly states that " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' The account in question includes adverse items being reported without my permission, which is a clear violation of the law.
Furthermore, 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) specifies that " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' In addition, 15 U.S. Code 1681e mandates that " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' It is evident that XXXX, XXXX, and XXXX are not maintaining reasonable procedures.
Furthermore, XXXX CFR XXXX clearly states that " A consumer XXXX exercise the right to opt out at any time. '' I am opting out of these reporting ( alleged ) services immediately.
In light of the aforementioned violations of the FCRA, I request that the CFPB investigate this matter thoroughly and take appropriate action to rectify these violations. Any account information you require, such as account start date or account #, I am happy to provide. I look forward to a prompt resolution of this issue and request that you keep me informed of the progress of your investigation.
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| 08/27/2016 |
Yes |
- Consumer Loan
- Vehicle lease
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- Managing the loan or lease
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Web |
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On Saturday, XXXX XXXX, XXXX I turned my leased XXXX XXXX XXXX vehicle in to XXXX where they recorded my odometer as reading XXXX miles. Ally, the leasing agent with whom I financed my vehicle with, recorded the mileage as reading XXXX, a XXXX mile difference! I returned my vehicle XXXX miles under the allotted XXXX miles as permitted by my lease agreement. I performed a search of the vehicle 's VIN number. XXXX XXXX 's Used Cars located in XXXX XXXX, MI is selling the vehicle for {$19000.00} with the odometer reading listed as XXXX. Yet, Ally listed the odometer on my inspection report as reading XXXX. According to the Michigan Secretary of State that is odometer fraud. My sales lady and I inspected the car, the tires, rims, interior & exterior, using Ally 's Vehicle Lease Return Kit as our guide, finding no issues that would cause alarm or repair/replacement fees. I replaced the windshield before I turned it in due to a crack & under my lease terms I had a duty to do so. That was the only issue with my leased vehicle. As of Saturday, XXXX XXXX, XXXX, the XXXX XXXX XXXX chain of custody was transferred from myself to the XXXX dealership.On Friday, XXXX XXXX, XXXX, Ally sent a third party inspector to the XXXX dealership to perform the inspection on my now former XXXX XXXX XXXX leased vehicle. On Saturday, XXXX XXXX, XXXX, I received a letter sent to me from Ally claiming that I owe them {$820.00} for four new tires on the grounds that all four tires had gouges/cuts in the sidewalls. On Saturday, XXXX XXXX, XXXX, I returned a XXXX XXXX ATS to XXXX with tires that were absent of any type of gouge or cut. From Saturday, XXXX XXXX, XXXX until Friday, XXXX XXXX, XXXX, the vehicle, no longer in my chain of custody sat on XXXX dealership lot. The vehicle sat for six days before it was inspected by Ally 's third party inspector. At any point in time during those six days any number of things could have happened to the vehicle 's tires. The dealership could have traded them out & replaced them with a damaged set. The vehicle was no longer in my possession. The inspection was performed without me being present. It is very easy for Ally to make false claims & charge you for alleged damaged tires when no one but a third party inspector is allowed to be present. On Monday, XXXX XXXX, XXXX, I receive XXXX letters from Ally. XXXX letter stated that my vehicle sold at auction but failed to list what it sold for & that I am responsible for the {$820.00} charge for the tires. I called the XXXX number listed on the letter & spoke to a female operator who informed me that my tires were bald & mileage has nothing to do with the tread wear, weather & road conditions are the main factor. I informed her that I will not be paying the {$820.00} charge & to make note of it in my account.Ally was dropped by XXXX as a financer due to an enormous amount of customer complaints & now they are using nefarious & fraudulent claims & damages in order to make up for the money lost from XXXX dropping them. I refuse to pay a dime of the {$820.00} they are falsely claiming I owe for tires. This company needs to be investigated & criminal charges filed against them. Ally carries the burden of proof. The vehicle has been sold & no longer in their chain of custody. They had a third party inspector inspect the vehicle alone with no witnesses & no one from the XXXX dealership to concur & validate his findings or photos taken of the tires. Now Ally is sending me letters claiming they reached out to me with their willingness to work with me. They have never reached out to me other than to send me letters stating I owe the amount & if I did not pay them they threatened me with sending me to collections & reporting negative credit info.
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| 02/07/2017 |
Yes |
- Bank account or service
- Checking account
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- Using a debit or ATM card
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Web |
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My wife 's debit card had been hacked and used via XXXX. As soon as I was aware of the fraud ( which was the next day ), I contacted Ally to freeze the card and follow on with the dispute of the claims for a total of {$400.00}. The following day I received a call from Ally stating that because it was a XXXX transaction they wanted me to handle to issue with XXXX. Although I thought it was their job to follow up with XXXX, I did as told and followed up with XXXX immediately. It took them a couple day to verify that it was indeed fraudulent and attempted to do a charge back to the card that was frozen. Ally blocked the transaction. Although aware the card was frozen XXXX had stated that banks immediately get notified about the block and review and charge the amount back to XXXX. I called Ally once I was notified that a return charge back was attempted by XXXX, they stated that they do n't see anything on the account and that maybe it will take a day for that to go through. a couple days later I check my checking account and noticed that the funds were n't transferred back to the account. I called Ally they stated that no transaction were made nor notifications given. I called XXXX they stated they have a log that shows it was denied by Ally, but will attempt it again. Few days later nothing changed I called Ally they said the same things. I complained to them that they needed to do a charge back and what they needed to put my funds back into my account. The customer service rep as well as their supervisor 's excuse was that because it was under my wife 's debit card they can not do anything until they speak with my wife. The next day I called Ally with my wife present, they looked at the account and said that it was n't my wifes debit card that was affected it was mine. but still could n't do anything because their resolution department was closed. I called the next day with the XXXX representative present on the line. Ally gave the same excuses, until the XXXX fraud department representative chimed in and stated that they could potentially be in violation of Regulation E, which got the Ally representative serious and brought in a resolution expert on the phone. That supervisor/resolution expert immediately told me that the issue was because my wife needs to submit the claim ( although it was a joint account ) in order to resolve the issue. Shockingly after 2 weeks of no help whatsoever they had stated that the issue was because my dispute was not valid and that it was because my wife needed to file a claim instead of me, despite numerous attempts to resolve the issue on my own. Begrudgingly my wife filed the claim requesting a quick resolution because Ally was the cause for the holdup. shortly after my call with XXXX who explained their potential violation and that they were the cause of the hold, I all of a sudden get an executive resolution center representative that emails me giving all the excuses in the world as to why this has n't been handle properly. After several days later I get a letter in the mail from Ally stating that " the disputed transaction was processed through a third party payment processor, XXXX, the transaction is considered a merchant credit and that because it is not covered under the regulatory dispute resolution process, they would like to " assist '' me which will take up to 90 days from the time they receive my complete form. It 's been 3 weeks since the original dispute was filed, with absolutely no effort on Ally 's end to look into the matter or provide guidance as to what could be the delay or cause of it. The end result is endless new excuses as to what I need to further do to get {$400.00} that paypal has already attempted to do on multiple occasions.
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| 11/15/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
Older American, Servicemember |
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ALLY continues to report referenced account as past due and insists on assessing late charges, even after I have provided confirmation payments to dispute assessing of late charges. All payments have been made on time. XXXX Delinquent Account notice dated XX/XX/XXXX, stated that payment status shows ( 60 ) days late. This is an inaccurate assessment and must be corrected immediately. Continues to have a negative impact on credit reports and is depicting me as uncreditworthy. XXXX Credit report ( XXXX XXXX ), XXXX Credit Report ( XX/XX/XXXX ) show ( 60 ) days past due, amount past due ( {$1400.00} ) this includes the monthly payment ( XXXX ) and the assessing of late charges ( {$730.00} ). ALLY actions continues to have a negative impact on my credit scores. I find ALLY 's reporting totally inaccurate with no written proof to substantiate any past dues. How can ALLY insist that their position regarding reporting of past dues and amount of past dues remains unchanged when confirmed payment details/ banking statements were submitted to denounce the reporting of past dues and amounts past due. ALLY has failed to provide documentation to support their stance. I received a e-message from the XXXX XXXX XXXX XXXX stating that the XXXX showed where ALLY was paid on XX/XX/XXXX ( {$750.00} ) and XX/XX/XXXX ( {$750.00} ) electronically via Bill Pay. XXXX proceeded to inform me to contact XXXX and speak with a specialist in order to reach out to XXXX, the company that provides the Bill Pay services and see what they can do to assist on this pay issue. XXXX also stated that in some instances Bill Pay will call my biller ( ALLY ) to see what is actually going on and provide proof that my payments were in fact made and on time. XX/XX/XXXX payment was made after this letter. your information. I informed XXXX that ALLY stated that no payments have been receive by XXXX, KY Processing Center and that payment are made electronically.. When I received the monthly billing statement, it instructs me to make payments to the Payment Processing Center, XXXX XXXX XXXX XXXX, KY XXXX. XXXX informing me that payments were sent electronically to ( ALLY ). This I feel is where the miscommunications arises. ALLY monthly billing statements state to make payable to XXXX, KY Payment Processing Center. Then ALLY states that payment are being received electronically and no payments are being received by XXXX, KY. This was confirmed by the XXXX Bill Pay website. It appears that ALLY systems is not being notified that electronic payments have been received/posted on time. thus placing these electronic payments in a suspense file until it has been determined what account to credit. This system miscommunications is causing another department within ALLY to report payments are past due and proceeds to assess late charges. This is clearly noted for XX/XX/XXXX payment has been processed according to XXXX Bill Pay, but ALLY has reported account past due ( 30 ) days. Credit report does not show that actual payment ( {$750.00} ) had been made, only a late charge ( {$730.00} ). Based on this information it is request that I wish to know who is receiving payments ( Name or Company ). Could this be a third party who is not communicating with ALLY. How can ALLY assess late charges when due date has not arrived. Even the grace period has not arrived. But I continue to be assessed these outrageous late charges. Who has my payments and why are they not being reported to ALLY Payment Processing. XX/XX/XXXX detailed payment is not found on the credit file balance history report. I feel that amount owed should be $ XXXXReported late fees that have been assessed from XX/XX/XXXX through XX/XX/XXXX total {$8800.00}. These fees must be credited.
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| 03/27/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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I have paid all my lease payments in full. On XX/XX/2019, I received a letter from Ally Financial concerning return of the vehicle. It expressly stated it could be returned to " another local franchised dealer '' or I could call Ally to " make alternative arrangements. '' I initially called the dealership from whom I leased the car and was told they had no " room '' to take my car back and I had was required to find a dealership that would accept the vehicle. I called the national offices of XXXX and they called the dealerships to inquire who could accept the vehicle. In the meantime, I called Ally in an attempt to schedule a third party inspector to look at my vehicle, an option offered by Ally in their " Vehicle Return Kit '' online. Ally stated the inspector would contact me in 48 hours. My husband had to call Ally back multiple times because the inspector did not call. Ultimately, I was able to return the vehicle to XXXX XXXX XXXX onXX/XX/2019. The third party inspector finally contacted us nearly a month later. So, we did not have the inspection by the third party inspector. When we returned the car to the XXXX XXXX dealership, a form was filled out that reflected we returned both remote key fobs, the owner 's manual, spare tire and all floor mats. A copy was provided to us. The only damage documented was " scuffs '' on the right rear and right front wheels. I received a letter from Ally on XX/XX/2019acknowledging the vehicle was returned to XXXX XXXX XXXX, and Ally intended to sell the vehicle. Ally requested a signed verification of the odometer reading which I provided. No other issues were mentioned in the letter. Then, on XX/XX/2019, I received another letter from Ally. This letter falsely claimed I terminated the lease " early '' contrary to the last invoice I received from Ally stating " your lease is scheduled to end on XX/XX/19. '' The letter also sought to charge me {$1400.00} for alleged missing key fob, tire inflator and purported damage, contrary to the intake form filled out by the dealership. The form reflected " scuffs '' not " gouges. '' The form allowed for designation of " gouges '' if applicable. When I called Ally onXX/XX/2019, I initially spoke with " XXXX '' and was told he would submit a dispute of the charges based on the dealership form. He also stated that if the vehicle is sold for less than the residual value, no further charge would be imposed ; but if the vehicle was sold for more than the residual value, the excess would be applied to any charges based on an " early termination '' of the vehicle. That same day I got a follow up call regarding the " dispute. '' The woman I spoke with basically told me the dealership form was meaningless. Ally conducts its " own '' inspection notwithstanding the XX/XX/2019 letter from Ally said I could return the vehicle to a dealership. She claimed the dealership only provided Ally with one remote contrary to the completed form. She stated I would have to get the person I returned the vehicle to to " confirm '' receipt of both key fobs. The balance of the charges contrary to the form, however, would remain regardless. Ally has placed the burden on me to prove their charges are unjustified, but will not accept the dealership form as proof. The XX/XX/2019 letter threatens a " negative credit report '' if I " fail to fulfill the terms of [ my ] credit obligation. '' This is extortion since there is no way to dispute the charges because Ally disregards the inspection conducted by the dealership to whom I returned the vehicle at their instructions. The Ally dispute reference number is XXXX. When I stated to the woman that Ally would just have to sue me for the fictitious charges, she hung up.
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| 03/30/2021 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
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- Closing an account
- Funds not received from closed account
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Web |
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XX/XX/XXXX I set up an online Certificate of Deposit account with Ally Bank in the amount of {$10000.00} as a start for my XXXX year old daughters college savings. On XX/XX/XXXX the funds were to be electronically transferred from my XXXX XXXX account.
That evening ( XX/XX/XXXX ), my fianc came home and told me were going to go a different route, for her college savings and told me to close the CD I had just opened. I called Ally Bank that day @ XXXX XXXX and spoke with someone to close this account. As we were closing the account, I asked if I needed to do anything on my end. I asked if I needed to cancel the pending {$10000.00} withdrawal from XXXX XXXX, but she assured me that I didn't need to do anything ; that when the money attempted to be deposited in the closed account it would automatically get rejected and return directly to the originating account. I asked again, just to make sure because it felt off, but she reassured me that it happens all the time and the money would indeed return right back to my account. So I acquiesced.
I watched to money leave my account on the XXXX as scheduled and then waited to see it return back to my account. I checked daily, and tried to remain patient. By XX/XX/XXXX, I called Ally to check the status. They told me that they never received the money and to contact XXXX XXXX. I contacted XXXX XXXX, they said they never received it back and for me to start a claim. To do so, I was required to file for a stop payment ( which I felt was silly since the money had already been gone for a week at this point ) so I did. XXXX XXXX called to clarified a few things and then by XX/XX/XXXX I received a notice in the mail that they had denied my claim. They claim that they sent the money as directed and had never received it back. I called Ally on XX/XX/XXXX to let them know that I had been denied and to push the issue that they needed to find the money on their end. I spent close to half an hour on the phone and they said they were going to escalate it and I would have more information in a few days. I waited almost a week before calling them back on XX/XX/XXXX. I spent a total of an hour on the phone with Ally that day trying to find some resolution, and another hour on the phone XX/XX/XXXX doing the same, the following day for another 32 minutes ( at this point I believe there was a case number, XXXX ). It was a relentless run around with finger pointing and being on hold while they spoke with " the back office. '' I was again told that things were being escalated and to be patient while they did some digging on their end. I called back XXXX to check the status and was on the phone for another hour [ This is over 5 hours on the phone with them at this point ]. I believe this is when they said that they had figured out the problem and that they were going to have to contact XXXX to get it cleared up. They said I wouldn't need to call back and that it should be resolved in 10 business days. I called a few days later I believe just to check and they again said that I didn't need to call back, that they were working on it. I called again yesterday XX/XX/XXXX and spoke with someone for 35 minutes. They backtracked and told me to contact XXXX XXXX again to try and figure it out, so I explained that the last Ally rep I spoke with said they had traced it and that it was a XXXX issue, not XXXX XXXX. Then they said the same things they have continuously told me and to just wait, that its been " escalated to the back office '' and that I wouldn't be hearing anything for 30-60 days. I am tired of playing the middle man. I just want my funds back so I can use them as intended. Ally needs to own their massive error and return my funds.
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| 01/31/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Money was not available when promised
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|
Web |
Servicemember |
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Ally invest won't let me withdraw it. {$790.00} got transferred from my XXXX XXXX account to my ally account and I was charged a {$75.00} transfer fee. Leaving me a balance of XXXX with them that posted on Friday XX/XX/2019 Saturday the XXXX I try to add my bank. Had to wait till Monday the XXXX for approval.They rejected it because they said the names don't match. Bank had my middle initial and my account with them don't. But later I found out both accounts had my full name. So I requested a wire transfer. They said it would go though by XXXX. Monday night I call and see what happened. They said there not sure to call back tomorrow. Tuesday XXXX at XXXX I call and they said everything is good .and at XXXX I call and check they said it didn't process because the bank I was wiring it to was on there blacklist. XXXX Bank. So I gave them another bank. Called back at XXXX. And they said it didnt process because the XXXX was wrong. Which it wasn't. So I sent in 2 more bank accounts. They said it would be tomorrow before it processes. Wednesday at XXXX and they said that the transfer is on hold and the rep on the phone refused to give me a reason why. Said someone will email me and let me know. Wednesday night still no word from ally. So I login in to my account and was able to electronically link one of my other banks. So I tried to do a ACH transfer and it gave me a error and said for me to call them so. I called. The rep. Did not know why it gave a error said my wire transfer is on hold did not know why. So I told him to cancel the wire and do a ACH to my bank that i just added for {$600.00} so he said ok and he put the request though. A few hours pass so I. check my account still no request on my account dashboard and on there website under FAQ its says to check the status online transfer to go look under activity. I look and still nothing So I go and do the request online and it accepted the request and waiting for approval. So today Thursday at XXXX I check my account and the request was rejected. I check my email and said that it was rejected because the ACH profile to that my linked bank account was dead. So i call again. And the rep XXXX XXXX out said that I wasn't getting my money today. And didn't give me a reason. Just wanted to know why I wanted to withdraw my money. Now my account is on restriction. Said I have to wait 10 days before I can withdraw. I asked him why my account dash board has my balance amount under the field line of cash available for with draw today. But you telling me it's not. He said that statement doesn't mean anything. It's just there. And then asked me if I wanted to do a stock trade or buy stock. I told him no he acted like I was breaking up and then hung up the phone. So at XXXX on XX/XX/2019 I log into the app to do a trade and says my account is not available for trade. So I call them again and ask why can't I trade he said because I have a pending with draw. I asked what withdraw because I thought all was rejected or canceled. He said you still have the {$600.00} ACH withdraw request to my linked bank account that the rep put in over the phone.. but that request is on hold and my account is restricted because of all the multiable request of withdraws. The thing that gets me is that the ACH withdraw that I put in online was rejected because the ACH profile was dead. If that's true then the ACH withdraw that the rep put in should have the same error. Because it's the same liked bank account. That they said the profile was dead on. But yet the transfer is on hold. Just does not make any since.
I'm so sick of banks keeping my money from me.
Please let me know how I should proceed.
Thank you XXXX XXXX XXXX
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| 11/23/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem making or receiving payments
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Web |
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I started to have problems with Ally Bank on XX/XX/XXXX of this year. I maintain through them a checking account with a never low or negative balance, which at the time was right around {$25000.00}.
Initially, it was explained to me that suspicious charges had resulted in my debit card being put on hold. Curious to what those might be, I checked the mobile banking app to see that there had been no suspicious charges. I called Ally to tell them so.
They indicated that there was in fact some kind of problem in connection with transactions that, as I made clear to them, were not visible in the banking app. To my knowledge, they are still not.
However, across multiple customer service representatives and multiple hours of wait holding, no Ally employee was willing to present the relevant information in writing to me so that I could interpret the transaction data and confirm those charges. Much less, they were not willing to share the amount the invisible suspect transaction would have been for.
As such, I was unable to confirm those transactions that I had no material reference for, and my checking account was placed under further restrictions.
In the days that followed, I attempted to resolve my issues with Ally via telephone repeatedly. In this phase of attempting to resolve this lack of service, Ally contended that the issue at hand was a matter of verifying my identity as the person I claimed to be on the phone, in spite of the fact that I had passed through Allys ID verification scheme with each customer service rep with no real complications. Indeed, I received an email yesterday, XX/XX/XXXX explicitly communicating that this was the case. It was not.
The next day, I was able to reach another customer service representative who was able to verify my identity appropriately, and left her conversation with me saying that I had a ) been verified as myself in their system, b ) would be sent a new debit card, and c ) would now be able to again access my checking account online. I was led to believe this was a final resolution to my non-problem. It was not.
Today, through another bank ( and I should not NOT from Ally ) I was notified that a {$6000.00} dollar transfer from the Ally product in question had been out on hold.
I then called Ally to inquire about the held transfer issue. The customer service representative passed me fairly quickly this time to Ally Fraud Prevention, who indicated that my account liquidity problems had been the result of regular, predictable, transparent, legitimate and paid use of a Virtual Private Network ( XXXX ) that I am entitled as a consumer to use.
At no point in the hours of communication with Ally Ive been had over the last weeks had any clear message about this simple misunderstanding been brought to my attention. Only after the excessive sort of inquiry required when interacting with a bank that apparently does not require those employees who deal with fraud concerns to communicate with those others who render decisions on behalf of their customer base had been expended was this simple piece of information allowed to me.
Now, Ally has communicated to me explicitly that my only recourse as their customer to access these funds that I did really ever deny myself through my decisions is to report additional identity verification information to its Fraud Prevention Division and wait an additional 3 business days beyond that for further instructions so that I can see liquidity again.
Since XX/XX/XXXX, Ally Banks treatment of my reasonably understood consumer concerns has shown its internal communications to lack integrity and its customer-facing policies to be opaque such that they are abusive.
|
| 02/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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This complaint involves XXXX Credit Report. On XX/XX/2020, XXXX lowered my credit score by 36 points. According to the report issued via XXXX XXXX, who used the XXXX Report, there were five changes to my XXXX Report : 1. Ally Financial Reports 2 Payments Made on Time. 2. XXXX XXXX XXXX added the following remarks to my account : Charged Off Account. Account Closed By Credit Grantor. I continue to dispute the legitimacy of this account and demand my remarks be reflected on the account that Consumer Disputes Investigation Findings. XXXX and XXXX have claimed they have previously investigated the claim and are not obligated to conduct further investigations. The reality is that a representative of the XXXX CEO staff stated that the CEO 's position is that no fraud occurred. This was not predicated upon a legitimate investigation as I have repeatedly asked for a copy of their investigation to no avail. 3. ALLY FInancial added remarks that Consumer disputes after resolution. Ally Financial has not conducted a legitimate investigation into my complaint and on several occasions changed the dates they claimed I was late on my auto loan. The auto loan was never late and I continue to dispute the report. 4. XXXX XXXX XXXX added the following remarks to my account : Consumer dispute - reinvestigation in progress. I continue to dispute the legitimacy of this account and demand my remarks be reflected on the account that Consumer Disputes Investigation Findings. XXXX and XXXX have claimed they have previously investigated the claim and are not obligated to conduct further investigations. The reality is that a representative of the XXXX CEO staff stated that the CEO 's position is that no fraud occurred. This was not predicated upon a legitimate investigation as I have repeatedly asked for a copy of their investigation to no avail. 5. XXXX XXXX XXXX removed the following remarks from my account : Consumer dispute - reinvestigation in progress. I continue to dispute the legitimacy of this account and demand my remarks be reflected on the account that Consumer Disputes Investigation Findings. XXXX and XXXX have claimed they have previously investigated the claim and are not obligated to conduct further investigations. The reality is that a representative of the XXXX CEO staff stated that the CEO 's position is that no fraud occurred. This was not predicated upon a legitimate investigation as I have repeatedly asked for a copy of their investigation to no avail. 6. XXXX XXXX XXXX XXXX continues to report negatively on my credit reports and refuses to conduct a legitimate investigation. Because they wasted so much time, there is no way to prosecute the fraudulent actors, meanwhile, XXXX continues to fraudulently report negatively on my report.
It is clear to see that XXXX, ALLY BANK, and XXXX XXXX XXXX are deliberately manipulating the credit reports and negatively impacting my XXXX Credit Report and ability to purchase a home. For instance, my score dropped 36 points over a change in the narrative but has not gone up since paying off nearing {$2000.00} to XXXX XXXX XXXX.
XXXX is also under-reporting the average age of my credit. I have a 99 % on-time payment, 15 % Credit card utilization, 0 Derogatory Remarks in Collections or Public Record, 7 Hard Inquiries which I have repeatedly disputed as unauthorized and XXXX has done nothing but refer me to the creditor. The responsibility is upon XXXX to report accurate information and to demand strict proof when I file a complaint or dispute.
On information and belief, it is public knowledge that XXXX, Ally Financial, and XXXX are corrupt and manipulate scores to fraudulently inflate the cost.
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| 07/08/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
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|
Web |
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Received XXXX statement with an amount due that was XXXX XXXX XXXX less than the XXXX payment of XXXX ). I Payed the XXXX amount and thought the lesser amount was due to a tax rate change. I did not receive a XXXX bill however I payed the account on time, paying the same XXXX that I was billed for in XXXX. In XXXX, I received a collections call from Ally, saying I owed XXXX. I attempted to state the above to the representative however, the individual only wanted to focus on the XXXX. I payed the XXXX after the call was ended on-line that day. I placed a call to Ally to inquire and the representative could not explain however, said I would receive a call back within XXXX48 hours. I did not receive a call back. In XXXX I began a re-finance process on my home and discovered Ally had reported my account 30 days past due for the XXXX payment, although the XXXX was received on time. I called Ally to dispute and was told I would get a resolution within XXXX to 6 weeks. In 6 weeks I received a letter stating the dispute was not valid and the account was reported past due correctly. I called Ally and requested escalation to a supervisor and spoke to a person that said they would re-open the case and I would receive a call back within XXXX hours. I never received the call. I called again, requested escalation, spoke to a supervisor who then said there was no record of my last call and that I could file a new dispute and hear back in XXXX to 6 weeks. I repeatedly requested to speak to a manager or someone directly in the credit dispute department and was denied. My only option was to again wait XXXX to 6 weeks. Again 6 weeks and I hear nothing so again I call. I immediately request a supervisor than that supervisors manager. I get transferred to the " consumer affairs '' department. I again go through the history and request to speak to someone in the credit dispute area. The individual told me they have no way to transfer however, I would receive a call within the next XXXX48 hours. This time 48 hours later I do get a call from " XXXX ''. I was not home at the time, and a message is left to return the call. I returned the call within XXXX hour to the number provided ( same main number ). I get transferred to " consumer affairs '' again, and then told XXXX was not available. And she will be out for one week. I ask to speak to another manager and was told no-one was available. My only option is to wait. A week goes by, no return call. I call again, get transferred to consumer affairs, ask for XXXX, was told again she was out for 3 more days. Wait 3 days, no return call, I call again, get transferred to consumer affairs, ask to speak to XXXX 's manager or anyone in a leadership role in the credit dispute department. I get told I would get a call back within XXXX48 hours. I told the rep that this is the worst customer service I have ever experienced and wanted to formally complain. The rep told me all complaints must be in writing, she could not discuss over the phone.
Another interesting point is with every call, they state how their service is very important and if you would like to participate in a survey, press XXXX and stay on the line after the call ends. I have done that each time and never been offered a survey, just dead air.
To summarize, It is near to impossible to escalate any issue or speak to anyone within any managerial authority with Ally. My XXXX payment was not late. Due to Ally not sending a XXXX bill, I was not aware the payment increased XXXX. I am still unclear on why the XXXX payment had decreased. When notified of the XXXX difference, it was immediately paid. Given that the XXXX payment was never 30 days past due.
|
| 02/15/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
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Web |
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At XXXX on XXXX/XXXX/XXXX we were awoken to the dog going nuts, I looked out and saw an unknown man walking around our XXXX XXXX XXXX pickup with a flashlight. I went out and asked what he was doing and he stated he had been orderd by Ally financial to repo the vehicle. I told him there was a huge mistake and asked to see the repo order, I stated I never received any letters or notices. He showed me and there was no amount listed in the arrears box. He took the truck and at XXXX i called ally financial collections dept., I was informed that they had no info. as it was all sent over to the repo dept. and I needed to contact them. I called the repo dept and was on hold for 45 mins before anyone answered. The gentleman that answered was XXXX and very hard to understand, he would n't answer any of my questions, just kept reading from his computer. I was getting very agitated, when I kept asking why the truck was repoed, he stated that he did n't have that info the collections dept. did. I informed him they said the repo dept did. All I wanted to know is why they repoed the truck. In XXXX and XXXX I paid them a total of {$900.00}, the payoff was approx. XXXX, I had 6 payments left at XXXX so I was actually ahead of schedule. Finally after 15 mins of getting nowhere, I asked what we needed to get the vehicle back. He replied XXXX and some change, I was informed to XXXX or XXXX the money and call back with the tracking #. I asked what the payoff on the truck was after the XXXX was sent to them and of course they could n't give me that info. because now there was going to be new charges for the repo fees, towing, not cleaning out the vehicle, and not surrendering the keys. By the end of this call, he was very rude saying he could not hear me whenever I asked him to repeat due to not being able to understand, due to his accent. I decided to go online and check my account, as that is how my payments are made. I logged in and the truck and all payment info. was gone! I called the collections dept back, it was a XXXX woman who answered, I started questioning her about why the truck was repoed and what happed to my info. and she yelled and said " YOU DID N'T MAKE YOU PAYMENTS, THAT 'S WHY IT WAS REPOED! '' and then she hung up on me. I then went and sent an XXXX per their instruction, I even rounded it up to XXXX due to not being able to understand the XXXX guy at the repo dept. I sent the money and called the repo dept back to give them the tracking #, this time I was on hold 32 mins before a XXXX woman answered. I gave her the tracking # and amount and was informed there was already a XXXX charge added, but no worry it would be added on the loan balance. Of course she had no idea what that charge was for. According to her my online account info,. would be back up and I could access it in 3-5 business days and do n't forget my next payment due on XXXX/XXXX/XXXX. When I asked what I owe on payment, she could n't tell me. I would need to call the collections dept. back. She verified the XXXX was in our account and sent the release over to the repo company. We picked up the truck at XXXX this morning from XXXX XXXX XXXX. We signed a bunch of releases and I asked for a copy of those, the initial repo order from Ally, and the vehicle release from Ally. I was denied all these and was informed I needed to request them from Ally. Now we are gong to have a faulty repo mark on our credit report. We also have another vehicle with them that could sell at auction and make them money, hopefully they can be stopped before that happens. The stress, agitation, and mental anguish is beyond words. I missed two days of work to get this mess straightened out!
|
| 02/06/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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|
Web |
Older American |
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CFPB Complaint submitted XXXX Gentlemen, A brief description of our case is about unknowingly .entering into a fraudulent business agreement with a private financial consultant firm, XXXX XXXX XXXX XXXX XXXX XXXX . Later during the business process suspicion turned into reality when specific and or nonperformance of contract, & the preparation of the Family Office, the Investments, wire transfer fraud, unauthorized credit cards purchases, then finally the theft of two vehicles, computer and office equipment, Security Instruments, and other personal property. ( Which have been documented with the XXXX XXXX Police dept. and the XXXX County Prosecutors Office ) For the past year we, have been corresponding with the two finance companies since XX/XX/XXXX, with XXXX XXXX , & Ally Financial, the finance companies, and we're paying minimum on approx. 22 credit cards.. Their inaction has caused great hardship to me and my family. Has caused undo emotional stress and a horrible financial burden and mental duress on me and my whole family.
We still are continuing as recently as XX/XX/XXXX relentlessly with letters to the two finance companies to the with XXXX XXXX, & Ally the financial companies involved to reopen the accounts, restoring the credit limits, removing the fraud charges, removing the erroneous derogatory credit notes on my and my wife 's credit reports. But to no avail the erroneous derogatory information is still reported on the credit reports and keeping our FICO scores down, even though we've been completing all of their forms, letters of dispute and submitting to them all the records they requested about the incident .However theyre steadfast with their low credit score ( s ) that they keep reporting every single month since the fall of XX/XX/XXXX. To date.
The Financial Co.s acting in bad faith are XXXX XXXX , and Ally Financial, to facilitate the theft claim.
Although since the fall of XX/XX/XXXX, we have hired a credit repair expert XXXX XXXX to help us mitigate the damage ( that snow balled lack of participation ) the finance companies and the insurance company they have had no positive effect on our credit score and reports. After spending over $ 3,000.Dollars in fees. The FICO scores for XXXX and XXXX were XXXX, & XXXX, prior to the fraud to XXXX & XXXX today.
Summary of issues : 1 ) Theft of 2 SUV vehicles XXXX claim denied, XXXX and Ally send notice of repossession sent to credit bureaus XXXX action contributed to low FICO scores. Low FICO scores snowball to credit cards and credit lines reduced or canceled, interest rates go up on balances.
2 ) Wire Fraud {$50000.00}.
3 ) Credit Card Fraud, {$230000.00} certain credit card companies denied fraud charges 4 ) Identity Thefts 5 ) Security Instruments Fraud and theft 6 ) Computer and Office Equipment 7 ) Credit card companies closing accounts 8 ) Credit card companies denied fraud charges 9 ) Credit card companies lowering or removing available credit limits Low scores snowball to credit cards.
lines on several credit cards, Thus changing the balance to credit limit. Causing credit cards closures and drastically reducing available credit and raising the interest rate on the balance due. ( Draconian Banking Penalties on consumer loans ) 10 ) The XXXX XXXX , & Ally Financial, are steadfast in maintaining their derogatory postings on the three national credit reports. action contributed to low FICO scores. Low FICO scores snowball to credit cards 11 ) The erroneous status of the two finance companies is preventing me and my wife from obtaining necessary financing, causing a Hardship on me and my family. ( XXXX denied claim contributed to the low FICO score )
|
| 11/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
|
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You all are reporting a incorrect account balance you all are stating I owe {$17000.00} but I have a letter with a different please delete this account immediately from all credit reports To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards
|
| 09/20/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
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This is a very confusing process to say the least. I opened this case on XX/XX/XXXX for a {$500.00} charge on my card for attorney services that I NEVER received. On that day, I sent in the contract, and the written notice of request to terminate my contract to the company ( as outlined in the contract that we both signed ). Despite me sending in all of these details, I was mailed a documentation request from Ally Bank several days later. I called in and clarified that I sent in what was being requested already. I was told if any other information was needed, I would get a call or be mailed a request. I put emphasis on receiving a call from Ally if they needed more proof or clarification from me, because I want to make sure they have all the truth and matters of the case. Well today ( XX/XX/XXXX ), I called in and spoke with XXXX for several minutes. She told me that case was successfully resolved ( in my favor ) and I told her that this is good news, however I do not see the reversal or reflection on my account. We spent more time on the phone while she researched these things but then realized I was in the wrong department, she said. So then I got XXXX next, and she told me that the claim was denied ( contradicting the previous agent ). This was very disappointing and when I asked why, she said they needed proof of my termination in writing, but I already sent that. She said it would be helpful if I could send in any correspondence I received in return from this letter of contract that could show that the company denied refuninding me my money, thus being in violoaton of the contract. That is what I am attaching today. But please be aware, that the information that responded in this letter of denial for my refunds was NOT what we agreed to in the contract or verbally. She ( XXXX XXXX added in other information that was left out upon me initially signing up with them. When I signed up for lawyer representation with XXXX XXXX, he said his goal was to get all of my money back that I was scammed out of from a previous company. Our first goal was to talk to each bank and ask that all my previous cases be re-opened, with new documentation that we had from the deceptive company I dealt with ( XXXX XXXX ). However all of this backfired when I received a call on or around XX/XX/XXXX from XXXX XXXX XXXX, warning me to NOT accept any calls from XXXX XXXX ( the lawyer who I signed contract with and was supposed to represent me ) and that he was a thief and the company had to file a complaint against him. Well this was my red flag to leave, especially when monies were not recovered and recuperated as I was initially promised. So I wrote the company a letter in writing, asking to terminate contract and for my money back ( as outlined in contract ). The representative responded back and denied me my refund ( violated contract ) and then made up some legal jargon to try and justify the retainer and monies that I gave her, and even threatened further legal action against me. The lady who responded ( XXXX ) is NOT the lawyer, but she began to say that merchant would be responsible for refund, not banks ( this is not the understanding XXXX and I had ). But she only said this after XXXX XXXX with my then lawyer, XXXX XXXX, failed and we did not recover funds as outlined. XXXX is the one that told me if things failed with the banks, we could sue the company, but with XXXX gone, I realize that I was suckered into being apart of some other scam again ( sadly, the reason why I came to them for representation in the first place, from another company ). I have since filed a complaint against this lawyer and have attached this documentation too.
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| 01/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Changes in terms mid-deal or after closing
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Web |
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My son purchased a car from XXXX XXXX XXXX in XXXX Ohio about a year ago. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. This dealer is part of a larger group of dealerships all under XXXX XXXX XXXX based in XXXX. Long story short, my son and I traveled from XXXX XXXX to XXXX OH to buy a used car from XXXX XXXX. We only made the XXXX hour XXXX XXXX because my son filled out a credit application online and I was included as cosigner, and they told us we were pre-approved. He was having a difficult time because his credit wasn't very good and he just turned XXXX. First, and unbeknownst to me, the finance department made me the buyer and my son the co-buyer. We told them that I'm only cosigning for my son, several times. We spent a couple of hours with the sales person and were concerned we might have a difficult time driving home from XXXX to XXXX due to the change in the weather. Then suddenly, we were whisked into the finance department. There were so many documents to sign, it was very difficult to interpret what all of these meant as they shoved a pile of papers to sign and we were never told that I was to be made buyer. I thought I was signing as a cosigner. We later found out that we also paid for a XXXX XXXX " appearance warranty '' for {$240.00}. I'd never pay for this. We had numerous conversations with the dealer because we had a XXXX hour trip and didn't want any snafus. My son was clearly the buyer. No way would we have committed to all of this if we knew I was the actual buyer. In fact, I've used Ally before for a car loan in the past and was never even late on one payment. My son hasn't driven the car in over XXXX months. It's just parked and in the same condition as when we purchased it save for about XXXX miles. The attached communication clearly shows that the car dealership knew my son was the buyer before the purchase and before that we made the long drive.
To make matters worse, however, they sold us a car with a significant performance-based modification. They never disclosed this. We're not mechanics, I can't open the hood of the car and determine if there had been modifications. They certainly knew it and admitted as much just a few weeks ago. So, my son drove the car back to XXXX and I followed him in my car. After a few weeks of driving, a mechanic told my son, " that's really loud, you may have trouble getting the car inspected. '' He looked under the hood and told us this car had been modified. We looked into it further and compared my son 's car to others of the same year/model and it was definitely different under the hood. So, now my son tries to sell it and he can't. Potential buyers won't touch it for several reasons, the primary one being the engine compartment had parts that didn't seem stock. Also, others commented that a street racer probably owned this car and had it modified. My son never got the car inspected or registered because he was afraid of assuming any liability.
Then, about that same time, months ago, my son lost his job and couldn't keep up with the payments to Ally Financial, the auto lender. So now, Ally might repossess the car. We communicated this to Ally but I'm not sure they care. Keep in mind that, since they have me as the buyer, my credit score is taking another hit as is my son 's.
XXXX XXXX XXXX refused our offer to just turn it back into the dealer and walk away. We just wanted to be made whole. Eventually, they did offer to buy it back between $ XXXX and $ XXXX. Keep in mind, we had purchased it less than a year ago at around $ XXXX. T We don't want this to happen to others and would appreciate your involvement. I can give you all of the details.
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| 04/24/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
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Business Information Business Name : Ally Financial, Inc Address : XXXX, MI XXXX Phone : ( XXXX ) XXXX Complaint Details I have had Ally since XXXX when I got my van. I set up auto pay through my bank with a set amount for each month. In XX/XX/XXXX I did a split payment and actually increased the amount to be given. The second payment was not posted to my account and I was marked as being late with a late fee and a negative credit rating change along with collection calls. In XXXX a single payment was submitted also with an increased amount this was also not posted and again my account and credit ratings negatively were impacted. In XXXX I submitted a payment of less the over pay from XXXX and XXXX this was posted to my account. I have made numerous calls and emails to the company along with calls to my bank and my bank calling the company submitting proof of payment and my bank being able to show proof that each of the 2 checks that were not posted were signed for and that XXXX 's was cashed but not posted. My bank ( XXXX ) has submitted this documentation to Ally on multiple occasions and a second check and stop payment on the XX/XX/XXXX payment that was signed for but had no further actions as well as the proof of check received and cashed for the XXXX payment. I have been on the phone more times than I can count and have had several collection calls as well as my credit reports are showing that I am moving towards the 60-90 day late. My account has yet to reflect that the full payment and amount was done and on time in each on the months of XXXX, XXXX and XX/XX/XXXX. I want a letter of apology for the incompetence this company has shown and the negative impact it has made on my life with my credit ratings and reports. Because of this I have been denied refinancing and other credit.
I sent in a complaint to the XXXX but due to the fact Ally nearly refuses to comply with any written response no resolution has been made.
I was contacted by Ally following the original complaint and told all of my concerns were seen and would be fixed, however nothing has been fixed. We were able to find 1 area of issue that seems to be getting dealt with but only because I have MY financial institution of XXXX XXXX XXXX ( XXXX has been amazing in all of this ) helping me where they are able to. I am still having issues with getting Ally yo follow through.
Desired Outcome/Settlement Desired Settlement : Correction to my credit reports.
I am requesting that my Ally account and all of my credit reports be updated immediately to reflect the company 's ( Ally ) errors. I want all late fees removed I want my credit reports to indicate that Ally has failed to do their job correctly and that I have not been non-compliant and I am up to date and in full and on time with all of my payments. I want my XXXX payment to show in all areas I was in full and on time. Same with XXXX and XXXX and XXXX. I want days late to be fixed showing on time and in full on all of my reports with no indication of being late. I need the appropriate payment amounts to be applied to the proper billing dates. $ XXXX/XX/XX/XXXX $ XXXX/XX/XX/XXXX $ XXXX/XX/XX/XXXX $ XXXX/XX/XX/XXXX Complaint Details Nature of Complaint : Billing or Collection Issues Billing or Collection Issues Date Problem Occured : XX/XX/XXXX XXXX XXXX Date ( s ) Complained : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Purchase Date : XX/XX/XXXX XXXX XXXX Salesperson : None Provided Complaint Details ( cont. ) Product/Service : Vehicle XXXX XXXX XXXX XXXX # : None Provided Order # : None Provided Purchase Price : XXXX Payment : None Provided Check Disputed Amount : XXXX
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| 08/19/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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XXXX : Ally Financial Inc Account Number : XXXX I confirm that I have received correspondence via the Consumer Financial Protection Bureau by Ally Financial Inc. dated XX/XX/XXXX wherein you refer to the above captioned matter.
The original contract that Ally Financial Inc. has produced shows agreement between XXXX XXXX XXXX and the Consumer. This misleading contractual agreement that has been presented to the consumer without full disclosure is in violation of 15 U.S. Code 1692e ( 7 ) this is a disservice and disgrace towards the consumer .and his/her informed use or consumer credit. ( See Exhibit b ) The statement Ally Financial Inc. has provided states that this contract was later assigned to Ally Financial Inc . This was done willfully without full disclosure to the consumer and original creditor. This is a demonstration that the contract agreement in which you have provided, is in violation of 15 U.S. Code 1692e ( 6 ) ( b ). This misleading transfer of security interest is an unfair debt collection practice towards the consumer and the nonconsensual distribution of personal consumer information from XXXX XXXX XXXX to Ally Financial Inc. is prohibited under 15 U.S. Code 1692e ( 10 ). Who authorized this transaction? I did not consent for my personal information or my credit card information ( SSN ) to be used, sold or transferred to Ally Financial Inc. during this consumer credit transaction between XXXX XXXX XXXX and myself. The transfer, and conspiracy to use of my credit card information is protected by 15 U.S Code 1644 ( a ) ( b ) ( c ) ( d ). This misuse of my nonpublic consumer information violates 15 U.S. Code 6801 ( b ) ( 3 ). Non-disclosure and unauthorized use of consumer nonpublic credit card information is prohibited. The term unauthorized use is defined under 15 U.S. Code 1602 ( p ). There is no Authority without consumer consent. This conspiracy of willful deception is Identity theft and fraudulent, a disgrace to informed consumer credit and each violation is fineable.
The contract in which Ally has produced shows finance charges of {$5100.00}. According to 15 U.S. Code 1605 ( a ) the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents XXXX including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. The finance charge is the sum all charges. I have extended my credit I shall be financed for thus extension of consumer credit. I demand All Payments bbe refunded to the consumer under 15 U.S. Code 1692h.
The correspondence Ally has provided in accordance with the repossession on XX/XX/XXXX, proves the unlawful threat and seizure of consumer personal property. Late charges were reported to the consumer reporting bureaus without the consumers consent and without a federal court order, federal grand jury or subpoena in violation XXXX XXXX XXXX XXXX XXXX b ) ( ii ). This has caused a detriment to the consumer, his consumer report and use of credit extension, the loss of personal property and personal finances in redemption on that property. This is unlawful harassment and prohibited under 15 U.S. Code 1692e ( 4 ).
XXXX XXXX
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| 05/15/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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Dispute case # XXXX with Ally Bank Chicago Police report # XXXX A wrote a check to a home contractor for an unusually large amount of money given my account 's history. The check was stolen from the mail and then " washed ''. It was discovered once the funds had been withdrawn from my account. Judging by the check images, it should have been obvious this check was fradulent with several indicators.
I reported the fraud just a few days after the check had been deposited. The Fraud Specialist told me I'd receive a call from an Investigator within 1-2 business days and that was 8 days ago. The bank has not reimbursed me for the check that was not properly payable, of which they are responsible to do under the Uniform Commercial Code section 3-406.
I have called several times seeking information on when the Investigator will call me or when, more importantly, I will be compensated for the fraudulent check the bank allowed to be paid. All I have gotten in response is an ambiguous explanation that the bank the fraudster deposited the check into had recovered partial funds and was investigating. No information on how much was recovered or when the funds would be returned. Even at that, Ally is still responsible, and they are now just giving me no new information and no call from anyone at the bank with further information.
Ally 's agents have said on more than one call that it is out of their hands now and the other bank is the blocker. That isn't true however under the UCC as this was a check alteration. I am now just getting the run-around and do not feel the bank will handle this on any reasonable timeline in accordance with the UCC.
XX/XX/XXXX at XXXX - reported the discovery of washed check. The XXXX closed my existing checking account, transferred those funds into a new one. Gave me the dispute # above and told me an Investigator would call within 1-2 business days.
XX/XX/XXXX at XXXX - Talked to XXXX in Fraud Prevention. Was told they wont be providing a provisional credit as XXXX XXXX was able to partially recover funds and its in their hands now, and that they had up to 180 days to transfer those funds. I instructed her that there are rules XX/XX/XXXX at XXXX - Talked to XXXX in Fraud Prevention . I asked again for any more information on when XXXX XXXX would return funds or how much it the partial recovery was for. He had no further details. He instructed me that escalation process includes leaving VM with supervisor and they would call back within 24-48 hours. XXXX from XX/XX/XXXX call did not instruct me of that or transfer me to that VM. I left a VM with fraud prevention escalations that I would file legal proceedings if funds are not returned within the 10 day window pursuant to UCC code and that the check was not properly payable and so Ally is responsible.
XX/XX/XXXX at XXXX -Talked to XXXX in fraud prevention. Not helpful at all. Just said the Investigator would need to call me back, no timeline for it. Offered no solutions. It would be up to the investigator on when they were to call me back UCC Section 3-406 Customer Duty of Care Pursuant to UCC Section 4-401, a bank may only process and deduct from a customers account checks that are properly payable. A check containing a forged drawers signature is not, of course, properly payable and can not be charged to the customers account. However, under UCC Section 3-406 a bank paying a forged check drawn on a customers account may be able to escape liability for returning the funds if it can demonstrate that the customer failed to exercise ordinary care and thereby contributed to the forgery or alteration of the instrument.
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| 12/06/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Reference : XXXX I purchased a XXXX security System direct from their website, www.reolink.com on XX/XX/XXXX. The security system was shipped, and I received it about a week later on Friday XX/XX/XXXX. The security system was shipped only using thin plastic wrap around individual product boxes. The boxes I received came severely damaged, and the seals broken ( see pictures in attachment ). I reached out to XXXX customer service, which is where this entire issue arose. It is very hard to find a phone number to call reolink, as their main method of contact is an email address. After finding the support number, I called and it would not connect or ring. As if the line was disconnected. I kept trying and trying ( see pictures in attachment ) until I finally connected to somebody within the customer service department at reolink. This person asked me to send the pictures to an email address, and they would be reviewed. This email address was for the technical support who takes care of returns or exchanges. The first response from the technical support team had asked me to open the cameras to troubleshoot. I opened the cameras and the XXXX recorder, and this is when I learned then product does not work. The XXXX is completely dead. I emailed back tech support, and they gave me an XXXX, but no return label. Per their return policy ( https : //reolink.com/warranty-and-return/ # For-Manmade-Defective-Products ) : If the product is defective ( not artificially damaged ) when you receive it, within 30 days of delivery, you can return to Reolink and get a full refund or replacement. XXXX are responsible for all shipping fees.
The price to ship this heavy system back to reolink is around $ XXXX. I have had multiple conversations, and phone calls with support, where they agree these items are damaged. They informed me the only way of returning anything is through tehnical support, whom they only have email contact with. They then just re escalate my case, and the same technical support rep ( Yogurt ) keeps telling me to help them confirm they are damaged by troubleshooting. They have asked me to go to great lengths just to prove this system is not working, to get them to honor their return policy. He has asked me to spend multiple hours troubleshooting, and to record videos and upload them to www.wetransfer.com, a website I have never heard of, nor trust. Why am I spending my time trying to prove my case for a return? I have tried everything to get the company to honor their return policy. I am requesting a chargeback for this charge as the merchant is not honoring their return policy, and is unresponsive to any attempts to mitigate the situation. I am also attaching the email conversations and receipt of purchase for evidence.
When I opened the dispute with Ally bank, I called the dispute department and opened the case. The representative from Ally told me to keep the items until the resolution is resolved. Ally took a very long time to come to a conclusion, and each time Ally states that I did not have enough information or evidence to support my claim. The seller did not offer any recourse for return. The cost to return the defective product is very expensive, and per the XXXX 's own terms and conditions, XXXX is responsible for all shipping charges for returning a defective device. Please see the attached evidence which shows XXXX is not honoring their return policy, and I have no recourse for return. The Ally rep mistold me to keep the items until the dispute was completed. This was over the phone, and those phone calls should be recorded.
https : //reolink.com/us/warranty-and-return/
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| 01/14/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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In XXXX of XXXX I began a 3 year lease through Ally Auto for my XXXX XXXX XXXX XXXX. On XX/XX/XXXX I traded in my car early. The XXXX dealership provided me with a check for the remaining payments, of {$1100.00}, so that I could pay the remaining balance and close out the account. After receiving the check, I made an online payment through XXXX XXXX XXXX on XX/XX/XXXX for {$1100.00}. Being so busy and hectic, the next day, on XX/XX/XXXX, I made a duplicate payment for {$1100.00}. On XX/XX/XXXX, upon reviewing my bank balance, I realized my error and contacted Ally about refunding me. First they said my money was now in a security deposit and could not be refunded to me until my car was auctioned, sold, and reassessed. They said at that time it would be determined how much I would be refunded, if any. When I argued that they had no right to keep my money which I double paid in error, and requested a refund, they said that wouldn't be possible and told me to call my bank and ask them to stop the payment. I called the bank and they could not stop the payment, as ALLY both had already been cleared. My bank and I called Ally together and were told the same thing, that they would not be able to refund the duplicate payment, and that it would now be placed in a security deposit until the car was auctioned and sold. I was told that once the car was sold, the car would be inspected to determine the amount I would be refunded, if any at all, of the money that was paid accidentally, TWICE. I responded that I had already received the notice in the mail, dated XX/XX/XXXX, that the assessment had already taken place, and that I owed {$300.00}. XXXX for wear and tear. The representative continued to repeat herself that this was company policy and I would not be receiving my DUPLICATE payment until the car went to auction, was sold, and reassessed. After a very lengthy discussion, they finally agreed that I would not need to wait through all of that, and that they were required to hold my money for 10 business days, but at that time, on XX/XX/XXXX, the check would be written and would appear back in my account no later than XX/XX/XXXX. I asked repeatedly if they could guarantee this, and they finally agreed. However, this only happened when I called with my bank. When I called without representation, I was given the same run around. I assured them that if I didn't see the money in my account on XX/XX/XXXX, I would be calling back with my bank. They assured me the money would be refunded by then. On XX/XX/XXXX, the money was not in my account, so I called back with my bank as I said I would. At first, we were told there was no record of my double payment. After waiting on hold for a ridiculous amount of time and being transferred multiple times, we were given the same story about the car going to auction, etc. I stated that I had already been through all of that and the representative just kept repeating the same thing over and over. When my bank representative asked when the car would be going to auction, she said that she had no way of knowing, and that even when it did, that there was a guarantee I'd get my money back. I was told that this was my error and that was the policy. When I pointed out that I had been through this same discussion before and that after arguing and refusing to accept them taking my money, I was told that I would receive this refund by XX/XX/XXXX. They refused to acknowledge this and claimed that it wasn't stated anywhere on my account. When I demanded to talk to the supervisor, after being placed on hold again for an extended period, they actually disconnected the call.
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| 10/31/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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I returned a leased XXXX XXXX XXXX XXXX in late XX/XX/XXXX. The lease initially ran through XX/XX/XXXX, but I was able to extend the lease into XX/XX/XXXX. My lease, which I signed on XX/XX/XXXX, was for XXXX miles per year. The vehicle had XXXX miles on it at the time of leasing, so my maximum allowed miles on the lease is XXXX ( i.e., ( XXXXXXXX XXXX XXXX ) XXXX XXXXXXXX ). When I returned the leased vehicle, there were XXXX miles on the odometer. Both the lease holder ( Ally Financial ) and I agree on that.
On XX/XX/XXXX, I received a bill from Ally Financial that included a charge of {$810.00} due to Excess XXXX of XXXX ( @ {$0.00} per mile ). When I called Ally to inquire about why they thought I had excess miles when I clearly returned the car with fewer than XXXX miles, the person I spoke to said in their system they showed a lease with maximum allowed miles of XXXX miles. I do not know where that " lease '' came from, but it appears to be based on a XXXX mile/year lease option. Howevr, I find it odd that that false lease also shows the vehicle had XXXX miles at time of leasing, so it is very strange that the total miles allowed on that lease is XXXX when, if it were a XXXX mile/year lease, the total miles allowed would presumably be XXXX ( i.e., ( XXXXXXXX XXXX XXXX ) XXXX XXXX. Given that the total of XXXX is a strange lease amount for a vehicle that started with XXXX miles, I can only assume Ally somehow created an inaccurate lease or perhaps transposed a number with another lease. Regardless, the lease I signed and have in hand has total allowed miles of XXXX.
I brought this to Ally 's attention in XX/XX/XXXX over the phone, and was told they would check on it. I called again in early XX/XX/XXXX and no action had been taken. When I complained about this, they asked me to send a copy of my lease in an email. I did so on XX/XX/XXXX ( addressed to XXXX with attention to XXXX XXXX. I did not receive a response to that email. On XX/XX/XXXX, I sent a follow-up email noting I had not received a response and requesting an update. I got not response.
Throughout this time, I was receiving bills from Ally for the Excess XXXX charge ( the bills also had other charges on them for other lease end costs, which I paid in the amount of {$530.00} on XX/XX/XXXX ). In XX/XX/XXXX, I called to ask why I was receiving bills for this when I had provided evidence Ally 's data was wrong. The person I spoke to did not know but took notes about my dispute and escalated it for management review.
Throughout XXXX and XXXX, I had multiple conversations with Ally regarding the issue. Some of these calls were initiated by Ally reaching out to me to collect the amount they think I owe- in those calls I explained the matter, looked in their records, and saw it was under management review and told me it was still under review. I also called to check on the issue and was told it was under review.
Today ( XX/XX/XXXX ), I called to check on the matter again and learned that a manager named XXXX XXXX had denied my dispute and my account had been referred to a collections company. I did not receive any communication regarding the outcome of the management review and never had any opportunity to speak to somebody and explain that their data on file is inaccurate.
Throughout my time trying to work through this with Ally, I have spent hours upon hours on phone calls constantly getting transferred among departments. Nobody, through multiple calls over the last six months has been able to help with this other than to escalate it to management and to let me know it was " still under manager review. ''
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| 11/02/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
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Web |
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This complaint is for Plus Finance again due to me not knowing where to email other information. It's the same Company but a different complaint. Since being a victim of Identity Theft not once but twice within one year have put a strain on my credit so bad that i had to freeze my credit at all 3 Credit Bureaus. Therefore requesting settlements is my only option right now. A settlement isn't the full amount but Companies should consider that despite any setbacks and financial hardships that a customer may experience in their Life and although it's not the full amount Companies should consider it that a customer is still trying to do the right thing and pay off their account. This complaint is against Plus Finance again but this time for lying to the CFPB. Any Company that blatantly tell lies to the Consumer Financial Protection Bureau should be put out of Business. Plus Finance have lied to the CFPB and need to be held accountable.
On XXXX i received an email from the CFPB stating that Plus Finance requested that they be given more time to respond by the CFPB. Their request was approved. I called Plus Finance on XXXX and i spoke to 3 different agents. The first two agents told me said my settlement request was denied and a letter was sent to me yet the first two agents couldn't tell me what date the letters was sent on and played on the phone like little kids. I ecplained to this Company that i'm now PERMANENTLY DISABLED yet they refused to work with me. Any Company that have not one kind of program for if their customer becomes XXXX, Laid Off, or Death shouldn't be in Business. CLEARLY customers have been lied to by Plus Fibance. They never increased my acvount the other {$500.00} after keeping my account in good standing and they refused to Honor their own offer for a {$500.00} credit limit increase after 5 months of on time payments. I contacted Plus Finance on Thursday XXXX to check the status of my letter i sent requesting a settlement. The first agent wouldn't give me her name. I told the first agent that i sent a Correspondence letter two months ago. The first agent stated, " oh your settlement was declined and we sent you a letter. '' I then asked the agent " on what date was the letter sent? '' I requested that the first agent get a Supervisor which she didn't get one.The first agent couldn't tell me when the denial letter was sent out so she put the phone down and simply transferred me without asking me if i wanted to be transferred and she didn't tell me i was being transferred.
The second agent came on the phone. I hate repeating myself and i usally don't for anyone so i had to repeat the same information to the second agent. I told her about the letter i had sent two months ago. She then tell me basically the same thing that my settlement off was declined yet when i asked her the same thing and yet the second agent laid the phone down and started playing music in my ear. XXXX left me on a long hold.
The third agent name was XXXX who tried to Intimidate me by telling me do i know the calls are recorded which i informed XXXX that i'm always aware that calls are recorded. XXXX then ask me to be put on a hold for two minutes. I informed XXXX that i had a rod in my neck and my spine so i can't be on any long calls. XXXX put me on hold. It was longer than the few minutes she told me. XXXX then says Plus Finance did decline my settlement offer but there haven't been any letter sent out to me. This clearly prove that Plus Finance employees will blatantly LIE about anything including requesting more time. Plus Finance haven't reached out to me not one time.
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| 12/28/2015 |
Yes |
- Consumer Loan
- Vehicle lease
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- Managing the loan or lease
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Web |
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In XXXX of 2015 I returned my leased vehicle to an authorized dealer ( XXXX XXXX XXXX XXXX ) because my lease had ended. I complied with all instructions in the " turn in '' kit from Ally Financial and from the dealer. At that time I explained that I had misplaced one of the keys and was aware that I would need to pay for the cost of the key. A few weeks later I received a letter from Ally Financial outlining multiple charges related to the condition of the car. XXXX was for a dent and XXXX was for excess wear on the tires and as expected the missing key. I called Ally Financial immediately to let them know that I was happy to pay for the key, but that I had not turned in the car with a dent ( I offered to send pictures ) and that the car was more than XXXX miles under the allowable miles and had all recommended service at the dealership ( tires rotated and balanced ) and the tires were well maintained. I told them that I was disputing the charges for the dent and tire damage but that I was happy to pay for the key charge that I was responsible for. On the phone I was instructed that I could only appeal one charge at a time. I selected the more expensive of the XXXX charges ( tires ) and explained I would call back for the dent. I offered to send them all documentation relating to the tire care, pictures of the vehicle at turn in, notes from the walk-through with the salesman when I turned in the car - they never wanted to see any of this. Instead, a few weeks later I received a letter that they had credited me for the lost key ( the cheapest of the charges ) but that I was responsible for the others. I again called Ally Financial and was told that they did me this " as a favor '' and that my case was closed and that they were n't going to consider any appeals on my behalf. When I protested and told them that I felt I was being fraudulently charged, they told me that because I signed a financing agreement with my lease, and I drove the car- they did n't have to do anything about these charges. I allowed several weeks to pass where I notified the dealership of the situation and of my dissatisfaction. They told me that they were going to look in to the issue on my behalf. I have received multiple phone calls at home and on my personal cell phone from Ally Financial but I was not ready to discuss the issue yet. In XX/XX/XXXX I received a letter " NOTICE OF INTENT TO REPORT NEGATIVE CREDIT INFORMATION ''. I immediately called them to pay the balance and to let them know I was going to file this complaint. They asked me what they could do to make me less angry. I explained that I was willing to pay what I owed ( the key charge ) but that I did not appreciate them impacting my credit score and that their harassment and bullying needed to stop. So they reduced my charge owed again - which taught me a few lessons about this particular financial institution. Their charges are arbitrary - they are interested in collecting as much as possible from their customers whether owed or not. They will bully, harass and threaten their customers to get them to comply with paying charges, rather than considering the available information which may contradict what they are charging. When I looked on social media and the better business bureau about this particular company, I realize that I am not alone and that this behavior is typical. Customers deserve better. My concern now is that I am in another lease with them, as I picked out another car and agreed to finance with them at the time I dropped off my car as I was not aware of what it would be like to deal with them at the end of lease.
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| 09/05/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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I returned my XXXX XXXX XXXX ( which was leased from Ally ) on XX/XX/XXXX. The lease I had with Ally was their Smartlease product which allows for {$5000.00} for access damage at the end of the lease ( {$1000.00} per item up to {$5000.00} ). After I returned the vehicle they sent an inspection a couple of weeks later ( while the car was at the dealership ) and they found a scratch at the bottom of the front bumper. The inspector assessed the damage at exactly {$1000.00} ( $ XXXXover Ally 's limit to cover ) for that damage which by doing so requires me to pay the full {$1000.00} as if it was {$990.00} they would have covered it under the Smartlease. Prior to returning the car I took it to a body shop ( which I have a quote from ) which stated that to fix this scratch would have cost {$380.00} ( hence I retuned the car without fixing it knowing I have up to {$1000.00} in coverage ). Since Ally wouldn't come to terms or discuss this issue with me, I had to hire an attorney to represent me and on XXXX XXXX, XXXX I got a letter from Ally stating that they need my attorney 's information which I provided. My attorney sent them a letter with the quote received from the bodyshop to remove this bogus charge for {$1000.00} and Ally would not hear of it. It was obvious that this was done on purpose as the inspector could have easily listed the damage for less than {$1000.00} and no matter which bodyshop you do to, a damage is never quoted at a round number ( {$1000.00}! ) Finally they agreed to settle for {$430.00} which was sent in a letter to me on XXXX XXXX, XXXX. I paid the settlement amount on XX/XX/XXXX. Ever since I paid the full settlement amount Ally has completely messed up my credit score listing I had a late payment ( which is not true since the payments on the car where paid in full and it was only the disputed {$1000.00} which was not paid on time since it was being handled by my attorney - once I got the letter for settlement it was paid within 2 weeks ). In addition there are remarks all over my credit score that I settled for less then the amount owed and in some cases a late payment ( which is true however this creates a problem with my score ). I tried applying recently for the XXXX card which was denied since I have a late payment recorded on my XXXX report ( which again is not true ). Prior to applying for the XXXX card on XX/XX/XXXX I had a XXXX score ( sent to me by XXXX XXXX when they denied my application ). XXXX told me there is nothing they can do and that I should call XXXX. Once I called went the customer service rep said he knew exactly what the issue was and removed some remark from my account. That triggered a whole different problem in which my credit score then tanked to XXXX. I called XXXX and they opened and closed a dispute the same day. I currently still have this issue with Ally regarding late payment and settled for less the amount owed. I have now also been denied for refinancing on my mortgage due to this low score and Ally will not return my attorney 's calls. How can it be that a bank like Ally tries to rob me of {$1000.00} at the end of the lease, we agree to settle and then I have a credit problem for the next 7 years due to how they reported it? I should have paid the full amount ( not to mention the lawyer cost me more than the settlement ) as it is far more than the damage they have caused me, however this seems totally unfair that this is how such a company behaves and requires a customer to pay for things that aren't owed and if you challenge it and settle your credit score is doomed. They should be ashamed of themselves!
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| 11/13/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Older American |
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Ally Financial financed a XXXX I did not purchase and although I called them on several occasions to make them aware of same I was told it was too bad and it was between myself and the car dealership. I informed them that we never signed the finance papers and those were forged signatures and they continued to charge us, refusing to take the vehicle and give me back all of my money. On XX/XX/2016 I went to XXXX XXXX XXXX XXXX XXXX to purchase a XXXX XXXX XXXX with the VIN of XXXX. I was told if I got a copy of my husband 's drivers license I would be able to get free handicap equipment as he has XXXX XXXX and is totally XXXX. After going home and getting a copy of the driver 's license as requested by management, with them already knowing the car I had chosen, it took over four hours for them to PREP the vehicle. They kept telling me the car was being serviced only to find out the next day that the service department closed at XXXX XXXX XXXX XXXX. They claimed the car was not ready until XXXX XXXX that night. When I saw the vehicle I kept telling them it was not my vehicle that I purchased and they said the wheels looked different because all of the red mud had been washed off. The VIN of the vehicle gave me instead is XXXX. They forged my husband 's name on the paperwork for the XXXX VIN ending in XXXX as well as the finance papers to Ally. I informed Ally of this and they told me it was my problem. Therefore we have been paying for this vehicle since XX/XX/2016, as we had to while taking XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the owner to court. XXXX County Judge XXXX refused to take same and he and XXXX XXXX decided it should be in XXXX County with Judge XXXX. Judge XXXX let XXXX XXXX run the entire situation. I never had a hearing, a trial by jury ( although it was requested ), or anything that would show any fairness. I filed for Judge XXXX to recuse himself and he refused. I filed a stay and he went on with a trial to punish me anyway. Finally I received a notice that my case was decided for the defendant as the judge had no evidence. Problem the paperwork came from XXXX county Judge state court Judge XXXX XXXX XXXX. I looked on line and it actually says that my case was filed closed by my attorney. I was ProSe. I had no attorney at all.
I am going to Georgia Court of Appeals as Judge XXXX knew that both myself and my husband 's name was forged on both the contract for the car and the finance company Ally. Who by the way took the interest points up two points so XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX owned by XXXX. Again the forgeries were clearly there, my husband never went to that dealership, they have us signing things all the way up through XX/XX/2016. I had been cursed to my face, told to XXXX XXXX, as well as other names you do not call a XXXX year old woman. My husband never signed anything. The car ending in VIN XXXX was torn up inside, the interior locks were gone, ran pours into the vehicle when it rains, wires are showing and it appears as though the back upper part was hit by something tall. The FBI told me that forgery was not a crime when I called and explained it to them. I want justice. I will have to send all documents under separate cover.
In addition almost one half of every payment goes to interest. Neither myself or my husband signed this loan document, I have only signed one set of papers and none of them were for finances from any financial institution. Never signed loan papers. I have two sets of contracts and other documents, one for the the car I wanted ending in XXXX and another totally forged ending in XXXX.
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| 11/29/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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To whom it may concern I am sick at tired of companies like ally financial threatening me as the borrower for a repo with my car. And denied any type of assistance they are very very strict. They have humiliated me several times and discriminated me several times just today I received a phone call from a lady I dont exactly remember her name as we spoke, but she was very rude and ignorant. I tried to explain her my financial hardship situation as they were aware of it in a app message I sent them with pictures of my grandmother new XXXX and been hospitalized would have actually help me by providing them pictures so that they know that what Im saying isnt false. That everything Im goin thru at this time is affecting me with my payments. not only that but I told them my hardship situation and that I had hours reduce at work and that I was struggling to make my payments due to my financial hardship situation related with my grandmother health and getting less hours at work. At first I tought she would be nice and perhaps for once they would listen to me rather than denying me for assistance I was happy that finally after more than 2 weeks going to 3 week finally someone had contact me regarding my financial hardship situation and possibly find a solution for this matter, I tought ally would help me out and offer me to extend 2 months so that I can be current with my payments I first want to mention that they have help me before my grandmother health been going on for 6 months to 1 year but it is not my fault that things got worse and that my grandmother health is not getting any better since she is still hospitalized and under medications etc and all that isnt not free. It is very sad that such a great company like them are refusing to help me and to give me an opportunity by extending me 2 or 3 payment past due at the end of the loan so I can become current. They know what Im going thru at this moment which brokes my heart and they refuse to give me any help and are threatening me to pay all the past due amount in difficulty times like this one at this moment. Rather than help me out they most likely they want me to loose my car and possibly they waiting on giving me a repo on my car they are not giving me any options at all this people just want money money money.
I wish they understood my concerns and wish they honored me a work kit option I need assistance now they help me out before and I know they can do it now manager or supervisor can actually re write and extend the past due payments at the back of the loan. They have humiliated me what are they waiting for me to tell them that soon my grandmother might pass away if I dont continue helping her out she is the most important person for me right now and I want her to live that is why I want ally to help me get the extension. Yes again if they dont help me than who will I cant refinnace becUse they do t offer that option I wish they can reduce the late fees as well. Times like this is wen I need my them to help me out S I intent to get caught and get current with my payments. The representative I spoke to said that I need it to pay 2 payments and how on earth would I get 2 payment we are talking about 1,000 approximately I know Im behind ally and that is why i come to you to help me out. Not for you to denied me and humiliate me by your representative that are rude and ignorant that they dont care about people emergency people financial hardship.
I feel like ally representatives like to discriminate XXXX XXXX and humiliated them too.
I want s resolution I dont want to get. Repo I need assistance now.
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| 10/25/2016 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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On XXXX/XXXX/16 I faxed my daughter 's information concerning an on-going dispute on her account to Ally bank.My daughter called Ally on XXXX/XXXX/16, to find out if she needed to send more information and the status of her account.The Ally representative informed her that they had received the fax regarding her dispute and of additional documents she needed to fax/send in order to complete it and informed her that a deposit needed to be made into her account to bring it into the positive within the next 10 business days.I advised her that it might be best to transfer the funds from my outside bank account rather than deposit her checks as echecks due to the processing.She agreed.On XXXX/XXXX/16, I awoke and purchased a coffee with my debit card from my personal Ally account and it was declined twice.I did not have my phone with me so I was unable to check my account until I returned home.Upon returning home, I proceeded to check my Ally account to see my daughter 's Ally account closed, my husband 's and my joint account closed, and my personal account in the negative.I almost felt like I could n't breathe.Fortunately, my daughter was home so we called Ally together.We, of course, were directed to some call center in XXXX.Unfortunately, these representatives are ill-informed and give incorrect reasons regarding any bank issues.The Ally rep informed us that my daughter 's account was closed due to fraudulent charges having occurred on her account due to the dispute letter.This was wrong as I informed her.My daughter had a dispute due to the insurance information not fraudulent charges.After much back/forth ( very time consuming ), we were finally directed to a " supervisor '' .The supervisor advised us that my daughter 's account was closed and could not be reopened regardless of the outcome of the dispute.She told us that they were reviewing the dispute and that a decision would be made about 10 business days from the time they received the remainder documents requested.I then asked about my remainder XXXX Ally accounts, my personal and joint account that had been affected.First, why was the money taken from both of my accounts? Money had been withdrawn from both my personal account and my joint account with my husband.Lastly, my joint account with my husband had been closed and neither one of us was informed.How was this possible? No correspondence sent via email/mail, nothing.How/Why could they do this? I asked the supervisor to explain how my account had been closed in the process.She informed me that due to my joint account having a negative balance after withdrawing the funds for my daughter 's account that it had to be closed.I then asked, " Why is my personal account still open and it is showing a negative balance as well? " She could not answer.Both accounts had money withdrawn for my daughter 's account but XXXX of my accounts was closed with absolutely no notice nor were they ever planning on telling me.All of my work direct deposits run through this joint account and all bill transactions are set up through this joint account.It was closed with no notice whatsoever! The supervisor explained to me that maybe the Ally representative had " MISINFORMED '' my daughter of the 10 business days for her to deposit money into her account.Also, that Ally had made some " mistakes '' regarding certain information but the accounts would remain closed.What? Ally information was incorrect and yet we were suffering.This is WRONG! A bank can not close an account with absolutely no reason or notice! Banks have done some deplorable things but this takes the cake.
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| 08/22/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account status incorrect
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Web |
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I had a joint loan with Ally Financial. My ex-husband who was the joint signer filed bankruptcy. I had possession of the vehicle as awarded in the divorce decree. Due to his filing that I was unaware of, my online access was blocked and no bills were sent to me electronically or by mail. I contacted the comments as soon as I found I could not pay my bill online. Every time I called, I had to deal with the bankruptcy dept. even though I had no bankruptcy myself. With no notice of not being able to pay my payments other than by mailing them, I was refused billing documentation to show how my payments were applied to principal and interest.
My due date on my loan was the XXXX of the month. I verified my loan was paid off and closed on XX/XX/17. I have a 30 day late status being reported to XXXX as my current account status and 30 day late payments to XXXX for XX/XX/17 and XX/XX/17, as well as a status of repossession/redeemed. With a due date of the XXXX, its not possible for my loan to have been 30 days delinquent on XX/XX/17 and I didnt have a XX/XX/XXXX payment due, so it couldnt have been 30 days either. This issue has been disputed through the credit bureaus twice, starting over 60 days ago and my XXXX report as of today is still showing these late payments. I since requested copies of my payment history and original contract and I was on the phone well over an hour and transferred around repeatedly with no results. I should have the right to statements as well as payment history and to have my credit reports reported accurately within a reasonable time period, and its been over 60 days with multiple requests. Additionally, my vehicle reports as a repossession/redeemed. I made a payment arrangement which Ally agreed to for my payment within a few days if my balance reaching 90 days. Prior to that payment, they had my vehicle repossessed. While the company was there, they agreed I could call ally to verify the arrangement. When I called, Allys system was down and he could not verify the arrangement. I asked if he could take the payment right then directly from my account, and was told no because the system was down. I had to go the following day to purchase my XXXX back. When I arrived the next evening the vehicle was covered in mud, had cornstalks underneath and the gas gauge was nearly empty, nowhere near where it was prior to being towed. There was a cigarette burn in the seat, sticky beverage spilled down the door and was in four high in four wheel drive. It was a lifted wrangler that apparently was taken out and beat on, also being driven on dry pavement in 4wd. I had to have the transmission rebuilt, costing me {$2000.00}. The spare key fob was also taken out of the console by that company. I called ally, letting them know the condition of the vehicle and that I had pictures from before it left my drive to when I picked it up, they said there was nothing they could do, even though they contracted that company. I asked the representative the night before as well as that day if my payment arrangement could have been verified, would my vehicle have been taken, both said no, but again nothing they could do because their system was down. That was the first time the vehicle ever hit 90 days and I stayed in contact to make arrangements and to hold up my end of the contract. I can not add documents other than images from my credit reports to support this because the company has refused to provide me statements, payment history or a copy of the original contract. I did get an employee in the call center to verify date of receipt of payoff verbally.
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| 02/11/2017 |
Yes |
- Consumer Loan
- Vehicle loan
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- Taking out the loan or lease
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Web |
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Purchased a XX/XX/XXXX XXXX from local dealer, I got there to discuss details of the vehicle, test drive, etc, and was denied the opportunity to do at that I requested. I was there to be a co-signer for live in companion. Long story short they told me I had no need to go over what was already discussed between the buyer, dealer etc. So finally after hours of waiting to go in finance and never seeing or test driving vehicle, the finance manager proceeds to lay out non printed contracts and various other blank docs instructed to sign. I was so enraged with the whole deal that I quickly signed argued that it was against the law and also for them to not inform me that I was in fact the primary purchaser listed on the loan ( furious ). I sped out of parking lot only to return demanding the contract was to be ripped up and a new printed disclosed contract be done and then reviewed to sign ... .Throughout the ordeal the staff insisted that the car was a XXXX XXXX previously owned by the owners next door neighbor in XXXX XXXX ... .I told them to just stop the BS and inquired why there were no plates on the vehicle etc, The Sale XXXX at the desk rudely exclaimed that they 'll be in the mail in 90 days. I was also concerned of the financing, rate, term etc. So many laws broken or unjust, deceitful business practice. I find out that the vehicle is currently registered in Illinois as of XX/XX/XXXX and has not been registered in XXXX ever ( vehicle exported XX/XX/XXXX from XXXX imported directly to XXXX.
Also the vehicle was not registered from XX/XX/XXXX to XX/XX/XXXX
mileage history XX/XX/XXXX : XXXX miles XX/XX/XXXX : XXXX miles XX/XX/XXXX : XXXX miles XX/XX/XXXX : XXXX miles XX/XX/XXXX : XXXX miles The dealer that sold us the vehicle listed for sale on XX/XX/XXXX @ XXXX miles XX/XX/XXXX @ XXXX miles shows XXXX insp stat appeared to pass smog XX/XX/XXXX pre delivery etc, also than again shows Emission inspection performed ( why ) According to XXXX law buying and selling and out of state vehicle, especially one entering into XXXX and never registered in XXXX require certain documentation etc. States that the new owner has XXXX days to transfer ownership and release of liability, signed documentation from previous registered owner etc which I do n't see any record of being done, The plates are to be issued XXXX days on a used vehicle, not XXXX days as the dealer insisted.
I was preapproved with XXXX XXXX and showed the dealer this and asked if they could get the financing with them if possible, I was given the runaround and lied to about many things pertaining to the purchase. I have the buyer guide sticker from window which shows the vehicle as inventory and property of a different dealer across the street, they also changed the price by {$4000.00} more but forgot that the original price was also underneath on other page, ad online also was a different price, the finance company they went through was ALLY finance, at XXXX % x XXXX months on a XX/XX/XXXX XXXX ... ..I am sure that they increased the rate quite a bit which is against the law, also I later received a letter from XXXX XXXX stating that they had approved the loan but had n't heard form the dealer ... also stated that the terms needed to be adjusted according to price, rate etc ... ... .But the dealer lied and told me they would not consider or approve.
The vehicle was involved in a collision which declared the vehicle a total loss and the insurance paid the value of the vehicle which left us with a balance against the loan in the amount of approx. {$5500.00} @ monthly pay of {$870.00}
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| 01/17/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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My wife had a lease thru ALLY Financial. On XX/XX/2018 a driver struck my wife 's XXXX XXXX XXXX XXXX creating a total loss. The lease was still midway thru a 3 year lease. After the other driver was cited and contacting our insurance company they directed us to contact ALLY to get a payoff amount so we could search for another vehicle promptly. On XX/XX/XXXX I contacted ALLY financial informing them of the accident and requested the amount owed to ALLY for the vehicle so we could tell the insurance company. They provided us an amount of {$26000.00} was owed on the vehicle. XXXX XXXX valued the vehicle at {$30000.00} which would pay {$29000.00} after deductible. This made somewhat sense considering i put over {$3000.00} down on the vehicle on top of taxes and fees and we receive employee pricing with XXXX. We in turn had to immediately purchase another vehicle as once the vehicle is deemed a total loss the rental car is no longer covered. We took the amount ALLY provided us and used the {$3500.00} difference between that and what we would recieve from the insurance company towards another car. This is where myself and the insurance company are dumbfounded as ALLY would not give the insurance company a payoff amount. They said the insurance company must provide them with there payout evaluation so ALLY could provide a payoff amount. XXXX sent them the payoff amount of {$29000.00} and in turn ALLY sent them a letter of guarantee to release the title for the car for {$29000.00}. ALLY very conspicuously said there accounting department valued the car to the penny the same as XXXX 's payoff amount. We contacted ALLY notifying them of the error and this is where the predatory practices get really bad. ALLY transferred us to there total loss department. That department confirmed the payoff amount was {$26000.00} but once the vehicle is deemed a total loss it is there policy to collect the full amount the insurance company is willing to pay. I point blank asked them if the amount i owed them at the time was {$1000.00} would they be requesting the {$29000.00} from the insurance company and to my chagrin the female employee stated yes that is our policy. To be clear while leasing a {$35000.00} car whether you put XXXX dollars down or {$30000.00} down ALLY 's standard practice is not to accept what is owed to them it is to financially XXXX victims of accidents of the entire settlement amount to replace there vehicle. We have contacted ALLY with the insurance company many times and the adjuster is mindblown that ALLY wont give them a payoff amount and will only state they will accept the entire check for the vehicle to provide a letter of guarantee. I believe ALLY FINANCIAL is financially bankrupting, assaulting and taking advantage of consumers in there toughest times thinking these consumers will just take give in. I am more then happy to pay them what is owed which they confirmed on XX/XX/XXXX and XX/XX/XXXX to be {$26000.00} so all parties can move on from this but ALLY now will not discuss the matter with myself, XXXX XXXX or anyone else besides to say we sent a payoff letter and you can pay that. I have instructed my insurance company to put the claim on hold until this matter can be amicably resolved. But these predatory practices needed to be brought to the Consumer Financial Protection Bureau 's attention so that the thousands if not millions of ALLY costumers aren't at risk of this fraudulent activity. I dont know how to pay ALLY and move on from this situation and either does XXXX XXXX. Hopefully this process will alleviate this issue.
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| 05/27/2022 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
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on XX/XX/22, My husband and I sold our home for {$150.00}, XXXX. I called Ally bank on XXXX and advised of amount of wire coming in and how much, also inquired about if it was anything I need to provide the title company ( who handled the sales transaction ) to make the wire smooth and not a issue. I was advised by customer service rep, all I needed to provide was ALLY routing number and my account number. I provided information to tittle company and wire was processed and completed. I was able to check my online banking on XXXX & XXXX and wire amount of {$150.00}, XXXX was in there, I made a wire transfer of {$50.00} of the {$150.00}, XXXX to my husband account on XXXX and it stated it was processing. On Monday XXXX, I attempted to log into my account and was not able to access it. I called ally cust service department and was informed I had to speak with someone in the Loss Prevention Department. I was transferred and finally after 30 minute of holding, Ispoke with a " XXXX ''. XXXX was very rude, condescending & unprofessional from the beginning of the conversation. He advised me that I was the one in Fraud and i needed to listen to him, I advised him that my dad don't even talk to me like that and he stated " he should have told me to listen '' I asked if I could speak with someone else. He put me back in the call que and I waited for another 30 min, got a young lady named XXXX, she put me on hold for 15 minutes and phone hung up. I called back and held on for 30 more minute and XXXX came on the line. I explained to her situation and she advised me that my account has been frozen for fraud, i asked her why no one had reached out to me about it. she stated that I would need to provide where i got money from, she send me a email to upload it on. I uploaded document. I called back to see if they received it and i was told it was in review. I have called and called ALLY to see when my my money would be available to me and they will not give me an answer. I was told if i called back before investigation was over, it would loo suspicious. I had other monies in this account and i cant access it as well. At this point, I don't know if my money is in the account. They have failed to communicate with me via phone or email to let me know my account was in suspicion nor have they treated me with professionalism. I was told from one rep because of the newest trend of hacking and because I have never had that amount of money put in my account, that's why its it could be fraud. I understand if thy have to ensure it not fraud due to govt regulation.. But 1. I called and advised of the transfer & inquired about the steps and procedures before wire 2.Why no one called me if they thought it was suspicious activity on my account, like most banks do.
3. Why are they not allowing me to access my other money that was already in account before the wire came through.
XXXX. I have provided them proper documentation for the wire, why I still have no access to my money or even can see my money.
XXXX. Why I can't get a day when my funds should be available.
XXXX a supervisor or a XXXX haven't contacted me concerning anything about my complaint/issues or my continued effort to get this resolved.
XXXX. Why have i been treated like a criminal when all i did was sale a home and got the proceeds sent to my account i have with them. I transfer XXXX to XXXX a month via my direct deposit from my employer and this has never happened to me.
XXXX want to get my funds and close this account asap I have attached all forms given to them to show money is my money.
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| 11/16/2022 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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|
Web |
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I am writing this complaint because of the extreme difficulty I am experiencing in interacting with Ally Bank to unblock my long-held savings account to allow me to withdraw money from my account.
For background, I have banked with Ally Bank for many years, opening my online FDIC-insured high-yield savings account with them in XXXX, so my relationship with the bank is not new.
Recently, XXXX XX/XX/XXXX, I attempted to make a large withdrawal via wire from the bank, to send the money to another account I own with a well-known and regulated US brokerage firm. There were problems with the initial wire information I had been given to provide to Ally, which sometimes happens, so I called Ally to resolve it. Not a big deal. On that call, Ally 's customer service was understanding about this and just directed me to give her the updated external account information for where I was attempting to wire funds ( which was to a prominent U.S. brokerage account ). We ended that call positively and I was still able to access my account at that time.
However, just after I attempted this wire to withdraw my money from my Ally account, and shortly after I spoke with customer service, Ally suddenly blocked my login and access to my account completely. My account has been blocked for nearly 1 week. I have called their customer service phone number several times now, specifically yesterday and today, waiting on hold for upwards of 1 hour at times, only to be told after many attempts that my savings account is " under review '' with their Fraud department and that it will be up to " 30 days '' before I hear back on whether I get to access my account or not.
( There was some discussion that there may be security issues with the device I am logging in from, however that was strange since I am logging into their systems the same way I have been, using the same devices, and using the same ISPs as I have for the past 2 years since I last moved. There should be nothing to review and I have never heard Ally raise such a security/login concern before. ) I am very concerned that Ally Bank is suddenly blocking my account at precisely the time I am attempting to make my first withdrawal since I opened my account in XXXX.
The security concerns they have indicated to me seem to be oddly timed, given that they have never previously blocked my account or raised security issues with the devices I use to login to it online for the past 6 years, but only have raised such a concern within the same week that I attempt to withdraw money from my savings account.
I hope you can understand my frustration and suspicions about the timing of the account block that Ally have put in place. I am attempting to move money between two US accounts, both with prominent financial institutions, to accomplish my personal financial goals, and I am being stopped by a regulated bank ( Ally ) and given a strange explanation for it, and a 30-day timeframe for finding out if the account will even be unblocked -- let alone for allowing my withdrawal. This is completely unreasonable. It is quite simply a barrier to withdrawals of deposits that is inconsistent with their status as a savings banking institution that is otherwise solvent.
I would like CFPB to look into this, or at the very least, to be aware of this situation in case it is affecting others and raises other regulatory concerns that I may not be aware of myself. I would be unhappy if other American citizens holding protected funds in American banks were placed in my current situation. Thank you for your consideration.
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| 08/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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In response to Application Number : XXXX CFPB Number : XXXX Letter revised : On XX/XX/2023, I went into XXXX XXXX XXXX XXXX to see about the possibility of purchasing a vehicle. I was never given a form to sign stating who I am applying for a car loan with. I was though given a piece of paper to sign labeled XXXX stating that XXXX XXXX XXXX XXXX is helping the government to fight terrorism and I would need to show my driver 's license to identify myself. Document XXXX also states that I am opening an account with no explanation of what kind of account and what that account includes. Remember I was only shown a document labeled XXXX and I will solemnly swear under oath and with a lie detector to that fact After spending about five minutes hearing XXXX XXXX XXXX XXXX the numbers around in loan likening. I finally got up and headed home. When I returned home, I saw that there were seven banks on my Experian account that said I applied for credit with them. XXXX XXXX XXXX XXXX was the only place I visited on XXXX. So, I did make a report to the XXXX XXXX Attorney General of California, and when I received a mailing from The California Office of Attorney General in the return mailing back from The Office of Attorney General California it shows that XXXX XXXX had slipped two other documents that I was not shown on XX/XX/2023. On the second page labeled XXXX Dealer Track it shows I am applying for credit to such financial institutions on behalf of themselves and the dealer. What does that mean? Are all the bank 's loan companies going along with this? Once again, I was not shown this document labeled XXXX. On attachment B shows XXXX XXXX 's statement to the California Attorney General 's Office that he did not inform me of any extra banks that I was applying for a loan for. I find that what XXXX XXXX did was deceitful in doing one thing : demolishing my credit report with numerous bank loans. bank loans that I did not authorize, may I remind you. I have been denied credit for what I believe is from the inquiries. On document labeled attachment B, it shows that XXXX XXXX 's statement says he was showing me loan likening. I attached a copy of my credit report I t shows that I have a sixteen-year credit history with XXXX accounts that have ever reported me late I also I on car loan I paid off in XXXX and XXXX car loan current and in good standing. I have one open credit card with a {$7000.00} credit limit and a balance of {$110.00}. Does this look like someone who does irresponsible things with their credit reports? I can submit my current XXXX Credit Report to prove it. I can submit a document stating that I sold my XXXX at XXXX the next day. It shows XXXX paid off the car loan I currently had which then left me with {$8200.00}. I have also enclosed a document stating that I purchased a beautiful XXXX XXXX at XXXX XXXX XXXX XXXX on XXXX. I can submit documents showing that I paid the IRS taxes in the last two years. I can submit documents showing that I worked as a humble Door Dash delivery driver for the past two years plus. I can submit all these documents to show I take my business. I also see that XXXX XXXX XXXX XXXX uses a system from a company called XXXX XXXX XXXX XXXX. They say their service provides car dealers with a soft inquiry to help the consumer as I am to be decided a credit loan offer, I want. That is not what XXXX XXXX XXXX XXXX did. Because on my XXXX Credit Report there is a hard inquiry from XXXX XXXX XXXX and seven other banks on the day of XX/XX/2023. Please check web site yourself www.nccdirect.com
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| 01/25/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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Complaint # 1XXXX Violation Of State Rules ( XXXX ) Violation of any Advertising Rule ( XXXX ) by any licensee shall be considered a prima facie violation of XXXX. XXXX ( XXXX ) or XXXX. XXXX ( a ) ( XXXX ) ( D ).
RULES OF THE ARKANSAS XXXX XXXX XXXX RULE XXXX ADVERTISING XXXX. ADVERTISING GUIDELINES FOR SALE OR LEASE OF NEW AND USED MOTOR VEHICLES : A. General Advertising Guidelines ( XXXX ) The advertised price of a motor vehicle must be the full cash price for which the dealer will sell or lease the vehicle to any consumer and shall exclude only the following charges : ( a ) State , county, local and other applicable taxes, ( b ) License fees, and ( c ) Title fees.
Charges including but not limited to dealer service and handling fees, freight and transportation fees, and preparation fees must be included in the advertised price.
*Retail Installment contract contains a separate dealer service and handling fee of {$120.00} outside of advertised price.
B. False or misleading advertising.
( XXXX ) Licensee shall not use false or misleading advertising.
( XXXX ) All advertising shall be in plain language, with disclosures of material facts that are clear and conspicuous and non-deceptive. By way of example and not limitation, the following are in violation of this rule : ( a ) Direct statements or reasonable inferences that have the tendency to mislead consumer ; ( b ) Advertising whose overall impression has the tendency to mislead consumers ( c ) Disclaimers or disclosures that contradict, confuse, or unreasonably limit or significantly alter a principal message of an advertisement ; ( d ) The failure to make clear and conspicuous disclosures of limitations, disclaimers, qualifications, conditions, exclusions or restrictions ; ( XXXX ) Statements susceptible to both a misleading and a truthful interpretation ; and ( f ) Deceptive statements, even though the true facts are subsequently made known to the consumer *Car was in need of painting and XXXX stated that they would take care of it without charge. Later, {$790.00} added.
Complaint # XXXX Violation of Federal Rules # 1 The Gramm-Leach-Bliley Act ( FTC ) Financial institutions covered by the Gramm-Leach-Bliley Act must tell their customers about their information-sharing practices and explain to customers their right to " opt out '' if they don't want their information shared with certain third parties.
*I was never presented with an opportunity to opt out # 2 Truth In Lending Act Subpart CClosed-End Credit XXXX General disclosure requirements. ( a ) Form of disclosures. ( XXXX ) The creditor shall make the disclosures required by this subpart clearly and conspicuously in writing, in a form that the consumer may keep. The disclosures required by this subpart may be provided to the consumer in electronic form, subject to compliance with the consumer consent and other applicable provisions of the Electronic Signatures in Global and National Commerce Act ( XXXX XXXX ) ( XXXX U.S.C. XXXX et seq. ).
XXXX. Docs were not received Timely. I Signed Electronically XX/XX/2022 but never received an electronic copy. Paper copy received @ XX/XX/2022.
XXXX. Auto Fraud. Documents changed to reflex a new {$790.00} charge for new paint/coating for car that I was told would be done by the XXXX of LR, no charge. Therefore, my signature was carried over to new docs without my consent.
XXXX. XXXX XXXX XXXX a. numbers are misrepresented. Original Car price was {$28000.00} not {$29000.00}.
b. Retail Installment Sale Contract calculations are not accurate.
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| 01/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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For the past year, I have been working hard to get information that is being inaccurately reported off of my credit. I have called hundreds of times to credit agencies as well as creditors with no resolve. The statuses of my accounts are completely wrong to where the accounts are negatively impacting my credit score.
I have contacted the companies directly on various occasion via phone, I have disputed online, and I have contacted the credit bureaus and all I am being told is to contact the other companies. This has been done numerous times with no resolve. It is at a point now there I had to enroll with a credit repair service in order to handle all of the work that it has taken to handle the dispute process surrounding these incorrect items. It should not be this hard to update inaccurate information.
There are quite a few of my accounts currently in dispute for the 3rd and 4th times around ( possibly more ) because the companies are not accurately investigating these disputes. The turnaround on some of them is 2 days after the dispute is entered. For instance when I called XXXX ( XXXX XXXX ), I was told that the system automatically chooses the last dispute results. Sadly, this has been the case with many of my disputes. They are not being taken seriously or properly investigated.
XXXX XXXX- I have been removed as an authorized user as of XX/XX/XXXX verified by various calls to XXXX XXXX with the most recent this month and it is still reporting to all 3 credit Bureaus. They refuse to send the electronic verification to the bureaus.
XXXX XXXX is reporting 60 days late XX/XX/XXXX and XX/XX/XXXX on all 3 bureaus. I added a payment account via phone with a representative. The rep. inaccurately entered information. As a result, payments were returned from my old bank account but I was never notified by XXXX XXXX that my payments were not being made. In doing research on this company, it was found that this is one of their predatory lending practices. The card remained open until I was able to close it with no penalty.
XXXX XXXX is reporting 120 days late to all Bureaus, I called to have this account closed. Was under the impression the account was closed. It was not. Therefore the continuing of billing kept going. When I looked at my credit report one day, I saw 120 days late and opted to call the company and this is where I learned the account was still open. I dont even understand how they allowed the account to go 4 months with no payment and no contact to me. It remained open for 2 months following in order for me to pay the balance down. I then closed the account completely. Only to find that the account was still open so I had to call back and have it closed again.
XXXX XXXX XXXX also has inaccurate late payments reporting to all Bureaus.
XXXX, XXXX, and XXXX refuse to update these account statuses which have been pending investigation for months : XXXX ( discharged in Chapter XXXX ) I have no further dispute with this outcome.
XXXX ( discharge in Chapter XXXX ) I have no further dispute XXXX has no status.
Ally Financial ( on all 3 reports ) was included in my bankruptcy and therefore should not be reporting the late payments for this account as they are still looked at as a factor in my current credit profile. Only the high and low balance should be reported.
XXXX will not update my name. I have sent my Florida Drivers License to the credit Bureaus as well as the company associated with the incorrect name. They refused to remove the name XXXX XXXX. I have never gone by that name.
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| 07/13/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Charged fees or interest you didn't expect
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Web |
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According to 15 U.S. Code 1601 ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices.
On or about XX/XX/2021 i allegedly signed into agree with Ally Financial XXXX XXXX XXXX XXXX. Over 1 year later i noticed that the sale tax for the purchase was excessive the total amount for the vehicle was {$24000.00} and the tax sale for New Jersey at the time was XXXX at which the sale tax amount should be {$1500.00} Ally Financial and/or XXXX XXXX XXXXXXXX rather charged me {$1600.00} for the sale tax. This wrongful sale tax was converted over into the amount financed within the truth in lending disclosure. The total amount for the amount financed within the truth in lending disclosure was {$19000.00} this amount however can not be accurate as mandated by the TILA ACT because the wrongful tax sale charge is included which violates the TILA ACT because it protects me from inaccurate and unfair practices.
On or about XX/XX/2021 i allegedly signed into agree with Ally Financial XXXX XXXX XXXX XXXX. Over 1 year later i noticed that the sale tax for the purchase was excessive the total amount for the vehicle was {$24000.00} and the sale tax for New Jersey at the time was XXXX at which the sale tax amount should be {$1500.00} Ally Financial and/or XXXX XXXX XXXXXXXX rather charged me {$1600.00} for the sale tax. This wrongful sale tax was converted over into the amount financed within the truth in lending disclosure. The total amount for the amount financed within the truth in lending disclosure was {$19000.00} this amount however can not be accurate as mandated by the TILA ACT because the wrongful tax sale of {$1600.00} is included which violates the TILA ACT because it protects from inaccurate and unfair practices. The total amount financed with all prior items added including the outstanding balance and the " CORRECT SALE TAX '' would be {$18000.00} rather than XXXX an {$1000.00} difference. I would have not signed the contract had i realized this Fraud in the inducement.
Ally Financial violated the tila act because it created and furnished an account with third parties credit reporting agencies experian, XXXX and XXXX as a consequence of my late payments. However the " Retail Installment Sale Contract Simple Finance Charge '' stated that " if payment is not received in full within 10 days after it is due, you will pay 5 % of the part of the payment that is late. If the vehicle is for primarily personal, family, or household use and the cash price is {$10000.00} or less, the charge for each late payment will be {$10.00}. '' Ally Financial unfairly deviated from the contract by creating, furnishing, and disseminating my late payments and debt to XXXX parties without my knowledge or consent or court order. If i would have been informed that Ally Financial would create, furnish and disseminate this info to the above XXXX parties i would have not signed into contract agreement as i allegedly did.
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| 08/18/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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Hello, I have leased XXXX XXXX XXXX XXXX since XX/XX/XXXX, financed by Auto financier Ally. Due to the current pandemic condition, I lost job and tried finding one to my best. Since I am an XXXX XXXX, I need to find a job within 3 months to maintain my XXXX status or I need to leave country within 3 months after losing job. My deadline to leave country is end of XXXX.
So, I tried transferring my lease and found 5 potential buyers from an online platform. Then, I called Ally to guide me through the lease transfer process. Since XX/XX/XXXX, I have contacted them for more than 6 times over call and the only response I got until now is - " We have suspended the lease transfer process and we dont have any timeline on when we will resume '' Since I can't stay here XXXX after XXXX, my only option left is to " leave the car and go back to XXXX XXXX '', as I am not getting any response from Ally to transfer the lease.I also requested to provide extension for my payment for the months for XXXX and XXXX, while I hope they resume lease transfer process, I got a response as to pay half of my monthly installment of those two months before 10 days of my payment due date ( my due date of payment is XXXX of every month and I requested for extension on XXXX of this month ).
So, they were telling to pay within XXXX to obtain relief for these 2 months. Since, I currently don't have that much money to pay for that concessioned amount, I could have arranged some if I had given 10 days of extension after my payment due date. So, in my case what they call " extension '' is of no use and asked me to pay now to obtain that discounted monthly installment, which I felt was not fair. ( I have attached my chat screenshots for your reference ).
I also let them know that, I am in a very difficult situation that, I couldn't afford to pay-off the rest of money left on my lease, as without the job, it's very hard to even support my living here. So, requested multiple times to provide approval for lease transfer. But, only action from their side was to provide direct contact to their " Lease transfer department '', which was of no help as a response from the other end is - " We are currently out of Office, Sorry ''.
So, I got to know about CFPB from one of my potential buyer and I tried contacting Ally again by emailing about the situation. Their email response timeline says - Please allow 2 Business days for a response and I emailed them on XX/XX/XXXX and now it's XX/XX/XXXX. It's more than 3 days with no response and I have a very short time left to leave the country.
I really want to settle things legally and to best of interest of both myself and Ally. If I was allowed to transfer my lease, Ally would got their rest of monthly payments and and I could go peacefully, carrying out all things per the regulations.Since I am not getting " no help '' from Ally, I had to reach out to CFPB, with great hope to get settled with my issue.
I have also let Ally know that, I am aware of CFPB and would file a complaint if I don't receive any support from them, for which I didn't receive any response.Kindly help me and allow me to settle things to my best possible efforts.
Brief description of my car lease Specs Summary 1. Model - XXXX XXXX XXXX XXXX XXXX 2. Color - XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. Mileage - XXXX ( as of XX/XX/XXXX ) 4. Total miles included - XXXX or XXXX + XXXX ( excess protection ) = XXXX 4. Monthly lease - {$430.00} with Ally 5. Remaining Months on lease - 19 months 6. Damages - None and single hand
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| 12/07/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
Servicemember |
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On XX/XX/2023 I for the first time ever signed into ally bank mobile app and went into the XXXX feature in the ally bank to transfer {$330.00} Dolllars to a known family member, before I could send it because it was my first time using this XXXX feature in the app it prompted me to sync my contacts from phone to the app & I did so, I was then able to find the known family member listed as my synced contact First and last name & clicked on it to transfer {$330.00}, after confirming it was sent successfully it stated the full name and number it sent too, I did not look twice because I knew it had synced and numbers looked correct the first time I checked but after 10 minutes of waiting for confirmation that my family member received the transfer, I checked back 2 times on the app now worried where it was since its supposed to be an instant transfer & while double checking in the synced contacts the recipients number was all but one number off the correct number. I then immediately called ally bank on XX/XX/2023 to dispute this transfer and try to figure out why the contact number information was wrongly synced by the app, they stated they dont have an answer for it and will try to investigate the matter. the next day XX/XX/XXXX I reached out to the individual who received the funds via text & to my surprise they were cooperating and helpful they confirmed they had received the funds and that they would immediately call there institution XXXX XXXX XXXX to reverse the payment back to my account since it was a mistake made by the app not syncing contacts correctly, On XX/XX/2023 I received a letter from Ally bank stating that there would be no provisional credit given to myself for there error and that they would continue to investigate. on XX/XX/XXXX the individual who received the funds by error, Received a letter from XXXX XXXX XXXX stating that the {$330.00} was debited from there account due to a misrouted transfer. I received this information and contacted ally bank on XX/XX/2023, and stated to them over the phone this information that I was given by the recipient from there bank, On XX/XX/XXXX, I received a letter from ally that the investigation was complete and they found that this transfer was authorized and not made in error confirmed by the recipient. I immediately got on the phone with ally and informed them of the letter from XXXX XXXX XXXX that this was sent back to my account due to a misrouted transfer. Ally then put in a new dispute to try and investigate if XXXX XXXX XXXX actually reversed the funds & On XX/XX/XXXX I was on the phone with ally again inquiring about the dispute and my funds that were supposed to be reversed and available weeks ago according XXXX XXXX XXXX reversing the transaction, I then was able by the help of the recipient who got the funds in error, to provide the trace number, case number and transaction number from XXXX XXXX XXXX confirming that they did indeed debited the account and revered the transaction back to my account, I provided all the details of this to ally on this date XX/XX/2023 over the phone & they told me they will yet again investigate and try to find where the funds are, it is XX/XX/XXXX & I have followed up with ally bank weekly since XX/XX/XXXX, and have been told that they dont know where the funds are and are not allowing myself to speak with the dispute team that handles these matters due to there company policys. Ally to this day XX/XX/XXXX are still stating no answer and referring me to XXXX XXXX XXXX & vice versa. Please help
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| 06/22/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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I am writing to address a concerning issue regarding my auto loan and the payment processing that took place on XX/XX/XXXX. On that day, I submitted the correct payoff payment of {$80000.00} through my Ally online account for my new vehicle loan. I received a confirmation email from Ally stating that the payment was successfully scheduled for that date and that Ally had received payment. However, on XX/XX/XXXX, I discovered the payment had not processed back in XXXX.
On XX/XX/XXXX, I serviced my vehicle at the same dealership where the vehicle was purchased. I went to see the finance manager to see why I had not received my unused gap insurance refund, being I paid off the vehicle. He asked what the date of the payoff was, which I could not recall, so I logged into my Ally online account. I was alarmed to learn that my vehicle was in danger of being repossessed, as indicated by a message on my online account. This news caused me significant anxiety and stress, especially considering the personal, family, health, and work-related items that were in the vehicle. Additionally, upon checking my credit score, it dropped from over XXXX to below XXXX, further compounding the negative impact of this situation.
Upon realizing this, I immediately contacted Ally to understand the situation. I later discovered that the payment had not been processed due to the removal of my banking information from the account before the payment could be completed at XXXX. The banking information was only removed after Ally e-mailed me the payment received confirmation.
Payment could not be made on XX/XX/XXXX, because the account was locked out. To rectify the issue, I made two payments totaling {$80000.00} on the morning of XX/XX/XXXX. I spent hours that day repeatedly calling Ally to ensure that my vehicle was no longer at risk of repossession. Eventually, I spoke with XXXX XXXX, a representative who assured me that my vehicle was safe and understood the circumstances surrounding the unprocessed payment. XXXX mentioned that she would add notes to my account to mitigate the negative impact on my credit score and work towards resolving the remaining balance caused by these circumstances. She informed me that someone from escalation would contact me on XX/XX/XXXX, but I never received that call.
Despite leaving voice messages at the provided number ( XXXX ), I did not receive any callbacks. Today, on XX/XX/XXXX, I am disappointed to see that the matter remains unresolved, and according to the account statement, there is a payment due on XX/XX/XXXX.
I feel misled by the payment received confirmation email I was sent, which led me to believe that the payment had been received and processed successfully on XX/XX/XXXX. Nowhere in the email was it stated that I should refrain from deleting my bank information until the next day. I had every intention of paying off the vehicle, and I even sought a refund for the unused gap insurance from the dealership finance manager.
This situation has caused me additional financial costs, a negative impact on my credit, and a significant waste of time. While I bear the consequences, it appears that Ally stands to collect wrongful additional fees and interest from me as a consumer.
I kindly request Ally 's immediate attention to this matter and a swift resolution. It is crucial that we rectify the credit score damage, address the outstanding balance, and prevent further negative consequences. I trust that Ally Financial will take the necessary steps to rectify this situation.
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| 05/07/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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On XX/XX/XXXX I purchased a new 2018 XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX dealership in XXXX, Missouri. Upon securing financing through Ally Financial, XXXX, Finance Director explained that an additional {$4000.00} was also approved by Ally Financial to finance accessories, warranties, etc. Finance Director lead me to believe that since vehicle, though new, was a 2018 model and three-year warranty would expire in XXXX in order to sell me the extended warranty for {$2600.00}, which I did purchase. Said amount was added to vehicle loan balance. XXXX XXXX, Sales Manager at XXXX XXXX, called on XX/XX/XXXX to explain that my down payment of {$6000.00}, paid with certified funds, had been misplaced and could I replace the certified funds. Upon verification from my bank that funds had not been deposited by dealership, certified funds were replaced. On XX/XX/XXXX when I delivered reissued certified funds to XXXX at dealership, I explained that XXXX, Finance Director, had misrepresented when factory warranty would expire and I would like to cancel extended warranty and apply the {$2600.00} for extended warranty toward Missouri Department of Revenue sales tax. XXXX said he would check on this and get back with me. He called shortly thereafter and explained that upon cancellation of extended warranty, {$2600.00} would be deducted from balance of loan and could not be applied to sales tax. On XX/XX/XXXX I called Ally Financial to verify this information and was told that there would be no problem with Ally Financial issuing a check to Missouri Department of Revenue for {$2600.00} upon cancellation of extended warranty, however, this process would have to be initiated by dealership. I called my salesperson, XXXX XXXX, for help with this and conveyed to her my conversation with Ally. She called me back and stated that my request was not possible and that {$2600.00} would be deducted from balance of loan. On XX/XX/XXXX I called Ally Financial again and spoke with XXXX who verified that my request could absolutely be granted and gave me explicit directions on how to proceed. XXXX also gave me an overnight address that the dealership should send request and warranty cancellation funds. Directing to overnight address would ensure that warranty cancellation funds would be reissued to Missouri Department of Revenue. I emailed XXXX XXXX on XX/XX/XXXX with warranty cancellation and request to reissue funds to Missouri Department of Revenue along with instructions from XXXX at Ally on how to complete these requests. XXXX also explained to me that it could up to three weeks for completion of these transactions. I followed up with Ally on XX/XX/XXXX to verify completion of my requests and was told warranty cancellation funds of {$2600.00} had been deducted from loan balance and no funds were forwarded to Missouri Department of Revenue. On XX/XX/XXXX I called Ally Financial again and requested to speak to a supervisor and was transferred to XXXX. XXXX reviewed notes in my account and agreed that Ally should have issued check for {$2600.00} to Missouri Department of Revenue and would submit request for this error to be rectified. XXXX called me back on XX/XX/XXXX to explain that request had been denied. I conveyed to him that this was difficult to understand as I followed instructions given to me by Ally Financial. XXXX agreed and resubmitted request which was also denied. Ally Financial provides inconsistent answers and policies each time I call them and I find this frustrating and unacceptable.
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| 07/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Billing dispute for services
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Web |
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Ok On my credit report it shows two accounts for XXXX XXXX and a whole bunch of others accounts that were opened individually under my name, now I just recently went through a divorce so I didnt payed much attention to it because ex wife just picked up and left so I got left behind with all the bills, house, car payment and utilities so in the end I had to sell the house because ex wife wanted her part ok fine so I sold it, then I knew my credit was bad didnt found out it was that bad XXXX credit score so I spent about XXXX plus to bring it up to a XXXX with in 3 months, so now again slowly but surely is going down now I had to close down my business and relocate also because I couldnt afford now I have no money business is slow, and cant even afford my car payment, so I been monitoring my credit through XXXX for about 8 months now but I payed extra to have all 3 houses monitored got me a couple of secure credit cards and still is just like yea some of the accounts are gone and some just switched over names but still my total debt is XXXX XXXX dollars and now I really see that is exhausting as in theres no point on fixing my credit because someone did fraud on my credit and still are doing it, now if it wasnt because of the XXXX breach, I have accused two of my ex buddies XXXX XXXX also he was my ex employee, XXXX XXXX XXXX which he was an ex deputy and also denies of him doing fraud, I also suspect of ex girlfriend after my divorce XXXX XXXX XXXX or ex wife XXXX XXXX keep in mind XXXX worked for government so I know he knows access to programs which can reveal info or knows some of his friends, ex wife XXXX also can get a hold of sensative Info through her work because she works hand to hand with XXXX in a shelter home here In AZ called XXXX XXXX XXXX, and XXXX can also get info about loans and credit reports because she is a sells person for XXXX XXXX XXXX a car dealership here in AZ but what seems weird to me some how all the prove that I been gathering in the past 8 months is all some how connected with each other to all four of those people so Im praying to XXXX it wasnt them because then ive Wrongfully accuses innocent people but then if it wasnt them then who and trust me I have over 1500 pages of solid prove from wrong phone numbers to wrong addresses but they all were and still are affecting my credit which now I feel like Im drowning slowly with debt I didnt even open or had anything to do with keep in mind all of these have my SS number even though they deny it XXXX because ex wife used to pay my bills with obviously my own money, XXXX because I co signed it for a vehicle for him as a friend, XXXX because she did lived with me for about 3 months so she did what ex wife was doing and had access to my XXXX account i dont how but she did, and XXXX well I found paperwork in my desk of him trying to open up a car dearlership license throughout mi EIN now it could be all four and I have prove to prove it or it could be the XXXX data breach because why would XXXX paper on my XXXX report I dont care who it was I just want compensation, lost time, all the money that I have spent and time on credit monitoring services that theyre not just working I mean for my credit score to be at a XXXX again and me having no money to pay for my daily expenses I think is unfair and just wrong for anyone to mess and ruined someones elses life for either greed, envy, or retaliation so again thank you for hearing me out and I hope hearing back from you guys have a blessed evening
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| 03/25/2019 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Dear Sir or Madam : Your office has contacted me about a debt you claim I owe but which I have no knowledge of, nor did I consent to opening this account. My identity was stolen after my wallet was stolen with my social security card and drivers license. The purpose of this letter is to dispute this debt, which I do not believe I owe, and to request that you validate it by providing the documentation and information requested below. This is not a refusal to pay, but a lawful notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Section 809 ( b ) that your claim is disputed, and validation is requested.
Pursuant to Section 809 ( b ) of the Fair Debt Collection Practices Act : If the consumer notifies the debt collector in writing within the 30-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
Accordingly, please provide me with the following : 1. A detailed accounting of what the money you say I owe is for ; 2. A detailed explanation of how you calculated the amount you say I owe ; 3. Copies of any documents with my undisputed wet ink signature, that prove without a doubt I agreed to pay what you say I owe ; 4. Identify the original creditor, the original date of the account and provide their current contact information ; 5. Proof that the Statute of Limitations has not expired on this account ; 6. Documentation showing that you have the legal right to collect this debt ; 7. Documentation showing that you are licensed to collect in my state ; and 8. Provide me with the contact information for your Registered Agent for Service of Process I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and I know that because I have disputed this debt in writing within 30 days of the date of your bill, you must obtain verification of the debt against me and mail these items to me at your expense.
Additionally, you can not add interest or fees except those allowed by the original contract or state law. While you are not required to respond to this dispute, any attempt to collect this debt without validating it violates the Fair Debt Collection Practices Act.
Also, be advised that I am keeping very accurate records of all correspondence from you and your company, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX.
I have disputed this debt ; therefore, until validated, you know your information concerning this debt is inaccurate. Therefore, if you have already reported this debt to any credit-reporting agency, such as XXXX, XXXX or XXXX, then you must immediately inform them of my dispute with this debt.
Furthermore, reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. If your offices have reported invalidated information to any credit reporting agency, said action might constitute fraud under both Federal and State Laws.
Thank you for your cooperation,
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| 06/08/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
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I had a car financed with Ally which my son was in an accident which was the other driver 's fault, this occurred on XX/XX/XXXX. This has been a total nightmare. At the time of the accident the car could not be driven, it was taken to a towing company the same day. My insurance company was waiting on the at fault driver 's insurance to be verified before before they would pick the car up. I received notice on XX/XX/XXXX from the towing company that the car would be deemed abandoned if it wasn't picked up by XX/XX/XXXX. The at fault insurance company was notified of this notice. They were in the process of making arrangements to pick the car up from towing company and to be taken to a collision center. Before they could pick the car up ; Ally picked it up. I contacted Ally insurance claim department they said they didn't know the car had been involved in an accident. Even after speaking to them I then received a notice that they planned to sell the car. After Ally picked the car up it was taken to several auction sites. Finally, the at fault insurance was and to retrieve the car and take it to a collision center for estimates of damage. The car was totaled. Upon the car being totaled we learned the at fault insurance had made payment in XX/XX/XXXX and was waiting on XXXX to make payment. After making several calls on and off to Ally and XXXX from around XX/XX/XXXX through XX/XX/XXXX ; XXXX was waiting on information they requested from Ally. The last request XXXX asked for was in XX/XX/XXXX from Ally that they needed a PDF of the payment history, Ally never did provide it. I ended up sending it to XXXX myself. After XXXX received it they issued a check on XX/XX/XXXX. This has been a very frustrating experience. I received a breakdown of the payment from XXXX and it looks like everything has been settled leaving a XXXX balance. Since this incident in XX/XX/XXXX, it has been reported negatively on my credit report. I mailed a letter to Ally on XX/XX/XXXX with the details as listed here. I mailed a hard copy of a letter to the CEO of Ally on XX/XX/XXXX and emailed a copy on XX/XX/XXXX. I also left a message at the XXXX 's office on XX/XX/XXXX. I received a call on XX/XX/XXXX from the XXXX office. On XX/XX/XXXX I received a call from Ally. I told them I was not satisfied, that Ally was making it seem as the the car was repossessed and sold. The car was involved in an accident, if it has been repossessed the car insurance and XXXX would not have been involved. I asked Ally on XX/XX/XXXX of a breakdown of how the funds were applied from the insurance company and XXXX. To date ; XX/XX/XXXX I still have not received it. I have experienced with Ally the lack of knowledge dealing with this situation and in dealing with the various departments. Even with my conversation with a representative from Ally executive office on XX/XX/XXXX admitted himself that how things were done and applied internally at Ally that the executive office wasn't accepting the answers from the various departments. I am asking for this to be removed from my credit and that Ally remove the repossession off my credit as well. This should be a XXXX balance according the the breakdown I received from XXXX on XX/XX/XXXX. If possible I do not wish the speak to the representative in the executive office I have been speaking to, When I spoke to him on XX/XX/XXXX I asked if I could speak to someone else, he said he would have his supervisor to call me ; to date, XX/XX/XXXX I have not heard from his supervisor.
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| 06/19/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
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Complaint against Ally Auto : Who is the compalint againest : Their representatives and Ally Auto in general.
( Have not been able to get a call back from a rep for months.
I sent a payment in the amount of {$420.00} by XXXX XXXX back in XX/XX/XXXX. I called Ally Auto after sending the payment, I gave them the pin number from the XXXX XXXX so they can receive the payment. However the payment was never put in. Which they have notes from the conversation in their system from XX/XX/XXXX that I called in regarding XXXX XXXX but no Payment code. I did not start seeing the late payment or fee 's on my online account online till XXXX and XXXX of XXXX. I never received a letter or even a phone call saying they never received my payment or anything. And luckily they never came to repo my car. Another thing I don't understand if they never received a payment. Wouldn't that be what they do? All their calls are recorded and documented. I also had one rep tell me the good thing was that no payments was considered 30 days past due. After speaking to another rep today. XX/XX/XXXX they told me a totally different story that because of this XXXX payment I have a late payment for XXXX, XXXX and XXXX of XXXX. Again when i called in I got a totally different story like usual. I have requested for a call back for over 2 to 3 months now and have not received one. When i have called back in to ask why i never received a call I was told once that they returned my call but I am on a different time zone so they could not reach me. Which is XXXX XXXX because I did not have any missed calls or voicemails. I want to speak to someone from Corporate. Not someone from the XXXX XXXX that just repeats the same XXXX thing every time i call with the same answer as the last person. I feel like they have a script in front of them that they just repeat. Because out off the hundred times I have called nothing changes they all say the same XXXX! I also have contacted money gram and have gotten no where. Since I sent it from XXXX I have to go threw XXXX and of course their employees have no XXXX clue whats going on and tell me to contact money gram. So last month I asked how much was the past due amount I owed so I could pay it. The girl tells me a amount and when i log in this month again I have a late payment. No one seems to care that there is XXXX of their customers money just gone. At this point I have been lied to so much that i don't trust any of these people. And wouldn't be surprised if someone at Ally 's has not pocket my payment. I am filing a complaint on all parties. I am also contacting a lawyer because I can not believe a company can do what these company 's have been doing is even allow and not some how illegal.. I feel they didn't tell me so they could hit me with late payments each month to make extra money. Every time I called in the reps can tell how much I owe.So why didn't they tell me about this for months and even when i called in XXXX I was lied to. It was not till XXXX that a rep finally told me what the real story was.they didn't for months. Which is very odd!!! But they cant seem to get someone from Corporate on the phone. The supervisors are no better then the reps. I wouldn't be surprised if it is the reps playing like their supervisors. Because I got the same dame repeated message from the one supervisor that they finally got on the line today XX/XX/XXXX, after for over 3 months for a call back. I just want real answers and to not to be lied and XXXX XXXX around.
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| 10/31/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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On XX/XX/XXXX I applied to extend my credit to purchase a used XXXX XXXX XXXX XXXX # XXXX, with XXXX XXXX XXXX XXXX and Alley Finance. On this day I was not disclosed ant of the disclosers required by law, Right To Recission XXXX XXXX XXXX as well as XXXX XXXX XXXX, where it states in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest, including any such interest arising by operation of law, is or will be retained or acquired in any property which is used as the principal dwelling of the person to whom credit is extended, the obligor shall have the right to rescind the transaction, I was never disclosed or made aware of any of this. It states that the creditor shall Clearly and conspicuously disclose, in accordance with regulations of the XXXX. XXXX XXXX XXXX XXXX and Ally Finance violated several federal violations & codes in the process of financing me this vehicle. I have tried teamwork this out with both companies and resolve this issue with both XXXX XXXX XXXX XXXX and Ally Finance but nothing has been worked out. Ally Finance continuously make attempts to collect a debt that I'm not responsible for. I have made aware several times of the federal violations they have and continue to violate and still we have not resolved this issue. Im continuously being threatened to have my car repossessed. I have brought to their attention of the multitude of federal violations they are violating such as ; 15 USC 1605a, Finance Charge, 15 USC 1605a ( 4 ) fee for an investigation or credit report, 15 USC 1605b ( 1 ) Life, accident, or health Insurance premiums included in finance charge, 15 USC 1605e Fees or premiums for title examination, 15 USC 1605e ( 6 ) Credit Reports, 15 USC 1605f ( 1 ) Tolerances for accuracy, 15 USC 1605 f ( 2 ), 15 USC 1605f ( 2 ) b, 15 USC 1635b, 15 USC 1692e, Misleading Representative. The list of violations go on with all the false and deceptiveness. XXXX XXXX XXXX XXXX and Ally Finance and I enter a Retail Installment Sale Contract. My information was shared with other agencies without my consent, which also violates Federal Code 15 USC 1681b Permissible purposes of consumer reports and 15 USC 6802, Obligations with respect to disclosures of personal information. I am now receiving emails and calls with voice messages threating to to repossess my car without resolution to the matter. The Fraudulent Retail Installment Sales Contract is governed by the Truth in Lending Act. This Contract is also evidence by the FTC holder notice 16 C.F.R.433.2 which states that this is a consumer credit contract, and that the respondent is a " holder in due course '' in accordance with the UCC-3-302 ( a ) ( 2 ) ( i ) and is subject to all claims which the debtor could assert against the seller in accordance with the FTC holder notice 16 C.F.R. 433.2 During this consumer transaction XXXX XXXX XXXX XXXX and Ally Finance committed many violations including miscalculations and mislabeling the H-1 Credit Sale model form. To go any further, 26 C.F.R. 15a. 453-1 ( e ) ( 1 ) ( i ) states, " a bond or other evidence of indebt issued by any person and payable on demand shall be treated as payment in the year received, not as installment obligations payable in future years '' The respondent knew that the contract itself was a payable instrument which paid for the vehicle and failed to disclose this to the consumer ( myself ). This is a violation of 15 USC 1638.
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| 02/09/2017 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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I requested for a hardship payment assistance with ally financial on my car payment for two months deferment and was told that they can assist me. The Lady told me that with the program they have, I can just pay the interest only for the two months but I told her that I had lost my job and do n't have any money to pay. Then I asked for a supervisor, another lady got on the phone and we talked about the same thing and she said that in order for me not to pay for those two months and the mature date be extended, it has to go through a review process and will be notified in 48-72 hours. Two days later the lady called me to tell me that I was approved for the payment extension and I do n't have to pay anything for now till XXXX. But to my surprise, I kept getting about XXXX calls from them everyday. At first I was not picking up because they were not leaving messages and I was thinking it was a marketing call. So one day I picked up the call to tell who has been calling me to stop and was told it was ally bank in regards to my auto loan. I told them that I was approved for a payment extension and the man said I was not and after going back and forth for about XXXX mins, he said oh I see it and it was the customer service department that approved it for me and I have to contact the customer service department to tell them about forwarding the approved to the collection department. It sounded like I was been dreaming when he said that. I was upset and hung up the phone on him for saying that. Their calls get on going so I picked it up again and a lady started with the same I do n't see you been approved for any program. So I requested for a supervisor and a lady by the name of XXXX in XXXX came after about a min and half of me talking she told me that the car is not mine, my story is wrong, told me I was been harassed, and they do n't carry any program as the XXXX I said I was approved for. I was shocked and told her so Someother person in the company had confirm seeing the agreement for her to just. She told me that she checked and hung up on me. While I was calling to get their corporate number to complain, a lady by the name of XXXX called me and said she got an email to contact me on my issue. I asked her who sent her the email, she said it was a system email with no name. I spoke to her about my frustrations and how I have been spoken to by both their service rep and supervisor and she said she wanted to assist me. They said she sees the approved agreement that those other were not properly trained to go deep into the system to get the information. She said that she was fixing the issue but she has to put in another request in their system to be able to clear the issue and for me to make the payment online which I did that day and she would contact credit bureau to delete the derogatory in my profile. Today, I noticed that the payment I made for {$440.00} was applied to interest and none to my principal balance and my loan and added additional two months to my maturity date, and that I still have late fees of {$44.00} to still pay even though XXXX said it was their fault, they lied to me. I want them to honor the two months no payment agreement originally approved, credit by principle balance, clear off my the negative payment history with the credit bureau, delect the late fees of {$44.00} because I was not late per approved agreement and compensate me for their wrong doing of insult, harassment, negligence, and increasing my current medical situation.
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| 08/08/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
Servicemember |
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In XX/XX/XXXX I leased a Chevrolet Cobalt with GMAC for the period of three years and paid for the vehicle upfront. Two years later, I joined the XXXX XXXX and had my father return the leased Cobalt at the appropriate time and place. My father did just that. Learning that the Cobalt was delivered on time is where the story ended for me. However, in XX/XX/XXXX, XXXX XXXX ( XXXX ) contacted me in a harassing manner demanding that I owed {$2300.00} for the Chevrolet Cobalt. There was no additional information provided, but I quickly forwarded the information on to my father regardless to see if he could shed some light on where this " debt '' may be derived from. My father reported back to me that he had spoken with XXXX XXXX, and that they told him that they would take care of the accounting error. This is where the story starts to effect me.
XXXX XXXX, XXXX, I was contacted by XXXX XXXX again in regards to this debt of which there is no explanation. Additionally, this is eight years after the vehicle was returned and GMAC has since gone out of business. GMAC has merged with Ally Financial, but Ally Financial refuses to assist me with this issue. They have told me that " our ( Ally Financial ) third party collection agency ( XXXX XXXX ) is handling this account, and there is nothing they can do to help me delete this debt from my record. '' After repeatedly trying to work this misunderstanding out with XXXX XXXX, I was told by the collections agency that " there is nothing we ( XXXX XXXX ) can do because we report directly to Ally Financial. We do not even have the authority to report to the credit bureaus. We report directly to Ally Financial. '' I have recently looked into my credit report, and I was shocked to see that there is a Charge Off from GMAC of {$2300.00}. This account was taken care of many years ago. Furthermore, Ally Financial has no information for me in their system. The only information Ally Financial has at this point on my supposed account is what I had personally given them when I opened a complaint regarding this debt.
Bottom line : Before filing this complaint with CFPB, I have attempted to have this debt expunged from my record by explaining to both XXXX and Ally Financial that this is debt is the result of an accounting error made eight years after the vehicle was leased ( paid in full ). Both parties refuse to help me, they both continue to advise me that I must speak to the other to get this resolved, and neither of their management representatives has offered any clarity on this matter.
I have read other consumer complaints regarding Ally Financial and XXXX XXXX. It seems as though I am not alone in my experience of the unethical business practices these XXXX companies engage in to make a buck. My credit worthiness has suffered tremendously as a result of this Charge Off that was reported to the credit bureaus. I did not accrue this debt. If I am unable to resolve this issue with the help of the Consumer Financial Protection Bureau, I am prepared to pursue this matter with an attorney because of personal integrity as well as holding these XXXX companies to decent ethical standards.
Note : As I mentioned, I gave Ally Financial quite a bit of information when I opened a complaint with them regarding this account. I suspect they will try to pawn this issue off to XXXX XXXX, but prior to opening the complaint, Ally Financial had no information regarding the debt when I gave them my Social Security Number and full name.
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| 04/14/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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Tuesday, XX/XX/2022 XXXXXXXX XXXX Received a text message at XXXX XXXX from Ally stating that there was a fraud alert on my account. Someone in XXXX at a company called XXXX charged my account {$1200.00} three times for a total of {$3600.00}.
Around the same time received emails from Ally, via email to verify if the charges were in that the charges were incorrect. I confirmed that they were incorrect. Also, note that in the emails it states that I should call the bank immediately if I did not authorize these transactions. Which I did and proved to not be used.
At XXXXXXXX XXXX I called Card ( Fraud ) Services directly and spoke with a representative who confirmed my identity, that I did not make the transactions, and confirmed that I was a victim of fraud. They canceled the debit card and re-issued a new one. They stated it would be 3-7 business days before I would receive the card, also stated that I had to call Account services to dispute the charges Immediately after I called Account services ( XXXX ) : 1st Representative Stated that I could not dispute the charges until they were posted. I said that was unacceptable as the Card services ( fraud ) department already confirmed the charges were fraudulent. I then asked to be transferred to a supervisor, I was transferred to another 2nd representative who repeated the same thing. At this point, I had to go back to work and call later in the day XXXXXXXX XXXX Called back Account Services ( XXXX ) and was told by the representative that Fraud Services flagged so it will not post ( charges would be denied ) to my account as it was confirmed as fraud. The charges were to fall off the next day.
Wednesday, XX/XX/2022 Wednesday morning I checked my Ally app and one of the charges had fallen off but the other 2 still remained.
By XXXX XXXX 2 of 3 fraudulent transactions for {$1200.00} were posted to my account which triggered an overdraft transfer of {$1200.00} and {$2300.00} ( total of {$3500.00} ) from my savings account.
Called Ally spoke to the first representative who repeated the same thing, disputes the charges, waits 10 days but there is nothing they can do outside of that. Ask to speak to a supervisor and was transferred to an Escalation specialist, XXXX, informed me that when I confirmed via text and email my card was switched to inactive but the charge still came through, this was an error and the charges shouldnt have been approved. I then asked for a way to expedite the process since clearly this was a bank error. He stated that there was no way to expedite, I then asked for a supervisor.
After a long hold finally, a floor supervisor named XXXX ( XXXX # XXXX ) again repeated to me that there was nothing they could do just submit a dispute and make a note.
XXXX created a dispute for 2 of the 3 fraudulent charges ( Dispute # XXXX ) and stated that I had to call back in when the 3rd charge was posted to the account to dispute it. I would have waited 10 business days for the Dispute department to investigate where I still would not receive a credit just written confirmation of the dispute and more questions via USPS mail to fill out and mail back.
This is clearly fraud. The money was taken from my account overnight there was clearly an issue with the system. However, to get my money back it will take well over 10 days ( dispute, time I am putting in on phone calls and entering in disputes ) to get my money back. The Ally dispute system is broken and is not there to protect the customer.
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| 10/13/2022 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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Web |
Servicemember |
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XX/XX/2021 RE : Charged Off - Overdraft Account Number ( s ) ending XXXX This is an email I received from Ally Bank due to them handling a " Fraudulent Activity '' case inappropriately.
XXXX XXXX, We've closed your Ally Bank account ( s ) due to an unresolved overdraft ( s ) totaling {$96000.00} XX/XX/2021 I was contacted by Ally regarding a Joint Account I held with them which had been flagged with fraudulent activity. My grandmother was on the joint account with me because she requested I invest XXXX XXXX of her money in bitcoin. I proceeded with her request and set everything up accordingly. About a month XXXX after investing her money, she went to her bank XXXX XXXX and claimed that she didnt know about any of these transfers and was a victim of identity theft. Both XXXX XXXX and Ally contacted me to investigate and regardless of the evidence I submitted to Ally confirming her full participation and acknowledgment of her investment, they continued to mark the account as fraud and closed it leaving me with a negative balance of {$110000.00}. In order to offset this negative balance, Ally then depleted my personal account in the amount of {$13000.00} and has informed me of a balance due to them in the amount of {$96000.00} which they charged off not even a month after the investigation. XXXX XXXX received my evidence and I was never contacted by them again because they saw that my grandmother was fully aware of her investments.
Here is an email thread I had with Ally during the investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to losspreventioninvestigators Hello XXXX, I hope all is well and that you've had some luck getting in touch with my grandma. I left her number when I called into Ally yesterday.
I also submitted a request that my personal account get unlocked because I have bills to pay and medications I need to take and be able to pay for.
As you know, I have been cooperative with Ally and have submitted evidence showing my grandma was fully aware of the withdrawals. I understand we are at a standstill until you speak with her but unfortunately I have obligations to take care of.
With that being said, how can we resolve this?
On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wrote : Hello XXXX.
I've attached the text thread with the conversation I had with my aunt ( XXXX XXXX XXXX ; her contact info is saved as XXXX XXXX XXXX in my phone because that's her nick name. As you can see ... her number is XXXX My grandmother was well aware of the XXXX XXXX investment. I created an Ally account because it's the bank I personally use and in order to buy cryptocurrency any money going in must come from the account holders name. Due to this, the only way to transfer funds was from my joint account with XXXX XXXX XXXX my personal account.
I even went to the bank with my grandmother XX/XX/2021 because she wanted to take XXXX out to play with at the XXXX. They printed out her account balance that day as well.
My grandmother is clearly not in the right state of mind and my aunt is helping her fabricate a story that paints her as a victim so that she can recuperate her funds for the investment. I have no problem giving my grandmother her money but I will need some time so I'm not selling it at a loss. I never did any of this for my own sake, this was a favor my grandma asked me to do for her because she gambles a lot and wanted to make money.
Please let me know if you have any other questions.
Thank you for your help, XXXX.
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| 04/19/2022 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XXXX XXXX 2022 I opened an account with a bank I ran across called Ally Bank via the web. I thought it would be a opportunity to start an account with a new bank but this situation has been a complete nightmare to say the least. My opening deposit for this account was a check I got from a lawsuit from my attorneys office it was a large amount which was XXXX. The bank said it was fine I would just have to follow standard holding deposit procedures. I just wan na state I had NO problem with that. They told me on XXXX XXXX my account would be unrestricted and I could have full access to my funds. So on XXXX XXXX I checked and my account was still restricted. I called customer service who transferred me after holding for more than XXXX hours to a department called loss prevention this lady answered the phone and yelled at me that my account is remaining restricted she hung up in my face. She did NOT allow me to speak or ask any questions. Mind you this was AFTER me holding for XXXX hours. So I called back and reached a representative in customer service who transferred me to their supervisor XXXX he literally held for XXXX hours himself waiting to talk to loss prevention. So this is XXXX hours of me holding. He came back after XXXX hours and said maam they hung up on me too. He said they told him the same thing. My account would remain restricted and they hung up on him as well. Im writing you all because Im NOT a criminal or someone who does wrong. I just simply opened this account because Im in the process of buying a home and my lender advised me to open a new account. All of my current accounts are based in California which is where I used to live. So, I had no way to drive XXXX miles to make this deposit. But, in all honestly if I knew this would be a issue. I wouldve probably just flown to California to deposit this check instead of trying to bank with Ally Bank. They are very rude and disrespectful to their customers. I have NEVER been treated like this by a bank. And as of yesterday when I called they still dont have any answer for me of whats going on. They just told me NOT to call them back they said they would call me. But, would not specify a timeframe. That to me is beyond crazy. Im NOT a criminal but they are treating me like one. They even told me this check cleared it posted to my new account. But, they wont give me access to it which is crazy as XXXX. I told them I just want to cancel this account now and go with another bank because this is to much. I have XXXX other accounts all based out of California and I have NEVER been treated like this. All I want is for my account to be closed and they can overnight my funds. I dont wan na do business with a bank who will have their employees bully its customers. Yell and scream and hang up on someone for calling to inquire about something THEY said. Where is the respect for your customers? Where is the integrity? They have NONE and definitely dont deserve my business and Im going to tell all my friends/family to NEVER bank with this bank. They are bullies to their customers. If yall can help me I would appreciate it. Ive wrote the XXXX XXXX XXXX Federal Reserve and you guys. I have NOTHING to hide about myself. That check was a lawsuit check the funds are good which is why they cleared. For them to treat me like a piece of trash is beyond me. Please help if you can! Im attaching a copy of the check that was deposited along with my attorneys letter for your references.
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| 07/05/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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My Spouse and I purchased XXXX Vehicles at XXXX XXXX XXXX XXXX, XXXX, XXXX, in XX/XX/XXXX, and the Finance Manager put us through ALLY Financial, with rates around 16 % due to our Scores. XXXX Vehicle, a XXXX Dodge Grand Caravan was possibly purchased in or around XXXX XXXX. The other, a XXXX Jeep Liberty, possibly in or around XXXX XXXX. Or, the ( XXXX ) time frames may be reversed, even though we have the Credit Reports with the Account Numbers, minus the last ( XXXX ) digits of each. One Account # is : XXXX ... ... The Other : # XXXX ... ... The Last ( XXXX ) Digits of each we believe are : XXXX and XXXX. When I was working hard with XXXX, living in Maine, I was trying to better my Spouse 's Score as well as my own, between XXXX XXXX - XXXX XXXX. I finally achieved a XXXX XXXX Score for myself, as well as, possibly a XXXX for my Spouse. We were in the process of moving from XXXX to XXXX and I wanted a better Score Ratio to work with for possibly different vehicles, or to at least Refinance One of them, which we did. A local Credit Union just down the street from XXXX XXXX gave us very Good business. Finally, here is the Overall problem with ALLY FINANCIAL 'S Reporting of our payment history. The Account starting with XXXX {$580.00} per month, CONSTANTLY has been changing with both Month/Year of supposed ( 3 ) Times of 30 Day Late 's. Whereas, the Account starting with XXXX/ {$540.00} per month, was CONSTANTLY changing as well, Month/Year, from ONLY a ( 1 ) Time Supposed Late, to now as we speak, Reporting on My XXXX File as ( 2 ) Times late. NOT on my Spouse 's File though. This is only our XXXX File. But, also as I write right now, this all occurred as I 've been fighting the Company and Credit Bureau 's Tooth and Nail, since XXXX XXXX until Current. Amazing, when I told them if they are going to " Perjure '' themselves on things that never even happened, that they should be smart and look at BOTH our Credit Files and Make Sure they exactly match, and therefore, we would have nothing to possibly complain about. Well, They took my advice ... .BUT, too late. ALL ( XXXX ) Supposed Late 's on Account # XXXX are now COMPLETELY gone from my Spouse 's XXXX File, as well as mine. However, the other Account, # XXXX, still remains on my Spouse 's File, ( with another Lie ), XXXX ... ..And, my XXXX now XXXX, XXXX and XXXX, just recently added a few days ago. Strange, how a Supposed ONE TIME Late in ( 3 ) years all of a sudden appears. Moving Forward : I have ( XXXX ) XXXX Negative Remarks on my XXXX File. However, my Spouse, I believe still has XXXX or maybe ( XXXX ). Furthermore, XXXX is the worse. However, they do have the Identical months and years on both of us. But, these too are just more Lies. NOBODY, and I mean NOBODY, has applied OUR RIGHTS Whatsoever, involving The Fair Credit Reporting Act. I have been doing SO MUCH work between the Creditor ALLY, who claims it 's a " Glitch '', and the Bureaus. Everyone else is getting a Paycheck for ALL the work I 've done, and yet hardly gaining any ground. I was looking at the Class Action Lawsuit against this Company. The reason why was because I was seriously considering one against them myself. Also, not just for us, but for others as well. MOST Accounts, including these ( XXXX ), are JOINT. There is no room for Error. Please Contact this Company and Please just make ALL their LIES disappear. I have Numerous Documents from ALL ( XXXX ) Bureau 's to easily Prove my Case ALL day Long.
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| 06/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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This incident has been ongoing since XX/XX/XXXX. I currently have a lease with Ally and I have never missed a payment in my entire credit history. When you make payments higher than the amount required for your monthly obligation the extra amount goes into the next month therefore some months you may not have a monthly payment. I was also enrolled in Autopay which automatically withdraws money from my checking account to pay my lease. For some reason the AutoPay was not processed, one would think within the 30 day timeframe Ally would make a valiant effort to reach out to me. As soon as I receive a credit alert I called XX/XX/XXXX and spoke to representative and told him the situation. I have always made on-time payments with all my creditors and never missed a payment which explains why have a 700+ beacon. He stated that he would put a request for a removal and it would take 30 to 45 days I said thank you for looking into my account and submitting this for me. Late XXXX comes around I contact Ally once again to get an update the representative place me on a hold and stated to me that everything was APPROVED and it will normally take 30-45 days to remove from all three of the credit bureaus I said this great. I am in the process of buying a house for my family and this would help because now with this negative record report I am in the low 600s now. I contact today XX/XX/XXXX, now they state to me that it is still in review status. I stated that on my last conversation the representative stated that all I had to do is wait 30-45 days and it will be removed now your telling me that it is being reviewed and letter was just sent on XX/XX/XXXX. I asked representative to speak to the supervisor and I spoke to supervisor and stated the story all over again. She just kept repeating that I can't answer any of your questions a letter has been sent. I am thinking to myself your a manager at large bank and there is no way for you to find an answer in the resolution center if the request for the removal was complete or not complete because I am getting conflicting information based on my last conversation when I contacted. I asked her if you were in the same situation would be really satisfied with " there is a letter in the mail '' when you are talking to a person of authority at a large bank. I asked her if she could talk to the credit department, quality control to replay the conversation with last representative, review the notes on the account, I worked on a XXXX XXXX before and I knew what resources I had when a customer contacted me it just didn't seem like they really cared to find a resolution in the resolution center that was answer a customers simple question. I am just trying to buy a house for my family and this is the only issue that is holding me back. I can pay off the entire balance if wanted to right now but I like building on my credit, establishing long relationships with my creditors by making the payments on time as i always have in the last 15 years I was able to establish credit. I just the derogatory to be removed ; I would like Ally to give resolution center more than a few scripts to read to the customers. I would like to speak to an actual person not a script. At this point you can replace the employees with " XXXX '' if you want robots working for you because really do not value anything with customer service so you might as well cut the payroll and employ " XXXX ' because at least she will find an answer.
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| 06/16/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Hello, Writing in to complain about my mortgage service provider, Ally XXXX XXXX, being late on providing me a refund of {$1100.00} to my escrow account. This stems from penalties from delinquent property tax payments due to Ally 's negligence.
Context. Ally was late on paying our secured county property tax of {$10000.00}, and we were hit with a late penalty of $ {$1100.00} by the county.
XX/XX/XXXX. We made Ally aware of this and wanted them to use our escrow balance of {$10000.00} to pay this off. We also requested that Ally be responsible for the penalty of $ {$1100.00} as they already had our parcel number and should have paid our property tax on time. I threaten to report to the CFPB if this is not resolved in a timely fashion.
XX/XX/XXXX : Received response from Ally confirming receipt of complaint, but no action taken yet.
XX/XX/XXXX : Ally confirms they used the escrow balance of {$10000.00} to pay off both the secured property tax and penalties. I immediately chat online with a representative who confirms that corporate policy is for Ally to pay off delinquent penalties with a separate corporate account. She notes that a refund of $ {$1100.00} should be provided by XX/XX/XXXX. I personally paid {$170.00} to bring out escrow account to {$0.00} once the penalty is reimbursed.
XX/XX/XXXX : No update from Ally. I ping them again.
XX/XX/XXXX : Ally responds that an updated completion date is XX/XX/XXXX.
XX/XX/XXXX : Unresolved, that makes XXXX broken promises. I ping Ally again at XXXX. I threaten to report to the CFPB again if this is not resolved by XX/XX/XXXX as we've been waiting a month for Ally to follow their own policy.
XX/XX/XXXX : Ally responds claiming they attempted to reach us on XX/XX/XXXX and left a message, which is likely not true as we did not receive any calls or texts or emails between XXXX and midnight. They instead ask us to call or chat with a representative and do not provide an updated timeframe on resolution.
XX/XX/XXXX : I chat with a representative, who claims they can not provide a refund due to the county needing to " split our parcel ''. I did not authorize this or was aware of this and asked for proof. The representative declined to provide any citing it is private internal documentation and that I needed to contact the county directly. They claim they were informed of this yesterday on XX/XX/XXXX and did not have an estimated completion date. I asked how this is relevant to providing us a refund, and they responded by saying they needed to " wait for the parcel to be split ''. This is a clear contradiction, as we should have been provided a refund earlier if this " parcel splitting '' was only discovered yesterday.
After this interaction, I reviewed their FAQs and could no longer find the original statement that claims that they would pay delinquent penalties with a separate corporate account. Nonetheless, I have written proof that they agreed to pay off my penalties under this original policy. I believe they've secretly removed this policy in response to my specific case.
Conclusion. I believe Ally is XXXX ) lying to me regarding the claims about a " parcel split '' and XXXX ) has not been following their own original corporate policy and XXXX ) been wildly irresponsible and inconsistent in promptly addressing my concerns. From my perspective, Ally has effectively committed theft and is repeatedly feeding me lies in an attempt for me to give up on claiming my refund.
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| 07/20/2023 |
Yes |
- Debt collection
- Auto debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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Up till XXXX, I had perfect credit history with XXXX years of perfect payments. I prepared to exit as a corporate VP for XXXX and be packaged out of the organization. I lost my job, and in preparation for starting my own company booked several quick trips before planning to launch my company. Unfortunately weeks later on my first trip which was to XXXX XXXX, I fell from a cliff off of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and other significant injuries. Unfortunately, given I had just lost my job I was also without insurance for the first time in my life. After several months of recovery I filed for Consumer Credit Counseling and began liquidating my 401k and savings in order to maintain my perfect payment history. Unfortunately, at the beginning of XXXX as I was launching my company the savings ran out and I began missing payments for the first time.
After going through a bankruptcy XXXX XXXX review with XXXX XXXX, XXXX, I began calling my creditors as a last resort in order to avoid bankruptcy. I was surprised to find that many were so amazing and were willing to work with me, so instead of paying what money I had left to a Bankruptcy Attorney to file, I began making payment arrangements in XXXX and XXXX of XXXX to get back on track.
This included Ally Auto. Upon speaking to Ally Auto, they explained that their process is that they cant tell you what modification they can offer until you make payments because modifications are decided by a system. This seemed very strange and I explained I had just made my payment arrangement on my Mortgage and could not make the XXXX payments they were demanding before even telling me what they could do for me. After much thought and prayer, I decided to delay my mortgage payment and go ahead and pay the XXXX payments they said would remove the repossession order and qualify me for a modification.
Upon making the payments and allowing them to post, I called a few days later to check on the status of canceling the repossession order as promised and to do the modification. Unfortunately, XXXX XXXX at XXXX XXXX, who was the same lady I spoke XXXX not even XXXX weeks earlier as I made XXXX monthly payments XXXX per week, shared the same story that the vehicle is still out for repossession and they could not remove the order or perform a modification until I make another payment. I shared this is not acceptable and I will not make a XXXX full payment within a month when XXXX was already a hardship, in fact XXXX trying to lower it to less than the normal XXXX ( XXXX ) monthly payment. She continued insisting my car is still out for repossession and that due to the delinquency on the account I am not eligble for a modification review at this time.
This type of manipulation and outright lying is so damaging to the trust someone has going through their first hardship and expecting that a company will follow through on their promises.
Due to these violations of FDCPA, I would like this loan modified immediately with XXXX ) All fees and interest immediately written off XXXX ) Interest rate lowered to 3.9 % and XXXX ) the loan spread back out over XXXX payments. I have in good faith made XXXX payments totaling around {$2500.00} in which I prioritized over my mortgage modification, thus no additional payments should be required.
Sincerely, XXXX XXXX XXXX : Ally Auto, Consumer Financial Protection Bureau, FTC for Violations of FDCPA, Attorney General of Florida
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| 03/02/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem making or receiving payments
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Web |
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I booked a trip with XXXX XXXX to XXXX on XX/XX/XXXX, pre COVID. The trip, obviously, was cancelled and temporarilypostponed or credited for a later time. I made 2 payments on XXXX and XXXX for this trip that cost approx. {$2800.00} orXXXX XXXX. Throughout the year, I did not dispute the charges because the initial trip or credit for it was issued back in theform of a credit note with XXXX XXXX. Unfortunately, I did not receive notice about the insolvency of the company, XXXX, until mid XX/XX/XXXX. I did not receive information on steps to take directly to the bank, Ally, until XX/XX/XXXX. I proceeded to immediately file a dispute and attempt a chargeback in order to get my money back. I received a lot of pushback initially from Ally 's representatives and Ally did not attempt to attain any documentation or information regarding my dispute. Only stating that the dispute was already past 60 days of the initial charge and rejecting my dispute with a letter a few weeks later. I tried again on XX/XX/XXXX after the insolvency company XXXX attempted to get information on where I was in the process and to try to attain the original dispute letters from Ally. Again, I was told that there would be no point in putting in disputes because it was past the 60 days of the original charge. No attempts to get documentation from me again.
I received the following response from the insolvency company that I'm dealing with in order to try and recover the funds used for a trip that I booked before the COVID pandemic.
I have all the documentation outlined in the response below from the insolvency company.
Hi XXXX, You made three payments using your Ally Bank card ending XXXX.
XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX You should get in touch with Ally and dispute the charges using the Mastercard chargeback code 55 for debit - Merchandise services not received. Please read how to dispute a charge section of this article : Tell them that according to the Fair Credit Billing Act it is your legal right to claim a refund when the service you paid for is not received due to a company 's bankruptcy. You only found out about the bankruptcy on XX/XX/XXXX.
Please make sure that you submit the following information to your bank : Official insolvency email from XXXX ( sent to you by XXXX on XX/XX/XXXX ) Original booking receipts ( see attached ) Refund Credit Note ( attached ) T & Cs relevant to your booking ( see attached ) Flowchart provided by XXXX ( see attached ) Email from the XXXX XXXX XXXX : XXXX : XXXX Email from XXXX XXXX on XX/XX/XXXX postponing your trip and offering you a refund credit note ( attached ) Despite what you may be told by your bank clerk, the time limit for making a claim should start from the date you were expecting to receive the service/trip not from the purchase date, given you are buying something to be delivered in the future. In your case your refund credit note was due to expire on XX/XX/XXXX which is well within the time to claim. Alternatively, they may use the date you found out you would not receive the trip ( XXXX XX/XX/XXXX ).
If your bank dont open up your dispute then you go straight to the CFB and give them all the above information : https : //www.consumerfinance.gov/complaint/ I know this feels admin heavy but it has resulted in nearly all XXXX XXXX customers getting a refund.
I will be one email away if you have any issues.
Warm regards, XXXX
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| 05/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I had an auto loan with Ally Bank account number XXXX ; my monthly payment of {$1300.00} was due on the XXXX of every month.I was in a near fatal auto accident on XX/XX/XXXX that resulted in a total loss of my vehicle. I was in XXXX on a XXXX for 12 days.
Ally Bank was notified of the total loss by my insurance company ; XXXX XXXX XXXX. On XX/XX/XXXX. My auto loan payment was due on XX/XX/XXXX. Ally Bank received a check from XXXX XXXX XXXX on XX/XX/XXXX for {$67000.00}. On XX/XX/XXXX I received a credit alert that Ally Bank was reporting a 30 day late payment for XX/XX/XXXX and XX/XX/XXXX to all 3 credit bureaus. I immediately called Ally Bank crying. Customer service was atrocious towards me and I Was not able to get this issue resolved. I was told that the {$67000.00} that Ally Bank received on XX/XX/XXXX did " not count as a payment because I was not the one that made it. '' Over the past 15 months I have called Ally Bank at least 15 times trying to get this issue resolved. I have been told so many different stories. On XX/XX/XXXX I thought I had finally made some progress when I spoke with " XXXX '' in the total loss department at Ally Bank. She apologized for what I had been through because of their error. She stated that the processing of the insurance payment was done incorrectly and the payment of {$67000.00} was not back dated to the date of loss of XX/XX/XXXX as it should have been. She told me that she was going to start the process to have the negative information on XXXX, XXXX and XXXX removed and the account updated to account never late, paid in full and closed. XXXX said that there were two parts to this process, what she was going to submit and that I needed to write a letter to their Credit Bureau Correction department as well. ( I have attached that letter ) A couple weeks ago I received a computer generated letter in the mail that this negative information was not going to be removed from my credit because it was accurate. I honestly just gave up for a while. I was physically and emotional destroyed from the auto accident and the aftermath.
On XX/XX/XXXX my mother convinced me to try and contact Ally Bank again. I called and spoke with a " XXXX '' in their Consumer relations department after customer service refused to let me speak with a supervisor. The representative again expressed her apologies for what I had been through and that Ally Bank still had not fixed their reporting errors. She created a case and gave me a reference number ( XXXX ) and said that this issue would be resolved this time and that the negative information would be removed from all 3 credit bureau reports. After 15 months I thought, " Finally! '' Well, Yesterday I received the same computer generated letter that the negative information was NOT going to be removed from my credit and that it was accurate. I am attaching my payment history printed from Ally Banks website a year ago. In the fall of XXXX I logged into my account through Ally Banks website. I noticed that they keep changing payment history and dates and now show that the insurance was applied in XXXX of XXXX ; this is completely false and fraud. i have dispute inaccurate reporting with all 3 credit bureaus over 10 times and provided the payment history as documentation and they tell me that Ally Bank is not correcting the information. If you review that dates on the original payment history it is impossible for it to have been 30 days late.
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| 01/21/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I purchased a XXXX XXXX XXXX on a consumer credit contract and i have noticed several billing errors in the Truth-in-Lending disclosures section of the Retail Installment Contract and Security Agreement. Billing errors are defined as, a reflection on a periodic statement of the creditor 's failure to credit properly a payment or other credit issued to the consumer 's account. A reflection on a periodic statement of a computational or similar error of an accounting nature that is made by the creditor and A reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence. The first one in regards to my account being the number of payments seems to be inaccurate on the payment Schedule. 16 CFR 433.1 ( d ) which describes a purchase money loan in regards to the truth in lending disclosure is defined as : A cash advance which is received in return for a finance charge within the meaning of the truth in lending act and regulation z, which is applied, in whole or substantial part, to purchase of goods or services from a seller who ( 1 ) refers consumes to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement. Under regulation Z also known as truth-in-lending the itemization of payments should mirror the FINANCE CHARGE amount as it is the dollar amount the credit will cost me. The next billing error can be seen on the amount of credit provided to me or on my behalf. There is no authorized representative other than the appointed attorney-in-fact by the consumer to receive any credits on behalf of the consumer. I am not requesting address or contract validation. I am demanding additional clarification including DOCUMENTARY EVIDENCE of the procedures used to come up with these itemized amounts in accordance with Generally Accepted Accounting Principles ( GAAP ). These billing errors may be assumed to be a willfully intent on misleading and or deceiving me of the character/amount of any debt 15 U.S.C. 1692e. All debt obligations and securities are owed to the United States 18 U.S.C 8. Do NOT hinder nor delay the delivery of the consumer goods associated with the transaction. I hereby accept all title rights and interest and instruct ALLY FINANCIAL INC to handle ALL principles balance. I am not attempting to create controversy I have been seeking remedy and recourse to the fact that I never received full disclosure pertaining to the fitness, performance, and attributes of account, or accounts created from the first initial consumer transaction and now I am merely asking for REAL EVIDENCE. I am aware and it is FACT that i, a consumer, natural person and beneficiary do not need to pay, ALLY FINANCIAL INC can not restrict accelerate or close an account and or make or threaten any adverse reporting to any person about the consumers credit standing without FIRST resolving the billing error. Notice, its is a fact, i am aware while resolving this billing error, ALLY FINANCIAL INC has legally agreed to forfeit ALL rights to collect on the amount in dispute pursuant to 15 U.S. Code 1666 ( e ). In the event ALLY FINANCIAL INC fails to provide said documentation, I DEMAND that all alleged debts be properly recorded and officially acknowledged within your records and any other agencies as non-existent, including but not limited to, all debt collection and/or credit reporting agencies.
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| 07/06/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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On Monday XX/XX/XXXX ALLY FINANCIAL contracted with an unauthorized third party agent to come on my family private property and steal my vehicle! This unauthorized third party was not a witness or party to the contract agreement. This is an infringement on my rights to privacy! How did this third party agent get my address? Who gave them permission to come? Where did they get my location? According to the Rights to Privacy Act..The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions. None of these exceptions apply to my situation.
Pursuant to 15 usc 1692c ( b ) Communication with third parties.. Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
I have asked ALLY FINANCIAL on numerous occasions for months for the original contract between us, they have not sent it. Ive asked for debt statements, they have not sent it! Ive have been threatened to be sued which is against the FDCPA. My fianc, who is not a co owner to the vehicle has been threatened to be sued which is against FDCPA. ALLY has harassed my family friends, my fiancs family, my fianc, and me with unauthorized calls, texts, voicemails. They called at inconvenient times and cause grave stress on all of us! My fianc is XXXX and had to witness this theft and was put under even more stress which caused me to be annoyed and stressed and also is harmful to the XXXX! ALLY do not possess the ORIGINAL wet ink signature contract and only possesses copies if that, which is considered counterfeit and is against the law. ALLY never had possession of MY XXXX XXXX to repossess it. To repossess something is to have had possession of it in the first place. I dont owe ALLY financial any debt!
On top of my rights to privacy being violated, a lot other consumer laws have been violated in the process. The laws that have been violated by ALLY are : 15 usc 1692J, 15 usc 1692c ( b ), 15 usc 1692d, and 15 usc 1605. According to 15 usc 1692k Civil liability Im entitled to compensation for these damages up to XXXX per violation. According to 15 usc 1605a the determination of finance charger finance charge is the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable in comparable cash. This contract was a credit transaction not a cash transaction but I have made payments comparable in cash and put a down payment down which is a violation under this subchapter. Pursuant to 15 usc 1611 Whoever willfully and knowingly gives false or inaccurate information or fails to provide information which is required to disclose shall be fined not more than XXXX dollars or imprisoned not more than 1 year or both.
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| 10/12/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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My car was totaled out on XX/XX/XXXX. My insurance company sent a settlement amount of approximately {$23.00}, XXXX to Ally as a settlement. Ally accepted the settlement payment and is still claiming that I owe {$2000.00} on the account. XXXX XXXX, the gap insurance provider has stipulated that the amortized balance on the car is approximately XXXX and Gap is not responsible for paying anything because Ally should be refunding me the customer {$6800.00}.
Ally utilized the settlement funds from my insurance company to pay interest and finance fees that were no longer necessary because the car was paid off prior the five/seven years that the original financing was for. I should not have a balance with Ally. Gap was purchase and paid for, to supplement any additional amounts concerning a total loss of the vehicle ; and if I am responsible for paying an additional amount to Ally for a car that I paid GAP insurance for, the issue should be resolved between Gap and Ally, as long as I was in conformity with the terms of my loan agreement with Ally. I request that Ally remove any arrearage amount owed from the customer ; and refund the amounts owed to me as the customer concerning the referenced XXXX XXXX XXXX. XXXX XXXX Gaps Claim number is XXXX. I have attached the letter sent from XXXX XXXX concerning this issue for your reference.
Further, when I originally bought the car in XXXX the dealership sold me an additional XXXX insurance policy which cost more than {$3000.00}. I never asked for that policy, because I already had full coverage through XXXX. I placed the dealership on notice within 30 days of purchasing the car. Although the car dealership failed to re-write the agreement for the loan, the XXXX dealership in XXXX XXXX refunded me approximately {$2900.00} and placed me on notice that I did not have a car payamne due until XX/XX/XXXX. The entire {$2900.00} were applied toward finance and interest fees ; additionally every single penny of my car payment went toward interest and finance fees from that point forward. The {$3000.00} should have been taken from the final balance of the car in XXXX and there should have been a re-write of the loan minus the {$3000.00}, which would have yielded a different balance altogether. Please correct that wrong, so this account issue can be resolved without error, because it was clearly not necessary for me to borrow the additional {$3000.00} and the refund of the money only went toward interest fees, not a penny of it went toward the principal balance. Finance fees and Interest fees were calculated to include the unnecessary {$3000.00} that never should have been charged. Additionally the total amount of my {$670.00} monthly payments went toward finance and interest fees. A certain portion of my car payments should have been allocated toward the principal balance. How much of the money that was paid on the car was actually allocated to the principal balance? I never cancelled my gap insurance, so I received a letter from GAP that I am not able to attach. A letter was sent from Gap, XXXX XXXX XXXX XXXX XXXX, XXXX Texas XXXX and Ally was sent a copy of this notice, stipulating GAPS amortized balance and placing Ally Financial at XXXX XXXX XXXX, XXXX, Kentucky XXXX ; on notice that a refund of {$6800.00} is owed to me, and there is no need for them to pay Ally the {$2000.00} that they are claiming that is owed on the car. Please assist Thank You!
XXXX
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| 10/07/2015 |
Yes |
- Bank account or service
- Other bank product/service
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- Making/receiving payments, sending money
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Web |
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Hello I am a current customer of yours. I contacted Ally collections dept today ( XXXX/XXXX/15 ) and spoke with a woman by the name of " XXXX ''. I spoke with XXXX about an issue relating to an late fee that was suppose to be adjusted about a month ago and it wasnt. XXXX was VERY RUDE AND UNPROFESSIONAL! Everytime I would try to explain things to her I would get cut off. She wasnt a good listener at all! When she was speaking to me she acted like she was speaking to a child or something and I let her know that I am a grown woman and she needs to learn how to speak to customers. I explained to her that I had called about a month ago and spoke with a supervisor about this adjustment. She told me No You Havent! She went on to belittle me because there were payments on the account from last year that were insufficient. She went as far as being very disrespectful about me speaking to another rep prior to speaking with her about an extention. She said well its in your notes that you asked the other rep why was she asking so many questions in order to get an extention. She said its been 3 years since you 've had an extention so the policy changes! I told her well I do not know anything about how your policies work I was just asking the other rep is it necessary to ask all these questions in order to get an extention! She said well we doing this for your benefit it do not really matter to us we are tying to help you out and if we need to ask questions we will! I told her XXXX XXXX XXXX that the conversation I had with the other rep isnt any of her concern nor do we need to be discussing what I spoke about with the other rep! I told her we are suppose to be speaking about this late fee that is suppose to be adjusted! XXXX said well im not doing anything about the late fee not being adjusted! I said ok let me speak to your supervisor! She said well ill just put in a request so you can speak to oneXXXX I said no I want to speak to your supervisor Now! She acted as if her supervisor was in a meeting. She I cant just put a supervisor on the phone to speak with you! I told her that is a Lie Ive called plenty of times and requested a supervisor and they were immediately put on the line with me! She knew she was being very rude and didnt want anyone to know about it! So I argued with her continuousily and she finally put a supervisor on by the name of XXXX. This woman did a way better job in fixing the problem I called about. But what needs to happen is this XXXX person needs to be fired! She did not try to fix the problem she wanted to argue and belittle the customer! I told XXXX I had been having problems making full payments due to me being in the hospital for several months for XXXX complications. She wasnt concerned at All! She said by you making these partcial payments you arent doing anything for your account! We dont care about you calling in and asking for extentions they arent doing anything for you we want the money! So with that being said she is as low as they come! She does not need to deal with customers at all! Her behavior was unacceptable! She needs to be terminated im sure im not the only person who has had this problem with her! Its people like her who makes it hard for the entire company! She makes the entire company look bad! Never should you argue with a customer! I though you guys needed to know about this person! I will be contacting others over your company about this issue!
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| 12/03/2016 |
Yes |
- Consumer Loan
- Vehicle lease
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- Problems when you are unable to pay
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Web |
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On XXXX XXXX, XXXX at XXXX XXXX repossessed my XXXX XXXX XXXX under the direction of XXXX XXXX . When I called ally I was redirected to the accounting department. There I spoke to XXXX XXXX In the accounting department. She advised me. Ally wanted my exsize taxes early. They did not want to wait until the end of the lease, and since they could not legally hit my credit ; they held my payments for ten days, and rejected them. If I wanted to retain my vehicle I had to pay the excise taxes and the cost of repossession. When I reminded XXXX XXXX of my lease agreement, section XXXX paragraph XXXX, she stated regardless of what my lease says, they really expect those fees to be paid sooner than the printed agreement. I advised XXXX XXXX if that 's the expectation, they should put the expectations in my agreement. I also advised XXXX XXXX, the bank is illegally seizing my vehicle. The bank knew I was a contractor when I spoke to XXXX XXXX. I provided names of all temp agencies, dates of employments, contact persons, numbers, etc. I provided the name of the college in which I attend, and he understood why there was always a lap throughout the year. Why I am able to retain employment within a month or two. The bank has had plenty of opportunities to repossess the vehicle. I went on to say I found it interesting that a month after I advised the bank I would be suing for the ongoing harassment. The bank decides to reposse my vehicle. XXXX XXXX Operations manager ordered a " Do Not Call after investigating the reports of harrassment the resulted in my terminiation back in XXXX by XXXX XXXX .
XXXX XXXX used threats and force to cohorse a payment which resulted in the loss of my job. She advised me if I did not make an additional payment of {$500.00} by XXXX she would reposses my car. I told her I would not have it by XXXX, but I get paid on friday, she can have it then. She told me no. No one helped her when she was sick, so she is not going to help me. It 's called life! XXXX or the car is being repossed. I went to my supervisor, and I asked to leave to figure out how and who I can barrow {$500.00}. from I got a call from the staffing agency thirty minutes later stating I was fired.
XXXX XXXX is the same supervisor that oversees XXXX XXXX and XXXX XXXX, that engaged in the same harrassment in XXXX leading up to the reposession in XXXX when I was terminiated from my position at the bank. XXXX XXXX was fully aware agents were still calling my home, work, and personal cell phone number. She acknowledged the do not call was still very much active, and that agents should not be calling. She would consistently apologize, but nothing was ever done to prevent the calls. When I would return the calls agents would refuse to transfer my calls. Communicating with the bank was impossible at times. From poor documentation, to agents refusing to transfer your calls. They would say things like I do n't have anyone here by that name. I have over XXXX employees. When you give them a location and an extension they refuse to search for it. Then your account manager would say things like you have not returned my call. Well I know you can see the last agent in my account, down in michigan, which means i know you can see I returned your call. The agent refused to transfer me to you. You can never get to who you need to speak to without going through a hassel. If you communicate online they just redirect you to call.
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| 01/13/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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I have my XXXX XXXX XXXX leased through Ally Financial, when I first got the truck, my first payment, I sent in {$1000.00} ( two {$500.00} money orders ), a couple of weeks after I mailed in my first payment, I got a call from Ally Financial collections stating that I owe another {$500.00}, and their reason was because their machine tore up the second money order. So I went ahead and paid it, because Ally Financial felt it wasn't their issue and if I wanted my account to remain in good status, making the extra payment was the ONLY way to do so.
I made the payment with a credit card, and then Ally Financial told me about the online payment method using XXXX.
From that moment on, I started making my payments using the XXXX system, and I had no more problems, until the end of XX/XX/2022, where I get a phone call from Ally Financial collections again, stating I have 3 payments missing, I went and pulled those transactions from my bank and sent the proof of payment to Ally Financial and asked them to do an investigation on those payments. I spoke with numerous managers within Ally Financial and all of them ended the conversation stating they would get back with me, and no one has called me back, instead I have been getting harassing calls every morning since XX/XX/2022 from Ally Financial collections department threatening to come repossess my truck if I don't back the past due balance. Each time I have had to explain to them over and over again that I have sent over my proof of payments via fax, to the numbers provided by a manager I spoke with, they too would end the conversation stating someone will be in contact with me.. yet no one calls, just the collection department.
Finally I spoke with someone in a different department within Ally Financial and she provided me with a contact for XXXX, and suggested I speak with them about the missing payments. I called XXXX, spoke with their representatives and they provided me with transaction numbers for each missing payment, and stated they would not have a transaction number if the payment didn't go through, and they the issue was with Ally Financial. I called Ally Financial back, and they suggested I reach out to the bank because the transactions are reading as cancelled in their system and suggested I call the bank because they may have placed a cancellation on the payments, I called the bank, got two letters from them stating the funds had been released from the account to XXXX XXXX XXXX. I provided the letter from the bank to both Ally Financial as well as XXXX, and no one has responded to it.
In XXXX I received a demand letter from Ally Financial that I needed to pay the past due amount ASAP or else they would be repossessing my truck ; with no resolution thus far, I just went head and paid it, with another request that they, Ally Financial, open an investigation on my previous payment and refund me back the additional payment I just made.
I went to check my credit score and I notice Ally Financial has me listed down as missing 4 payments, which has dropped my credit score dramatically, and I feel that is not right to me, because I have provided all my proof that they initial payments had been made, and it seems as though no one is looking into these missing payments, and its not right that I have to yet again, pay extra car payments that have already been paid, without any resolution as to what happened to my initial payments.
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| 10/08/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
Servicemember |
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Due to being laid off XX/XX/XXXX of 2018, i was living off a fixed income and scrambling to look for work. A job i was offered in XXXX was cancelled due to the government shutdown and by XXXX i was looking for relief and waiting on unemployment. I spoke to Ally financial about my circumstances and voluntarily returned the work vehicle i also had financed with Ally financial to alleviate some of it. I notified them of my intent to keep my XXXX XXXX XXXX financed with them, as it was my daily driver. After falling behind, i attempted to cobble together enough to refinance my loan with a credit union but was denied due to layoff and no co-signer. Ally Financial offered no payment reduction option, no relief for someone effected by the government shutdown, and no aide to a veteran on a now fixed income after layoff and collecting unemployment. They took my vehicle first on XX/XX/XXXX and i willingly paid the tow fee and didnt notice what the tow company employees had stolen from the truck right away in the first instance ( a multi tool, pocket knife, first aid kit, work radio ) A police report was filed. They gave me a penalty interest rate of 9 % and demanded payment in full for my outstanding balance of {$20000.00}, as they were responding to my stating i was looking to refinance. I could not attain on a loan on my own short notice and with no family able to help. I found a pair of part time jobs, made a few payments as i could, and made a payment arrangement for the outstanding balance in full on Friday XX/XX/XXXX. The night of Thursday XX/XX/XXXX my vehicle was repossessed at XXXX with my work tools, a book bag with textbooks, and my passport. My vehicle was taken from my girlfriends apartment near my job in to another state the day before they could count me current. They still took their payment. Many items in my vehicle were missing when i was able to track my vehicle down to the same towing company an hour outside of XXXX in XXXX New Jersey. I remanded the vehicle and retrieved was was left of my possessions minus my passport which was missing. The vehicle was subsequently sold at auction for exactly {$7000.00} leaving me with a balance of {$13000.00} which has already been sold to XXXX for collections in less than 3 months. The exact same vehicle with the same number of miles still regularly sells for over {$20000.00} at dozens of dealers and in private sale everywhere within my tristate area. They failed their customer, took a big chunk of the money i had set to pay them in their towing and losses to tow company thefts with no apology or correction, failed to sell for a fair market value by accepting less than 33 % of the true value of a vehicle renowned for its resale, failed to communicate with me anything in writing though i requested it from every caller and receive all other mail without issue, had different people called incessantly with no regard to my work or school hours, and have now saddled me with a debt that essentially leaves me facing bankruptcy though I paid for 2+ years without issue and am now stuck renting instead of owning a home i was working towards. They never even told me my vehicle would be up for auction or I would have purchased it back for the same $ 7k. Please help. My situation feels discriminatory as Im XXXX and a XXXX veteran. How can I protect others from towing company repossession abuse and Ally financials usury of working class people?
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| 11/26/2020 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/XXXX This Ally Financial car loan was my responsibility since XX/XX/XXXX. The old accounting shows my first late payment XX/XX/XXXX, which is a complete fabrication. I was actually several months late in XX/XX/XXXX and XX/XX/XXXX, which means that the payment history information is obsolete and has expired according to the attached Fair Credit Reporting Act at 605. Accordingly, the account needs to be deleted permanently and Ally needs to abide by its subscriber agreement with all three respective credit reporting agencies. This account needs to be deleted permanently!
DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( 3 ) Paid tax liens which, from date of payment, anteda
te the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not
applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that
is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
XXXX XXXX
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| 03/10/2017 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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On XXXX XXXX, XXXX my car was stolen and was considered a total loss. I continue to make payments to Ally as my insurance and gap insurance was still in the process of paying off my vehicle. On XXXX XXXX, XXXX I made a payment of {$680.00} on auto pay which has been refunded back to me. On XXXX XXXX, XXXX I made another payment of XXXX to ally using their XXXX XXXX speed pay service to make sure my payment was n't late and did n't reflect on my credit report. My insurance then paid off my XXXX XXXX XXXX on XXXX XXXX, XXXX. I called Ally on XXXX XXXX to see if I would be able to get the over payment I recently just made of {$680.00} to XXXX XXXX XXXX back, since my vehicle was paid off By my insurance they said it would be refunded back. Ally notified me that payment made on XXXX XXXX, XXXX was reversed back to XXXX XXXX speedpay on XXXX XXXX. Ally said that the payment would go back into my bank account within 48 hours, it never got refunded back to my account. Ally then claimed that they reversed the payment back to XXXX XXXX speed pay, but XXXX XXXX speed pay stated that they do not do such a thing, so XXXX XXXX speed pay asked me to call Ally because they are the ones responsible for returning the payment back to me ... not XXXX XXXX speedpay. So beginning XXXX XXXX till the end of XXXX, I have called Ally financial numerous times asking where my reversel payment of {$680.00} has gone? They knew nothing. I decided on XXXX XXXX to file a dispute form with my bank to get my funds back since XXXX XXXX speed pay and Ally financial had no recognition of where my reversed payment was at. On XXXX XXXX, XXXX I received a letter from Ally financial asking for me to pay the over payment of {$680.00} back to them in which my account was already paid in full and the {$680.00} was the reversed payment they owned me. In the letter Ally sent me it stated that I had till XXXX XXXX, XXXX to make arrangements with them to pay the {$680.00} back to them. I notified Ally financial on XXXX XXXX, XXXX to find out why I needed to pay them back. Ally financial told me they did n't know why I received the letter and that my account was paid in full and they do not know why I have to pay back the {$680.00} to them. The representative I spoke to Then gave me a confirmation number and and said my account was under investigation. I asked her if I needed to make a payment she stated no. Not while my account is being overlooked. I asked her that the letter stated that I had until XXXX XXXX to make arrangements or my account would be sent to a debt collector. she stated I had nothing to worry about and that someone would return my call within 48 hours. I never received a call. On XXXX XXXX, XXXX, I called Ally financial again to find out why no one has called me back, The representative said she could not give me any information and she transferred me to the debt collector because my account has been sent to them. The debt collecting agency which is ( XXXX XXXX ) notified me when I called that I needed to pay the money and my account was closed and all credit bureaus were notified of my default of payment. I am disgusted by The treatment I have received from XXXX financial. I have been a loyal customer and have never missed a single car payment Since I financed my vehicle. I hope that this issue gets resolved and fixed because they can not treat their customers this way ... it is disgusting!!
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| 02/10/2017 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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I had a car repossessed on or about XX/XX/XXXX. The auto loan and title belonged to Ally Financial Bank. XX/XX/XXXX, I requested from Ally Financial Bank a copy of the " Notice of Intent To Sell Motor Vehicle '' AND the Receipt of Sale by Auction. They told me to call the " Recovery Team '' which I did and they had no idea what I was talking about because Ally Financial Bank owned the Auto Title ( Pink Slip ), the Recovery Dept does not hold Auction Sale Receipts, and that auto loan dept. should have given me the Auction Bill of Sale copy upon my request. A second phone call to Ally telling them what their Recovery Team said, they continued to give me the run-around, and developed a standard of circular department calling which I could not get anywhere!
The repossessed Vin # is XXXX and this is the ID of my former car I gave them. I tried to get the information from the Texas DMV, but they turned me away too and said I had to return to the Ally Bank who owns the title or had the title and loan.
My efforts were useless.
Ally did not abide by the following Texas Repossession Laws : Texas repossession laws dictate that a lender must mail all borrowers of a repossessed vehicle a notice stating that you have the right to retrieve ( redeem ) your car or truck once you have satisfied all of the outstanding issues related to the vehicle repossession.
The notice from the Texas repo company will inform you of when you must redeem your repossessed vehicle by before it is to be sold at auction.
You may be required by the lender to pay off the entire loan amount of the repossessed vehicle before getting the car or truck back.
Texas repossession laws do not allow you to file for bankruptcy to avoid repossession of your vehicle.
Also : The reposession agent ( towing company ) performed A Breach of the Peace And Why Does It Matter? Because I live in a SECURED, GATED HOUSING COMPLEX and these people do not have my gate code ; they followed somebody into the complex!
A breach of the peace happens when the repossession agent ( towing company ) takes the car by illegal means or creates a disturbance during the repossession. Some examples include : ( 1 ) going into a secured area ( either gated, fenced, or guarded ) without permission ; ( 2 ) going into an underground parking garage by somehow opening the gate, or following a car in ; THIS IS WRONGFUL POSSESSION!
TEXAS AUCTION LAW STATES THAT MY RIGHTS ARE : If you do n't pay for your Texas repossessed vehicle, it may be sold at auction : Texas repossession laws allow the lender to sell your repossessed vehicle at auction if you do not redeem it by their deadline.
**THEY WO N'T GIVE ME THIS! ** After the sale of your car repossession, the lender will send you another notice informing you what your repossessed vehicle sold for.
My personal items were in the car and I was not given the option to collect my belongings.
At the time of my calls, I REQUESTED VERIFICATION of these document ( s ) of the above which Ally Financial did not provide me a copy of anything but referred me to the " Recovery Team '', which they knew nothing regarding my verification request or Bill of Sale at Auction! They violated the Texas Repossession Law by not doing giving me any of the verifications of notices.
Ally Financial has put this repo. on my credit report as a " Charge Off '' and failed to perform in accordance with the Texas XXXX XXXX.
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| 07/09/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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During the week of XXXX XXXX, 2015, representatives from the Ally Financial collections department were calling my cell phone. The representatives would call over XXXX times a day, but the biggest issue was that they would call XXXX or more times in the span of XXXX minutes, causing my phone to continuously ring. I spoke with a representative and told her that I had no issue with them calling, but that I would appreciate it if they did not call multiple times in a row. I was responsive to their calls and did make a substantial payment in response, although it appears as though there was still some outstanding balance.
Instead of doing the right thing and following the law, the representative decided that on Monday, XXXX XXXX, 2015 she was going to call me repeatedly over and over again. Between XXXX and XXXX she called from the number XXXX XXXX XXXX XXXX XXXX times. I was on a field trip with my daughter that day and began seeing the calls coming in. Immediately my nice day with my daughter turned into a XXXX situation. I could not even use my cell phone to take pictures of my daughter on the field trip because my phone was continuously ringing. But the XXXX ( XXXX XXXX phone calls is n't the end of the harassment I would endure that day. Between XXXX and XXXX the representative called another XXXX XXXX XXXX XXXX times from the same number. And it did n't even stop there. Between XXXX and XXXX the representative called from the same number an additional XXXX XXXX XXXX XXXX times. That means that in a span of less than XXXX hours, an Ally Financial representative called me XXXX ( XXXX XXXX times. But she was n't done. The representative called again around XXXX and at that time the field trip was over and I was able to answer. I picked up the phone, stated that she was out of line with the repeated calls and that I did not wish to be contacted via telephone any more. Instead of allowing me to exercise my legal rights, the representative argued with me. Then she told me I could not request that they stop calling without speaking to a supervisor. I told her that I knew that was not the case, to stop calling and I ended the call. What was her response? To IMMEDIATELY call me back yet again and continue to argue with me about my ability to request that they stop calling. I again stated that I did not want to be contacted via phone again and ended the call.
I have evidence of these calls, and since that time, Ally has continued to call, using other numbers. They have not called repeatedly since then, but I made the request to cease phone contact which they have not honored. Furthermore, I specifically told the representative not to call my work, and she agreed to take that number off of the list. Ally stopped calling for a short period of time but has again started using that number.
Since that time, I have sent emails, faxes and letters to Ally with absolutely no response. I sent an email to a Customer Service email address listed on their website and was told that this was not the correct email address and that the representative had " no possible way '' of directing my correspondence to where it needed to go. I find it absolutely impossible to believe that the email could not have been sent to legal or anywhere else to get it into the hands of the right people. So I have finally decided to take this action to get some kind of a response and resolution.
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| 11/15/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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Hello- Thank you for your time investigating this manner. This is the fairly abbreviated version of what transpired but happy to provide more insight if needed.
Last week my wife discovered a fraudulent {$90.00} charge on our joint checking account at Ally. I immediately called Ally and confirmed it was not my debit card but my wifes. Ally asked to speak with her ( even though I should be authorized ) which was fine as she was right next to me. The lady on the phone said the charge was pending and that we would need to wait a few days to see what happens. In the meantime, she suggested we freeze our account ( no access to funds ) however if we needed to unfreeze the account we could simply call and it would happen immediately.
The fraudulent charge was ultimately caught by the merchant and reversed so today my wife called Ally to 1 ) have the freeze removed and 2 ) issue a new debit card since the original was compromised.
My wife was on the phone for nearly 30 minutes, correctly answered all of the security questions and was told they could not verify/authenticate her. She questioned what that meant and they said she would be called in a few days. She continued to ask what was going on and was not given any avenue to fix the situation.
I then called and spent 45 minutes on the phone with them going through the same hoops. DOB, SSN, mothers maiden name, high school, etc. I answered these questions correctly. Also, the phone number I called from is the main number on the account. The lady said she could not authenticate me and I would need to wait 2 days for someone to call. I asked to speak to a supervisor.
After a lengthy hold, the extremely rude supervisor talked down to me and was not responsive to my questions. Very short answers and quick-tempered. I asked how I could not be verified given all the information provided and she would not answer my question directly. She said it was a computer system thing and to wait 2 days. I have no other options. I asked for just generic reasons ( not specific to me or my account ) why this would happen and she said she wasnt allowed to give me any information. Very rude and I was not satisfied with this interaction at all.
This is concerning to me that a financial institution can lock up my savings and checking accounts without any reasoning or information given. I was not allowed to speak to the security team who allegedly is in control of the situation. My wife and I both answered all of their security questions and were calling from our registered phone numbers. While living off of credit cards for a few days isnt a big deal, it would be very concerning for anyone who doesnt have that option or has an emergency where they need cash immediately. There should be protections afforded to the client in these situations. I could have easily given them drivers license info, passport info, jumped on a video chat to show them all of my documents, etc. There was absolutely no explanation given as to why we were unable to resume our account transactions.
This is especially concerning when we were told removing the freeze on the accounts would take a simple phone call to them. How could our information be good enough to gain access to account information and freeze the accounts, but not good enough to unfreeze them?
Again, thank you for the time and please let me know if I can provide any further information.
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| 10/17/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On the XXXX of XXXX ( Friday ), my employer direct deposited my paycheck into ally. That day, I decided to transfer my funds via XXXX into another checking account to pay my bills. I received an error message and prompted to make a call. I called asking about my transfer and why it was cancelled, the representative went through the process of verifying me then transferring me to the fraud department. Prompted again to verify my information, this time a second time. I called on my spouse phone not thinking this would be an issue as the number was not the number listed on the account. The representative asked me for the verification code that was sent so I told her to give me a brief moment as I grabbed my other phone that was listed on the account. I verified with her the code, then she stated she will call me back. She hung up, then called me on the phone that was associate with my account in which I picked up. She said she just wanted to verify if that was me in which I said, yes.. She then said she will look into this further but at this time my account is locked. She had no further information and proceeded to hang up. I called once more in hope of speaking to someone who could help. Another representative stated that, all NEW USERS have to go through this process to make sure there is no fraud.. the most inconvenient way to check. Either ways, I waited for two weeks as instructed as I will be receiving an email/call once the investigation is finished. Two weeks passed, nothing. I reached out two times that day first time the female representative just kept reading off a script that I should be hearing from someone soon. She said she will note that I reached out. I got no information from her. I even ask how I can provide such information they needed to speed up the process, no further explanation she said. I called AGAIN as hopeful as can be. Reached a gentleman that Ive never wanted to encounter. He stated, you just called, Im not sure why youre calling again? Excuse me? I stated that each and everytime I call, no one has any information for me and each time would state something different. One person would state nothing to worry about the next would tell me they have no idea when, the next states my account is fraud. He then goes on saying, well your account is closed from this moment on, I have nothing to say to you, we no longer want to work with you. I stated, Sir, I didnt even have a chance to use my account let alone have a relationship with this bank. The funds that I have in my account, Its been held for over two weeks and in this economy no one has the luxury to go without paying their bills. He stated, I cant help you, good day. Then hangs up. Out of anger, I called again and again and again. Each time I would ask for a bank statement, a closure letter and conveniently they cant send that or would lie and state it will be sent home 7-10 business days. I actually waited 7 business days more and still did not receive an account closure letter or a check for the remaining balance. I called today XX/XX/XXXX ( Tuesday ) was told my account is closed my funds are isolated and theyre not sending any form of paper home. Ive never worked with any bank as difficult as this bank. Please if any one can help me access the funds that rightfully belongs to me, as this is illegal for a bank to hold a customers money after account closure, please help.
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| 06/22/2018 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Problem accessing account
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Web |
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I recently applied for HUD subsidized housing. As a HUD requirement, HUD must contact any banks to obtain financial records from them.
- A request was submitted to Ally Bank on Fri, XX/XX/XXXX for them with a simple request to provide an average of my account balance over the past 6 months. As of Friday XX/XX/XXXX and after multiple requests from the Housing Agency in which Ally Bank failed to respond in any way, I was contacted by the Housing Agency to find out what was the delay and told that the bank 's failure to respond could result in not being approved for housing assistance at this time.
- I called Ally Bank and was told that they are backlogged. I was told that as a matter of policy they take up to 5 business days for this kind of request. I pointed out that it was currently the 5th business day so by their own policy, it should be handled by the end of the day. I was told they would not be able to fulfill this request. I explained that this was an unreasonable amount of time for such a request and even the 5 business day policy was too long. I explained that this should be a common request for them to receive as it is a HUD requirement and asked why, as they advertise themselves as a 24/7 bank, that they could not have a faster turn around or have implemented an automated process to handle these kinds of requests.
- The only solution that was offered to me was that they could escalate the request, but this could be another 24-48 hours. I asked if this meant by the clock, and was told that this meant " business hours '' and assumed that to mean it could take another 6-8 days for an 8 hour work day, based on how they have misrepresented themselves and their hours in the past. I told them this was not acceptable and since this is a HUD requirement and that my housing security was at stake that this was horrible service that could cost me housing and a lot of money. The customer service supervisor, XXXX, stated that she called the " back desk '' and spoke with someone ( a real person ) and explained the issue but they refused to budge on their " 24-48 hour '' policy. I told her that I was appalled that she spoke to a real person, who after explaining the situation, still refused to do something to take care of this already delayed request that could have such a profound impact if not completed in a timely manner.
- I was told by XXXX, that because they have so many customers, it takes them longer to handle these requests than they have in the past. I told them that excuse was unacceptable, because if they have more customers, they need to hire more staff to accommodate them. Their insistence on cutting corners in this manner is causing their customers financial hardship and needs to be stopped. If Ally Bank can not adequately take care of their customers, they do not deserve to have them.
- This is one example of many where this business has failed to live up to it's advertising that it is a 24/7 bank. On many occasions on this phone call I was given excuses about their problems with handling requests after the " end of business '' and unable to handle issues " on the weekend ''.
- I am incredibly frustrated that Ally Bank continues to fail me as a customer and I'm very concerned that this particular failure to provide adequate and timely service could personally cost me hundreds to thousands of dollars as well as my housing security.
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| 08/07/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I applied to Ally for a mortgage assumption and my application, fees, and supporting documentation were received by the company on XX/XX/2023. The company erroneously denied my assumption application advising that Ally did not permit assumptions. Ally later retracted that claim and corrected advising that assumptions were in fact allowed. I went through the underwriting process twice due to delays on behalf of the assumption processing department for Ally, also known as XXXX. I had to produce financial and court documents multiple times as they had aged out by the time the file was actually reviewed by a processor. Within 24 hours of receiving a request from XXXX, I provided them with the requested documentation. All information was sent via certified mail to confirm delivery. On XX/XX/2023 I received confirmation that underwriting approved my assumption and that my file was in line for an approval letter to be issued with next steps. Since that time, I have called or emailed the company over six times requesting a status, timing expectations, and next steps ( i.e. do I need to hire a Real Estate Attorney or a title closing company ). All emails go unanswered and phone calls are non-committal, even at the second and third supervisory level. The assumptions department has no direct phone number or email to reach anyone. An Ally employee is not even able to call the assumptions department. Today, XX/XX/2023, I was advised that although underwriting reviewed my application and approved it, the protocol is to send it back to Ally for a second review and approval, before " the letter '' and next steps to be issued. XXXX is now advising that they " have to take direction from Ally ''. I have requested timing on this process, I have requested contact information for the loan origination office at Ally, and no one seems to be able to provide me, the consumer, any information. My assumption application has been on file now for 113 days. XXXX/loan administration points the finger at Ally, Ally points the finger at XXXX XXXX XXXX And at the end of all of it both companies response to me, the consumer, is, " just go ahead and refinance, it will be faster ''. That is because the company wants me to have to do that due to my timing constraints. That's in the Ally 's best interest, to start my 30 year loan term over, more than double my interest rate, pay closing costs. That is unfair and unreasonable. I have almost perfect credit, my employer has provided a detailed report to Ally regarding my income, and I have religiously paid my mortgage early for over 11 years. My house is worth 3x more than the remaining loan amount on the mortgage. Ally knows I have a timing deadline that is Court ordered relative to a divorce to have this completed by XX/XX/2023. They have had over 113 days to process my very straight forward assumption application with no delays on my behalf. The process was originally supposed to be 30-60 days, then 60-90, then 90-120, all due to claims of a " favorable refinancing environment '' of which is not an accurate depiction of the current environment. Ally is taking advantage of a customer to pad their pockets and force me into a refinance. I find it unbelievable that a reportedly regulated industry such as lending, has no timing or communication requirements for the consumer. It's unfair lending practices and discriminatory for the customer.
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| 04/20/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I applied for a mortgage to purchase a second home in early XX/XX/2020. I locked my rate of 3.875 % on XX/XX/2020 and paid {$550.00} for an appraisal. On XX/XX/2020, I received an email from XXXX XXXX, the " Licensed Loan Expert '' on my file ( cc XXXX XXXX, loan processor ) telling me " our Underwriting Team have asked for a change of occupancy on your loan file. I've adjusted the occupancy to reflect an 'investment ' property rather than a 'Second ' property. '' She also included 2 new rates - a 30-year loan at 5.5 % or 5.799 %, an increase of 1.62 % and nearly 2 %.
I responded that same day to request the rationale for the change of occupancy. Ms. XXXX responded and asked what the purpose of purchasing the property was, to which I responded that it was intended as a second that I might be relocating to in the next few years ; it was not going to generate income and my mother would be living in it in the meanwhile.
There was no response, so I followed up on XX/XX/XXXX, asking for an update and again asking for an explanation about the reclassification. Ms. XXXX responded and stated that she was going to have to contact the underwriter ; she promised to follow up on Monday.
Having received no follow up, I reached out again to Ms. XXXX and Ms. XXXX on XX/XX/XXXX asking for an update on when I would get an explanation for the reclassification. I received a response from Ms. XXXX asking if I had spoken with Ms. XXXX ( I was unaware that I needed to speak with Ms. XXXX, nor had I received any communication from her since her XX/XX/XXXX email ). Ms. XXXX then stated that underwriting said that " we are capped at 70 % LTV and it has to be classified as an investment property and can not [ sic ] be considered a second residence. '' The 70 % LTV ratio could have been fixed by me merely changing the amount of my downpayment ( I had applied indicating I wanted to put down 30 % ) and I still did not have an answer to the question of the reason why the reclasification was necessary. I ceased communication with Ally Home Loans and started working with a different lender.
On XX/XX/XXXX, Ms. XXXX emailed again and asked whether I intended to move forward with my current application. I responded that she should close out my application and that I would be sharing my experience with the CFPB as a potential violation of fair lending laws. That same day, my new lender indicated that I would need to pay them for an appraisal. I asked my new lender if I could use the appraisal I had already paid for with them and was told that Ally Home Loans would need to release the appraisal to my new lender. I contacted Ms. XXXX and asked her if this were possible and if so, what did I need to provide. Once I provided the requested information for the request, I received an auto-generated email stating that Ally Home Loans would not be able to transfer the appraisal to my new lender.
Overall, I still have no indication of the reason Ally Home Loans arbitrarily changed the type of loan I was requesting or what eligibility requirements I met or failed to meet. In the absence of such information, I can only conclude that some form of discrimination was responsible since the classification change happened only after they would have received information about my race, gender and marital status. In addition, I have now had to delay closing and pay for an additional appraisal.
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| 06/19/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
Older American |
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XX/XX/2021 : purchased XXXX XXXX XXXX from XXXX XXXX of XXXX, California ; XX/XX/2021 : cancelled and requested warranty refund be sent directly to me ; I contacted ALLY FINANCIAL SERVICES & XXXX XXXX XXXX XXXX XXXX XXXX ' response : " ALL warranty refunds go directly to the lender ''. Period.
ALLY FINANCIAL SERVICES ' response : " WE apply the warranty refund to the BACK-END of your loan ''!
XX/XX/2021 : I requested someone from ALLY ' Risk Management Team contact me.
NO response from anyone until late XX/XX/2021.
ALLY 's initial ( female ) representative reached-out to me and stated ALLY 's computer-screen response : " it's in your contract ''!
I stated : " the provision is UN-lawful thus UN-enforceable ''!!
the same as previous industry auto loan contracts that contained UN-lawful provisions, including, but not limited to : " the vehicle may NOT be removed from the state-of-purchase ''!
said UN-lawful stipulation is NON-binding, HOWEVER, the balance of NON-contested loan provisions remain valid and in effect.
early XX/XX/2021 : ALLY ' " XXXX '' called me and stated previous robotic-responses.
I asked : " in which country does any type of refund request by a ( n ) y ) consumer be refunded directly to a " 3rd-PARTY ''?
with my blatant and obvious NON-agreement NOR authorization/permission?
" XXXX '' stated : " it's in your contact ''!
I stated : " the provision is UN-lawful thus UN-enforceable ''!!
the same as previous industry auto loan contracts that contained UN-lawful provisions, including, but not limited to : " the vehicle may NOT be removed from the state-of-purchase ''!
said UN-lawful stipulation is NON-binding, HOWEVER, the balance of NON-contested loan provisions remain valid and in effect.
ALLY, apparently, has UNILATERALLY applied MY {$1900.00} USD WARRANTLY REFUND to MY AUTO LOAN with : NO input from me whatsoever.
I explained to " XXXX '' that I NEED MY {$1900.00} USD WARRANTY REFUND : to PAY-OFF a MINIMUM of four ( 4 ) credit-cards that will PERMANENTLY ERASE $ XXXX per month from my budget, thus making my new car loan much easier to pay every month, PLUS, also allowing me to PERMANENTLY PAYOFF multiple smaller-amount dental and medical bills that have since FAILURE by ALLY XXXX XXXX XXXX XXXX to ISSUE MY WARRANTY REFUND DIRECTLY to ME, ARE NOW ON MY CREDIT BUREAUS, DAMAGING MY FICO CREDIT SCORES by " SCORES '' of CREDIT POINTS!
" XXXX '' stated that same would have his Manager, XXXX, reach-out to me ; that was weeks ago & counting.
( I AM 119 % certain that XXXX XXXX XXXX XXXX ALL OTHER AUTO DEALERS & AUTO FINANCIAL SERVICES ARE MISAPPROPRIATING FUNDS-of-CONSUMERS to LENDERS rather than directly to CONSUMERS! ) ADDITIONAL COMPLAINT : I was told at dealership that ALLY has ten ( 10 ) days to " re-consider '' loan.
I received a letter from ALL dated XX/XX/2021, some 19 days after-the-fact that : " ALLY has chosen NOT to accept the terms submitted by XXXX XXXX of XXXX. Please contact dealer fro NEW TERMS/CONDITIONS ''!
ALSO, the Finance Manager at XXXX XXXX of XXXX stated : " this part where you are signing, you are giving-up YOUR COOLING-OFF-PERIOD ''!
how is it that ALLY has ten ( 10 ) days to " reconsider my loan '', HOWEVER, MY ten ( 10 ) days to " COOL-OFF '' is TAKEN-AWAY from ME?
EMOTIONAL STRESS in XXXX!
and then some.
even for a reasonably HEALTHY HUMAN-BEING AKA PERSON!
XXXX XXXX XXXX
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| 07/05/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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XXXX, 2016, I was wrongfully terminated for filing a discrimination complaint. Due to being denied unemployment for such complaint, I hit financial hard times. Ally Bank offered me an extension which I agreed too. Less than a week later a collection department representative contact my co-signers place of employment and harassed them to the point that they terminated her. I contacted Ally and finally after several attempts started working with XXXX XXXX/Customer Service. A short time later my car was repossessed. XXXX XXXX worked and got the care returned to me while working with my complaint about the wrongful collection efforts that had happened to my co-signer. He stated that the repossession was a computer error on behalf of Ally. I landed a job and while at work I was contacted by a collection person and informed that I had to get my payments caught up-they extended to me another extension. I signed and faxed it to the number that I was given as well as made the out landish requirements for the payments. While at home getting ready to return to work, I hear a horrible noise in my driveway, they are repossessing my car again, I run and stop the tow truck driver, requesting to get my medical stuff out of the car, he agrees if I will surrender my keys to him. I go back in the house to call Ally/XXXX XXXX and I hear this horrible noise again, I rush outside and the tow truck driver has drug my car across my yard jumped the curb damaging the front of my car and is dragging it down the street with the front end scraping the ground. I left several messages for XXXX XXXX and talked with several people including in the XXXX. No body could assist me or simply did not want too. I finally called the police department, they had no record of a repossession at my address. I finally talked with a lady in the " retention department '' from the XXXX. She informs me that I have to pay over a 1000.00 to get my car back, she does not listen to my explanation and confusion but does give me the name of the repo company ... no number or address was provided. I finally locate them. I am instructed to bring my keys to get my belongings out of the car ... .it is XXXX XXXX Texas . Upon arriving, I am treated like a criminal, they take my keys, have me sign paperwork through a protective cover glass window, I ask for a copy. Upon the lady 's return, she hands me my copy and tells me that they have removed the contents of my car and they are out front in bags and that I will not have access to my car. Finally after several days, I finally receive a call from XXXX XXXX, after two weeks I finally get my car back, only to have lost my job. I have complained endlessly, I have provided pictures of the damages to my car, the ordeal that I have been put through and to date nothing has been done to Ally costing my co-signer her job based on the rude and unprofessional threats that they made to her employer. Due to a job change or promotion or even his health, XXXX XXXX was transferring my complaint to another customer service agent, XXXX XXXX. He has not returned my calls or cooperated with the BBB or Attorney General 's office and has done nothing to resolve my complaint or pay for the damages to my car during the repossession. I have provided him with documentation, pictures etc. Documents and pictures are available upon request to support my complaint to your offices.
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| 06/15/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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My truck was repossessed. Ally took my {$2800.00} redemption money to get it back, I went to the impound lot in XXXX XXXX, AR to pick it up and it was gone! I called Ally and was only able to speak with foreigners who told me they had it picked up and sent to auction by MISTAKE anyway. " A series of unfortunate events ''. All they did at that time was give me phone numbers to different auctions in OK, TX and TN to try to locate the vehicle MYSELF and be expected to go out of state to get it MYSELF and only told they could send me an email complaint form. I called EVERYDAY with no result. My girlfriend who has worked at a car dealership for 13 years even exhausted all her contacts at Ally, still with no help or result, we posted on XXXX and received replies but no result, only messages to call the same phone number or that they had our information already. We even found the names of high ranking people at Ally, I emailed the CEO of the company and got no response. For 16 days they didn't know where the vehicle was and getting XXXX help from them or the company who wrongfully picked the vehicle up without notice when payments were current. I definitely was not ever provided notice of the car being sent to auction, which is a state law violation I believe. I eventually located the vehicle myself with the help of an XXXX from XXXX of the auctions I contacted. Turns out the truck was sent to a different online auction than the phone numbers I was given. I then took time off work and spent my own money to go to XXXX, TN only to get there 10 minutes too late & have to miss work again the next day and spend more of my own money to go back to get it again. The truck was missing and gone for 17 days from the time Ally took my {$2800.00} redemption money. I had no ride to work and had to pay people to bring me to and from work each day. I was loaned the money from my job so it also made me look like a real jerk at work after asking for the money from my job to get my truck back, then continuing to show up there for more than 2 weeks with no truck. The transport company who picked up the truck from the impound lot were rude and unhelpful as well in trying to locate it. In the 17 days that my truck was gone, Ally took my money and wrongfully took my vehicle at NO time did ANY ONE EVER offer me a rental car or offer to credit my account for services not rendered. Only a couple of people I talked to even seemed sorry about it, but sorry or not NOTHING was done about it! Seeking monetary compensation and will be forced to get an attorney if this isn't rightly settled. My credit report also shows the repossession, my friend also missed more than 1 day of work to drive me to XXXX to get the vehicle, my girlfriend & I have spent a considerable amount of time in trying to deal with this problem & research what to do about it. I was told by the auction when I went to pick the vehicle up that " this happens all the time '' and that " if I had not gotten there that day to pick it up it would have been sold. '' The Arkansas LAW contract states that they can resell it if it's repossessed but I get the feeling that maybe that's what they had hoped would happen ; withhold the location of it long enough for it to be sold then charge me for the contract balance anyway. Please help. It's been a bad ordeal for myself, it isn't right and we want justice. Thanks so much!
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| 01/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Ollo Card Acct # XXXX - Someone in XXXX credit reporting Department is COMMITTING FRAUD!
I have sent XXXX 2 direct disputes. I have spoken to FOUR dispute supervisors. 2 dispute supervisors have ESCALATED my recent dispute.
Someone in the credit reporting department of XXXX is NOT reporting my monthly payments. However, they are committing FRAUD by FRAUDULENTLY reporting charges and over the limit transactions to my credit file that I NEVER MADE. I have NEVER gone over my limit! NO ONE at XXXX can tell me HOW or WHY this FRAUD is happening. NOTHING HAS BEEN CORRECTED ACROSS THE BOARD! XXXX THROUGH XXXX PAYMENTS ARE STILL MISSING!
I want a THOROUGH INVESTIGATION PERORMED on my account & the reporting of it AS SOON AS POSSIBLE!
I need XXXX to ACCURATELY report ALL information to my account. I need EVERY missing payment for EACH month, EVERY available credit balance for EACH month and EVERY credit limit for EACH month reported ACCURATELY & TRUTHFULLY!
I pay my bill EARLY each and EVERY month. However, my credit report is NOT reflecting this AND my credit score has DROPPED XXXX POINTS at EACH major credit bureau!
1. There was NO XXXX payment reported to XXXX.
2. There was NO payment reported for XXXX, XXXX or XXXX to XXXX.
3. There was NO payment reported for XXXX, XXXX or XXXX to XXXX.
4. On XX/XX/XXXX and XX/XX/XXXX, XXXX FRAUDULENTLY reported that I made {$430.00} in charges and a balance due of {$540.00}, which means I charged {$45.00} OVER MY CREDIT limit.
My credit score has PLUMMETED OVER 40 POINTS SINCE XXXX.
I directly disputed these false, inaccurate & FRAUDULENT reports with XXXX in XXXX AND AGAIN on XXXX the XXXX, and now AGAIN on XX/XX/XXXX.
It has been WELL OVER 30 DAYS! My credit reports should have BEEN CORRECTED! PAYMENTS ARE STILL MISSING!
I need ALL of these corrections made as soon as possible. You are making FRAUDULENT, erroneous, inaccurate reports & statements to my credit files.You are also reporting FRAUDULENT charges and statuses. You are DESTROYING my credit worthiness and reputation. You are DEFAMING my character!
According to 15 USC 1681a You did not perform your LEGAL, GRAVE RESPONSIBILITY. You have also been UNFAIR & PARTIAL.
You continue to knowingly & willfully commit FRAUD, violate my consumer rights and break the consumer FEDERAL Laws. If you fail to go back to XX/XX/2022 and ACCURATELY report EACH of my MONTHLY payments, balance due, and avaliable credit to XXXX, XXXX XXXX XXXX, within 7 Days, according to the law : 15 U.S. Code 1717a, You will be held accountable and fined to pay {$1000.00} per cusumer violation.
If you fail to PREMANENTLY DELETE, CEASE & DESIST reporting ALL of these FRAUDULENT, ERRONEOUS & INACCURATE statuses & information from my XXXX, XXXX XXXX XXXX XXXX files within 7 Days, according to the law : 15 U.S. Code 1717a, You will be held accountable and fined to pay {$1000.00} per cusumer violation.
I will also exercise my right to be awarded my compensation easy & fast through Consumer Protection 8.
I reserve the right to commence in legal proceedings to recover the damages without further notice to you. This letter and all correspondences you received from me and the CFPB will be tendered as evidence of your failure to comply with the Federal Laws Established by FCRA, CFPB & FDCRA.
Warm Regards, XXXX : XXXX Without Prejudice All Natural Rights Reserved
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| 09/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Repossession
- Company explaining amount owed
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Web |
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There are no suitable fiduciaries within the administration of Ally Financial Corporation. Fiduciaries are in breach of their duties, in breach of their obligations, in breach of consideration. They are not upholding the Power of Appointment Act, Social Security Act, Emergency Banking Act, Securities Exchange Act, Negotiable Instruments Act, Dodd-Frank Act, Gramm-Leach-Bliley Act, Public Law 73-10, Title 18 >Part I >Chapter 1> Section 8, Title 12> Chapter2 >Subchapter I> Section 24, also in violation of the Universal Postal Union, & The Constitution for the United States of America ( circa ) 1787 .
I have tender payment in the form of Registered Securities to the Trustee/Paying Agent to their addresses on file ( Indenture Trustee, CEO, Processing Center ) which have not been returned to me. They have stolen my securities passing it on to a transfer agent who has most likely gave a special endorsement & pooled. XXXX XXXX have made a claim on the original instrument in correspondence for account in the name XXXX XXXX. Also, filing 1099s with the IRS in an attempt to settle, offset, discharge this event. The only correspondence back XXXX XXXX received from Ally Financial was to state 1099 is not a form of expectable payment also to inform XXXX XXXX of what was fit form of payment.
As Grantor of this event, XXXX XXXX have claimed & made request that are totally being ignored ( RED FLAGS ) as consumer/debtor. Now over standing the debtor have rights under the uniform commercial code. Over standing now that XXXX XXXX gave a blank indorsement on the instrument. Grantor XXXX XXXX was & who has given value for the interest in negotiation to the original Instrument. On more than one occasion XXXX XXXX have tried to settle & reconcile this account by sending tender /requesting documentation including any single or double book entry, ledger, journal where XXXX XXXX allegedly cause physical debt, expense, loss, or in the case of tort. Where XXXX XXXX caused injury, medical records, time lost, work lost. It is crucial that XXXX XXXX address any legal, mental, medical, financial matters. Ally Financial have failed to provide any evidence under penalty of Perjury to ascertain and articulate the validity of this account, which XXXX XXXX have requested.
These are Red Flags, XXXX XXXX no longer believes the action is legal, being discriminated against in many forms, trying to attain my rights. Harassed every single day by phone, sending third parties ( XXXX XXXX ) to my abode to take my property. Its feeling like a simulation of a legal matter. XXXX XXXX waived rights unwillingly, unknowingly and am trying to correct the error & omissions. XXXX XXXX NO longer believes that there may be an outstanding debt, or an obligation to contract, in connection with this account, tort, with the action. Were there any proceeds made that exceeded any amount of debt from the initial transaction. Does Ally Financial have legal, and equitable possession, do they have the notes, security agreement, pertinent to the account in question. Mere copies will not suffice XXXX XXXX requires signed statement by President, CEO, Secretary, Treasurer with joinder. XXXX XXXX requires assurance, XXXX XXXX believes ALLY Financial does not have original, legal equitable possession to the property title nor interest. XXXX XXXX must be able to obtain relief where it shall be granted.
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| 09/15/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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On XX/XX/2022, I leased a New XXXX XXXX XXXX XXXX through a Dealership and the deal was done through Ally XXXX. The " Agreed Upon Value of the vehicle '' was {$57000.00} and we put down {$9000.00} in a down payment or capitalized cost reduction. This made the 'Adjusted Capitalized Cost ' for the vehicle which was leased upon at XXXX miles a year for 36 months at {$48000.00} or {$520.00} per month. The total rent charge during my lease duration was to be {$18000.00} We had leased the vehicle for 5 months which means we paid XXXX payments for a total of {$2600.00} ( XXXX x XXXX ). The buyout of the lease was then listed around {$46000.00} on the Ally website. On XX/XX/2022, I was in a not-at-fault accident where a semi-truck wheel came loose from the vehicle and hit my car and totaled it. I informed my insurance and started my claim.
XXXX valued my car at {$55000.00} ( or {$54000.00} with my {$1000.00} deductible ). Ally 's total loss department then requested the exact value of the car at the time of the accident which was the {$54000.00} of which XXXX is legally required to abide. However, this means that Ally then took the overage and also netted around {$8500.00} more than the car was sold at XXXX due to our down payment.
Ally conveniently took off the buyout amount for the lease once the car was totaled so that they could keep the overage. Also, in Ally 's lease they note on Section 38. ( a ) If the money we get from your insurance is more than the Unamortized Capitalized Cost ( see definition in this section ), we will not give you credit for the excess. '' Ally stole our money and requested the exact amount from XXXX that the car was told it was worth rather than using their Unamortized Capitalized Cost. They should have requested the Unamortized Capitalized Cost which can be used by using the rent charge by the remaining XXXX payments, taking out the XXXX payments already received, Which leaves {$7600.00} in unearned rent charge which when subtracted from additional payments equals {$8600.00}. That added to the residual value notes on the lease of {$38000.00} equals {$46000.00}. This means that when Ally requested and kept the overage that XXXX sent of {$54000.00} they came out with a surplus of over {$7000.00}.
We spent several hours on the phone with the Ally Total Loss Department on XX/XX/2022. They would not answer our questions. We even had a group call with XXXX and Ally where they tried to get Ally to answer our questions. They would literally go silent on the phone. We even had a response that said they got to keep the money because on the lease it says they can keep the " market value of the car '' which is not true and not stated on the lease. Their call center would hang up on us when they did not want to answer and we made over 7 calls to the department that day. We were never given answers and they would not send us up in management to get someone that could answer our questions.
Ally inaccurately represented themselves on the phone and to XXXX by requesting a surplus amount. They then left a couple without a vehicle who got in a horrible freak accident with a hit to their finances that was unexpected. While dealing with the medical issues related to the accident Ally left us in a horrible position. I would like answers of why they believed they should keep that money they inaccurately requested and kept.
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| 03/24/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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Hello I Hope this finds you well.
I had purchased a used car through auto lenders in XX/XX/XXXX. I have appreciated, taken care of and appraised my XXXX XXXX XXXX. I am reporting Ally financial for placing inaccurate and fraudulent claims on my credit report without my consent. Ally financial has been reporting my car loan payments as late payments since XXXX of XXXX when my records and statement show that I have been making my payments of {$320.00} on time and or within the company grace period. According to the 3 credit bureaus, partial payments are not to be considered late payments.
The reason the I am calling the payments partial is because of the balance due on my account is more than my monthly payment being that I was having a hardship. In the past year, I have had multiple life changing and life altering situations such as relocating, giving birth, losing family members, jobs, etc.. like many others due to the pandemic. I communicated my hardships and I asked Ally for assistance with my loan in XX/XX/XXXX until XX/XX/XXXX.
Ally was not willing to defer or adjust my payment plan to fit my current situation to withhold our contract.
I kept the payments of {$320.00} up but I didn't have the funds to pay off the whole balance just yet, the whole time I'm keeping my payments up Ally is busy harassing my cosigner and I ... the harassment gotten worse in summer of XXXX and I had to tell an ally employee to tell their third parties to stop harassing my grandmother.
I also experienced multiple third parties associated with Ally calling me with false information trying to cause fear and confusion while doing their best to gain information on me.
For a year now, Ally has been tracking me and my personal information with third parties that I did not consent to having my information.
Ally took action on my account and my vehicle with no notification. I have been telling Ally that I have not received any letters, any emails, any calls or text messages that my vehicle was out for repo on XX/XX/XXXX.
Anytime I was notified in the past with ALLY about my vehicle and repossession, I immediately handled the situation by doing what they asked.
Again, Ally refuses to pay a doable payment plan to make our contract work in these changing times. Instead of helping or adapting, they are attaching late fees to my " partial payments ''.
It's now XX/XX/XXXX and its been an excruciating two days because Ally 's third party XXXX XXXX XXXX repossessed my car on XX/XX/XXXX every XXXX of the month I make my payment and I still have had online access to pay my bill for two days. The fact that I could make online payments still confirms my fact that my account was still in good enough standing for my account to become current. My account with Ally is not reflecting the correct information on my behalf on my credit reports. My ally account history also doesn't reflect the fraudulent actions ALLY Financial and others are taking against me.
Ally financial continues to make demands to pay them {$1900.00} when I was in the middle of making the payments of {$320.00} as agreed and working to pay down my balance.
Before I had the chance to mention to Ally that I no longer have access to the address the had on file, ally acted on the wrong information.
I need this information corrected ASAP. Thank you so much, I appreciate all that you do.
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| 08/08/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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XX/XX/XXXX {$300.00} XXXX transaction initiated to XXXX XXXX XX/XX/XXXX We realized the XXXX transaction was sent to a closed account XXXX used to have at XXXX XXXX that was still associated with his XXXX account. I called Ally Bank and was told the funds would automatically be returned to me.
XX/XX/XXXX I contacted Ally to check the status of my {$300.00}. I was informed that the closed bank account with XXXX XXXX received the funds. I advised that we had spoken to XXXX XXXX and they advised they did NOT receive any funds. They stated it was impossible due to the account being previously closed. A dispute was opened with Ally bank for this {$300.00} transaction.
XX/XX/XXXX I contacted Ally for an update on my dispute. I was advised of a 10 business day turnaround timeframe.
XX/XX/XXXX I contacted Ally for a status on the dispute. No update available.
XXXX Provisional Credit of {$300.00} applied to my Ally account.
XXXX I received paperwork from Ally to complete and send back regarding details of my dispute.
XXXX I returned said paperwork via email. I reached out to Ally Bank to advise them I had sent my paperwork back to them. Ally tells me to contact XXXX XXXX myself ( even though I do not hold an account with them ) and inquire about the {$300.00}. I advised Ally that XXXX had already done so and was reassured that XXXX XXXX did not receive or accept a {$300.00} XXXX transaction. Ally insists that the transfer was completed and the {$300.00} was not rejected.
XXXX I am notified that my provisional {$300.00} credit will be revoked on XX/XX/XXXX.
XXXX I contacted Ally to express my frustration in their clear lack of true investigation in this matter and was provided with no resolution.
XX/XX/XXXX Provisional {$300.00} Credit revoked. My dispute was re-opened through Ally per my request after much back and forth with them.
XX/XX/XXXX I contact Ally for a status on my dispute. They advise me again of a 10 business day turnaround time.
XX/XX/XXXX I inquire if there are any updates regarding my re-opened dispute. Ally bank tells me that because it was a duplicate dispute it was closed and not investigated further. Brand new dispute opened per my request.
XXXX I contact Ally to check for any updates. I am told again to contact XXXXXXXX XXXX with whom I have no accounts and therefore will not speak to me. Ally continues to insist that XXXX XXXX accepted the {$300.00}. XXXX calls XXXX XXXX and obtains a letter on letterhead stating officially that they DID NOT accept any funds from my XXXX transfer. I obtained a copy of this letter and I sent it to Ally Bank disputes team via email. I advise Ally bank of this and I request that my case be marked as a priority and that it be escalated.
XXXX I contact Ally to inquire why my case has not been resolved after I provided proof of my dispute being valid. Ally advises me they are waiting on a response from XXXX XXXX. I requested a supervisor. I advised again of the document I had already submitted from XXXX XXXX formally stating they do not have my {$300.00}. I am told by the supervisor that my case would be marked priority and I should either hear from someone or see my money returned by XXXX.
XXXX I have still not received my {$300.00} and have heard nothing from Ally. I contacted Ally and spoke with another supervisor and was told my case was being escalated.
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| 03/18/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Can't contact lender or servicer
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Web |
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I have recently moved from one state to another. It just so happen that the registration on my car expired at the same time the move occurred. I called them and asked them to please e-mail me the title so that I could register my car. This took two phone calls and finally me contacting them on their website to get this done. When I received it I noticed that is was incorrect and my name was not on the title. So i then contacted them and after being on the phone for over an hour was informed that they would overnight the package to me. This was on Wednesday XXXX the XXXX. I was told I would have it by the following Monday. Finally on the XXXX. I contacted them and they continued to put me on hold after being on the phone for over an hour I asked the person if they could please contact me back once they have an answer for me on where my title was. After three hours passed I called back and talked to someone else who continued to put me on hold again and after fourty five minutes I then asked this person if they would PLEASE RETURN my phone call this time once an answer is found on where my title was. The following day I had still not received a call so I called back and this person told me that the title they sent to me had been returned to them on the XXXX for some reason that they would be sending me another one that someone from their department would be calling me very shortly. Again the next day I had still not received a call so i called them back for this person to say nothing was on file that that he would have to put me on hold. I sat on hold off and for a hour and a half for this person to finally tell me that they would overnighting me the title again. I thanked them and thought that was the end. Then the following day i received a call form one of them informing me that they were having to order a duplicate copy of the title that this would take two to three weeks and then they would be sending me the information i needed to get the title fixed so that the title would be in my name with Ally as the lean holder, like it should be. Then once they received it they would call me back and over night it to me again. The problem I have with this is my car registration is out. I am not able to drive my car at all that I am making payments on. I have already been waiting a month and I have another 2 weeks at least that I have to wait for them to even get the title that I dont understand how they lost when they told me it was returned to them on the XXXX of XXXX. I will be waiting nearly two months for this company to do something that should have only taken a few days. I will be paying {$230.00} two different times for this car that I CAN NOT DRIVE because this company has messed up and continue to delay me at every turn. I can not get a job in the new town I live in because I do not have transportation. It is hard enough for me to find transportation for my children and I for the things we have to do such as get groceries and such. I would really appreciate your help in ensuring that I can get the required things needed to register my car and I do not think it is fair that I will be paying for my car for two months that I can not drive my car. My payment are {$230.00} a month. This is me paying {$470.00} for a car that i can not drive because the company i pay will not do ANYTHING in a timely manor.
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| 11/01/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
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My housemate, XXXX XXXX, pays me {$800.00} in rent ( sometimes utilities w/ rent payment ) via XXXX XXXX month. On XX/XX/XXXX, I received a XXXX payment from her for {$2400.00}. I texted her to ask what was that for. She said she was on the phone with the bank and it was a fraud issue. I asked if I should send it back, and she said the person on the phone said to do so. I sent back {$2000.00} since that is the XXXX limit. I had a trip to XXXX on XX/XX/XXXX, so sent her the remaining {$400.00} on the XXXX during my travels and trying to wrap things up. Turns out, she was on the phone with the scammer when I sent the {$2000.00}, and the funds went to him.
Refer to attached documents * XXXX XXXX payment history.png * {$2400.00} from XXXX.png * Text with XXXX.PNG * {$2000.00} to scammer.png XX/XX/2022 - I received an email from Ally Bank telling me that my phone PIN has changed. I don't use a phone PIN so I called to inquire what was going on. I went through the typical series of security questions in addition to questions around the fraud issue my housemate dealt with. Then, I was told my account is locked and under review. It can take up to 10 days and I can call within 2 days to get an update. Funds can come into my account but no funds can go out. Payroll is coming in and so is my mortgage payments. XXXX days investigation would mean I couldn't pay my mortgage. I felt deceived into calling and have no insight to what was happening with my account ; just a surprise lock down.
XX/XX/2022 - Funds were removed from BOTH my Checking ( {$210.00} ) and Savings ( {$2100.00} ) account without warning, so I was under the impression that I got scammed too. I immediately filed a dispute with both transactions, then called Ally. Ally initially told me the funds are still there. I challenged it, and they corrected themselves and said Ally removed the money since my account is under investigation. They also told me I was told to call XXXX days after, and that I'm calling early. For someone who received no information on what is happening or what is to happen, having funds drawn from your account is alarming. All the while, I'm freaking out on how I'm going to pay my mortgage since I don't have a workable personal Checking account. Looking back, it looks like the funds they took out summed up to the {$2400.00} that was scammed, which leads me to think they are going to take my money and make me at fault for the scammer.
Refer to * {$2100.00} withdrawn from Savings.png * {$210.00} withdrawn from Checking.png XX/XX/2022 - I called to get an update and I have no update other than account is still under investigation. Why tell me to call for an update if you're not going to give me one? She also told me " You know you have a negative balance on your Savings? '' and I had to tell her because her company took it out... I told her I'd like to close my account. She said she'd make a note of that. I then told her I can't pay my mortgage, and she said she can put a note for the investigator to expedite this. Why couldn't they have done this earlier?
XX/XX/2022 - My {$2400.00} payroll hit my Ally account that I can not use to pay my mortgage and bills.
XX/XX/2022 - I called Ally for an update and got corrected that it takes up to XXXX days for the investigation and still have no information at all on what's going on.
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| 05/22/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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I've tried everything to work with this company. Below are some of the e-mails I've sent. Eventually I faxed a legal request to stop the impounds so I could pay the taxes and insurance directly ; no answer, but more threatening letters. As a retired Business Consultant who ran a mortgage company, I can honestly say I know how mortgages and impounds are supposed to work. As a seasoned loan on auto-pay, not only has a perfect payment record been established over many years that has never been late but also with a substantial equity position ; therefore, it is illegal to force an impound account. As an investor I established one solely for convenience, and have never had a problem before. So eventually I faxed a legal request to cancel the impound account, return the funds they are holding onto or " floating '' to generate interest for themselves, and I will pay the taxes and insurance directly.
Their horrific reviews and massive number of complaints shows how this company operates with bad faith and threatens and ignores their customers with impunity.
" As a retired Business Consultant who ran a mortgage company, I can honestly say I know how mortgages and impounds are supposed to work, yet yours is the worst company I've ever encountered. You botched the hand-off from XXXX, which had been going smoothly for years. You send me e-mails begging me to sign up for auto-pay, which has already been in place for over 10+ years?! Then you send me a letter saying you have an escrow shortage of over {$1200.00}, when taxes on my investment property only went up app. {$500.00}?! Add to that the fact the auto payment has ALWAYS been over the minimum which is required by law to be applied to the principal ( are you even doing that correctly? ) So obviously I tried to contact your pathetic company. You cant/dont/wont answer your phones ( even before the pandemic ), so I sent 2 e-mails over the last MONTH asking for a call from a competent person in management, if there is such a thing, to call me and explain. Both have been answered with useless auto-response case numbers ( below ) promising responses that of course never came.
Now, as you spew drivel about helping out during the pandemic, and while Ive been waiting on you for an explanation, you send me a threatening letter demanding a check specifically labeled SHORT PAY, yet in the same letter say you wont accept short payments?!
And the fax I sent, signed and dated.
Re : Loan number XXXX You sent me a letter saying you have an escrow shortage of over {$1200.00}, when taxes on my investment property only went up app. {$500.00}? You send me e-mails begging me to sign up for auto-pay, which has already been in place for over 10+ years?
You cant/dont/wont answer your phones ( even before the pandemic ), so I sent 2 e-mails over the last MONTH asking for a call from a competent person in management to call me and explain. Both have been answered with useless auto-response case numbers promising responses that of course never came.
I have a better idea ; cancel the impound account immediately ; I will pay the taxes and insurance myself as I no longer have so many investment properties. I want this done immediately. Having run a mortgage company, I am very familiar with the CPFB.
Sincerely, XXXX XXXX XXXX Personal cell XXXX XX/XX/2020 XXXX XXXX PST
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| 02/14/2017 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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I received a voicemail from Ally at XXXX am to return their call regarding billing. I contacted the representative via his extension left by the voicemail at XXXX. At this time, I was told that my car was in repo status and a payment was required to remove repo status and to prevent repossession of my vehicle. We agreed to the terms of making a payment of {$450.00} through certified funds ( via XXXX or XXXX ) and at that time I was also offered and approved for a 60 day extension for remaining balance. Representative stated at that time, after payment was made I would need to call back with reference number to verify funds had been sent and received. Payment was sent of {$450.00} at XXXX XXXX per XXXX reference and receipt ( Please see attached receipt for time stamp, date, reference no, and amount sent XXXX. Once payment was submitted, I called representative back with reference number, waiting XXXX minutes, as instructed to do so. After providing the reference number to representative for verification, I was told payment was received and my car is currently removed from repo status. At XXXX, I received a call back from the representative and was told that he just noticed on my account that my vehicle had been repossessed at XXXX and that I would need to be transferred to the redemption department. After waiting on hold for a little over an hour to be transferred to the redemption department, I spoke with a rep that stated that my case needed to be sent over to the Escalation Department because my XXXX receipt shows payment made before repossession but their system showed payment was n't made until XXXX ( ONE minute after repossession ). I am extremely disappointed, not only because the payment was made and can be proven that it was made before XXXX but that this issue could not be resolved in lieu of a XXXX minute discrepancy between the XXXX parties. Redemption dpt rep placed me on hold multiple times before being able to transfer me to the Escalation department, where I was told is the dept that would be submitting the proper paperwork to have my vehicle returned to me due to incorrect repo. After speaking with Escalation dept rep, I was told that my pmt was showing as XXXX, car was picked up at XXXX, and therefore the tow was valid. I have documentation that states otherwise however representative now stated that the repo is not based on the time of payment but the time of calling in the reference number for the payment. I told her that I was instructed to wait for several minutes before calling back. Not once was it expressed to me that payment was time-sensitive. I was told my car was no longer in repo status after making the payment. Between XXXX separate reps I have been told different reasons why I can not retrieve my vehicle. Each time I speak with someone new, there is always another excuse or rule on why the tow was valid. The escalations dept rep said that she would send an email to the XXXX, and they would make a decision if the tow is valid. I am being told to wait until the end of the business day for a decision to be made, however I am confused as to why a decision needs to be made, when I have documentation clearly stating the time of payment. I was not able to attend work today because of this issue escalating to this point. I am hoping it will be resolved in a timely manner.
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| 01/26/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XXXX I made a debit card transfer in the amount of {$5000.00} from my XXXX account to my Ally checking account. XXXX had to review the transfer for fraud, and after it was determined legitimate it was deposited into my Ally checking account.
On XXXX I called Ally to see if I could send the money via wire transfer to my local bank. I was told that the request could not be completed over the phone for my safety and that I had to fill out a form and fax it in. A few hours later I called Ally again to see if I could get my ATM withdraw limit raised to $ XXXX. I was told by the Ally representative XXXX that the request could not be completed and would need to be reviewed. However, he informed me that the previous information I received about the wire transfer wasn't entirely accurate and that I could fill out an online form to be submitted right away. I filled out the online form and submitted it scheduled for XXXX. I also went to the local ATM to withdraw {$1000.00} On the morning of XXXX I went to the local ATM again to withdraw {$1000.00}. That afternoon I received a call from a number I did not know, and I was at work so I did not answer. Someone by the name of XXXX ( this may not be the correct spelling ) from Ally 's Fraud Prevention department left me a voicemail that I need to call her right away regarding my account. I was able to take an early lunch and gave Ally a call. After being on hold for 13 minutes I was told that I would be transferred to XXXX because she needed to speak to me urgently.
When she got on the phone she was immediately aggressive. XXXX asked me where the money came from, who it was from, and what it was for. I explained to her that it was from a friend and it was already cleared by XXXX. She asked me what the urgency was to withdraw the money and cited requesting the ATM withdraw limit, withdrawing funds from an ATM, and requesting a wire transfer as the reasons for her speciousness. She stated that unless I told her what I intended to use the money for that she was going to lock my account until further notice. When I told her that I have no obligation to tell her what I spend my own money on she hung up the phone. When I tried to login to the account later this evening it was locked.
After I got home from work I tried to call Ally bank eight separate times asking each time to speak with a manager. The first lost prevention specialist I spoke with was named XXXX. When I told her that I needed to speak with a manager she said, " That's not how it works '' and refused to help me unless I told her the situation first. When I informed her that I was going to begin recording the call, she too got aggressive and said that she was going to refuse to help me any further unless I stop recording. When I refused she hung up.
The next six times I called I was hung up on as soon as I was connected to a representative. On my eighth and final call I was connected with someone that took my information and said he would inform the manager of my situation. He said that he had a manager on the line and that I would be transferred. The phone rang a few times and I was sent to a voicemail. I informed the manager via voicemail of my situation and that if I was not called back I would be forced to file a CFPB complaint. I now have over {$3500.00} in an account that I can not use.
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| 01/29/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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I'm filing a complaint against Ally Auto Finance due to both the dealership and the finance company attempting to force a loan contract in my name. I specifically told XXXX XXXX the finance manager at XXXX XXXX XXXX XXXX I do not authorize my credit or loan to be sent to any lender other than XXXX XXXX. I also documented this on the credit form I signed at the dealership authorizing them to run my credit. Upon completing a phone verification on XXXX with XXXX XXXX ( due to having a fraud alert on my credit file ) I inquired why the loan was not approved in both my daughters name with me as the co signer. I was informed by the representative that no loan was submitted in both names, only mine. I was advised by the representative to contact the dealership and have them send over a corrected contract with me as a co signer so they can approve the loan. I immediately reached out to XXXX XXXX and informed him of the situation and asked him to resubmit a corrected contract with me as a co-signer. I also stated to XXXX, if he couldn't get the loan approved through XXXX XXXX I did not want the vehicle. I also received a text message from XXXX on XXXX to contact him because XXXX XXXX isn't funding the loan because I told them the car was for my daughter. After finally being able to get in contact with XXXX on XXXX, XXXX stated that he had worked everything out by pushing the loan through with Ally. I stated to XXXX XXXX did not authorize you to do so and reiterated to XXXX if he couldn't get the loan approved with XXXX XXXX the correct way, I do not want the vehicle at all. XXXX replied he was with a customer and he would call me back. I immediately contacted Ally Auto Finance and notified them of the situation and reiterated to the representative several times I did not authorize this loan in my name and it was fraudulent, and the contract needs to be canceled immediately. I was informed by the Ally representative that he would note the account of this and I need to contact the dealership and have them contact Ally regarding the issue. I then contacted the general manager XXXX at XXXX XXXX XXXX XXXX and informed him of the issue and he assured me that he was going to straighten everything out and get back with me. Since this time, I have left numerous voice messages for XXXX and XXXX, with no response from either of them. I also spoke with Ally Auto Finance on XXXX and XXXX regarding the same issue stated above and Ally refuses to flat cancel the contract even after notifying them that the dealership was given me a hard time and I contacted Ally on XXXX and notified them I did not authorize the loan, and that the vehicle is no longer in my possession, it was returned back to the dealership ( XXXX Of XXXX XXXX. I also spoke with someone from Ally on XXXX and stated I didn't authorize the fraudulent loan that's still under my name, I no longer have possession of the vehicle and that I wouldn't be making any car payment. I also notified Ally that I filed a dealer complaint with the DMV against XXXX XXXX XXXX Florida concerning this loan. Furthermore, I haven't received any paperwork regarding a loan with Ally Auto Finance. I was told by XXXX XXXX that he pushed the loan through with Ally. In return, I called and notified Ally I did not authorize a loan in my name with their company.
Thank You,
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| 10/29/2015 |
Yes |
- Bank account or service
- Savings account
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- Account opening, closing, or management
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Web |
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I had XXXX accounts with Ally Bank. XXXX was a checking account, which I used for my small business, and the other was a savings account held jointly with my wife.
In XXXX I received a substantial tax refund from the IRS, which I deposited in the savings account. A few days later, I noted that the account had been frozen and I called Ally Bank to ask why. The Customer Service rep told me that my wife and I were suspected of fraud, based on information received from the IRS. As directed by the rep, I called XXXX XXXX ( ( XXXX XXXX XXXX ) of the Loss Prevention Department. She told me that the funds were being sent to the IRS, but she refused to give me any information on which department of the IRS had requested this, who I should contact, or how I should go about getting the funds returned.
After many hours of calling different IRS departments, I finally located the responsible division of the IRS - the Identity Theft Department in XXXX, TX. They told me that, while they agreed I was entitled to the money, they wanted to make sure that I was actually the person who had filed the return and deposited the money. After a XXXX minute conversation, I managed to verify my identity to their satisfaction and they agreed to re-send me the check.
However, the next time I checked on my Ally account, I found that the savings account had been closed. I called XXXX XXXX again, and she was unable to say any more than that Ally had decided to close the account because of the involvement of the IRS. I asked to speak to a supervisor and she transferred me to XXXX XXXX ( XXXX XXXX XXXX ). He told me that Ally could close any account they wanted, for any, or for no reason. I asked him whether he felt that Ally had a duty to act reasonably in dealing with their customers, and he replied that they did not and that they could do whatever they wanted with regard to customer accounts. I asked him who had authorized the account closure and he declined to identify any individual, saying only " the Loss Prevention Department ''. I then asked him for the name of Ally 's primary regulator, in case I wished to make a complaint. He refused to say and suggested that if I had a complaint I should take it to the XXXX. Finally I asked him whether my wife and I could open a new account to deposit the check being sent by the IRS and he said he would get back to me.
Later on he called me to say that Ally had decided to close the checking account as well. Once again he declined to give a reason, said that Ally did not need a reason. Again I requested the name of the primary regulator and he declined to disclose it. Obviously these account closures have caused and will cause a considerable inconvenience to me and to my business. It is shameful that Ally cose to close my checking account in retaliation for my making a complaint.. In addition, I am very disturbed by Ally 's attempts to prevent their customers from reaching the appropriate regulators. Fortunately, I have worked in the financial services business for more than 30 years and so have the requisite knowledge to find this information without Ally 's assistance, I worry that Ally 's behavior will unfairly impede customers without similar experience and thus prevent them from obtaining the redress so clearly required by Ally 's capricious and unreasonable actions.
|
| 10/07/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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Web |
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For over a year now, I have requested an ATM card to access my money in my savings account with ALLY bank. They claim that I can not have an ATM card unless I have a checking account. I have submitted several applications for a checking account and been denied. The bank gives different reasons which the primary reason is false and I have evidence to support this fact. I was informed in writing that I have something on XXXX. I do not and XXXX has never had a file with me. XXXX sent me a letter verifying this information. ALLY still refused and came up with a credit score as the excuse. However, my credit score has never prevented me from recently getting two major credit cards. It does n't make sense.
I can not access MY OWN MONEY deposited into my savings account. I do n't understand how a financial institution can hold onto my money and give me no accessible card to access my money. I am told I would have to do a transfer wire or have ALLY send me a check -- all of which takes several business days. There 's no way to get emergency cash if I need my money from my savings account.
The issue began with a previous checking account where I was overdrafted {$5.00} in XX/XX/XXXX. I had overdraft protection on my checking account and ALLY took the {$5.00} from my savings account. In retaliation, they closed my checking account afterwards. However, I continued trying to do business with them because of some friendly customer service reps. One gentleman even offered to open a Money Market for me along with keeping my Savings account. I told him this is almost the same as having a Checking account since he said I would have a card. There would be limited withdrawlals and fees for the bank 's advantage, so I refused. I was finally advised to open a second savings. I thought after a while, I could apply again for a checking account. This requests has been and still is denied. I requested my last application for checking on XX/XX/XXXX. After receiving a message with a reference number, I knew the company 's behavior would be the same. I immediately made a final decision to stick to closing out everything with them. I can not and will not do business with a bank who does n't even have the decency to know a customer should have the right to an ATM card if they have a Savings account with their bank.
I would like CFPB to know that the last attempt to report this complaint went unresolved as late as XX/XX/XXXX. ALLY 's executive office responded with a pathetic computer generated email as follows : Thank you for taking the time to let us know of your concerns. We have received your complaint from the Consumer Financial Protection Bureau and will investigate your concerns. We will be responding in writing.
If you have any further questions or need assistance in the future, please feel free to contact the XXXX XXXX XXXX, XXXX, Monday through Friday, XXXX XXXX to XXXX XXXX Eastern Time and Saturday, XXXX XXXX to XXXX XXXX. Eastern Time.
Sincerely, XXXX XXXX Executive Resolution Specialist | Deposit Operations XXXX XXXX XXXX XXXX MC : 1XXXX XXXX XXXX XXXX, PA XXXX T + XXXX | F + XXXX | XXXX ALLY did not ever provide me an ATM card. I do not advise online banking with banks like this because it 's impossible to get access to your money when needed with this type of business practice and low business ethic.
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| 07/05/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Credit denial
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Web |
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Application number:XXXX
I hereby inform you that I do not agree with your decision to refuse to extend my credit, I also inform you that this decision violates the Truth In Lending Act. and The Fair Credit Act, Regulation z. I am the consumer, 15 USC 6809 ( 9 ). 15 USC 1692a ( 3 ). 12 CFR 1026.2 ( 11 ). I am the natural person. One of the services of a financial institution is to extend consumer credit and communicate that they could not complete the credit transaction on my behalf because an XXXX agency, XXXX, alleged credit reporting agencies that do not have any legal authorization to use alleged information without my consent, this is in full violation of 15 USC 1692b ( 1 ) ( 2 ) ( 3 ). They smear my name with their system that is not contained in any of the federal fair credit laws. The Score is not a federal law and much less should be taken into account when making a credit extension since this is only an invention of the banks to control consumer credit. this is neither contained in the Truth in lending Act, Fair Credit reporting Act. I totally repudiate this deduction from Ally Bank as their decision is not supported by any federal law, any federal code. It is not contained in the fair credit law, nor the Equal credit opportunity Act. Add that I complete a credit application, do not apply to create a loan and less fill out a loan application, complete a credit application to make an Extension Credit to my name 15 USC 1602 ( I ). And according to 15 USC 1602 ( h ) I did not give authorization for any agency, non-federal, without authority to decide for me, to issue a defamation judgment against my name and this would result in the refusal to complete the Credit Extension. That is a misrepresentation. The Score and the credit score is not a federal law and it is not sustainable to deny a Credit Extension, the score is an invention that banks adopted to confuse the consumer with what really is credit. 15 USC 1602 ( f ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. I do not recognize what you call a credit report, much less a credit score. Both are just a camouflage so as not to show what credit really is.
Consumer ( 11 ) Consumer means a cardholder or natural person to whom consumer credit is offered or extended. However, for purposes of rescission under 1026.15 and 1026.23, the term also includes a natural person in whose principal dwelling a security interest is or will be retained or acquired, if that person 's ownership interest in the dwelling is or will be subject to the security interest.
( 11 ) Consumer means a cardholder or natural person to whom consumer credit is offered or extended. However, for purposes of rescission under 1026.15 and 1026.23, the term also includes a natural person in whose principal dwelling a security interest is or will be retained or acquired, if that person 's ownership interest in the dwelling is or will be subject to the security interest. For purposes of 1026.20 ( c ) through ( e ), 1026.36 ( c ), 1026.39, and 1026.41, the term includes a confirmed successor in interest.
( 12 ) Consumer credit means credit offered or extended to a consumer primarily for personal, family, or household purposes.
Nothing prevented them from completing the transaction.
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| 03/31/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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My mortgage provider failed to pay an insurance account for which they were responsible. As a result of their failure to pay the account and their decision to snail mail me all notifications in relation to this account, my policy lapsed and could not be renewed for the full year. Thus, I did not have coverage and was charged by the mortgage provider for gap homeowners insurance at a monthly rate of approximately 5 times the market rate. My mortgage provider claimed erroneously that I was responsible for the insurance payment ( they are clearly the 1st mortgagee on the paperwork ) and claimed they were holding my escrow to pay my flood insurance, which I am responsible for and renewed in a timely fashion.
The timeline of events is as follows : Early XX/XX/XXXX : I begin getting reminders from my flood insurance and homeowners policy providers that my policies are up for renewal and that I need to pay them. Assuming the bank is aware that they are responsible for my homeowners insurance, I pay the flood insurance. My bank, without notifying me, rejects my homeowners insurance providers request for payment, cancelling the policy while in possession of my escrow money.
Late XX/XX/XXXX : I begin receiving requests for proof of insurance from my mortgage provider ( via snail mail ). Assuming that this is an issue with the flood policy, as they should be the primary contact and responsible party on my homeowners policy, I call the bank and my insurance broker and arrange for the appropriate documentation to be submitted. The bank acknowledges the receipt of these documents and tells me the matter is closed.
Mid-Late XX/XX/XXXX : I receive notice that there are further issues with my insurance coverage from my bank. I am puzzled and assume that this was sent via snail mail prior to my call until I receive another notice later in the month. I call the bank assuming this is a mistake ; the bank informs me that they have canceled the policy and maintain that they are not responsible for the homeowners insurance but rather the flood insurance ( a payment I had made and documented with them already XXXX. I renew the insurance myself out of my own money. The insurance company informs me that they can not cover the original time period as the window to do so has lapsed, so they will only cover the policy on a go forward basis. I was not aware this would cause further issues at the time. I then request the bank return my escrow balance, which they do by the middle of XXXX.
XX/XX/XXXX : The bank informs me that they have charged me for the gap insurance for the month where I was not covered due to their incompetence. The premium for the month is exorbitant -- {$1100.00} or approximately 5x the original monthly rate of {$230.00}. I contest this charge with them and request that someone from their executive team calls me. I receive no communication from them.
XX/XX/XXXX : My insurance provider cancels my policy again for lack of payment as the renewal payment I made in XXXX was lower than it should have been due to an issue with the application my insurance broker submitted. My bank refuses to pay my insurance providers, so I am forced to again pay for the insurance and renew the policy. This time no gap coverage is needed. I change myself to the primary mortgagee on my homeowners insurance policy.
|
| 07/02/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with the interest rate
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Web |
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Purchased the vehicle on XXXX XXXX, XXXX from XXXX XXXX in XXXX FL. with Ally Bank, formally XXXX loan company with a TIL disclosure of on a Simple Finance Charge Installment agreement of 13.64 % with a 72 month term for XXXX a month.
On or before XX/XX/XXXX I received a notice from ALLY Bank in the mail that they were not able to finance my vehicle for the terms and conditions made but not to worry, the payments were to be the same and if I had any questions to contact the dealership.
At the end of XXXX the dealership called me and I went to pick up my tag and showed them the letter. They said nothing had changed and that they calculated my interest on a daily basis based on when I made my payment. Just like all loans they do with Ally. They never told me that my simple interest charge turned into a " FLEX FINANCE 1 interest charge and I would be charged interest differently and my Finance Charge on the FTILD area would be much more if paid in full by the due date.
I found this out when I made my XXXX payment after logging into my back office with ALLY. I called them and after speaking to a finance supervisor of ALLY I DID NOT have a SIMPLE INTEREST loan ( fixed rate ) as disclosed on the TRUTH IN LENDING DISLOSURES portion of the RETAIL INSTALLMENT SALE CONTRACT.
This is predatory loan and sales practices and both ALLY BANK and the Dealerships who use this loan installment agreement to bring down the guards of the consumer with a simple interest charge at the top of the page. They both should have been more transparent in disclosing changes to my agreed upon contract immediately after being informed and given the option to refinance or turn back in the car. I started watching my interest payments from XXXX forward.
I called the Finance Manager of the Dealership of XXXX XXXX on XX/XX/XXXX and he was surprised of what I was told and wanted 3 days to discuss this with the bank and the owner and get back with me. He made the comment that he is selling these loans to not only his customers but his friends and family. I did not hear from him and called today to discuss this with XXXX XXXX XXXX. She said if I was not happy with Ally to come in and they would find another bank and help me get refinanced. This transaction would have never happened at all had I been told this to begin with.
Today I called the finance company and asked them to send me the letter they sent me in late XXXX early XXXX ; as I can not find it now. I also spoke to a representative that told me that my interest payment is a FLEX FIANCE 1 and not SIMPLE INTEREST and is based on when I make my payments. I asked them to also send me a reconciliation of my loan based on the fact that if I do not pay it off early and go with the 6 year payment history to see how much interest I would be charged. I actually made two calls and got two different answers. One said I would only pay XXXX and the other said I would pay over the course of the loan. The other representative of ALLY told me as long as I had a balance, they had the right to charge me the yearly rate of 13.64 %. I would have NEVER bought this vehicle for this type of loan.
That is not acceptable practices to begin and I feel that they are predatory and I want both of these companies exposed to the public and fined for their business practices.
|
| 03/25/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
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Web |
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We have an auto loan with Ally Financial. We called them at XXXX, on XXXX XXXX to request a 2 month extension. The representative on the phone gathered information and processed the request, letting is know we had a small payment of XXXX due on XXXX XXXX and no payment due on XXXX XXXX and a final small payment due on XXXX XXXX if XXXX.
After that our payments would return back to normal for XXXX XXXX. They advised us we would receive paperwork in the mail. On XXXX XXXX I called them back because we have n't received paperwork yet and they also had on their website a payment still due even though we made a payment based on information above from our call on XXXX XXXX. The representative advised that the original request was not completed on XXXX XXXX and apologized and advised they will complete it again and since we already made our payment for XXXX XXXX out next payment was n't due until XXXX XXXX of XXXX. We said ok and awaited paperwork again. We did not receive any paperwork againI received a number of calls from a collection agency and I returned their call on XXXX XXXX at XXXX and requested a supervisor and was transferred to XXXX XXXX at ext XXXX, to find out that neither of these above extension requests were ever processed. I was advised AGAIN that they would complete the extension and apologized for the mistake. I was told on XXXX XXXX by XXXX that the customer service department did have noted on the account where they were supposed to complete the extension but never did. She apologized again and handled the extension.
At this point we have 2 months being reported as delinquent on my and my wife 's credit for XXXX different credit agencies. XXXX apologized but said there was nothing she can do to rectify that and I would have to do this on my own.
I called back today XXXX XXXX to find out what Ally would do to rectify them reporting in accurate information on my credit and was advised that I need to take it up with the agencies again. I advised them, this was not my fault why should I have to do the leg work. I asked the representative today about the notes in their system snd she was able to read each note that was written by XXXX ally financial reps during above dates and I requested copies of these notes and was told I need a subpeana to get them. She Advised it was in their system but they could not provide it to me.
I 'm being penalized on my credit by ALLY FINANCIALS NEGLAGENCE! Please help me get this resolved. I do n't have any documentation since they will not provide it to me but they have advised their notes are in their system for internal use and will still be there for others to pull up.
My credit took a huge drop because of the delinquency being reported and I would like the delinquencies removed off ASAP.
If you need any other information I am available to speakThis was no way in any shape or form our mistake.
ResolutionI would like the delinquency removed off all XXXX credit agencies ASAP and I would like a letter explaining their mistake and in the letter explaining what they are doing to resolve the situation. I am being penalized trying to get any credit due to their NEGLAGENCE and I was this resolved as soon as possible since they have their notes in their system showing when I called and when this was supposed to be resolved.
|
| 09/11/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
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Web |
|
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On XX/XX/XXXX I received a called from my mortgage broker telling that a charged off had just appeared on my credit bureau. This was a shock because I have been planning to buy house for the last 3 weeks and he had been checking my credit score to monitor any issues. In fact we were ready to apply for final funding approval when this came up, he told it was for a car loan with Ally bank. I said that was n't impossible because I have a car loan with them now that is current. in fact it 's a lease and they have not said a word about anything being behind. He told me it looks like a old car loan, not my current loan witch I got XX/XX/XXXX. I told him that my old car was totaled and a condition of the new loan was that the old loan was to be paid off plus I had gap coverage on the old loan. So I thought it was just a simple mistake. I called Ally at XXXX CST. I got their greeting message telling me their hours, and that they would be open for another 2 hours. I made the selection to send me to the correct department so that I could talk to a rep, and I was disconnected after the phone rang. So I called back again with the same results. I call again but this time I went to non-charge off department that has my current loan. The rep told she could not help me she would have to transfer me to the charge off department, and she would warm transfer me to them. She was also hung-up on. I ask to speak to the executive complaint department. She said they did n't have one, that each department had to handle their own complaints, and what I should do is call back tomorrow. I ask to her to please note my account has to why I called and what happen with the call, she agreed she would.
On Saturday I called back at XXXX the message told me their hours which was XXXX on Saturdays. I selected the correct selection to speak to rep. I received a message telling me they were closed. I tried again and got the same message. I called on Tuesday after the holiday on Monday, and after I explained to the rep what had happen and that I wanted to pay the amount in full but I needed taken of my credit because I was not notify that the was a deficiency balance on the account, she said would not fix the bureau.
I ask to speak to her boss who told me it would be against CFBP rules to remove charge off and I was my fault for not know that there was a balance. I said how I would know if a condition of my new loan was that the old was paid off. I told I have getting statements on my new loan but not on my old loan. He said they were mailed and its not his fault I did n't get them. I told what happen on Friday when I called, he said they closed early for the holiday. Then I ask to speak to the executive complaint department, he said he would warm transfer me. I was hold for a little than he came back and said no one is available to speak to me, that they were busy. I ask for the phone so I could them later he said they do n't have a phone number that they only take warm transfers.
I think this is not fair that I was not notified there was a balance that was going to changed off and when I found out what happen I agreed to pay the full amount only days after the changed it but they refused to work with me and I keep getting different answerers from different XXXX Reps.
Can you help me?
Thank you.
XXXX
|
| 12/09/2022 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
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I attempted to open a {$10000.00} CD with Ally Bank by transferring funds from my checking account at XXXX XXXX XXXX XXXX ( XXXX ). Due to a double-funding problem ( XXXX {$10000.00} ACH transfers occurred ), I requested that XXXX return ONE of the {$10000.00} ACH transactions, which they did. At that point, Ally had my other {$10000.00}. Ally then brought my CD account to {$0.00}. They claim that BOTH {$10000.00} ACH transactions were returned to XXXX. However, XXXX has done extensive research on this matter, and they contend only one ACH transaction was returned. Below is an overview provided to Ally Bank from XXXX explaining their efforts ( my name is being redacted ). Ally has yet to provide the tracing number on what they allege was the second ACH return. I have made numerous phone and email attempts over the past 6 plus weeks to resolve this to no avail. At this point, I have been without my original {$10000.00} for over six weeks.
EMAIL FROM XXXX .....
XXXX XXXX XXXX XXXX received XXXX debits to REDACTED account on XX/XX/2022, in the amount of {$10000.00}. On XX/XX/2022, XXXX of the debits was returned XXXX to Ally Bank. Your email stated that Ally Bank was notified by the debiting institution the transfers were rejected due to insufficient funds. On XX/XX/XXXX, the funds were returned back to your XXXX XXXX XXXX XXXX. Only ONE debit was returned as NSF by XXXX XXXX XXXX XXXX.
On XX/XX/2022, XXXX XXXX XXXX XXXX received a FAX from XXXX XXXX at XXXX, Allys Third-Party Service Provider, requesting the return of the ACH transaction XXXX ( description TRANSFER ). After several attempts calling with no answer, I emailed XXXX XXXX at XXXX that the ACH transaction had been return XXXX on XX/XX/2022.
To date since XX/XX/XXXX, REDACTED 's account at XXXX XXXX XXXX XXXX has had the XXXX debits as explained above and XXXX credit from XXXX XXXX XXXX XXXX when the extra debit was returned by XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX does not use a Third-Party Service Provider. We send and receive our ACH files directly through the XXXX XXXX XXXX. I have spoken to the XXXX XXXX XXXX we have not received the second credit transfer from Ally Bank. You stated in your email the ACH transfer was rejected for Non-Transactional Account. While the funds were debited from your external account, the credit transfer was not completed. The credit should be coming from Ally. I explained this when I spoke to the XXXX XXXX XXXX and that Ally Bank is recommending us to file a dispute for an incomplete transfer. The XXXX XXXX does not see how this can be done if XXXX XXXX XXXX XXXX has not received the credit and we have no incomplete or rejected files.
No letter of instructions has been received by XXXX XXXX XXXX XXXX from Ally in an attempt to rectify the issue. We have received a FAX from XXXX requesting a return XXXX for an ACH transaction with a description of TRANSFER and the Trace number is for the ACCT FUND transaction.
I have provided REDACTED with copies of the FAX received and FED reports showing the accepted received and returned items with trace numbers.
I am requesting on REDACTEDs behalf, trace numbers from Ally or Fiserv ( Allys Third-Party Service Provider ) of the credit ( rejected ) ACH transaction sent back to XXXX XXXX XXXX XXXX through the XXXX XXXX
|
| 10/14/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
In XXXX, I leased a XXXX XXXX XXXX from Ally Financial. In XXXX XXXX, Ally Financial drafted a bill to me for the personal property taxes they paid to Missouri for the leased vehicle. I received the bill in XXXX XXXX. I contacted Ally on XXXX XXXX, XXXX and advised them the taxed amount was incorrect. I also informed them I had attempted to appeal the amount with the assessor 's office, but I did not own the vehicle and had no standing to appeal. I informed Ally they needed to appeal the valuation. They stated someone would be in contact with me. After getting no response, I contacted them again on XXXX XXXX, XXXX. They had not disputed the amount and again told me I had to do it. I again advised I was not allowed to because I was not the owner. On XXXX XXXX, I contacted them and was promised a return call from one of their tax specialist within 48. I called back on XXXX XXXX. I was forced to file another dispute because the previous one was not filed. Over the next few months, I exchanged numerous calls with Ally. They informed me they never filed the appeal with Missouri. They said I would be responsible for the total amount. During these repeated calls, I provided Ally with all of the information contained in this email. I offered to provide them with an email including all the statutory information in this complaint. They repeated stated someone from their dispute resolution department would be in contact with me. ( I never received a call from that department ). In XXXX XXXX, I contacted them and advised them the XXXX taxes had also been calculated incorrectly. I again asked them to appeal the valuation. They did not do so. They continued to state I owed the entire amount " because it was already paid by us. '' I lodged another dispute. I turned in the vehicle in XXXX XXXX. In XXXX XXXX, I received the first of many letters stating I still owed them {$710.00}. I called and lodged another dispute. I was informed someone from their internal dispute resolution department ( XXXX (? ) ) would contact me and no collection efforts would occur until after that happened. This department never contacted me. I spoke with them several times in XXXX attempting to resolve the dispute. Each time I was promised a call back. I never was contacted by a dispute specialist. I contacted them on XXXX XXXX, XXXX after I received a letter from Ally indicating they would like to negotiate a settlement. I stated I would gladly pay them {$250.00}, the amount remaining on the corrected tax valuations. They stated they would not accept any amount below the total amount they stated I owed. I asked again for them to lodge a dispute. i was again promised a return call and told the case would not be turned over to collections until they contacted me. In late XXXX XXXX, I began to receive calls from a collections agency ( XXXX XXXX XXXX XXXX XXXX ) on behalf of Ally. I still have never received a call from Ally 's dispute resolution department. Further information is available which is not transferable through this system. I have the Missouri Statute describing personal property tax assessments, the XXXX values for XXXX & XXXX for the XXXX XXXX, and the tax rates for the city and county of my residence. I am hopeful you can assist me in dealing with this company 's unfair business practices.
|
| 01/02/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
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XXXX XXXX XXXX According to the TILA, before a consumer enters into a vehicle loan contract, their creditor must provide them with a Truth in Lending disclosure that contains specific information about the loan. While the TILA requires for disclosures regarding a loan to be made, the law does not tell creditors whether they are obligated to offer a loan to a borrower or how much interest they should charge ( i.e. the TILA does not contain any regulations that place limitations on charges, fees, etc. ). Rather, the TILA is meant to provide information and transparency to consumers so that they can make informed decisions regarding crediting options. The disclosure requirement of the TILA deters automotive related creditors from luring consumers with appealing financing offers that end up containing hidden fees and costs. Many automobile dealers and creditors violate the TILA by hiding or disguising charges that should have been clearly written out in the disclosure.
The law standardizes the way that these disclosures are presented creditors are required to use the same terminology and expression of rates in all of their notices. The Truth in Lending disclosure must provide a consumer with information regarding important terms of credit. For example, auto dealers and creditors must include the following information in their disclosures : The annual percentage rate ( or APR ), which is the rate of interest that a consumer will be charged for the loan over the course of a year ; and The finance charge, which is the consumers cost of borrowing the loan and is comprised of the total amount of interest and any fees that may be charged ; and The amount financed, which is the amount of credit that the consumer is borrowing ; and The total cost of the loan, which is the sum of all the payments that a consumer will have made over the lifetime of the loan and is comprised of both the repayment of the principal amount and the finance charges ; and The total number of payments ; and The amount of each monthly payment ; and The penalty amount for any late fees or charges.
The information in the disclosure must be presented in a clear and conspicuous way. The creditor must give the consumer the disclosure notice before the consumer takes on the obligation of purchasing the vehicle on credit ( i.e. before the consumer signs the loan contract ). It is possible that the loan contract or the retail installment sales contract will contain the necessary TILA disclosures. If this is the case, the creditor will be in compliance with TILA as long as they give a copy of the contract to the consumer for reviewing purposes. If a consumer does not choose to purchase a vehicle on credit, the creditor is not required to provide a TILA disclosure. By receiving TILA disclosures from auto creditors, consumers are afforded the ability to compare the terms of different loans from different creditors. This way, consumers are able to pursue the loan that best fits their needs.
If an automobile related creditor violates the regulations of the TILA, the injured consumer has the right to take legal action against the creditor. Under the TILA, consumers are provided with a private right of action and they can bring either an individual or a class action lawsuit against an offending creditor.
|
| 11/08/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- High-pressure sales tactics
|
|
Web |
|
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Dear Ally Ms. XXXX, Your letter on XX/XX/XXXXXXXX stated ; " although we regret any any misunderstanding that occurred, our position remain unchanged '' On XXXX XXXX, XXXX, you stated in your letter that " Ally bank is willing to work with you to explore your eligibility of for a contract changes '' Ms. XXXX you said Ally is willing to work with me for contract changes. I tried to call and send a letter requesting and asking for a contract changes. Now you said your position remain unchanged. Are you now saying you will not make changes to the contract?
Ms. XXXX can you explain to me why Ally bank and XXXX XXXX choose the lower credit score for the loan? It will help explain if you can explain the process, or regulation that you use to determine the lower credit score, APR and the finance charge etx. This is going back and forth, I do not understand why you choose the lower credit score. Explaining to me the process and the regulation that you use to determine the lower score, the APR and finance charge will greatly help me.
As far as the the sale contract is concern. Yes I sign the sale contract but I did contested the contract the same day. And to be clear I did not sign the contract with the guy who approved the loan. The guy who approved the loan only explain to me the monthly payment and that I have been approved for the loan, and asked me how much I have for the down payment. I sign the contract with a lady in the third floor in the building of the dealership. During the signing of the contract the lady was not very detailed to be precise. After signing the contract, they asked me to go sit down in the first floor lobby while I wait for the car. They were preparing the car. As I sat in the lobby waiting the car, I read the contract in detail. I left the lobby came back to the second floor and contested the contract. They said it was a done deal I already sign the contract. They asked me to contact Ally Bank. I called Ally bank, Ally bank said as long as I have not made any payment, they have have no business with that. Let me go back to the dealer. I went back to the dealer and return the car. I have copy of the email I sent them to proof that. They called me repeatedly and asked me to come in. When I came in to the dealership, the manager came and spoke to me, he said let me take the car and find a bank to buy me out. When I do find a buyer they will applied the payment I have made to the principal. That why I took the car. Now when I went there after your first letter in XX/XX/XXXX, they said I should negotiate with you, they have no hand there any more. You said I should contact the manager of the dealership. You keep sending me back and forth.
In summary, I contested the contract from day one, I called Ally bank, I returned the car and have been contesting the contract ever since. You keep sending me back and forth. You said you are willing to work with me to make changes to the contract and next you said you position remain unchanged. But explain the process or regulation or rule you use to determine the lower credit score.
As far as the payment is concern, I am not getting any hours due to CONVID -19. So I have very limited income at this point. I have received threaten letters that you will reposes the car any time from now.
|
| 10/18/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
|
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Web |
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My account was transfer to Ally per the Ollo merger. My line of credit was increased to {$3000.00}. On XXXX XXXX my line was decreased by {$1900.00} with out any notice or messages on my online portal. I called in on XX/XX/2023 at XXXX and spoke to a customer service representative XXXX who kindly transferred me to a supervisor named XXXX. I explained my concerns with XXXX and she quickly stated that I had to wait for the letter in the mail. I advised XXXX that was unacceptable as I have never missed a payment or had any issues with Ally or anyone and I am in the middle of purchasing a home and this is affecting my credit. XXXX rudely continued to tell me that I had to wait for the letter as the employees are not privy to that information. I asked for a manager, and she stated there is no manager. I asked for info to corporate and she continued to tell me that that information was on the letter or online. Again, I asked for someone above her. She stated she they will tell me the same thing. I stated that was fine I still wanted to be transferred. XXXX placed me on hold for a minute then came back to the line and stated that she is still looking for someone and hung up the phone on me. She never called me back.
I called back and spoke to a customer service representative named XXXX a male who kindly transferred me to Supervisor XXXX. XXXX placed me on hold advised she was reviewing my account. After placing me on hold for a few minutes XXXX came back on the phone only to tell me that the information is personal and she was not privy to the information only that the line was decreased on XX/XX/2023, and it is based on many factors. I advised that if she looks at my account, I have never missed a payment or had any issues. So, this again is unacceptable. XXXX advised I needed to wait for the letter. I asked XXXX for information to corporate as I wanted to write a complaint. XXXX continued to place me on hold as she did not have this information readily available for their customers. XXXX minutes into my call XXXX then transferred me to XXXX yet another supervisor that stated the call is being monitored and recorded for quality assurance. XXXX then went around in circles telling me the same thing everyone else stated that there is no corporate information. There is only a correspondence address where all the information gets sent then it will be routed to the correct department and a response will be given. I advised XXXX that I was purchasing a home and if she looks at my account, I have never missed a payment and never had any issues with Ally or Ollo before the merger. XXXX careless of my concerns and repeated that, thats the only information she could provide me is to wait on the letter. I explained to XXXX that I will be not only writing a complaint letter but filling a complaint with the XXXX, CFPB, and the attorney general office. This is unacceptable and want an investigation completed on why this is taking place when Ally just recently increased my line.
This is affecting the interest rate to the purchase of my home. I am completely disgusted that this is the interaction between your institution and myself as a card hold member. Please advise as to your next steps to me getting some clarification and getting the account corrected.
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| 06/25/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I used the automated option to pay my auto payment.I received a confirmation number only to receive an email from Ally that funds were returned. Ally never pulled the funds from my personal checking account listed for payments. I contacted customer service and requested my automated payment option be deactivated. I was charged late fees and third party fees to keep my account in good standing. The following month I used the one time payment option and received a confirmation number. I received another email stating the funds had been returned. I contacted customer service and they said they would resolve the issue. Again late fees and third party charges. The next month the same exact issues arose only difference is that my personal checking account listed for payments was labeled unavailable. I called and spoke with another representative. They said they would transfer to IT. 2 hours on hold I had to disconnect the call. Called back a different representative took my payment over the phone, The following month I received a call from my Father who is the cosigner on my loan that he was taking a hit to his credit score because Ally was reporting all my payments late which also effected my credit score. I reached out to customer service and was met with no resolutions and more transfers to other representatives. I reached out to my Father and we decided that I would transfer funds for my auto payment into his checking account and he would make the payment. My Father was met with the same exact issues. Payment confirmation given only to receive and email that funds were returned. Again Ally never pulled the payment at anytime. His personal checking was labeled unavailable. More late fees and third party charges were accumulated. My father added another checking account and a payment went through. I spoke with another representative and they assured me that my checking account would be made available and all issues would be resolved. The following month I tried making a payment early and it stated my personal checking was still unavailable. Contacted customer service again. I was transferred over and over again.No issues were resolved. I filed a XXXX complaint and only then was I contacted by an executive customer service representative. I went into great detail of every problem myself and my father were experiencing. The representative assured me that the issues would be resolved and that she was viewing my account in real time. She stated that everything was fixed and that I should have no problems making a payment. XX/XX/2020 at XXXX I logged on to the Ally auto site to make a payment. The payments is listed higher than the monthly payment. Their breakdown shows an {$8.00} late charge! They are charging me a late fee when the due date is today! There were two payments made in XXXX and one of those payments had late fees attached again! My father and I have talked to numerous representatives to resolve these issues. We both have tried making payments early. I have yet to receive a phone call back for the representative I left a voicemail for. Theses issues started in XX/XX/2020! I don't know when I'll receive a call back but I can guarantee I'm going to be charged late fee 's and third party fees because Ally has yet to fix their problems.
|
| 08/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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XXXX Update : company claimed that they would submit my case for a one time " good will '' removal from my credit report due to 100 % payment history prior to the incident. I'm submitting this complaint as extra insurance that they actually review my account and approved the good will removal.
Hi!
I'm having major issues right now. I called this Thursday and was met by a very rude customer support specialist that said a supervisor would call me either that day or the following day on Friday which never happened.
This is about a " deliquent '' and " missing payment '' now reporting on both my XXXX and XXXX credit reports.
I will be disputing this until it is resolved : For 1 : there is no missing payment on my account. The amount of payments I have made are congruent with the amount of monthly payments I made.
2 : if you review the phone conversation I made to the XXXX department in early XXXX you will find that you guys cut my payment almost in half due to XXXX interest charges being paid back to me. After trying days on end to change my autopay amount to the correct amount of {$180.00} I was unsuccessful. So I called customer service and they gentleman on the other end let me know it was a system error and that he also couldn't take my payment over the phone for the correct amount of {$180.00}. He informed me that the only way to pay the correct amount would be to cancel my auto pay for that month and pay the {$180.00} manually. I told him I was hesitant to do this since being on XXXX and out in the field we rarely have open access to the internet, cell phones and computers, and let alone the peace of mind to worry about payments back home when in dangerous environments.
I even asked him if there was a way they could turn the auto-pay back on for me in the event I wouldn't be able to and he told me no. So regretfully I took his advice and turned off autopay to save around {$170.00} that month. And as a result of being on a high tempo XXXX was not able to manually pay my XXXX payment. However as soon as I was back in an environment to handle it I paid 2 payments in XXXX, which XXXX payment was for the payment missed in XXXX.
My point of the story is that I've always had 100 % on time payments made in my credit history and now it's reporting 99 % because of one payment that was late DUE TO A SYSTEM AND COMPUTER ERROR ON THE END OF ALLY AUTO THAT IS DOCUMENTED ON A RECORDED PHONE CONVERSATION WITH YOUR REPRESENTATIVE.
If you look at my entire account history you'll see that I've basically always had autopay set up with you guys, and the only time it was turned off was in reference to the phone conversation that you should have on record back on XX/XX/2021 with CSR personnel named XXXX. This verifies that there was an error with your payment system. Had that error not existed autopay would never have NEEDED TO BE TURNED OFF FOR ME TO PAY THE CORRECT AMOUNT.
Not to mention the representative on the phone couldn't even take the correct payment.
And due to me being on XXXX and not having the luxury to have internet access at anytime or phone service to call and handle this, I'm now being punished?
What is the point of even having an XXXX department if you're not gon na take care of soldiers that are serving your county?
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| 03/12/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I was attempting to refinance my car with the bank I have my personal loan through. When I spoke to the person about refinancing he stated that my current loan looked funny, that its weird that after two years of me being XXXX a month I have only paid down XXXX off my loan. I called them on XX/XX/XXXX for a payment breakdown and they said they'd give it to me but I never received it. When I emailed them again I received this response : From Ally Auto XX/XX/XXXX Hello, The following is the information you requested regarding your account with Ally Financial.
Per the terms of your daily finance charge contract, Ally Financial earns a finance charge on a daily basis. Each days finance charge is based on the annual percentage rate on your contract and the unpaid balance of the amount financed that is outstanding on that day. The formula for computing the amount of finance charge that we will assess to your account is : the Annual Percentage Rate divided by 365 ( or 366 for a leap year ), multiplied by the actual number of days from ( including ) the last posting date to ( not including ) the current posting date, multiplied by the current outstanding balance of the amount financed.
You can control the total amount of finance charge you pay during the life of a daily finance charge contract. You can do this because each day has significance in the assessment of the finance charge. If you pay a payment early ( before the due date ), a lesser amount of finance charge is assessed. Conversely, if you pay a payment late ( after the due date ), a greater amount of finance charge is assessed.
Sincerely, Ally Bank If you submitted more than one request, you may receive additional responses in a separate message.
So I responded and said : So basically you're saying I need to report my account to the ftc? Because ya 'll have taken 80 % of my payments and only applied 20 % to my loan amount.
They responded with : From Ally Auto XX/XX/XXXX Hello, We received your request for account information. Due to the nature of this request, we need to speak with you by phone.
Please call us at XXXX ( XXXX ), Monday - Friday, XXXX XXXX - XXXX XXXX ET and Saturday XXXX XXXX - XXXX XXXX ET. Closed Sunday.
Sincerely, Ally Bank If you submitted more than one request, you may receive additional responses in a separate message.
I then called them, I was told I could not get a payment breakdown, I was told that all my payments have been late therefore going to my interest. I explained to them that collections department stated I have from the XXXX to make a payment monthly, I only get paid twice a month and the first check goes to rent the second goes to my car payment. Collections stated its not late if I pay on the XXXX ( which I do through debit payment so it comes out my acct and hits my account on the XXXX to avoid returned payments ). I asked why my last three on time payments none of the money was applied to my car loan amount she stated because they were late which they were not. I asked to speak to a supervisor was transferred with no answer and no return call. I then emailed them again asking for a payment breakdown. They did provide one to me as of today.
I was denied the option to refinance due to the high amount of the balance of my loan.
|
| 10/10/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
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Web |
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In XX/XX/XXXX I applied at a dealer called XXXX XXXX they advised me they use one bank only that will accept my loan with my credit score which was to be XXXX only, upon allowing them to pull my credit and submit it with my pay stubs and try to get me approved they submitted it to over 20 different finance companies of which I have noticed that their names are the names used twice on each time they tried to send it in I have Ally twice XXXX, XXXX XXXX, XXXX 3 times on their showing and many many more bank or finance companies but they have hit my credit bad multiple times, and all 3 credit bureaus as well are responsible they should know something is wrong why would there be a reported name or agency for financing multiple times on there as well as I have already signed up for the fraud alert they FAILED to monitor my credit correctly and should if noticed it being more times than one stopped any and all credit inquiries and notified me that there was suspicious activity I blame all 3 credit bureaus as well as the banks to receive multiple applications being submitted for a auto loan, they had no permission to do so after I called the salesman I advised him that he 's got me with to many hard inquiries and he would be pulling my credit once only upon knowing I received not able to approve due to interrrogatories shown below " Hard Credit Inquiries '' I told him he committed fraud on my credit Check and was responsible to get them deleted even though I was approved cause he knew he was wrong he killed the auto deal on me as well as the hard inquiries are still showing from XX/XX/XXXX to present. I contacted every bank on my credit report by phone and by mail nobody has yet responded to me I only applied for 1 finance salesman just kept on submitting to other finance companies I have made a dispute and complaint various times this is going to be my 4th time disputing them and each time waiting the 45 days for them to investigate and follow up with me NOTHING from all 3 credit bureaus was done nor did I receive any type of communication from the dealer, the finance companies I sent everything over with a copy of the complaint to all 3 credit bureaus nothing as of XX/XX/XXXX! Upon 4 requests did I hear back from anyone of them so all 3 bureaus as well are allowing this to ruin MY credit even more not delete it off is a resin my score is low I deserve the situation to be investigated and all documents pertaining to this I need to see where the dealer has permission from me signed that they can By my permission not if their own will to finance and make commissions submit it to multiple banks to cause harm to my credit by applying hard inquires I was only trying to finance to pay the car and make my credit repairs on my own by taking a loan and paying it instead they were in the wrong killed the deal after I raised XXXX to them and still have n't answered not to me or to the finance companies cause they ca n't they defrauded me and my credit is ruined and I need this to be RUSHED please as I said that this is 4 times I have submitted the disputes with every info of all banks on their from XX/XX/XXXX, all other ones are hard inquires as well after that between XX/XX/XXXX and XX/XX/XXXX anything for XX/XX/XXXX needed to be removed immediatley
|
| 06/19/2018 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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In XX/XX/XXXX, I purchased a vehicle from a XXXX dealer in XXXX Pa. I was given Ally bank as the car loan financer. In XX/XX/XXXX I voluntarily had the car repo 'd because the car was unsafe, and I also found that I was paying a large amount on the car loan in finance charges although at the time of approval my credit was not below average in fact I was able to obtain another vehicle at a lesser cost from another dealer at the time which attest to my credit worthiness. I was up to date on all payments and even sought to refinance the cars loan balance of about {$38000.00}. with the company to which they came back with a new offer of {$700.00} plus dollars a month and an extension of 7 years on the loan. I couldn't quite understand why I was being offered such a gross amount which was no different than my previously monthly payment of about {$850.00} monthly. I returned the car and did not hear back from Ally at all, I did move around a few times however they had my forwarding address on file always, and emergency contact numbers. On or about XX/XX/XXXX, I started seeing a balance of {$8300.00} dollars from Ally bank on my credit report. so from XX/XX/XXXX to XX/XX/XXXX, Ally bank had not contacted me they did not forward me any paperwork about the car being sold at auction, where the auction was held or how much the car sold for, nor had they given me the choice to take on the {$8300.00}, as my own debt and pay the tax on it. I hired a credit repair agency to dispute the debt because I feel that there was some type of shady issues going on with Ally. Upon researching the company further it had come to my knowledge that Ally agreed to a settlement of discrimination during the time period of the time I purchased the vehicle, and they were refunding overcharges in financing that the Federal government had found they were guilty of overcharging XXXX XXXX on interest and splitting the proceeds with car dealers. I feel that I am a victim of this practice, I did not know there was a lawsuit and could not get the administrators of the class action suit on the contact line but I sent them a message to which I have not heard back from them. I feel that because of their breach in Truth In Lending Practices negates me from what they are saying I owe Ally has committed fraud, the fact it took them over a year and a half to contact me on the car so I don't know what the fee 's are, is a violation of my consumer rights and that they should remove this inaccurate information from my report. According to the law : Most states bar creditors from collecting a deficiency balance if they fail to comply with notice requirements ( such as notifying you of the right to cure or of the sale ) or didnt sell the property in a commercially reasonable manner. Ally just wrote me a letter stating I owe money to my address which means they had all information to contact me in writing certified mail of the actions regarding the reselling of the car and my rights as a consumer. Ally bank is a bad institution and I would like to resolve this issue with the discharge of the amount, and the removal of the misinformation on all my reports, and prevent them from providing this debt to debt collectors and ordering all debt collectors to remove this inaccurate information.
|
| 08/12/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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Good Morning, my name is XXXX XXXX and I'm reaching out in regards to XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ) sending in attempts to unrightfully repossess my vehicle from me due to me not having my plates registered. I'd like to inform you that I've made multiple attempts to get this issue resolved but have been unable to do so because XXXX had sold me a Vehicle without them having access to a Clear / Coherent Title.
I have a letter from the XXXX XXXX Clerks Office given to me by XXXX XXXX whom is the ( DEPUTY COUNTY CLERK ) on ( XX/XX/2022 ) expressing that the Vehicle that was sold me was registered NEITHER in XXXX or Ally Financial 's Name but rather " XXXX XXXX XXXX '' and in order for me to obtain such requests " either XXXX or XXXX XXXX would have to get the title in their name before it could be transferred over to me. '' and therefore this would suggest to me that the vehicle had been unlawfully STOLEN from its previous owner, transported from XXXX XXXX, to XXXX, and then sold to a young unsuspecting Out-of-State Resident in XXXX Wyoming. I have reached out to the XXXX in XXXX that had sold me the vehicle and it was explained to me over the phone that they " no longer had my information in their system. '' From one of their representatives XXXX XXXX. Which drew my concern After which I was instructed to call their main HQ and spoke to XXXX ( last name refused to be disclosed ) from XXXX XXXX XXXX XXXX XXXX on ( XX/XX/2022 ) ( Case # : XXXX ) who after I explained the situation to told me to give them time XXXX for a response which I have not received. Since then, XXXX has submitted a payment to my financing bank Ally Financial WITHOUT MY DISCLOSURE in hopes to obtain the vehicle secretly. I have reason to believe my consumer rights are being violated, after being informed from Ally Financial that they have not been informed why they have made attempts despite all my payments being made in full without missing any.
Ive contacted the Reposession Service whom XXXX has now sent to collect said vehicle from me XXXX XXXX based out in ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Theyve informed me that they can not stop their efforts to attempt to collect my vehicle without the say so of XXXX ; but are unaware of why theyve been sent despite having made payments.
Ive sent a Consumer Report about Fraud to the FTC XXXX Federal Trade Commission ) Case # : XXXX Ive spoken to the Sheriffs Department in XXXXXXXX XXXX
Ive spoken to Ally Financial whom is my Financee for the car. Theyve sent me emails informing me my car is paid in full, theyve sent me an email about the release of my Lien/ Title but after speaking on the phone for one hour theyve informed me my title to the vehicle will be rerouted to XXXX without disclosing it to me. Ive been spoken to aggressively by XXXX in their customer service dept.
Ive Informed the Wyoming Attorney General And Investigator XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint Case # : XXXX Ive spoken to the Colorado Attorney General Ive Informed the Deputy County Clerk XXXX XXXX XXXX Deputy County Clerk ) Ive Contacted XXXX about the status of my AutoLoan which has been ( closed ) and paid in full as of XX/XX/2022 ( 3 days after I contacted XXXX ) WITHOUT MY DISCLOSURE!
|
| 10/14/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
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Web |
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On Saturday, XX/XX/XXXX, my wife, XXXX XXXX, and I visited XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. We went to test drive and potentially buy a XXXX XXXX XXXX XXXX XXXX. We were assisted by XXXX XXXX. After the test drive, we decided to try to move forward with the purchase. We submitted a credit application which was turned down by quite a few lenders initially. Then, XXXX XXXX brought out a paper stating that we had been approved for a loan by Ally Financial at a rate of 12 % with our $ XXXX down payment. We were not verbally explained the amounts on the paperwork and he was trying to get us to quickly sign off on the deal. We studied the paperwork closely and saw that they had included optional items, such as a $ 2600+ warranty, $ 500+ fabric/paint protection, and $ 600+ GAP coverage. I told XXXX that we reject the warranty and fabric/paint coverage, and thats where things got ugly. He pressured us about it and then went in the back office and came out with another guy from finance that told us that our financing would only be approved if we kept those coverages. Refusing to be strong-armed into purchasing optional coverages that would consume my down payment and equity in the vehicle, I declined the coverages. During the conversation, the finance guy made a striking comment. He said, were not trying to do anything illegal here. Why would that need to be made known unless he was doing something that he potentially thought to be illegal? Our application was re-submitted and supposedly rejected by Ally for refusing the optional coverages. This would seem counterintuitive since we would have more equity in the vehicle itself by rejecting these coverages. But, once the cushy relationship between Ally, XXXX, and XXXX are investigated further, it makes perfect sense. Here is an excerpt from an article.
Ally has signed an agreement with XXXX XXXX XXXX to provide vehicle service contracts ( VSCs ) and guaranteed asset protection ( GAP ) coverage for the group 's XXXX dealerships in Colorado and Texas.
Through the agreement, XXXX customers will have the option of adding Ally GAP and Ally Premier Protection service contracts to their purchases.
Ally Premier Protection covers the repair cost for over 7,400 mechanical, electrical and safety components on a vehicle, as well as some related expenses such as trip interruption, rental car coverage, towing and 24/7 roadside assistance.
It appears that Ally and XXXX are working in collusion to force potential buyers into purchasing F & I ( Finance and Insurance ) products as a requirement for approval. This raises the question of legality. Is it legal to make F & I products mandatory for financing approval? I have been told that this is illegal, and it sure does not feel right. Aside from the outrageous interest rate of 12 % initially offered, they also wanted an instant $ 3k+ payday for optional coverages that are mandatory for approval. I feel as though they are wrong, defrauding the public, and involved in deceptive and potentially illegal business practices.
I request an investigation into this cushy relationship and deceptive business practices, and an analysis of the legality of requiring F & I products as a precondition for approval of auto financing.
|
| 12/16/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
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Web |
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On XX/XX/2023, Ally Bank was advertising a {$200.00} bonus for opening a new " Ally Bank Spending Account '' by using a promotional code XXXX ( See attached screenshot of the advertisement [ XXXX ] ).
I used the online form to open a new account. On the form, there was no place to enter a promo code. See attached screenshot of the new account form and note that there is no input field for a promo code. [ XXXX ] ( This screenshot was taken by going to the form again after the fact. The redacted area contains only my personal information. ) I continued with the form, assuming there would be a place to enter the promo code on the next screen. However, there is no next screen ; the account had now been opened. I spent a few minutes in the account interface looking for a place to enter a promo code, and, finding none, started a chat with an Ally Bank customer service associate to ask how to apply the XXXX promo code ( transcript attached [ XXXX ] ; please note that this transcript contains my personal information ).
The associate informed me that the code would automatically apply by clicking on the advertisement. I asked them to verify that it had been applied to the account, since I had needed to log in to my Ally account in between. The associate then said that this offer was for new customers only.
In the terms of the XXXX offer ( see attached [ XXXX ] ), it states that a " New Customer '' is defined as : >New Customer Someone who does not currently have, nor within the last twelve ( XXXX ) months has had, an Ally Bank Spending Account ( s ) [ formerly known as Ally Bank Interest Checking Account ], at any ownership level, whether it be primary owner, XXXX owner, or fiduciary owner. Additionally, customers who received a cash bonus from Ally Bank within the last twelve months for setting up QDD, regardless of account type, are not eligible for this bonus and not considered a New Customer.
I have never had a spending account or checking account with Ally Bank -- only a Savings Account, which is why I needed to log in.
I pointed this out to the associate, who then informed me that they would escalate the case to " Deposit Operations ''. After getting supervisor approval, they gave me a case reference number and said I could expect to hear about next steps in XXXX business days.
The conversation described above took place a few minutes after the account had been opened.
XXXX days later, on XX/XX/2023, I still had not heard back so I started another customer service chat. I gave the case number to the associate, but the associate said they were unable to find that case number and recommended that I call the customer service phone number.
I called customer service on XX/XX/2023. I do not have a transcript of the call, but they informed that the case was still pending and I would hear back when it an approve/reject decision had been made.
It has now been more than XXXX months since the account was opened and I have not heard anything from Ally Bank regarding this matter.
The promo bonus was one of the main reasons I chose to open a new checking account with Ally Bank. Other banks were also offering promotions at that time, but those offers are now expired. I feel that I have been falsely advertised to.
|
| 12/26/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
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Web |
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On XX/XX/XXXX I logged into my online account for Ally Auto to make the final payment on my vehicle loan. I called XXXX which is the customer service number listed on their website. The online payment portal said that due to the status of the account some functions are unavailable. The payment was due on XX/XX/XXXX. I thought there may have been an issue with the site since I had not received any notices about an issue with my loan account from Ally Auto. I waited until the after the holidays since to contact customer service as to give time for the site to be fixed and thinking that no one would be able to assist me due to no one being there. There have been many times I have been late on payments throughout the years, some by over a month and Ally Auto had never disabled my online access before. Thats why I thought it may have been an issue with the website and not the accodunt. On XX/XX/XXXX at XXXX XXXX XXXX I called customer service and was informed that they would not be able to assist me and they had to transfer me an " account specialist ''. After an extended hold I was able to speak with XXXX XXXX She asked if I would like to make a payment today, and if I was paying if off in full. I told her yes, that was why I was calling. I said there would be a {$4.00} fee to make the payment over the phone. I inquired as to why I was unable to make a payment online as I have done for the entire life of the loan. She said it was because I was at the end of my contract / loan term. She stated this several times that the account online was disabled due to being at the end of the contract / loan and the payment was required to be made over the phone or through XXXX XXXX XXXX XXXX. Both of these options would result in a fee. I again asked why I could not pay online as I have done before, XXXX informed me that the account had been put into collections. I asked her if the account had been put into collection status. She never answered the question. After some more back and forth I felt I had no choice but to pay the fee. I felt backed into a corner. I informed her that I would pay the fee but put in a report to the CFPB. After the payment was completed, she told me that I would have contact Customer Service tomorrow at XXXX about getting the title for the vehicle. I asked for the name of her supervisor so it could be included in this report as she said that no supervisors were available, they were all in a meeting or were not there. She said she was not qualified to give me the name of her supervisor. She kept telling me to call customer service back for that information. I told her if she could not give me that information I would hold until a supervisor or XXXX was available to speak with me. During this exchange she placed me on hold multiple times without providing notice of doing so. In the end she provided me the name of her " boss '' XXXX XXXX. She informed me that he would be calling me later today XX/XX/XXXX. The call, in total, lasted XXXX hour and XXXX minutes. Most of that time was from being on hold. She was very vague, unhelpful and left me worried that the truck was going to be sent to be repossessed. I felt I had no choice but to agree to what they wanted or loose my vehicle. The final payment was under {$500.00}
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| 10/06/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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|
Web |
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In re : XXXX : Misreporting XXXX XXXX account balance. Current balance is {$0.00}.
Misreporting XXXX account balance. Current balance is {$0.00}. Misreporting XXXX account balance. Account balance is {$0.00}. Misreporting Ally Financial payment history and indicating 30 days past due. The account has never been past due. The automobile referenced by this loan is a XXXX XXXX XXXX purchased by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Georgia XXXX. Seller presented the automobile as a dealer buy back becasue the engine and transmission were replaced. Dealer presented ( on information and belief ) a fake XXXX Report to induce the sale. Dealer finance manager conspired with an Ally lending manager to obtain financing for a {$33000.00} loan with a @ {$2500.00} deposit at 8.69 % loan rate. FICO at the time was XXXX. Purchaser was later presented a dealer opportunity trade on a current model vehicle with the trade-in offer exceeding the purchase price from XXXX XXXX XXXX XXXX. Upon presenting the vehicle for trade, the VIN was checked and the dealer informed the purchaser " that vehicle can not be taken in on trade '' due to the compromised title. At the time of purchase, XXXX XXXX XXXX XXXX, knew and/or should have known the diminished value of the vehicle was in excess of {$20000.00}. On information and beleif, Ally Financial, in conjunction with XXXX XXXX XXXX XXXX conspired to defraud the purchaser, to the financial benefit of Ally Financial and XXXX XXXX XXXX XXXX. On information and belief, the Georgia Attorney General opened an investigation on the dealership, but should open one on Ally Financial.
XXXX is also reporting incorrect public information in re : XXXX and XXXX XXXX ( XXXX XXXX University ). I graduated from XXXX XXXX University XX/XX/XXXX. XXXX XX/XX/XXXX, I took a new XXXX position in which my XXXX school credentials and transcripts were requested. I made notice to XXXX XXXX University to find my account had been frozen. I called XXXX XXXX University to determine the issue and was at that time, nearly 4 years after graduating, was notified by XXXX XXXX University that there was an outstanding bill due. I inquired as to the basis of the bill and the account manager advised she would have to call me back after researching. After a number of calls back and forth, the University admitted the alleged debt was based upon a class withdrawal. I was able to provide all timely withdrawal forms, but was told they were irrelevant because the University went off the date they withdrawal was processed. I asked why I had not been contacted in the nearly 4 years prior and was told they could not explain that. I advised the University I was not going to be extorted and would file a complaint, however, due to the necessity to have the document for my HR department, I paid the amount. After I paid XXXX XXXX University the amount they stated was due, they still refused to clear my account and issue my transcripts. Again, I called the University and spoke to an account manager who advised me that I would have to call XXXX and XXXX to pay their fee. Again, the University extorted funds from me by holding my transcripts hostage. As a direct result, the negative public information was posted on my credit report.
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| 02/04/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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XXXX My 2020 XXXX XXXX was totaled, which was leased through Ally XXXX Ally sends me a payoff letter of {$47000.00} ( attached ) XXXX XXXX, my insurance company, sends Ally a payoff amount of {$50000.00} XXXX Ally sends me a letter stating I owe {$530.00} ( attached ) On the payoff letter Ally sent me, it explicitly states a Total Other Charges amount of {$750.00}, which is included in the overall payoff amount of {$47000.00}.
On the letter I recd from Ally on XXXX, it lists Personal Property Tax amount of {$750.00} & a Less Other Funds Received amount of {$210.00}, resulting in a balance owed to Ally of {$530.00}.
I do not owe Ally {$530.00} as that amount was already captured in the payoff, as indicated in the payoff letter sent by Ally to me.
Additional background : XXXX I called XXXX to see why Ally sent me a letter stating I owe a balance. They said they show a zero balance and to ignore the letter. If I receive another letter, contact XXXX again.
XXXX emailed Ally and made them aware of above XXXX recd a collection call from Ally and made them aware of the above XXXX emailed Ally again to restate the above XXXX I contacted XXXX and we made a 3-way call to Ally. They said to send an email to XXXX with all documents enclosed. They said I will receive a response in 1 week. If not, to contact them at XXXX.
XXXX I never received a response, so called XXXX, ext. XXXX. The representative XXXX said that the person who has access to the email box, a Supervisor by the name of XXXX, was not available. XXXX said she would call me back today once XXXX became available.
XXXX never received a call back, so filed XXXX complaint against Ally & sent escalation email to XXXX XXXX received a call back from Ally Executive Complaints. XXXX asked that I give her a few days to research and she would call me back.
XXXX I received a call back from XXXX and she said I owed the money. I explained all the above and she asked that I send her an email with the documents and history.
XXXX I received a letter from XXXX that included my lease agreement & explanation of charges. This letter basically reiterated that I owed the money.
XXXX I emailed XXXX again & filed a second XXXX compliant against Ally.
Week of XXXX recd 3 calls from XXXX with Ally Executive Escalations XXXX called XXXX back. She reiterated the money was owed, but I disagreed. I added that this has been a huge inconvenience, the lack of customer support was abhorrible, that I chose to lease my new vehicle through Ally again, and that no one from Ally asked if myself or my XXXX daughter were okay in the car accident that totaled my vehicle. XXXX stated she would submit for the {$530.00} to be waived.
XXXX received a collection letter from XXXX XXXX XXXX sent dispute letter to XXXX & included payoff letter from XXXX & the account settlement letter from XXXX.
XXXX received a letter from XXXX stating they enclosed the information I requested. First of all, I didnt request anything ; secondly, they enclosed the same letter I sent them, which was the account settlement letter from XXXX.
XXXX called XXXX and left VM, but no response XXXX called XXXX and spoke with XXXX XXXX reiterated history of issue & he sent in second dispute XXXX emailed XXXX for third time
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| 08/29/2023 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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Web |
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We recently ( XX/XX/23 ) fell victim to a scam artist resulting in our withdrawals at multiple ATMs to pay toward said scam. This was traumatic, embarrassing and hurt us financially. We reported this to police and Ally, our bank. We followed all steps and procedures advised by Ally, who stated they would investigate. Two weeks later, we noticed our checking account was closed, with no advanced notice. We called Ally, and were told investigators had terminated Allys relationship with us. They closed all accounts without notice, on the last week of the month, immediately before mortgage, credit card, loan payments came due. They did not even give 30 days notice to mitigate the damage that would predictably occur to us. They snail-mailed the checks with the cash from said accounts, thus locking out any rapid access to our only liquid assets when all payments came due, potentially causing long lasting credit damage, financial damage from late credit card payments, missing loan and life insurance payments, not to mention buying food and school supplies as its also the first week of school for our daughters, while scrambling to get funds into another bank, which involved breaking into retirement savings. If Ally flagged us as suspicious with the national bank XXXX, its possible we may have issues opening accounts with national banks in the future. We do assume they flagged us as having suspicious activity. This despite giving them the contacts, names, incident numbers of the police involved in our case. In fact, this was a rare case where one of these officers directly witnessed the scam occurring in real time, in person, and who could corroborate we were the victims of the scam, not the perpetrators. Ally was informed of this on not one, but two separate phone calls with their fraud department. Allys investigators did not bother to speak to the police, or spend more than two weeks looking into this ; they simply summarily closed all our accounts without notice, causing more and longer lasting harm, financial and emotional, than the actual scammer to their previously loyal customers. Apparently this is all legal, and consumers have no recourse other than file a complaint to regulators, which we did. I understand this is not illegal, but it clearly is a terrible way to treat customers you claim to support and value when they are going through a traumatic event. We called a third time, requested they investigate further, that we would willingly submit to a thorough review if our records and finances, but never heard more other then being told all decisions are final. We turn to banks to protect our assets, make sure our funds and readily accessible and stand by their customers. I understand people commit fraud against banks and they need to protect themselves. But this needs to be balanced against supporting customers, and not harming them. In this case, they could have verified our account of events with one or two phone calls and spoken to the officers on the ground at the time. They could have given us reasonable notice prior to closure. Instead, our own bank has harmed us more than the actual criminal that scammed us. Ally is not, in fact, your ally should the worst happen and you fall victim to a scam.
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| 07/24/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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Ally lost rent checks XXXX houseXX/XX/2020 XX/XX/20 Called because deposits were put into my sons account. ( same name and address ) They said to call the next day and get a case ID. The deposit was for XXXX. All sent in the same envelope with deposit slip. Checks for XXXX, XXXX, XXXX were deposited, but 2 checks are missing for a total of XXXX. ( probably XXXX and XXXX ) Money orders They said to talk with someone from exception processing. ( about one hour call ) XX/XX/20 Called again. Refused to give case-ID. Put on hold a number of times. Expect to have check numbers etc. Would not allow me to talk with someone in ( exception processing ) XX/XX/20 Called again. Customer service agent # XXXX ( very helpful ) Case-ID need for it to be 10 business days to fill out a form. Maybe in suspense.
XX/XX/20 Tenant sent me copies of the checks ( tenant ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Money Order post office XXXX XXXX Money Order post office XXXX XXXX ( missing ) been sold but not cashed Money Order Post office XXXX XXXX ( missing ) been sold but not cashed Post office XXXX Case ID # XXXX, XXXX Talked with customer service again, Case IDs created. Emailed a copy of the checks to Ally via the safe message.
XX/XX/20 Checks from XXXX account deposited into mine. Still missing two checks.
Talked with customer service. Wanted me to go to see if those checks were cashed at the post-office? My tenant might have to go to the post-office again.
Case-ID XXXX Can you have the same case worker on it?
Can I speak to your supervisor?
Checked with the Post Office and the Money Order has been sold but not cashed.
XX/XX/XXXX Called again, checking with back office on the deposit. Speaking with XXXX at research and development. They want me to have the checks placed on a stop payment. Then re-issue the checks.
Now talking with a supervisor. XXXX is the name of the supervisor.
Can not do a stop payment on a money order.
Takes 30 to 60 days to investigate the loss XXXX processing fee for each new money order Should be a paper trail. XXXX CASE-ID They are going to investigate it and call me. Max 5-6 business days. Example : Physical deposit slip was enclosed with the 5 checks. The deposit slip listed the 5 amounts and if there were only 3 checks, something should have been noted at that moment.
XX/XX/XXXXReceived email from Deposits ECR. They basically take no responsibility for anything. Basically saying sorry, but did not answer the questions I asked. Now calling again. On hold again like all the other times.
No resolution. Now I have to take additional steps to resolve, Ally takes no responsibility. Legal action now being considered plus reporting to XXXX etc.
Sending them a copy of this.
Process is not complicated : Someone from Ally opened the envelope that was mailed with the 5 checks and deposits. ( I am sure its in their notes ) When you have a deposit slip that lists 5 checks and only 3 are there you would put that in the notes. ( nothing is listed to my knowledge because they dont share the information ) What happens now with the physical checks, envelope? Paper train.
Bottom line ALLY takes no responsibility and does not answer the questions I have asked concerning lost checks.
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| 09/19/2015 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
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|
Web |
Older American |
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I applied for a Ally Bank online savings account. It was denied in an Ally letter with words " unable to verify applicants identity ''. There was NO information error in my application. I supplied an email address that I 've had for 14 years, a telephone number that I 've had for 17 years, a street address that I 've had for 38 years, and a social security number that I 've had for XXXX years!
Ally noted in this refusal, that I was checked by XXXX. I requested my report from XXXX and received the report. An internet search reports this about XXXX : XXXX, the company that essentially does for checking accounts what FICO does for credit cards, stays relatively opaque. What XXXX does is keep tabs on any missteps in your checking history -- problems with overdrafts, or bounced checks, to name a couple. And when you want to open a new account, the bank will do a quick look at your XXXX record to see if you 've behaved well. XXXX will tell your bank whether to accept or decline your business.
In my report, a section discusses accounts that have been mishandled, reported for cause or outstanding debts. In that section of my report, XXXX says " no information found ''. In other words, no problem accounts about me found.
Under " inquiries initiated by consumer action '' XXXX named XXXX banks that I have present savings accounts with, that I have no problems with, and that I did not name in the Ally bank savings account form, because Ally did not request that information. So XXXX clearly located my accounts, clearly tied to my social security number.
Under " social security number validation '', XXXX reported " XXXX became available for issuance in 1960 in XXXX '', in which both the date and the location ( Alabama ) is correct.
So it is painfully obvious to me that there is nothing in the XXXX report that indicated " unable to verify applicants identity ''. That had to be an Ally decision.
I called Ally customer support telephone number XXXX times and online chat once. In all three cases they could not explain why my account was denied, and they REFUSED to connect me with anyone at Ally that could answer my question.
Just today, I pulled my free annual credit report from XXXX. It was flawless. In summary XXXX reported : There are XXXX potentially negative items in your reportYou have XXXX accounts in good standing in your reportAlly does not require a minimum dollar amount to open an account, but did request how much I planned to deposit. I said {$23000.00}. Apparently my money is not green enough for Ally.
I did a search on " Ally bank application denied '' and found many pages of examples of other people being denied such accounts. It is becoming clear to me that Ally trolls for new accounts, and spends little to no effort in investigating any problems in such applications. The Ally directive is just get XXXX applications, throw out XXXX with no investigation. And stonewall anyone who tries to get clarification from Ally banking officials.
It is becoming very clear from this lack of response and stonewalling, that this is not a bank that I want to deposit XXXX ( or XXXX ) of XXXX of dollars with.
So I ask " does Ally have any concept of the destructive bad will they are creating? ''
|
| 02/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
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This complaint is against ALLY FINANCIAL Until viewing my credit file, I had never heard of this company. I have been disputing an inquiry this company placed on my credit file, without my permission. My initial dispute started in XXXX of XXXX. All three credit bureaus come back with first a stall tactic and then a fake validation letter.
According to the credit bureaus, they have confirmed with this company that the inquiry belongs to me and that you are not removing it. I Demand that you do IMMEDIATELY! I have lost all my patience and this is the final attempt before I file legal action against this company.
I have been the victim of ID theft. I was in a motorcycle accident early last year and someone made an attempt to apply for unemployment in my name. I have short term XXXX from my job so knew this wasnt me. A few months later they made several attempts to obtain credit cards and car loans in my name. There are 4 inquiries from Ally Financial on my report. No one in their right mind would put that many credit inquiries, apply to the same company, in such a short amount of time. I have not applied for any auto loans or credit cards and do not wish to. It's obvious this is fraud.
Since this agency is reporting that the inquiry is valid then I demand to see the proof. Also, prove that it is actually me that made the inquiry XXXX.I demand the original credit application signed by me, showing my wet ink signature? You dont because it doesnt exist.
XXXXDid you even make an attempt to investigate this matter to prove it was actually me? Again, no you did not as I was never contacted by this company in regards to this so-called fake investigation.
XXXX. I demand a full ledger of every step of your investigative process, for each dispute submitted by me.
To continually ignore my request for validation shows malicious and willful noncompliance, which is against Federal Law. You have violated many federal laws in The Privacy Act of 1974. One agency is not allowed to share information with another agency without a consumers consent.
15 UCS 1681 Section 604 A Section 2 - clearly states any furnisher of consumer reporting is to have written consent from the consumer before reporting and item. Ally Financial did not have my consent.
I have reported this fraud to the proper authorities. I am demanding you remove all inquiries made by this company to all three credit bureaus immediately. Federal law states that fraudulent items are to be removed within 4 days. You have run out of time. If these inquiries are not removed and proof of this action has not been sent to me I WILL TAKE LEGAL ACTION AGAINST YOU. Violation of the Fair Credit Reporting Act is {$1000.00} per violation. Since you have decided to ignore or perform proper due diligence when I demanded an investigation, you are responsible. You are the furnisher of this information, so the burden of proof and all liability is on you.
At this time, I am demanding {$4000.00}, for the violations and the immediate removal of all inquiries from this company. The following inquires were placed fraudulently on my report on XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX Your expeditious handling of this matter is expected.
|
| 03/17/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
Servicemember |
|
First, our vehicle account is financed thru Ally Bank & it is under my father-n-laws name. Due to financial hardship, we became 3 months behind on our truck payment, which was XXXX XXXX, XXXX & XXXX XXXX plus late fees. I forwarded an email to Ally Bank on XXXX/XXXX/XXXX regarding our Extension Options, they emailed me back on XXXX/XXXX/XXXX requesting to call them. I called Ally Bank on XXXX/XXXX/XXXX & spoke to a lady named XXXX @ XXXX ext. # XXXX & explained our situation & to see what our XXXX Options were. Being that we was 3 months behind, Ally Bank was ready to repossess our vehicle unless, according to XXXX, that we made a payment of {$620.00} that day, XXXX/XXXX/XXXX, which would be our XXXX vehicle payment & hold off the repossession & they would push XXXX & XXXX 's payments plus late fees to the end of the loan, so we borrowed the money to pay the XXXX 's payment through XXXX XXXX Speed Pay. After making the payment I called XXXX back to confirm that she received the payment. XXXX said it would take 24 hours to post & there would be an extension fee & it would take up to 20 days to process. XXXX gave me a confirmation number # XXXX for this completed extension transaction. At this point XXXX quoted me & my husband that our next vehicle payment of {$620.00} would not be due until XXXX XXXX, XXXX in which I paid on XXXX/XXXX/XXXX & I do have a confirmation & attached documents to prove & show you along with all of my notes, dates, names, numbers, etc. So last night on XXXX/XXXX/XXXX my father-n-law calls me stating that Ally Bank called him stating they wanted {$1000.00} +plus now & that I need to called them. This morning XXXX/XXXX/XXXX I called Ally Bank regarding why they was calling & why they was wanting such an amount of money? First I called XXXX, this number is off of their own Ally Bank website & first spoke with a " Rein '', she was wanting to do an extension with us?? Which was quite confusing & frustrating because we had already been approved for the extension in XXXX, so we thought. Once I explained to her who we spoke with & why I lost signal with her on the phone & I had to call back. The second time, I spoke with " XXXX '', once again explaining the agreement from XXXX, in a confession from this agent, the confirmation number # XXXX for the extension was applied to the wrong account!! Seriously!!?? So she said she needed to transfer me to an account specialist. This is the XXXX person we have spoke with this morning! So " XXXX '' who is on the phone now is supposed to be an Account Specialist in Collections, upon going through the whole explanation again & " XXXX '' also see 's that the confirmation for the extension was applied to the wrong account, she wasted no time in transferring me to " XXXX '' in which I left XXXX voice mails for her asking her to call me back!! So because Ally Bank messed this all up, no one there want 's to take responsibility in fixing this!! I got no where, I got no results & no one has called me back & they have my name, address & phone number!! We called for help, so we do n't lose our vehicle, without a vehicle, my husband ca n't go to work & pay our bills & then Ally Bank screws this all up!! Please, please help us!!
Thank you!
|
| 06/14/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
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|
Web |
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|
I have fulfilled my contractual obligations to the letter, but I must say that my relationship with Ally has been onerous, to put it mildly. In fact, the very name, " Ally '', belies every single customer service encounter I have had with your institution.
The Ally Auto website touts, as a feature, the ability of a lessee to transfer the contract to another party. However, the bank has managed to insert roadblocks every step of the way. Beginning in late XXXX, a series of applicants were denied, in a long, drawn out process. ( Credit decisions with other bank institutions are typically rendered in minutes or hours, not weeks ). XXXX of their customer service representatives actually had the temerity to tell me that individuals might be denied if their credit history was " too good ''! I found this to be an incredible admission.
The credit department finally accepted a credit application early XXXX, ( after I made it crystal clear that I was seeking legal remedies ), but will not allow the process to move forward due to a product safety recall on the vehicle which was issued by XXXX on XXXX XXXX, AFTER I initiated the lease transfer process. ( It should be noted that this is a voluntary manufacturer recall, as opposed to XXXX mandated by our government ). At the present time, General Motors has not provided a " fix '' or remedy for this voluntary recall, and there is no scheduled date for the release of XXXX. I was told it could take at least 6 months or more.
Ally has stood by their claim that they are held accountable which is why a lease transfer can not take place as long as this recall is outstanding on the vehicle. However, I have been assured by my legal counsel that the concept of " vicarious liability '' ( between registrant and owner ) is not applicable in New York, which is where I, as well as my applicant are located.This is a XXXX ( safe enough for the but not for me? ).
Since I have been a perfect paying customer, I have come to believe that these lease transfer obstructions are a deliberate, and quite obnoxious effort to undermine my attempts. Ally 's policies even prevent me from selling the car to a third party. I have been told from an industry professional that this is unprecedented in the industry.
I have fulfilled all of my contract obligations, and am in my right to transfer the lease of this vehicle. There is nothing in my contract or on the Ally website that discloses reasons why a lease transfer can not occur except for the fact that an applicant could be denied. I would gladly fix the recall, with the exception that XXXX has NOT released a remedy yet ...
I have written a letter and email to the CEO and President XXXX at Ally, I did receive a call from a rep. ( I missed the call ), which I have called back XXXX-4 times, left messages, and have not heard back in over 1 week.
Ally is known for this ... I have seen it on many forums online, as well as someone else that I know who is in the same predicament.
Additionally, to buy the vehicle, Ally is adding their own fees into the buyout cost - I could n't even buy the vehicle and eventually re-sell it if I wanted too because it 's too expensive with their own feeds they add in ( about {$2500.00} ).
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| 02/26/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was damaged or destroyed the vehicle
|
|
Web |
Servicemember |
|
On XX/XX/2019 at approximately XXXX a tow truck was seen attempting to pull my vehicle from the space it is parked which is on my property. The tow truck operator was conducting the town upon Ally Financials request. Upon seeing this I ran out of my home and demanded he stop the tow due to the fact that one of the tires had just recently blown and this had resulted in the car laying very low to the ground and as such any attempt to pull it at a raised Angle would result in damage to the front bumper and also cause severe damage to the front wheels due to the fact that the front passenger tire was completely flat. The repair of the tire was scheduled to occur on or about this coming Friday the XXXX. The tow truck driver ignored me and proceeded to attempt to tow despite my objections. This of course led to the front bumper being almost full broken off the front of the vehicle. Upon hearing me scream at him that my vehicle was being damaged in the process, the tow operator decided to stop and look at what was happening. I advised him that he was now in breach of the peace and as such he would be wise not to attempt to come back on to my property until I have discussed the matter with the creditor lest he expose them to ever more liability. When I went back into my home to get the key for the vehicle after the tow operator already dropped the vehicle, he yet again attempted to tow the car when I was trying to get into it and started to drive away. Now with it locked in to and pulling my car this caused me to fall beneath the car and suffer bruising, cuts, and abrasions to my hand and leg. I yelled again advising the tow operator that he was dragging me. When he stopped I again let him know his company was in violation of state statutes related to breach of the peace and that he was again putting the lender in ever more legal jeopardy especially now that I had suffered physical injuries caused by his negligence. I warned him not to come on to my private property again without my permission and if he did so i would contact the police for trespassing advising the entire incident was being very well documented.
I understand that I am behind on payments, I am presently waiting for my tax return to be able to bring my account current with my lender. It was my understanding that my account wouldnt become eligible for repossession until I was at 90 days or more delinquent. As of today the vehicle was only 85 days. Ironically I was just informed today by the IRS that I can expect payment of my refund to be deposited on the XXXX. I attempted to contact the lender to advise them of this but their offices had already closed for the evening. I would like to pay the lender but am upset that my vehicle was greatly damaged in the process of their tow attempt. The entire cost of the vehicle purchase was more than 27k, as of today I believe the total due is less than 4K, so of course there is great interest by me to ensuring that the remaining monies be paid. It will likely cost me at least 3000 to replace the bumper, so go figure.
If ally is unable to accept a payment from me to bring the vehicle out of default then I guess Ill have no other choice than to seek bankruptcy protection in the courts.
|
| 03/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
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My husband ( co-borrower ) and I have submitted an application to refinance our current mortgage, which is with Ally Bank, and transfer it to XXXX XXXX ( a/ka/ XXXX XXXX ). When we applied for the refinance, we requested that XXXX XXXX obtain a Consolidation Extension and Modification Agreement ( XXXX ) from Ally Bank, which would avoid us having to pay an additional {$10000.00} in New York State transfer/mortgage recording taxes. These are taxes that we paid when we originally obtained our mortgage in XXXX, at the time we purchased our condominium unit.
I was advised a few weeks ago by XXXX Loans that our current lender, Ally Bank, is refusing to provide the documentation that would enable us to avoid incurring these mortgage recording taxes, which could simply be done by assigning them to the new mortgage through a XXXX ( we were able to accomplish this when we previously refinanced our mortgage in or about XXXX ).
We never chose Ally Bank as our mortgage lender, as the bank with which we had originally refinanced our mortgage subsequently assigned our mortgage first to one bank, then to another, and finally, to Ally, about one year ago.
We should not have to suffer the consequences of being denied the ability to assign our mortgage recording tax via a XXXX when we were never in privity in the first place with the bank that is denying us this ability to save substantially on refinancing costs. We view this refusal as an effort to take advantage of consumers like us. Paying a tax that we have already paid will add to our mortgage principal, which we think is completely unreasonable. Essentially, Ally Bank is holding us hostage to a mortgage at an interest rate that would be reduced substantially if we are ultimately able to consummate the refinance. As we are consolidating our mortgage with a home equity line of credit, the refinance will enable us to save approximately {$500.00} per month. Adding the additional tax amount to our closing costs would require that we incur an unnecessary expense in a year when we are about to send our two daughters to college.
In XXXX, I made several phone calls and was bounced from one Ally representative to another, neither of whom was able to address my issue. Instead, I was told that I needed to talk to someone in " Servicing. '' When I was finally connected to Servicing, I was placed on hold for more than 30 minutes and then forced to leave a voice mail message without speaking to a representative, which has, to date, never been returned ( or, if it was, no voicemail was ever left for me to return the call ).
Following these efforts, on XX/XX/XXXX, I submitted a secure message to Ally Bank through its website, requesting that they promptly address my issue. On XX/XX/XXXX, they responded that they were researching my claim and would respond within three to five business days. When I followed up again on XX/XX/XXXX ( without having received any response to my inquiry beyond the initial acknowledgment of receipt ), they advised me that they were researching the matter.
I am now concerned that I will not be able to close with the favorable rate that has been locked in on our refinance. Ally has failed to adequately address our concerns.
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| 03/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Problem with additional add-on products or services purchased with the loan
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Web |
Servicemember |
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I went to XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX to look at some vehicles to possibly purchase. As i were browsing in the car lot area a salesman approached me and ask me " Can i help you find what you are looking for? '' I responded how much is this XXXX XXXX XXXX? he only responded with '' lets go inside and get some information then we can go from there. After giving out my information and doing some paper work I were still waiting on the price of the vehicle. And then finally the salesman said " the finace manager would like to see you now '' .The manager name is XXXX XXXX XXXX who went over all the documents and my personal information and still at this point did not tell me the price of the vehicle. After some time has passed a hour or 2, he finally revealed all the documents to me for review and signing. He finally open the Retail Installment Sale Contract with all of the add-ons attached separately from the price of the vehicle. I noticed the price of the vehicle with just state tax /government fees is what I should have paid. But as he went add-on by add-on the price increased quite a bit from the original price.He ( XXXX ) added a predelivery charge for {$990.00}, electronic registration fee for {$270.00}, I were never told if I select this method of signing a fee would be involved he never mentioned it. XXXX added Gap coverage- {$1400.00} which I Iinitially decline but he said " the finance company is requiring this for protection of the vehicle or the deal wont go through ''. using skilful tactics of telling a scenario about what could happen without the coverage he got be to sign using this deceptive tactic.He added extended warranty -- {$2500.00}, I again wanted to decline but again using deception once again another scenario and then I were persuaded once again to sign. XXXX never told me these add-on were optional, and also they ( addons ) are not a part of the original price with the vehicle.I feel as though I were lured into signing these items into the contract. He then proceeded with other add-ons road hazard- {$830.00}, Theft protection- {$790.00} which I said isn't the GAP and Theft protection the same? he said " they are different from each other they do different things '' .I didnt know at the time that all these add-ons were supposed to be included in the original price of the vehicle, only after educating my self and help from others I discovered this deceptive hidden revealation and I feel betrayed as I now carry this heavy burden of a high car payment, that were obtain by means of fraud and deciet.I now regret that I did this something needs to be done about this, because it is a pure violation of the FTC act section 5.And which prohibits using '' deceptive practices to misrepresent " is a violation of my consumer rights.I am seeking remedy from this violation of my right, and it is to be reimburse for all the deceptive and iilegal adds-on in this contract. And also due to the hardship of payment it has caused, I am requesting that APR of 7.94 % be reduced to at least 5.9 % because this whole contract now overly embellish with deception and fraud. Hopefully my proposal can be granted to the unforseen circumstances of financial struggle it has caused.
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| 04/12/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act XXXX XXXX XXXX XXXX. XXXX : XXXX : XXXX Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : ALLY FINANCIAL XXXX XXXX XXXX # XXXX XXXX, MN XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
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| 08/14/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
Servicemember |
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I lost my job in XXXX called to make payment arrangements because I was unemployed they told me since I had transferred my loan to XXXX XXXX had been less than 6 months that they couldn't work with me. So my payments fell behind. Then I got my job back around XX/XX/XXXX and on XXXX the XXXX at XXXX a.m. I called XXXX XXXX to set up a payment arrangement I was going to pay them {$400.00} on Friday with a debit card and then make a {$250.00} payment the week after next. Ally financial agreed to it and then on XXXX the XXXX at XXXX a.m. approximately, ally Bank had my vehicle repossessed. When I finally get an answer to where my vehicle is it had been XXXX hours. Evidently on Tuesdays they have a general meeting until XXXX anyway I found out where my vehicle is they had transferred my vehicle from my residence in XXXX Arkansas to XXXX XXXX XXXX Arkansas roughly XXXX miles away which makes it impossible to get to on the same day especially when they repo your car how are you going to get XXXX miles away. So finally I get the {$1700.00} from selling some assets and borrowing money from family to get my car out of repo. I wire the money to XXXX XXXX at XXXX remind you I wasn't able to get a hold of anybody until XXXX so it's XXXX really when I finally get off the phone with them with an amount so it's been pretty much all day affair I missed work everything because of this. so the next day it went through and I call Ally bank and they said oh we don't have it yet so I give it an hour or two I called my bank make sure the wire went through it did and so I call Ally Bank again and they say oh we don't have it I was like could you check and the lady was like it's shows in our system that is not there it's not there I was like would you just check finally I get them to check after I use a lot of foul language cuz I'm irritated at this point and she checks and goes oh we have it and I was like duh and so they released my vehicle. Then I borrow my dad 's truck I drive up to XXXX XXXX XXXX to pick said vehicle up and what a cluster that was. There was damages done to my vehicle that XXXX XXXX nor the repo company has responded as to who's going to cover it. The repo company got into my vehicle basically they Jimmied the lock got my wallet out of my vehicle after I specifically told them not to I would take care of it. And out of my wallet there is missing {$600.00} in cash I made a police report on it and everything it was just a bad experience we'll just say that and nobody 's taking responsibility for the damages done to my car nor the stolen money I can't get anybody to answer me from XXXX XXXX I have called I've sent emails with descriptions and pictures and still no response back. I've threatened lawsuits I've threatened everything I still get no answer so I'm going to file a lawsuit on Monday which will be tomorrow from this submission it's absolutely ridiculous that somebody would have to go through this especially when there was already a payment arrangement the next day they repo the car you get the car back then they charge you an extra {$400.00} on top of your past due balance and then they want you to make a payment at the very next day I'm like you people XXXX XXXX.
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| 03/01/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem related to refinancing
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Web |
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I received an auto-loan from Ally Bank XXXX XX/XX/XXXX for a XXXX XXXX XXXX XXXX and attempted to refinance my loan with my local credit union ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to get a lower interest rate on XX/XX/XXXX. XXXX approved my loan refinance and sent a check for the remaining amount to Ally Bank on XX/XX/XXXX.
Sometime between XX/XX/XXXX and XX/XX/XXXX, Ally Bank denied my refinance and neglected to inform me or my Credit Union about the denial. When pressed for to provide reasons for the denial, I spent several hours ( approximately XXXX hours ) being transferred and hung up on, only to learn that it was denied because the address they ( Ally ) provided ( online ) was incorrect and out of date. They provided me with their " new '' address, and I had the Credit Union reissue the check on XX/XX/XXXX.
To avoid having my loan be sent to collections ( with Ally ) while I waited for the new check from my Credit Union to be received, I was told that it would be in my best interest to pay them now, and wait for reimbursement when the check arrived. I was then informed that I would not only need to pay for the month of XXXX, but that I would also need to pay for a previous month, that was now delinquent. When I pressed them to explain why I would need to pay twice within the same month, they told me that it was for the month of XXXX ( XXXX ). I explained to them that would've occurred before I had even had the car/received the loan, and they then proceeded to lie to me and tell me that it was for " some '' month that occurred between XX/XX/XXXX and XX/XX/XXXX. I explained to them that I could demonstrably prove to them that I have made every payment ( on time ) by providing them with bank statements, to which they denied and then sent me to their phone billing system.
During that experience, I explained to them that I had already tried to make a payment over their ( Ally ) app and over the phone, but I was told that my account was " not authorized to receive payments '' multiple times. Despite that, on XX/XX/XXXX ( XXXX ) I attempted to make the payment over the phone again ( as I was told that the issue involving my account had been corrected ), only to learn that they had still not corrected the issue, citing that my account had been suspected of fraud. I was then directed to make a payment over " XXXX '', which I did, paying an additional ~ {$30.00} to guarantee that my account would not be sent to collections on XX/XX/XXXX.
To top it all off, I learned on XX/XX/XXXX, that the subsequent address that they provided me when my Credit Union sent them the second check was also wrong/outdated, and I would need to put a stop payment on that one as well. I called my Credit Union to do so, and they said they would be unable to stop a cashiers check until the check was denied, or 15 days pass. I'll be a waiting a full month and a half - assuming nothing else is messed up - to finally transition my loan to my existing Credit Union ( from Ally Bank ).
I have been lied to, I have been called a liar, I've been told that I am mistaken. My credit is on the line - and no one I talk to can provide me with a consistent narrative as to why this is happening to me.
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| 11/10/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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On XXXX XXXX 2016 my vehicle was in a total loss accident. I called Ally Financial on XXXX XXXX to notify them that my insurance company had deemed the car a total loss. Unsure how the process worked and relying on Ally to guide me through the process. I was told there was a total loss department and asking to speak with them the agent told me she could not provide me with that number. Soon after I started getting calls from Ally to my work number calling 6 times in a row to collect payment. I then kept telling them the car was in an accident that I have insurance and gap coverage on the car. Ally reported me late to the credit bureau 's in XXXX for 30 days and in XXXX for 60 days. I was told by my insurance company on several occasions throughout this process they were waiting on Ally to send them a letter of guarantee. Here I am helpless with Ally while they have me in collection and reporting me late and the insurance company can not get a document from them. This is one of many examples of how my experience was working with Ally. I filed a XXXX complaint in XXXX. On XXXX XXXX I received a letter from XXXX XXXX in Executive Customer Relations. saying that have determined their reporting to be accurate, but as a courtesy they will escalate the concern and would follow up within 1-2 weeks. I never heard anything back. I have left several messages for XXXX XXXX with not one returned phone call. I receive a letter from Ally stating I owe them {$1200.00} which is {$500.00} for the deductible ; {$570.00} ( my auto payment ) they want paid by XXXX/XXXX/2016 and the rest is late fees. After receiving this letter I call in to Ally on XXXX to see if I can reach XXXX XXXX I was transferred finally to XXXX in the so called " Executive Customer Relations Department '' after waiting on hold for 35 minutes. I explained to him the situation he even " agreed '' that Ally should have handled this differently when I made the initial call to them on XXXX XXXX He even suggested waiving all fees other than the {$500.00} deductible but would have to be sent off for approval ( at this point I finally feel like I have gotten somewhere with them ) He gave me a reference number # XXXX. I asked if he had a call back number and was advised he could not provide me with one. I got a call today XXXX from a XXXX XXXX XXXX at Ally saying that he received MY request for a credit and Ally would not be waiving any charges and a request had been ONCE AGAIN submitted for review of my credit and should hear something in the next few weeks. I asked him where my response was from XXXX XXXX 's request in XXXX since i never got XXXX. He could not answer that. I explained this was offered by XXXX he then advised I would need to refer back to the " Executive Customer Relations Department '' by writing them. I am appalled at the professionalism of this company. I have been continuously passed off. All I asked from them was their help and not even could I get that. My account was in good standing with them up until this accident. My account with my new auto loan is in good standing. I am willing to provide any additional documents or information you need to assist with this complaint. Thank you for your time.
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| 10/16/2017 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Account opened as a result of fraud
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Web |
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I opened a checking account with Ally Bank in lateXX/XX/XXXX.
But instead the Ally Customer Service representative whom took my initial call on the phone opened a checking and a saving account. After I made my initial deposit I received a debit card and checks.
I never agreed to opening a savings account. Everything I thought was deposited in my checking account has been put in this savings account set up by the Ally Customer Service representative that took my initial phone call.
My job ask that I send in a direct deposit slip from my bank.
I went to my Ally Bank online account for this information and saw that I had a checking and a savings account. The saving account had my first deposit and the checking account had a zero balance. I immediately contacted Ally Bank by phone to question as to how and why I had a savings account. The explanation was unacceptable due to the fact I never agreed to this and I also asked Ally Bank to show me proof of my agreement to a savings such they did with the checking account. When the Customer Service representative stated there was no such document I asked that I speak to a supervisor.
After I spoke with the supervisor he assured me this would be corrected immediately and also gave me a checking account # to put on the direct deposit slip that I was to send to my job. A week later, my job called me stating the direct deposit information could not go through. I called Ally Bank, the customer service representative stated that I put my checking account # in and the utilized my saving account routing #. I explained to her that I do not have a saving account and that this was supposed to be taken care of last week. Also, asked this customer service representative were there any notes placed in their system regarding me speaking to a supervisor. She stated yes that I had just closed out a checking account and that my savings account was the only account I had opened.
She stated she would close out the savings account and transfer all funds to a checking account. I stated I did not and should not have a savings account to close out. She stated if I do not agree to closing the savings, I would have a new checking account and a savings account. I asked to speak to a supervisor. This supervisor contradicted the customer service representative by stating there were notices in this account that I was transferring from account for some time from my savings to my checking account. I told him I did not or should not have a savings account and that this was effecting me mentally as well as financially.
I sent my job the new information that was given however two weeks later when I went online to see my checking account balance {$0.00} as well as an open savings account with transfer activity.
I called Ally again immediately I asked to speak to a supervisor. He profusely apologized and stated the account was fixed but it has not been posted yet.
Last TuesdayXX/XX/XXXX I sent Ally Bank a hand mailed check and my job posted my funds on XX/XX/XXXX. Today,XX/XX/XXXX they both have yet to post however the customer service representative stated to my money is there and the screen showing the money was not in my account disappeared.
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| 09/08/2017 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On Tuesday, XX/XX/XXXX I walked up to the ATM attached to the XXXX XXXX branch location at XXXX XXXX XXXX XXXX, XXXX XXXX, MI between XXXX and XXXX local time. I attempted to use my Ally Bank ATM card to make a cash deposit. Upon inserting the card and providing my PIN, I selected the Cash Deposit option from the touch screen menu. The cash deposit entry point opened and I began inserting bills, which it began to count. After I had inserted some of the funds, the cash deposit entry point began to have some issues with some of the bills, and after a couple minutes, the slot closed, and the ATM went back the main menu. In total, I had inserted {$180.00} into the ATM. I was given no receipt and no transaction number. When I tried to get the slot to open again by using my card I received an error message. So, essentially, the ATM took my funds, allowed me to insert them into the slot, then it started over without processing the transaction.
I contacted the branch the next day, Wednesday, XXXX XXXX, at XXXX. At first they had not checked on the ATM, then after a second call, they let me know that they had balanced the ATM and they had found the founds. So the associate I spoke with verbally admitted that the {$180.00} had been located. However, I was told by the branch associate that I would need to contact the XXXX back office to file a dispute in order to recover the funds.
I went forward and I contact the XXXX back office on Thursday, XX/XX/XXXX, at XXXX. They told me that they could not handle my claim and that I would need to contact my own bank, Ally bank, even though the transaction was not processed because in their view even though the transaction did not go through there would have been a trail created associated with debit card at Ally bank. I was told to contact Ally Bank and to file a dispute of the transaction with Ally, that then they would receive this dispute through the system from Ally, they would verify the dispute and provide the funds to Ally, who would deposit the funds in my account.
Accordingly, I contacted Ally Bank, at XXXX. However, the representative I spoke with told me that it was not possible to file a dispute for this ATM issue, as there was no record on Allys end of the transaction. They could not process my dispute/claim because it wasnt in there system.
A back and forth of several phone calls persisted between both banks, both refusing to claim responsibility for processing the dispute. Neither Ally Bank, nor XXXX, can tell me what I need to do in order to receive a refund of the {$180.00} dollars that XXXX has already admitted was taken by the ATM.
There should be camera footage of me using the ATM, and I did perform a balance inquiry after the deposit system broke, so there should be a record of that as well.
Finally, today I decided to file a dispute after spending an hour on the phone with an Ally representative named XXXX who refused again to file the dispute, and told me that he would escalate my claim to executive support. It is still unresolved.
I would like XXXX or Ally to follow the proper procedures to either return the {$180.00} to me physically, or to deposit the funds into my Ally account.
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| 11/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Cfpb Unauthorized Inquiries letter XXXX XXXX XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX Attn : Consumer Complaint Division Subject : Formal Complaint against XXXX for XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to file a formal complaint against XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX, the three major credit reporting agencies, regarding unauthorized credit inquiries listed on my credit reports. These inquiries were conducted without a permissible purpose, thus violating the Fair Credit Reporting Act ( FCRA ) and adversely affecting my creditworthiness.
The unauthorized credit inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALLY FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have taken the necessary steps to address this issue directly with the credit reporting agencies by sending a pre-litigation dispute letter, which is attached for your reference. However, as my concerns remain unresolved, I am turning to the Consumer Financial Protection Bureau for assistance and intervention in rectifying this matter.
As you are aware, the FCRA, under section 604 ( a ) ( 3 ) ( C ), mandates that a permissible purpose is required for a credit inquiry to appear on a consumer 's credit report. Permissible purposes include, but are not limited to, credit transactions initiated by the consumer, employment purposes, and with written consent of the consumer. I can affirmatively state that I did not initiate these inquiries, nor did I provide my written consent for any of them.
These unauthorized credit inquiries have had a detrimental impact on my credit score and creditworthiness, hindering my ability to secure credit, employment, and housing opportunities. I am left with no choice but to seek the assistance of the Consumer Financial Protection Bureau to ensure that my rights under the FCRA are upheld.
I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against XXXX, XXXX, and XXXX for their willful noncompliance with the FCRA. I ask for your assistance in ensuring that these unauthorized inquiries are promptly removed from my credit reports, as well as any other necessary actions to rectify this situation.
I am willing to provide any additional information or documentation that may aid in your investigation of this complaint. Please keep me informed of the progress and outcome of your investigation. Your intervention in this matter is crucial to protecting consumers ' rights and upholding the integrity of credit reporting agencies.
Thank you for your attention to this matter, and I look forward to a swift resolution.
Sincerely, XXXX XXXX XXXX
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| 07/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I started by financing a XXXX XXXX XXXX XXXX XXXX at XXXX through Ally Financial in XXXX XXXX next day this bad car broke down for no reason and I returned it to the dealership. So they proposed me a replacement car. They resent a new application to Ally bank and told me that this first account for XXXX XXXX XXXX deal was cancelled and thats I am good to go with a new XXXX XXXX XXXX. I went back home and opened my Ally bank online banking and saw still two accounts opened under my name. The XXXX and XXXX cars are both open and are reported as current by the bank while dealership told me clearly that they already cancelled this first deal and I dont have to do anything since they replaced me the car. So it was so confusing and worrisome. I first called the bank to report the incorrect information. They told me I dont have to worry about this XXXX XXXX car account, its the dealership, they will update that. Some days later bank started calling me stating that I will be sent to collection because I have late/past due for the XXXX XXXX car which is supposed to be cancelled since 2 days after financing it by dealership because it was already replaced and closed. I had a hard time but finally managed to contact the dealership to report the incorrect information, and they told me that it is supposed to be cancelled. Ally Financial started lying and lying over and over to me. I called that bank thousands and thousands time always some fake information trying to do as if they dont understand anything of the situation now that I report it as fraud. They try to always tell me that I own this XXXX XXXX car and dealership didnt cancel it, they will keep reporting delinquency on my credit report and I am responsible. So incredible!!! This XXXX XXXX deal was cancelled since XX/XX/XXXX, 2 days after financing and it was replaced by a XXXX XXXX car and it was cancelled as I was told by dealership. Why would I even finance two XXXX at the same time. This is beyond fraud. I have all the records against that dealership/bank and I will go to the legal system soon if anything wasnt done to correct my inaccurate report. Its now 4 months my account has delinquency reported fraudulently by bank and or dealership. I dont own this car, dealership cancelled this deal 2 days after and replaced it, it was since XXXX. It shouldnt even be reported to credit bureaus in the first place.There is nowhere that I will be responsible for a car that I never owned. There is law and people have rights. Even illiterate wont tolerate that. This is the worst abuse of rights I have ever witnessed. I have to lock my credit for fraud, cant even for rent now. I dont trust nobody anymore even financial institutions. They are supposed to protect our data that we allowed them to access. They trap people like me and mess up with our credit fraudulently to prevent us from doing anything but paying them those high interest rate. This is beyond abuse of rights. This bank and dealership are dishonest and engage in fraud against XXXX. They have a huge record of that all over the internet. Never know about them. I will never ever do business with a dishonest/ fraudulent bank or dealership like that.
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| 01/26/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
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- Managing an account
- Banking errors
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Web |
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I am working with my husband in filing this complaint. I and my sister inherited an account containing XXXX CDs from my father when he passed away in XXXX of XXXX. My husband was managing the estate in my place and we opened a case with Ally XXXX XXXX to handle the inheritance in XX/XX/2020. The account contained XXXX CDs. My sister withdrew her half and I left my half with Ally Bank. We were told that I could roll the XXXX CDs into the XXXX with the highest interest rate until that CD matured, ( approx XXXX months ) at which time Ally would renew that CD for 2 years AND KEEP THE EXISTING INTEREST RATE of XXXX XXXX plus XXXX XXXX BONUS. Those rates were higher than available rates at that time so we agreed but only after confirming on a second conversation with the Ally XXXX XXXX concerning what would happen. We asked how that promise would be documented and were told that it was noted in the estate case as to what will happen at renewal. At renewal with additions, this XXXX amounted to approximately {$100000.00}. When the XXXX renewed I was given a rate of XXXX XXXX We called customer support and questioned the rate and were told that it was the current XXXX. CD rate. I explained what we were promised and they checked the case and said that promise IS documented and that they WOULD adjust the rate as soon as a XXXX approved. Nothing happened for several weeks so we called again, and again explained the situation. Again we were told that it was Ally 's mistake and that their mistake was verified by a XXXX and that adjustments would be made. Nothing happened for several weeks. We called again and and this time there was no acknowledgement of the promise but we were told that our complaint needs to go to the XXXX committee. I got a letter several weeks later from a member of the XXXX committee summarized as there was no merit to my request. We called and asked if we could speak to that member of the XXXX XXXX and were told that they had no idea what the XXXX committee was nor how to contact the individual who wrote the letter. I explained my frustration and was told that they would resubmit a request although again no longer agreeing that I had a valid complaint. A couple of weeks later I got another letter from a different XXXX committee member again indicating that there was no merit to my request. Since with every call to Ally you need to approve recording of the call, we called support again and asked how long recorded calls are kept. We were told that they were kept forever. So we explained our frustration and asked if we could get a transcript of all our calls with Ally. We were told that she would speak with her supervisor about transcripts of the calls and she would get back to me asap. We were told that this WOULD GET RESOLVED. I waited several weeks and no response. We called once again to ask about the recordings and the failure to get a return call and were assured that a call back would come once the incident was examined. There has never been a call returned from Ally after numerous promises. At one point after several months I asked about withdrawing my funds and was told that there would probably be significant penalties.
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| 10/25/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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In XX/XX/XXXX, my XXXX XXXX was repossessed. I recently pulled my credit report to find a negative item from the lender in the amount of {$7200.00}. I sent them a certified letter which was received by them on XX/XX/XXXX requesting copies of all legal documents pertaining to this vehicle purchase and the subsequent repossession.
Under the laws of the State of Georgia UCC 9.506 and State RISA and MVISA statues a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to.
The lender responded with a letter dated XX/XX/XXXX and received by me on XX/XX/XXXX which outlines this event and included some but not ALL of the requested documents. In addition to not sending any of the documents letting me know PRIOR to the repossession that was the manner they were electing to settle the matter, but the subsequent documents dated XX/XX/XXXX and XX/XX/XXXX were sent to an address that I have never resided and furthermore is not listed anywhere on my credit file. The sent no matter of clarification as to where they got this information, nor did they provide for me documents concerning the actual removal of the vehicle.
The actual repossession incident, the tow truck driver committed a " breach of the peace '' by threatening my elderly Aunt with having her vehicle towed as well ( the driveway is small and she was parked ) at approximately XXXX XXXX XXXX XXXX. The lender has provided no information concerning the actual removal of the vehicle.
I spoke with a representative with Ally and made very clear which documents I was requesting on two separate occasions but attached is all that I received.
In addition, the request was received by Ally on XX/XX/XXXX in which I requested all documents within 14 days. Their letter was postmarked XX/XX/XXXX and I had to call and speak with the agent on XX/XX/XXXX again requesting whatever documentation they had.
In addition Ally has posted to my credit reports a balance of {$7200.00}, yet the documents they sent me show a balance of {$6900.00} and they provided no additional documentation explaining the difference in balances.
I have sent written disputes to all three credit reporting agencies on two separate occassions requesting that that VERIFY this account. In each case the agencies responded saying that the account is correct and valid. Upon reviewing my credit reports today XX/XX/XXXX I noticed that the last activity on this account was XX/XX/XXXX for XXXX, XX/XX/XXXX XXXX, and XXXX didn't list a last activity date ... which leads me to conclude that these companies in fact DID NOT actually verify or even make a reasonable effort to investigate this account.
This vehicle was sold to me in a high pressure situation where I was told a different payment and interest rate than what was on the paperwork. In addition I was also told that I had to sign the paperwork b/c the title was already completed and that I was already in breach of contract, as well as I would be able to get a lower rate and payment in 30 days ... at the time I took them at their word, but I obviously now know better.
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| 08/11/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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my son was driving my car on XX/XX/XXXX he was hit by a drunk driver my car was declared total and taken to the salvage yard. i called my car loan company to let them know and i was working it out with other parties insurance to have car paid of, this took several months once they agreed on the amount to pay i was left with a balance as i did not have gap ins on my car. during this time i was communicating with allay total loss dept, they gave me the pay off on my car as i knew it had to be taken care of. at this time we are in XX/XX/XXXX. i wrote a check to the car fiance company and they told me they would app ; y to my account and it would be marked as paid off in full. I then proceeded to think that was what they were going to do. THAT WAS NOT TRUE In fact they reported to all of the credit bureaus that my car was repossession vehicle. i found this out as i was checking my credit i was shocked upset and confused, know they quickly cashed my check and lied to me. so then i started to call the allay finance company to help me fix this as it was obviously an error, to my surprise they were going to do no such thing. Mid XXXX i started to call ally company and i would be pit on hold transferred redirected over and over again to the point my days would start everyday calling them i would spend an average of 3 hours a day. i can not tell you how difficult it has been no one will help i have been told to dial so many different number and i have been told we don't handle this in our dept itis the other dept or you need to speak to this person or no you need to go back to that dept i started to take names extension and still no help here are just some of the names and numbers i have called XXXX XXXX XXXX miss XXXX at ext XXXX or XXXX call her XXXX settle XXXX XXXX XXXX XXXX support team. This kept going on and on and on. at this point i contacted all 3 credit bureaus and they agreed they saw what i saw, they explained i should contact them i told them i have been trying to do this and no repose or help. they told me please send to them all of info and proof of payment has been made and they would correct this in their system so it would reflect not a repo but car being paid in full. i did send to all 3 credit bureaus proof of my car accident police reports pay off ins and my cleared check to ally that they had cashed. this was sent to each buderus certified return so i would have proof they received. during this time i was still continuing to call ally with no response or help to the point i was under so much stress that i was in the emergency room. after 30 days i contacted the credit bureaus and asked if the have made the correction and they informed me there is nothing they can do to help me. i asked them then why would you tell me to sen all the documentation to show it is not repo and do nothing i was so up set. i even went to call the president of ally but no luck. i am here now almost.
7 months after an accident that was not my fault my car totalled i try to do the right thing pay my car off and now wanting to buy a new car and not being able because i have a repo on my credit report please help me i do not know what to
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| 10/12/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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I have been the victim of an online scam, and I have encountered what I believe to be inadequate responsiveness from Ally Bank in handling this matter.
The sequence of events leading to this complaint is as follows : On or about XX/XX/2023, I entered a transaction with an individual purporting to be a Russian Blue Kitten breeder through the website called : XXXX to purchase a kitten. The request involved numerous text messages and email exchanges with an individual who claimed to be the breeder named XXXX XXXX, also known as XXXX XXXX. The contact information for her was verified through her telephone number, ( XXXX ) XXXX, email address, XXXX, and business address. The breeder confirmed that she had a kitten available by the name of " XXXX, '' priced at {$750.00}, along with a {$70.00} fee for the delivery of the kitten to my residence, totaling {$820.00} dollars.
The breeder provided me with her XXXX contact information : XXXX XXXX, with the email address XXXX. It is essential to note that upon inputting these credentials into XXXX, the recipient 's name appeared, and I confirmed via text exchange that this was the correct XXXX information.
XXXX XXXX then confirmed receipt via text, that my kitten would be shipped the following day, and provided me with a tracking ID from XXXX XXXX XXXX, a pet transport service. However, shortly thereafter, I received a phone call asserting that the kitten was presently " on hold '' due to an obligatory purchase condition - an XXXX XXXX XXXX XXXX XXXX pricing at approximately {$3400.00}. It was at this point where I realized that I was being scammed, and this was a common tactic used by pet scammers. I attempted to call XXXX XXXX several times, and there was no answer or voicemail service.
I immediately called Ally Bank to report the fraud and dispute/stop the {$820.00} XXXX transaction XXXX When speaking to the bank representative, she informed me that she would open an investigation and that I was to file an internet fraud report with the FBI, as well as report the fraud with XXXX. The Ally dispute number is XXXX. She additionally suggested that I notify the police, to which I was able to obtain XXXX XXXX name and address in XXXX, Georgia. Subsequently, I reached out to the XXXX XXXX of Police to report the incident. I also uploaded all of the requested documents to Ally Banks messaging portal.
Ally Bank did nothing to stop the payment, and my account was not refunded the {$820.00} dollars. I have reason to believe the bank rep failed to flag this matter as fraud or notify the bank 's fraud department to stop the individual who scammed me. On XX/XX/2023, I received a written letter from Ally Bank, with a backdated date of XX/XX/2023. This written communication conveyed the outcome of Ally Bank 's internal investigation, asserting that the transaction was authorized and without error. Furthermore, the communication conveyed that the recipient ( scammer ) had been contacted and she had confirmed the transaction as authorized. The bank 's response seemed to align itself with the perpetrator of the fraudulent act, with the communication stating that the funds would not be restituted.
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| 06/21/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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Almost 2 months ago, I was at XXXX and my debit card wouldnt work. I logged into my Ally account to find my savings account listed as closed and my checking account listing a high available funds. Ive been calling them daily and been told they reserve the right to close accounts without warning or reason. I spent 4 hours on the phone with them being escalated only to be told the department in charge does not accept phone calls and an XXXX case would be submitted for them to return my call within 6 business days. There has been no call. How can you not speak with someone to get more information or try to find a solution to at least get my money. Its highly suspect as I disputed a charge of almost {$3000.00} for an insurance plan that issued me an ID card with an ID # that doesnt exist in any medical database nor could the issuer even find it! I have paid for the coverage without receiving it for 6 months now forcing me to pay insane amounts for my life saving medication and been unable to get monthly XXXX as its {$3500.00} a month on top of the {$1000.00} Im paying for coverage thats not being given. I am XXXX, recovering from a divorce where my spouse stole our life savings while I was incapacitated and now having to sell precious items I own of value for tiny cash sums just to afford 1 meal a day and dog food. My dispute was made based on the instruction by the insurance provider, the 3rd party management of said insurance and ALLY BANK THEMSELVES as all agreed the contract had clearly not be fulfilled. An Ally rep directly filled the dispute claim out on my behalf selecting details such a fraudulent due to paying for a service not rendered. I literally acted on the advice of all parties included, but Ally continues to claim A. Theyre missing the additional documentation required ( which has been submitted twice with proof of submission and confirmation of receipt by Ally in my account under their messages feature ) B. Continue the freeze of all my funds in my checking account, never closing it or allowing activity on it. C. have issued a notice of adverse action to XXXX but never followed through or provided any reason or basis for the adverse notice..Im unable to open an account anywhere due to this even having the banks tell me theyve never seen this with XXXX saying the same and to contact Ally again. But again, that dept. doesnt take phone calls. I can not accept a new job offer due to no account existing to set up direct deposit, I can not receive vital medications as each is over $ 300 monthly, I can not get a hold of anyone to resolve the matter, I can not pay any bills and on the verge of losing my electricity my water service my cell service nor can I afford to put gas in my car to leave my home. I literally am about to be on the streets while Ally continues to hold my available funds while doing everything to avoid refunding me the $ XXXX Im owed on top of that. My credit score has now dropped XXXXXXXX XXXX..this is fraud and theft by Ally. Please someone help me before Im to crippled to move and living on the streets! Please, Ive never been so terrified with my bank going in circles and not doing anything.
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| 08/07/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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I recently tried to buy an XXXX and sent the {$400.00} as payment through XXXX. I have sent the payment under the impression that Ally Bank has protection if this would be a scam. I sent the amount to the person through XXXX and was waiting on the product on XX/XX/2019. The person never sent it to me and took my money. After that, I reported a problem with Ally with the impression that they will investigate and get my money back. They did not. They say that I sent the money and said that they can't do anything.
I have written confirmation from the Ally Representative that if the item would not be sent I would have protection to get a refund. Then I spoke with Ally representative to start this investigation and he said that it is out of there hands. NO HELP and Claims not provided. Dishonest practice.
Chat start time Sat, XXXX XX/XX/2019 XXXX XXXX XXXX Chat end time Sat, XXXX XX/XX/2019 XXXX XXXX GMT Duration ( actual chatting time ) XXXX Operator XXXX Chat Transcript Info : Welcome to Ally 's Live Chat. Thanks for joining us! A Customer Care Associate will be with you as soon as possible. If youve tried to reach us lately, youve probably found our lines to be longer than usual. Were sorry for the inconvenience, and were working on it.
Chat Log : You are number 1 in the queue. Thank you for waiting.
Info : We'll be right with you. Thanks for your patience! You are number 1 in the queue. Thank you for waiting.
Info : We'll be right with you. Thanks for your patience! You are number 1 in the queue. Thank you for waiting.
Info : We'll be right with you. Thanks for your patience! You are number 1 in the queue. Thank you for waiting.
Info : You are now chatting with 'XXXX ' XXXX : Hello, this is XXXX from XXXX . Thank you very much for waiting, I greatly appreciate your patience today. We are currently experiencing higher chat volumes than normal, and I am terribly sorry for the delay this has caused. How may I assist you today?
XXXX : Im trying to buy a phone online and the person wants to send the iphone as delivery. If i send the money through XXXX and he doesn't send the iphone, do i get my money back?
XXXX : protection using XXXX on Ally.
XXXX : I can certainly look into this for you, XXXX. XXXX I have XXXX-5 minutes?
XXXX : yes XXXX : Thank you for waiting. I'll be with you in just a moment.
XXXX : ok XXXX : I'll be right with you.
XXXX : ok XXXX : Thank you for your patience. You would be able to dispute the XXXX transaction in this case, yes.
XXXX : The transaction would then be investigated by our disputes team, who would work on having the funds returned to you once it is determined that you did not receive the merchandise.
Info : The chat transcript will be sent to : XXXX at the end of your chat.
XXXX : Was there anything else I could assist you with today?
XXXX : I have not heard from you for a few moments. Are you still with me?
XXXX : Im sorry that we're not able to continue our conversation. Since I have not heard from you for some time, I am going to close this chat. If you need any help in the future, please do not hesitate to contact us XXXX via chat, email, or by calling XXXX ( XXXX ).
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| 01/03/2018 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Older American |
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I thought my CD 's were listed in maturity order on the bank 's website. Based on that, on XX/XX/XXXX I instructed bank to take action ( done on internet ). 15 minutes later I discovered the CD 's were not listed in that order, so I IMMEDIATELY called to void those instructions.
I was advised ( on XX/XX/XXXX - same day ) there was a 25 minute wait to speak to someone. I waited 30 minutes and the recording still said there was a 30 minute wait. I tried to call again about 2 hours later but had the same results ( I had waited 25 minutes ). So I attempted to use the " chat '' feature on the website to reach someone - but a note popped up saying that the ''chat '' feature was not available.
So I sent them an e-mail ( do not have copy of this ) - Received a receipt of my e-mail from the bank on XX/XX/XXXX, which basically said they received my e-mail and would reply within 24 hours.
On XX/XX/XXXX I went through a similar procedure- knowing that I had to act before XX/XX/XXXX to get the action I wanted. This time themessage said that the wait was 65 minutes. I again sent an e-mail using their website to communicate. I also called again on XX/XX/XXXX at XXXX on XX/XX/XXXX ( they claim they are open XX/XX/XXXX ) with same wait time ... so I e-mailed them again.
On XX/XX/XXXX, I called at XXXX XXXX and again at XXXX XXXX with the same results.
Finally reached them on XX/XX/XXXX. spoke to XXXX XXXX. She claimed they had call center go down. She ( and subsequently a supervisor, XXXX XXXX, refused to take any action on my behalf because the time to get the action I wanted had expired. I told them that it was their fault I could not reach them in time. But they refused to do anything to help me. I asked for the phone number of their executive office and they refused to give that to me - only a PO Box to write to.
My complaint is that where a bank is only accessible on the internet there must be a manner for customers to reach them on an emergency basis. If I were desperately in need of withdrawing money, I would have no way to do it. Such a situation is unconscionable and whatever laws, rules or regulagtions exist must be amended to protect depositors. By electing to do business solely on the internet HAS to make them have a manner of reaching someone immediately. In addition, depositors should not be penalized by the failure of the bank 's system and their unwillingness to compensate for problems they al ; one create. The bank should have to prolong offers for the length of depositors ' inability to reach someone and act on bank offers.
The net result is that I lost at least .45 % on my funds for 12 months. I want the bank to make good on the rates they offered between XX/XX/XXXX and XX/XX/XXXX. I want my CD # XXXXterminated and the balance, less the penalty put into their one year CD at 2 %.
I want them to establish an emergency phone number to be used when their main numb er is swamped or I want them to be responsible to immediately switch a sufficient number of people to their other call centers so this can not happen. They chose to opeerate only on line so they must protect against these situations.
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| 11/23/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- High-pressure sales tactics
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Web |
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On Monday XX/XX/XXXX I went to XXXX XXXX XXXX XXXX XXXX car dealership to look at XXXX. At XXXX I test drove a XXXX XXXX and returned to the dealership at XXXX. Upon returning I spoke with XXXX XXXX ( XXXX salesman ) and he invited me inside to talk about the XXXX. At this time we began negotating a price. This entire time I wanted to wait a night and sleep on the decision. He stated what price can I give you to get you to take the vehicle home tonight? I told him I wanted to sleep on it at least three times. He continued to make excuses and twist my arm until I finally gave in. At XXXX we signed a hand written note that stated the purchase price of {$31000.00}, he went away and returned at about XXXX, and wanted to add on an additional {$500.00}. I agreed and signed. He mentioned without seeing my vehicle I would only get a couple of XXXX dollars for my vehicle. Which is fine but I asked XXXX if there was anything I can do to get my payments down he had no answer. Upon leaving again and then returning at about XXXX we started the paperwork. This entire time I wanted to wait a night and sleep on the decision. The dealership closed at XXXX. We then rushed through the entire paperwork. I had questions in regards to the numbers but he would give me very short answers. I didn't understand the paperwork or the numbers. At an XXXX credit score why would I sign for a 5.94 % interest rate if I wasn't being pressured. I didn't understand the terms or what I was signing. I also said I didn't want a warranty when I spoke with XXXX. When we finished with the salesmans paperwork he introduced me to the Business Managers. When I was with him they tell me I agreed to the warranty and all the terms. This all happened so quickly I feel like I did something wrong. The business manager continued to ask me questions and stories about his dads vehicles in a attempt to keep me distracted. I didn't know what was going on. I then left the dealership around XXXX, which was 45 minutes after the dealership closed. I left the car on the lot overnight because I couldn't even get someone to pick my car up. This happened way too quickly and I felt pressured the entire time as he mentioned that the vehicle I was looking at is a hot vehicle and he didn't know how long it would be available. " Theres only 1 in the city of XXXX XXXX '' He couldn't even get one transfered from another dealership. On Thursday I called Ally bank, which is who the financing is through. I spoke with a person in customer service and they said they would remove the warranty. They said " the paperwork wasn't even in they system if that tells you about the dealership '' So Ally bank knows what's going on but refuses to take corrective action??!! I felt like I wasn't even able to comprehend what I was signing up for in such a short period of time. Now I regret getting the vehicle under the terms that I agreed to. Is there anything or anyone that can help. I reached out to XXXX and asked for all the paperwork that I signed and he said " we don't typically give out all the documents that you signed. '' This is extremely shady and it is 100 % predatory lending.
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| 11/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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In XXXX of 2022 I logged into my Ally auto account to make XXXX payments, the one that was 28 days late and the one that was due at the time. There was a message stating that Ally has a payment plan that might help. I opened the message, however not sure about it. I contacted Ally. I stated that I was about to make both payments, when I noticed the payment option. He said yes if I wanted that he could take the late payment and spread it out over the next several months and my next payments over the next several months would go up by a set amount to cover the payment that was late. I stated thats great and thank you, lets do it. After several months I noticed that I had XXXX total late payments and knew that was not correct. I looked at my payment history on Ally website as well as cross checked with my checking account to verify what I already knew. I then contacted Ally several times before I got a person that I could talk with. The Ally employee then told me that yes I made all the payments on time, however, due to accepting their payment plan the original payment was considered late each month until the total of the original payment was completed and that that amount of months was determined by the amount that Ally set as additional money to be applied to each month. The total amount of months equal to XXXX and during that time some were considered 30 days late and some were considered 60 days late. I explained first of all I was never informed that my credit would be ruined by excepting that payment plan and if I was I would have rejected it. I was on the website to pay both payments and was only deterred by the website offering payment plans that could help. I have XXXX vehicles financed through Ally and its very clear that other than a few payments during COVID everyone had been made on time and in fact they can clearly see that my only late payments were in fact during their payment plan that they offered me. The rest of the payment were all on time and in good standing with the exception of the few during Covid. I asked them if they would please remove the late payments that occurred during the payment plan only. They stated they would send in the question and mail me my results. I have not heard back and have not received a letter. I also files XXXX separate disputes with credit monitoring companies and they were both answered with the same thing. That is a ridiculous payment plan if it in fact causes all payments to be late and nobody would agree to that if fully and correctly informed. The only people that a payment plan like that helps is the company that provides loans, because they can charge higher rates based on a poor credit history. If those payments were removed as late my credit score would be well above XXXX and my rates would be much better. Its effecting my ability to receive good loan rate and gives the perception that Im unreliable as a customer. I just want the late payments changed to on time. I am in good standing with Ally on both auto loans and would just like to see some appreciation as a customer instead of of an, Im sorry theres nothing we can do.
Thanks.
|
| 04/02/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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Unconscionable leasing practices ; Unfair and deceptive trade practices ; Breach of Contract ; Violation ( s ) of the Consumer Leasing Act COMPLAINT 1. This is a complaint against Ally Financial Inc. and Ally Bank ( collectively, Ally ). Ally is one of the nations largest automobile financing companies, originating billions of dollars in automobile leases every year through its standardized lease contract, the SmartLease. Ally has made its SmartLease agreement available to thousands of dealerships nationwide.
2. Allys SmartLease has been the subject of numerous consumer complaints, including a recent near {$20.00} million settlement deal to resolve a class action lawsuit claiming that the company hit vehicle owners with hidden fees that were allegedly not listed in their lease-to-own agreements.
3. XXXX XXXX XXXX ( Consumer ) entered into a 42-month Ally SmartLease on XX/XX/XXXX with total base scheduled payments of {$45000.00}. The Consumer made every payment on time without incident.
4. The SmartLease included a {$1100.00} refundable security deposit.
5. The SmartLease ended on XX/XX/XXXX.
The SmartLease was extended for one month. The payment under the SmartLease extension was made on XX/XX/XXXX via XXXX XXXX for {$1000.00}.
6. The leased vehicle was returned on XX/XX/XXXX to the following Ally location : XXXX of XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX. There was no excess wear and tear or visible damage. The vehicle was functional with no indicators or warning lights displayed. ( Photos of vehicle at Ally return location are available upon request ) Note : The Ally location is under major construction. The dealer drove the vehicle to a parking garage and stored it in an uncovered spot in the garage ; exposed to the elements.
7. At the return of the vehicle the Consumer provided written notification of the lease return, made a written request for Ally to advise of timing to inspect and close out the lease. ( See emails to Ally - CASE : # XXXX, FIRST REQUEST XX/XX/XXXX, SECOND REQUEST XX/XX/XXXX ) 8. After returning the vehicle, the Consumer was not advised by Ally either of the timing of the inspection of the vehicle.
9. The vehicle was not inspected at the location where the vehicle was turned in. The vehicle was instead transported and subject to a 3rd party inspector at another location.
10. After the date the vehicle was returned, the Consumer made numerous phone calls and two written request to Ally but received no correspondence from Ally for over 45 days.
11. The Consumer finally received correspondence from Ally, in the form of an itemized bill, alleging excess wear during the week of XX/XX/XXXX -- over 45 days after the date the vehicle was returned.
12. The itemized excess wear and damage bill didnt include a notice of the Consumers right to an inspection of the vehicle or any other process if the Consumer disagreed with the bill.
13. The Consumer was denied reasonable access to the vehicle for an additional appraisal/inspection. However, the following week after Ally sent the bill to the Consumer, Ally sold the Vehicle sold at auction on XX/XX/XXXX.
|
| 04/05/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
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Web |
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I was late on 1 payment. I made the payment .Ally came and took the car I stated I was up to date the payment was made .The driver said when Ally sent him the payment was still due. The driver removed the car. I was then told it was at a locacation where Id have to come up with monies to get the car. So now I was paid up but had to pay money to get the car back that was paid up. I was trying to contact family to help financially since I was on soc sec ) and lost that due to household income which was why I was struggling financially. I would also have to take a bus which was over an hour or so away to the location. ( A XXXX XXXX ) this was in the country. I was told they wouldnt remove the car to another destination. I told them my husband and I got the help and were coming for the car. The lot which Ally had the car put in told me the car was no longer there and sent to another destination further away .I was trying to find the location of the car .Now Id have to take a trip to retrieve the car and find out where it was. They told me the car was going to Auction. The car was XXXX XXXX which was a rip-off deal I was told I could refinance through Ally from the car dealership XXXX in XXXX which was a lie XXXX also took my XXXX only gave me XXXX on it on the paper work and the XXXX disappeared with them not having the title yet. Note I was alone on the car endeavor. My son could not believe what he was hearing! I paid XXXX off on the car when it was ( stolen ) removed .Ally auctioned it for XXXX or so .so it was a year or so old with XXXX XXXX miles and they sold it for XXXX XXXX?? Today years later I got a call they want XXXX or so more. More money because years went by. I still have a key the book and the business deal I was so ripped off and was monotonous given a discount or incentives the paper work was written and the rewritten I was so confused .I put the car back on the lot at XXXX and wanted my XXXX back which I still had the title for to no avail. I need a lawyer. Id like the XXXX I payed into the car. The car was a dangerous unstable car. It shook in the wind ion the highway and the windows whistled. What a nightmare. I feel Ally literally stole the car. I was caught up on my payments when the car was removed!! The driver said Im doing what Ally told me. I complained to Ally about the car the payments and the sale. I was also to I could refinance through Ally who stated they dont due refinance. Why didnt Ally sell the car for what was owed instead of XXXX and change?? I could have sold it for more and paid off the loan. They hooked it to the tow truck and was pulling it on the rear tires. I would not trust the frame after that. They did not put in on the flatbed. ( There was a larger car on that. I need help with this case. Their still hounding me my reputation is damaged. Please can someone get me a lawyer or justice for this case Ally is still sueing me. Years later and the cost is piling up. Im on soc sec again. I dont have the knowledge or money to even start to try to find a lawyer who would take this case planet XXXX XXXX XXXX ny and Ally Financial vs Me. Please help!
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| 09/27/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
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On XXXX I was trying to make sure my contact channels for XXXX was correct so I could begin using it again. I have not used it for over a year.
When I did use it, I would only use it to send occasionally to send money to a friend or transfer money between my accounts. I wanted to start using XXXX again because Im opening another bank account. When I try to make sure it was registered, it did not work and I called the bank and they could not tell me what the issue was. They said they were going to open a case for someone to look into it and contact me. They said it would be three business days. The next day I tried to do an external transfer but Ally wouldnt allow me to link another bank that way either. I chatted with someone who told me that this is relating to my XXXX issue and its still being looked into. They still could not provide me with any information. Yesterday at around XXXX XXXX I received a missed call no voicemail was left so I googled the number and it said it was Ally bank. I called Ally Bank and the guy told me that he did not see a missed call and he didnt have any updates on my case. He was continuing to look at my account & the call disconnected. I didnt know what happened but he told me that there was no updates, so I did not feel a need to call back. About XXXX minutes later, I received an email stating that there was suspicious activity detected on my account today. I immediately called back and asked for a supervisor and the agent that I reached told me that I could not speak with one. They said there was none available. She did allow me to leave a voicemail though. I expressed that I was very frustrated with the experience that I have been having the past few days. No one has been able to give me any information. The agent proceeded to ask several security questions, and the last few asked if I ever filed a XXXX dispute, or if anyone ever filed one against me? I said no And the agent still said she could not give me any more information and she will forward my answers to the investigation team. I left a voicemail for a supervisor but I am very upset by this whole interaction and I want my issue resolved as soon as possible. It is scary as a consumer, to be asked these types of questions, and then be locked out of all your money.
I Received an email this morning, stating that someone reset my pin and the customer service representative I spoke with said they could not see what this would be.
Today was my eighth call Ive made to Ally since Saturday. The last few calls the agents are very rude to me and XXXX person named XXXX ended up hanging up the phone on me. I asked for his XXXX and he said his managers name is chance, and he refused to speak with me. I called back and spoke with XXXX and she told me there is no timeframe she can give me on when I will have access to my accounts again. This is not a reasonable request. I asked her if it could be a month without access to my accounts and she told me she could not tell me that. I am not being treated fairly. Please help me because when I call, they are brushing me off and not rectifying my issue.
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| 01/26/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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My Ally bank account keeps getting hacked, which has resulted in my account balance being unusable. The bank has failed to investigate this, so I don't know how to protect accounts at other companies or how to protect my Ally bank account.
This all started with a new debit card, which was stolen from my mailbox. Someone spent a total of about {$2500.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I noticed the fraud on XX/XX/XXXX and reported it to ally bank. They cancelled the stolen card, and the charges were refunded.
On XX/XX/XXXX at about XXXX XXXX, I got an email from Ally saying that a customer service representative had helped me log into my account. That wasn't me. Then I got emails saying I changed my password, email, phone number, etc. I called Ally and was on hold for XXXX XXXX XXXX. I hung up and called again and finally got someone who was able to give me access to my account. The attacker had setup XXXX and was getting ready to send the money out of my account. The customer support agent didn't know how to reverse the changes, I manually reversed what I could, and then I had them freeze the account. I believe they chose not to start an investigation at this time.
On XX/XX/XXXX, I called and had them unfreeze the account so I could pay my credit card bill. I also sent them a message asking for an investigation into the account takeover since I hadn't heard anything from them.
On XX/XX/XXXX at around XXXX XXXX, I received an email saying Ally customer support had given someone access to my account, again. And then they changed the username, password, phone number, etc. I called immediately. The customer support agent, named XXXX, said they had just talked to me- but that wasn't me, it was the attacker. XXXX did not ask me security questions- they were clearly very poorly trained. They just reset my username and password when I asked. They did not seem to understand the situation. They kept asking me if I was done. I had to ask them to go through and reset everything. Then I asked for their supervisor, they muted me for about XXXX minutes. I asked again for their supervisor, finally they put me through.
The supervisor, XXXX, reviewed the situation and opened a case to investigate the agent who did not ask me security questions. Then they added a lock to my account, with a passcode, so it should be impossible for the attacker to get access. Then they opened a fraud investigation. She gave me a ticket number for my interaction with her, which was XXXX. She said I will hear from the back office fraud department within XXXX business days, and to call again if I don't hear anything on Wednesday.
On XX/XX/XXXX, I still had not heard anything despite Ally twice promising they would investigate the fraud. I still don't have access to my funds, about $ XXXX. I called customer support. The agents transferred me to the wrong department or hung up on me XXXX times in a row. Finally, I reached someone who did not hang up, and they said the investigation hasn't started yet, and will take another XXXX business days, and I can call again if it still hasn't started.
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| 01/06/2024 |
Yes |
- Credit card
- Store credit card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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Web |
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In the XXXX XXXX I was looking to get XXXX XXXX XXXX. I went to XXXX XXXX in XXXX Arizona to inquire about this treatment. They told me to get the XXXX XXXX I had to do a XXXX consultation on XXXX. They gave me the phone number. I called and there was a lady on the call that told me to get a consultation I needed to fill out forms. I filled out the forms ( which I don't remember ), they asked me questions about my address and at that time she told me I needed to fill out my social security. The only thing I remember is that the lady next said I was approved to get XXXX XXXX
I went in to go get my XXXX XXXX ( to the facility at XXXX XXXX ) and I said do I pay here? They told me no, you pay through Alley through a link.
From there I didn't understand how and what was happening. I got a link and it told me I needed to pay monthly instead of for every service I was receiving which is what I told them I wanted. After learning more about it and doing research I realized they signed me up for a monthly service payment plan. I couldn't even go in for monthly services because the treatment I was getting was only able to be done every 6 weeks. So I was asked to pay for something I was not receiving. I don't have a job or a reliable source of income and they signed me up to make payments for a plan of over {$4000.00}. I never agreed or would have agreed to sign up for something so egregious. The lady was very pushy on the phone saying that if I did not agree to this today I could not go in for a treatment in the next week. I don't even know what I agreed to until I got a bill saying I was in a contract.
I called about 5 months later after talking to my parents and only receiving 2 treatments. They told me to call and cancel the service and when I called they told me that XXXXXXXX XXXX they told me I needed call Alley because they go through a separate company. When I called Alley they told me no I could not cancel. They said they would stop charging me interest ( which I had no idea about ). I have struggled to come up with the money to pay this {$2300.00} off. I call them and they ( Alley Lending ) are constantly charging me late fees after 1 year later they are not telling me accurate information. I know their calls are recorded and after my last payment in XXXX of XXXX- where my mom called and paid it off, I told them " this is my last payment please confirm that '', which the representative did. Then in XXXX they sent me another letter with another payment due of {$130.00}.
One time I went in for a treatment and they said I filed a dispute and they couldn't give me a treatment until I removed the dispute. I called to ask them to cancel whatever they signed me up for and to allow me to get services for what I had paid for.
This is a company that took advantage of a ignorant XXXX XXXX who had no job and source of income. They signed me up for something I could not agreed to pay for and did so in a secretive way. They did not tell me I would have to make payments monthly for services I never received. I wanted to pay for services I received at the time I received them.
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| 10/28/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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Bought my car about 14 months ago. Was told my payments were going to be 360 and some odd cents through my local dealership. Anyways have been paying that every month. Was late a couple times due to some hardship but just four days ago my car got repossessed out of my driveway. I knew I had been making payments every month so I was confused and upset. My husband and I called ally bank the next day they told us that my payments were actually XXXX and because I " neglected '' to pay the remaining XXXX dollars on my monthly payments each month that they charged me an addition late fee of XXXX dollars or so every month I did n't make the " full payment ''. So because I had over XXXX dollars racked up in late charges they towed my car. Angry and upset I bit the bullet to pay it because I love and need my car. And clearly it was a huge miscommunication on my dealerships end verses us. Anyways regardless they should of tried to contact and let me know at least hey ur payment is n't XXXX it 's actually XXXX would of been nice instead of racking up late charges I did n't even know I had. So this was on XX/XX/XXXX my car got taken we call the next day they say we have XXXX days to make a payment or else they will take my care to an auto auction. I told them I needed a couple days to round up the XXXX ( mind you this is also the towing fees included in this too ) to pay them because it was basically going to take everything but I need my car so what can you do. I was trying everything in my power to not get my car sent to auto auction lot so I told them on the XXXX I 'd call back in a day or two to make the payment. Today is XX/XX/XXXX so two days on the dot I called to pay got the payment through only to find out they had moved my car to an auto auction lot and I now have to drive 6 hours away instead of 3 to go get my car. I was furious demanded to speak to manager kept getting transferrd here and every and everybody told me the same thing it was moved to the auto auction lot for ( storage ) purposes. And at any given point and time without payment they can move my car wherever they want. I told them look I have like no money left after my husband and I got paid I ca n't afford to drive 6 hours away just to get my car all because you got antsy and was hoping I would n't pay it. And now that I have paid it they 're rude to me and wo n't take my car back to the original lot. After I was on the phone for over and hour in escalations department they hung up on me because I caught them in so many lies it was n't even funny. I said I feel I should have to pay for these fees at all but I am anyways the least you could do is move it back to help me out a little bit but they did n't care. Told me it was too bad and if I want it towed back to original lot I can pay for it. Otherwise I just need to drive and get it cause I failed to pay before they decided to move it. So will never deal with them again and I hope they go out of business and every person working for them becomes unemployed because they are so disrespectful and unwilling to help when it was all over a HUGE miscommunication
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| 03/27/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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I had a early Auto return of my lease which was expected to end in XX/XX/XXXX.
In early XX/XX/XXXX I contacted the Ally Financial Rep and discussed about the early return process of my leased vehicle.
They instructed that I had a lease buyout payoff balance of {$2200.00} if I pay off by XX/XX/XXXX but was told that I will be getting a final bill of the lease buyout balance so I can pay that bill and not the upcoming payment.
My auto lease payments were automatically recurring for {$450.00} every month and was deducted on the XXXX of every month, but the Ally Rep discontinued my auto pay after I told him that I will be returning the vehicle to the dealer to process the Early Lease Vehicle Return buyout process.
At that point I was told I did not have to continue with the Auto recurring payment since I will be getting a final bill that I can pay off the balance for which was expected within a month or two of processing time ( Expected latest XXXX ).
I returned the vehicle to XXXX at XXXX of XXXX on XX/XX/XXXX and the lease return was processed by XXXX XXXX ( extension XXXX ) thus did not have my vehicle in possession since XX/XX/XXXX, expecting a final bill from Ally ( latest XX/XX/XXXX ), but instead my account was taken to Collections.
I called Ally numerous times to ask about the final bill however they could not help with the process because all they can say was that it was pending and was eventually investigated that the Dealer did not perform their end of the work to submit the return back in XX/XX/XXXX when I returned it, but rather it was processed in XX/XX/XXXX. At that time, just to keep them from further hurting my credit, I gave in to pay {$1200.00} balance on XX/XX/XXXX despite receiving the final bill.
By that time, my account was sent to Collections because I got instructed a ill-advised instruction to wait for the final payoff invoice from the Ally Representative and also the Dealer ( XXXX XXXX ) not performing their job to process the Lease Return back in XX/XX/XXXX.
I finally got the final pay off balance bill in XX/XX/XXXX and paid off the final balance of {$730.00} on XX/XX/XXXX, however the lousy work ability of the Dealer and the ill-trained bad information of the Ally Rep from XXXX during my lease return delayed the return process further preventing Ally to formulate the final bill for my final payment in XXXX rather than XXXX.
I have attempted 3 times with Ally to help correct this unique situation of inaccurate late payment and that the discontinuation of recurring auto payment was discontinued by the ally Rep who gave inaccurate information about the lease return payment expectations and process, however Ally did not own up to their bad information.
My credit is damaged from XXXX to XXXX and this is causing problems.
Please help recover this bad situation so that Ally can own up to their own bad training and ill-advised information, especially now that they have no reason to deny that I owe them since all balances were fully paid off due to their own delay mismanagement of a simple Early Lease Return on XX/XX/XXXX.
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| 08/02/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX XXXX XXXXXXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX : XXXX Fair Debt Collection Practices Act : XXXX XXXX XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : ALLY FINANCIAL XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
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| 02/28/2017 |
Yes |
- Consumer Loan
- Vehicle lease
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- Managing the loan or lease
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Web |
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I leased a XXXX with Ally up until XX/XX/2016. After returning the vehicle in 'mint condition ' ( according to the dealership which inspected my vehicle before the lease ended to check if they wanted to buy it in order to get me a great deal on a new car, but it was going to be too expensive for them since it was in great shape ) I received notifications from Ally that I owe them {$650.00} for 3 (! ) new tires because they were run down. This claim came as a big surprise to us since I personally measured the tire thread with the provided tool before lease end to make sure we wo n't get billed afterwards ( after all it would have not been that expensive to replace worn down tires with some that would have passed the inspection if this would have been the case! ). So after offering an independent inspection which they turned down because they claimed that they had already sold the car at auction I requested the proof that they actually had to put 3 new tires on that car before they sold it which of course I never received! They kept referring me to the pictures of their inspector ( which could have been from any vehicle since they only showed close-up frames ) which I refused to accept since and I never had even one of the tires renewed, so this must have clearly been a mix-up or intentional fraud ( they also included a minor damage in the windshield which was covered but I do not recall wholes in the windshield at all! ). Turns out all my pleas were a waste of time! After spending hours on the phone with them I finally sent a letter to them including my dispute in XX/XX/XXXX. After still only receiving account payment reminders I went back on the phone and then they told me that that was an informal dispute which was turned down internally ( which they never notified me about! ) and that I have to mail a formal dispute if I still disagree with the charges, so I did that ( this time via certified mail! ) on XX/XX/XXXX. After still only receiving account notifications I yet again went back on the phone in XX/XX/XXXX and was told they never received my letter! Of course I told them I have the receipt of the certified mail and that is says that it was delivered just fine but all they did was to tell me that I should send an email. So I did that on XX/XX/XXXX and again on XX/XX/XXXX but the only thing I am still receiving is 'urgent account reminders ' ... This is a which hunt - I am shocked that a company like Ally can pull something like this off without acknowledging my concerns one single time in almost 6 months now ... That being said this is a matter of business ethics - it 's a fraud that leaves me as the consumer powerless. Not once have they acknowledged the problem or tried to work with me. I only keep hearing back from them with regards to the unpaid balance and that they are willing to work with me in paying the 'owed amount ' off. If I had the option to make this go away today by donating this bogus amount to my local XXXX I would n't hesitate for a second, but I refuse to be a victim of a fraud like this ... Please advise and help!!! Thank you!!
|
| 08/03/2017 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
Servicemember |
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In XX/XX/XXXX, a repossession agent of XXXX, MO contacted us regarding a XXXX XXXX XXXX that was financed by Ally Financial in my name on XX/XX/XXXX advising that I was to leave the vehicle at XXXX XXXX XXXX in XXXX XXXX, MO, that it would be checked in to the auction and that Ally Financial would notify me in writing of the redemption/notice of right to cure. Creditor failed to send proper notice of sale or my right to redeem.
The said vehicle was then towed by XXXX XXXX XXXX of XXXX XXXX, MO in XX/XX/XXXX under the request of XXXX XXXX XXXX. Ally Financial received certified mail on approximately XX/XX/XXXX ; failed to send notice of right to cure or redemption.
Ally Financial called XXXX XXXX onXX/XX/XXXX & XX/XX/XXXXwanting to charges according to the owner but never came to pick up the said vehicle. Again, failed to send notice of right to cure or redemption process.
Said vehicle was then sold at a private auction in XX/XX/XXXX by XXXX XXXX.
After said vehicle was sold, Ally Financial failed to send the required deficiency notice, stating the amount that the lender had credited me from the resale as well as a cancellation notice of the original sales contract.
After many attempts to reach Ally Financial, only to be shuffled around and not provided any documentation, I started receiving notices from XXXX XXXX XXXX XXXX. I had my wife call to see what was the account for and she was not only advised that if she did n't set up a payment plan on my behalf, they were going to not only sue me but my wife as well. Said vehicle was financed only in name before our marriage. As well as placing a garnishment on our wages and a lien against our taxes. She gave them banking information but advised that I would have to approve since the debt was not her name. My wife was advised that she was liable to the debt because we are married.
Again, did not receive any notice of right to cure or the deficiency notice.
On XX/XX/XXXX, I sent a formal letter disputing the debt under the laws of Missouri and UCC 9.506 as well as State RISA and MVISA statues, a deficiency can not claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to.
On XX/XX/XXXX, I received a letter from Ally Financial that the repossession was in accordance with all state and federal laws. Letter states that I abandoned vehicle which is inaccurate due to their repossession agent out of XXXX, MO stated the location of where to leave the vehicle. Letter also states that it was referred to an outside collection agency, XXXX XXXX XXXX ( " XXXX '' ) which is not the collection agency sending the correspondence.of money due. I believe that I have been given the runaround on the debt, lender did not follow UCC 9-506, UCC 9-611, & UCC 9-612. Ally Financial also failed to provide and comply within 15 days of receipt of certified mail notice, received onXX/XX/XXXX, the alleged claim of a deficiency would be considered null and void.
Please note : the owner of XXXX XXXX is XXXX XXXX which is included in attached documents
|
| 03/03/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Funds not received from closed account
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Web |
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I opened a savings & checking account at Ally Bank on XX/XX/XXXX. I requested that Ally Bank transfer funds from my XXXX XXXX checking account to my new Ally Bank savings account ( {$40000.00} ) and checking acct ( {$15000.00} ). This money was still in my XXXX XXXX ( formerly XXXX XXXX, they merged together in XXXX ) account on XX/XX/XXXX when I received an email from Ally Bank stating " Your telephone banking PIN has been changed. If you didn't make this change, call us immediately. '' I called them immediately and was told their system had detected suspicious activity in my accounts so they'd closed them. I confirmed that my XXXXXXXX XXXX acct information ( my routing and acct number ) was still accurate. I said I'd checked my XXXX account and no funds had transferred to Ally and I wanted to make sure the transfers were cancelled. Ally Bank assured me that my money ( $ XXXX & {$15000.00} ) from XXXX would not be transferred to Ally. I found out this was not true on XX/XX/XXXX. Ally Bank had transferred both the {$40000.00} and {$15000.00} from my XXXX checking acct on XX/XX/XXXX. I called Ally Bank & they told me that the transfers would hit their system and since my Ally accounts were closed, their system would kick back my money to my XXXX acct. I just needed to wait 3-5 business days. I waited & called Ally Bank on XX/XX/XXXX and informed them that my funds had not been returned to my XXXX acct. They said they would reopen my case and send a form to XXXX XXXX to fill out & when XXXX sent it back to Ally, they'd then release my funds to XXXX. On XX/XX/XXXX I spoke with XXXX and they have not received any requests from Ally Bank. I called Ally Bank and told them this, I asked to speak to a manager, they said their policy is to email a manager and the manager should get back with me within 24-48 hrs. This is a very condensed version of my experience. Throughout this ordeal Ally Bank has been unusually unhelpful and evasive. They tried many times to say Id have to file a dispute with XXXXXXXX XXXX, but I can not do this since I preauthorized the transactions through Ally Bank to transfer the funds. Ally Bank will not give me a direct phone number to someone on my case & I continuously have to go through lower level employees, explaining everything anew each time. Also, it's hard to get through to anyone at Ally Bank, I've been put on hold for extremely long waits. I've made numerous calls to both Ally Bank and XXXX over the past several weeks in an attempt to have my funds returned to my XXXX XXXX account. Ally Bank has told me many things that have been untrue, and at this point I would like a federal agency to look into this issue. Bottom line is Ally Bank pulled my funds from my XXXXXXXX XXXX account after they closed my Ally accounts and have not returned my money. I've since found many similar complaints about Ally Bank online. I've found that the XXXX gives them a XXXX rating, states Ally is not accredited, they also show many complaints toward them. Getting Ally Bank to help me has been like pulling teeth and so far is without results.
|
| 10/16/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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Purchased a XXXX XXXX XXXX in XXXX of XX/XX/XXXX. My first payment to Ally Financial was {$300.00}. I subsequently made a lump sum payment of {$5000.00} in XX/XX/XXXX which they labeled a payment reversal which I intended to be a " principal payment '' on the loan. They applied this amount to the unpaid balance instead of the principal. My next monthly payment went up to {$310.00} after that for some reason. I never really noticed it until later on in the year that this was happening. Then, starting in XX/XX/XXXXmy payment amount suddenly went down to around {$280.00} a month but the actual amount taken from my checking account was {$350.00}. Again, i never noticed this and did n't ask any questions until i logged in to see what the interest rate was and to possibly refinance this loan with another institution. I started receiving statements that my next payment was {$270.00} and it was n't due untilXX/XX/XXXX. I had been paying {$350.00} for 3 years and had never been billed the {$270.00} as my statement read. Called them and they stated that I was paid up till next XXXX because I was overcharged every payment and, in reality was paying ahead. I never authorized this. I should 've been paying {$270.00} all along. i think my payments actually went up when I made the lump sum payment back when I first bought the car. With me being paid up untilXX/XX/XXXX I figured I would n't need to worry about the loan again until the next payment was due on the date I just indicated. I called to get the payyoff quote and I asked to make sure that I was n't paying finances charges every month until my next scheduled payment in XXXX XXXX. The lady stated that I WOULD be charged finance charges every month up until my next payment and she even quoted me the amount. How outrageous is this. I 'm being charged finance charges again on the amounts i paid up until XXXX XXXX again? I got fed up with them and requested the payoff and that I was going to have another financial institution pay off the loan but I needed ( according the other Financial Institution ) that I needed a document, with Ally 's Letterhead quoting the payoff amount ) She gave me the payoff amount and I gave a fax number where it could be sent. It 's been over a week and have n't received the letter and ( after what I 've been reading in the BBB complaints ) do n't expect to see this payoff document. I 've read some nightmare complaints with the BBB over these people and I can relate to their situation ( s ). I really do n't know whether to wait until my next payment date (XX/XX/XXXX ) and take my chances with the fraudulent finance charges or just pay the loan off today. I would have to come up with the money myself since the Finance Co. I checked into would not approve a loan without the official document from Ally. Note : I have been making monthly payments of {$350.00} since the inception of the loan and my statement clearly shows the monthly amount to be {$280.00}. Hopefully all of this makes some sense. I 'm at odds and have no where to turn. Thank you for the opportunity to submit this complaint.
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| 04/27/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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Good Morning, In XXXX XXXX I reported to ALLY financial that I was filing for Chapter XXXX Bankruptcy. I provided them the name of my attorney and paid the attorney for bankruptcy. The attorney and I met and there was needed documents ( Taxes, Income Statements from my divorce ).
In short the bankruptcy was delayed. ALLY then tried to take advantage of this window and turned over the collection of this debt to a third party. ( XXXX ) XXXX XXXX XXXX. XXXX knowing the they had a small wind to recover the XXXX employed tactics that frankly I have never heard of in 46 years of existence. First, Somehow they got my sister address. They showed up in the middle of the night at my sisters residence and demanded that she produce the XXXX. Mind you my sister had no idea what we they were talking about as at this time she was unaware that her brother had to file bankruptcy. When she ignored their written demands, they peppered her and her neighbors yard with red and white flyers that read " XXXX case number XXXX '' they hand wrote comments on the flyers saying " WE NEED YOUR XXXX '' " Why wo n't you call '' ETC ETC. The problem is that my sister had no knowledge of my bankruptcy filing. Shortly thereafter, I contacted a local attorney XXXX XXXX XXXX for assistance.
After intentionally committing third party disclosure under the Fair Debt Collection practices act, They then received a call from me telling them that the debt was being filed in bankruptcy court. They stated to me that until the court accepted the case, they could use whatever measure needed to recover the car. I told them that was fine but they were not to harass my family. I must say they heeded this advise and to date have not contacted my sister nor Parked there tow truck behind her vehicle or called upon her neighbors again. Instead ... ..
Somehow, the got the address of an old girlfriend. On XXXX XXXX XXXX they showed up at her home and threw red and white flyers all over her driveway. It being a windy morning many of these flyers ended up in yards throughout the neighborhood. These flyers stated " XXXX XXXX UNDERLINE BIG BOLD PRINT " XXXX XXXX XXXX XXXX NEED XXXX '' PHONE NUMBER XXXX NO NAME ATTACHED.
Needless to say, this was the straw that broke the back. I received a call from my old girl friend. She was not happy. She gave me the phone number to all of her neighbors that she knew and asked me to call them all to explain to them that she is not in debt to anyone. She further requested that I come and clean her yard of all of the flyers as she has a XXXX and is unable to do so herself.
I beg the Consumer Financial Protection Bureau to stop the people from employing these deplorable tactics. They know what they are doing! If you google them you see their reviews are full of similar tactics and frankly they have gone unchecked by anyone and believe they can violate federal law at their leisure. I beg of you to require them to honor the law. I beg of you to insure they follow the law and further I beg of you to protect future consumes from their practices.
XXXX XXXX Ga XXXX
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| 06/03/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
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On XX/XX/2019 I used Ally.com secure email to submit a request for an official title to be used to register my car. I provided the form from CT DMV with all the details and address to send the official title.
On XX/XX/2019 I received a secure email with a non-certified photocopy of my title. So I emailed back that I needed them to send a certified copy to the DMV as originally requested. I provided the CT DMV form again at that time. I also called and asked to be connected to the Title Department and I spoke to XXXX who reviewed the record and said there was confusion as to a certified title and an official title. He agreed to send and official title overnight to me and he said I would receive a XXXX XXXX tracking number once this was complete.
On XX/XX/2019 I called Ally to inquire the status of my request. I was told there was no request on record so I made a verbal request and was told the title would be mailed and a copy would be emailed via secure email.
On XX/XX/2019 I did not receive the copy so I emailed them again. They responded that they mailed a certified copy on XX/XX/2019 and again of XX/XX/2019. I replied that I had received neither but needed an official title mailed to the CT DMV. By the end of the day, I received nothing so emailed them again, reiterating that I need them to send the DMV the official title.
On XX/XX/2019 I had a call from my daughter who lives at my prior address saying that she received a photocopy of a certified title dated XX/XX/2019. This can not be used to register my car.
On XX/XX/2019 I received a secure email asking me to call Ally to discuss my complaint.
On XX/XX/2019 I called the number and reached customer service in the XXXX and was asked to provide my account number, address and last four of my Social Security number before they could transfer my cal the the Title Dept. I asked for a supervisor and spoke to XXXX who said the main office would not accept unverified calls. I told her I would provide my account number but not anything further and asked for her to provide me with a direct dial number for the title department. She left me on hold for an extended period of time before saying she was not allowed to provide me with that number. I attempted to find the number myself online and called the main number for the XXXX MN office, however, the phone only rang and rang and no one ever answered. I attempted to chat to get a phone number and received an auto-response that I was 9th in the queue. After getting 6 notifications that my call was important, I gave up waiting.
I sent another secure email asking them to phone me so we could discuss this and I am still waiting for a response.
As you can imagine, after two weeks of waiting, and numerous attempts to request it, I am anxious to receive my official title and register my car. I am frustrated that I can not get this company to provide this document as I requested. While they have sent photocopies to me and my daughter, they have not provided a single official document to me or the DMV so I am still unable to register my car.
|
| 02/25/2017 |
Yes |
- Bank account or service
- Other bank product/service
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- Account opening, closing, or management
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Web |
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My mother opened XXXX IRA accounts at Ally Bank in XXXX. I helped her complete and submit the paperwork to the bank at that time. The paperwork provided the names of the beneficiaries and the percentages due to each beneficiary upon death of my mother. My mother passed away on XXXX/XXXX/XXXX. Since early XXXX I have been struggling with Ally Bank to recognize me as the Executor of my mother 's estate and to speak with me about the balances in the accounts. Over the past 2 months, I have placed over 20 phone calls to the bank to resolve issues that they have created, including distributing an RMD to my deceased mother in XXXX of this year. Each issue until today has been frustrating but ultimately resolved. Today however, the issue is egregious because it has caused financial harm to me and it is the reason why I am filing this complaint.
Ally Bank informed me in XXXX that they would not transfer the proceeds of my mother 's IRA accounts until all paperwork was received by the beneficiaries. However, on XXXX XXXX, XXXX, they began to transfer the proceeds starting with my portion. On XXXX XXXX, they transferred another portion to XXXX of my siblings. The amounts that were transferred to each of us were different. When I calculated what should have been transferred based on the percentages my mother allocated in the documentation provided to Ally, I determined that calculations were incorrect. I called Ally Bank to ask them how they arrived at the figures that were distributed. The manager, XXXX XXXX, stated that the operations department decided on the amounts to distribute to me and my siblings because there were no instructions provided by my mother. He stated that the amounts in my mother 's accounts were divided by XXXX and we each received our portion.
My problem with this is three-fold. One, Ally Bank told me in XXXX that they would not transfer any proceeds to beneficiaries until all of the required paperwork from each beneficiary was received. Two, my mother provided specific percentages that each beneficiary was to receive, but the bank did not follow the explicit instructions provided by the account owner. Three, if the bank had indeed transferred the balance in XXXX equivalent portions, the amounts would have been the same, but they were not! In fact, the amounts that have been transferred so far are less than one-third of the balance that was in each of my mother 's accounts as of XXXX XXXX, XXXX!
This is a serious issue because I am personally entitled to 34 % of the balance in my mother 's accounts but I only received 33.04 %. XXXX of my siblings received 33.06 % and the balance left in the accounts represents 33.9 % of the total!! The difference between what I should have received and what I did receive is approximately {$2100.00}. I realize that this may seem like an insignificant amount, but the issue is n't the amount. The issue is that Ally Bank is not following its own internal procedures, is not following the instructions provided by account owners, and is transferring incorrect amounts to beneficiaries.
|
| 11/05/2015 |
Yes |
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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My father passed away in XXXX. He had an auto lease agreement with Ally Financial. We contacted Ally Financial to notify them of his death and get their guidance on what options we have to proceed. In conversations with Ally, they advised us to return the vehicle to the auto dealership. We asked about any financial liability to my father 's estate if we returned the vehicle. Ally advised us that we should not expect any financial liability upon return of the vehicle. They stated that they would sell the vehicle at auction. We expressed concern that they would not attempt to get fair market value and pass the cost on to us. They assured us that this would not occur and not to expect any further expense. With this understanding, we returned the vehicle as instructed. Less than a week after returning the vehicle, Ally send us a notice requesting payment of {$4900.00} having auctioned the vehicle in a closed auction to their business partner at a heavy discounted price. Less than a week after that they had already referred the matter to a collection agency ( XXXX XXXX XXXX ) who is attempting to collect this as a debt of my father 's estate. We do no think this debt is the responsibility of my father 's estate, since we did as they instructed and Ally provided mis information to us in the process before Ally made a poor business transaction upon which they had on interest in gaining good value. Their instructions and information precluded us from taking other options, such as transfering or continuing the lease that would have been more financially vialbe. We contacted Ally about this and they agreed that they should not have told us not to expect expense and that we were provided with bad information by Ally 's own customre service professionals. However, Ally told me that they sold the debt to XXXX XXXX ( a collection agency ) and now we have to deal with a collection agency moving forward. We think this is unfair to have been mislead by Ally, who immediately assigned their loss to my father 's estate without any agreement or dicussion and then proceeded to sell that debt to a collection agency before making any attempt to settle the matter with my father 's estate. Ally also confirmed that if they had sold the vehicle for a profit they would NOT have provided my father 's estate with the proceeds. Instead, they sell the vehicle and keep the profit if there is XXXX or attempt to pass the loss along to customers in a transcation that is not conducted in a fair manner attempting to get market value, but is rather under an agreement with their business partner ( auto dealership ) whom they have additional business arrangements. Then immediatley sell the debt ( missasigned to the estate ) to a collection agency to begin harrasing people. If there is to be a fee or penalty on the return of the leased vehicle, Ally should have made it clear what that is likely to be. Instead, they told us to return the vehicle and not expect any further expense despite our raising the concern of having any further expense before we return the vehicle.
|
| 11/24/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
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|
Web |
Older American |
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I had a lease with Ally Bank. XXXX XXXX of XXXX, XXXX sent me a notice that I could get my lease pulled forward 4 months and they would pay for it. I agreed to this arrangement. I then bought a car from them. Two weeks later I had {$270.00} taken from the account set up to pay the lease to Ally. I immediately called them and asked them to return the money to my account. They told me I would have to get my bank to send the proper paper work to have them return the money. I called my bank. They told me to have them put the money back. After an hour and a half of talking to both banks my bank said they were just screwing with me and to tell them to put the money back. I did so. They told me they were holding the money incase there was circumstances that warranted them using the money for damages. They told me the car was going to auction and they would get back to me.
I got a check from Ally for {$50.00}. I called to ask why I was getting this check. They told me it was an over charge from XXXX XXXX. About a week later I got a formal letter that said Account Settlement. Remaining Base Monthly Payment ( 5 @ {$270.00} ) Less - Unearned Rent Charge {$150.00}, Less- Surplus from Vehicle Sale {$0.00}, Net Remaining Base Monthly Payments {$1200.00}. Less - Net Remaining Base Monthly Payments {$120000.00}, Less - Excess Mileage/Excess Wear Charges {$210.00}, Less - Sales/Use Tax on Excess Mileage/Excess Wear Charges {$10.00}, Balanced Refunded {$50.00}. I had talked many different people at the bank. One said I would receive money back from the sale of the vehicle at auction. I would also get my {$270.00} back. I told them that they had done a poor job of getting the lease at XXXX miles where the seller of the vehicle knew the one to drive the vehicle had vision problems and would never use the vehicle for more than XXXX miles/year. I won the vehicle in a divorce settlement. I tried in the last year to drive the vehicle as many miles as a could. I went over XXXX miles in 9 months. 5 month pulled ahead and 2 months spent in XXXX not driving the vehicle. I was over XXXX miles under the XXXX lease miles. They told me that I had a scratch on the vehicle so they took {$21000.00}. I told them that I had returned the vehicle with no damage to XXXX. I also told them that I returned the vehicle with XXXX miles less on the engine, motors, paint, pumps, etc ... I told them I was getting a lawyer to settle the issue. The lawyer told me to call you because it would cost me way too much to use him. I would like to get the money back and money from the excess miles they charged me from XXXX to XXXX miles. One person in the bank talked to another person and told me I would get money also back from the auction. I know that that is not normal, but I have talked to XXXX people who have received money. I would be charged {$0.00} for every mile I would go over XXXX miles. I told them that I wanted {$0.00} for every mile I was under XXXX miles. Of course, they told me that that has never happened before. Is there anything that can be done in this matter?
|
| 02/15/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I opened a claim with with the CFPB ( XXXX ). Ally Bank indicated they would pay the {$500.00} bonus as a courtesy on or before XX/XX/XXXX, and this did not happen.
I am currently enrolled in a promotion from Ally Bank where I moved $ XXXX over and then was required to maintain that balance through XX/XX/XXXX in order to receive 1 % on my deposit with a maximum of {$500.00}. The account must be opened and be in good standing to receive it on or before XX/XX/XXXX. On XX/XX/XXXX, I initiated a transfer with XXXX XXXX for $ XXXX. This was a bank holiday, and no transactions were taking place. When I realized that I mistakenly setup the transfer to come out of my Ally Bank account that same day, I quickly called Ally to place an XXXX stop payment on that transaction. I spoke with a supervisor on XX/XX/XXXX in the early afternoon. The supervisor agreed to waive the stop payment fee since I hadn't had any previous fee waivers. He assured me that the $ XXXX XXXX stop payment was placed and that my Ally funds would remain intact. When I woke up on XX/XX/XXXX, I noticed that the $ XXXX ACH debit had posted to the account. I called Ally Bank and spoke to XXXX who also gave me a good customer service experience. She explained that the transaction hard posted and there was nothing she could do,. I asked he if she could speak directly with her XXXX department to find out what happened. That department didn't open until XXXX, but she offered to keep me on hold for XXXX minutes waiting for the department to open. She finally reached someone from that department who said the stop payment was placed before the transaction took place, but the person who entered the stop payment didn't code it correctly. As a result, the stop payment was not effective. She indicated in the notes on my account that this was a bank error. She said that sometimes there are several XXXX digit codes for XXXX institution. She offered to waive the stop payment fee, but I mentioned the supervisor who placed the stop payment took care of that in advance. I'm asking Ally Bank to pay my {$500.00} bonus. I did everything that I was supposed to do as a consumer to stop the transaction. I placed the stop payment on XX/XX/XXXX, and it hard posted to my account around XXXX on XX/XX/XXXX. I was also told that the colleagues in that department didn't come in until XXXX on XX/XX/XXXX, which means the stop payment wouldn't have been in place on time. Had this stop payment been accurately placed, my balance would have remained above the $ XXXX key level through XX/XX/XXXX, and I would have successfully achieved the bonus payout. I asked about moving funds back to Ally, but was told I would have to do it same day otherwise the balance would drop and the bonus would not trigger. Given that there are so many questions and already a critical mistake made, I was not confident my deposit would work. If I need to re-deposit monies through XX/XX/XXXX, I will do so. Please pay my bonus as I did what I was supposed to do as a responsible consumer. I've also been a customer since XXXX
|
| 12/12/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
|
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On XX/XX/23, Ally debited my external XXXX XXXX XXXX account for {$5400.00}, a transfer I requested from my Ally online account on XX/XX/23. The transfer was scheduled to arrive in my XXXX XXXX account on XX/XX/23 ( see attached screenshot ). On XX/XX/23, I received a phone call asking me to call in. When I did, I spent a collective 75 minutes on the phone - the majority on hold - over 3 phone calls because I was disconnected twice immediately after being transferred to a supervisor.
The phone call was to notify me that somewhere along the way, Ally misplaced my money. On my third phone call, with XXXX, I was told that the transfer had been reversed and would return to the XXXX XXXX account on XX/XX/23. As of today, it is not in my Ally savings account or my XXXX XXXX account.
I called in for a fourth time over the weekend, and a fifth time yesterday, XX/XX/23. Yesterday I spoke with XXXX, who told me that the " back office '' had sent an email to XXXX XXXX but wouldn't go so far as to call them. Apparently whoever she spoke to advised that I would need to call.
I have now spent approximately 2 hours on the phone with Ally dealing with their mistake.
I sent a secure message to Ally yesterday, XX/XX/23, advising them that I would not act as a go-between for two large multi-million-dollar banks.
I received the following message in response : " Upon review of the transfer, I am showing the funds were unable to be credited to the Ally account due to a suspension of your transfer profile. A reversal of the funds was then initiated. Unfortunately, the reversal of funds was unsuccessful. The fastest way for funds to be returned to the originating account is to file a dispute with XXXX XXXX Bank with the reason of Incomplete Transaction.
As requested, I have updated the request to initiate the funds return once more. The reference number for this request will remain XXXX. A request will be sent to XXXX XXXX XXXX to return the funds to the originating account. I do apologize, I am unable to provide a timeframe of when the funds will be returned to the originating bank as it is dependent on the originating institution responding to our request. '' Ally has not explained why my " transfer profile '' was suspended. According to my email notifications, it was suspended at XXXXXXXX XXXX on Thursday, XX/XX/23, and reinstated at XXXX XXXX on XX/XX/23.
Ally has not explained why the transfer failed other than that the transaction was incomplete. As the transaction was initiated at Ally, they need to resolve it. I would suggest they follow their own advice and file a dispute with XXXX XXXX XXXX. I would also suggest they make a phone call to XXXX XXXX rather than communicate via email.
Considering the amount of time I have spent on the phone with absolutely XXXX resolution and no responsibility taken by anyone at Ally, I do not expect the result to be any different if I call XXXX XXXX Ally as an organization has much more power and sway than I do as an individual customer with no insight into the transaction issues.
|
| 07/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
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In XXXX of XXXX, Ally Financial stopped reporting my decreased loan balance to the credit bureaus, so I called them and requested that my new monthly balance be updated. I called them every month from XX/XX/XXXX until XXXX of XXXX. Even when I had paid off my loan on XX/XX/XXXX, Ally Financial refused to update my information and report my account as being paid in full. They promised me they would make the necessary corrections but never did. It wasnt until XX/XX/XXXX, that I was alerted that Ally Financial closed my loan account and reported me as being over 60 days delinquent on payments. I checked my credit reports to find that Ally Financial had reported the months of XXXX, XXXX, and XXXX as paid. However, XXXX through XXXX were reported as no data. Meanwhile, XXXX and XXXX had been marked as delinquent. I immediately called Ally Financial frustrated because they promised that they would update my information but never did. Ally Financial was being deceitful, so I filed two disputes with three major credit bureaus ( i.e. XXXX, XXXX, and XXXX ). The first dispute that I filed was practically ignored because Ally Financial reported to the credit bureaus that nothing was wrong with my account ; so, everything stayed the same. Thats when I requested Ally Financial to send me the necessary documents that I needed to prove that I was correct and show that Ally Financial was falsifying my information. I included my documents as proof when I filed my second dispute. However, all three credit bureaus are still reporting various false information. The date that my loan was paid off is wrong, the months that my loan was being paid are incorrect, my account is still dated as being delinquent, the date of my first delinquency is reported as of XX/XX/XXXX, and my account status is still reported as not more than three payments past due. I was never late on a single payment. Ive requested for Ally Financial to correct everything and they havent. How can Ally still report that I made payments in XXXX and XXXX when my loan had already been paid off since XXXX? That has to be illegal. I believe they reported it like that on purpose, to make it seem like I was behind on payments for two months, and finally paid off the delinquent payments. We are now in XXXX, after eight long months of back and forth phone calls with Ally Financial, and three grueling months of filing credit disputes, I refuse to file a third dispute. The credit bureaus continue to report what Ally Financial says and refuse to make the corrections that I have sent proof of. Ally Financial has affected, and is still affecting, my credit score with their fraudulent activities. My credit score fell about 200 points! Im trying my best to get back to the initial score I had before the derogatory trades were reported in XXXX. However, its difficult to do so when negative information wont be removed from my file. I have done my part, without help from Ally Financial, and I am now at my wits ' end. Im hoping you can correct this for me and hold Ally Financial accountable.
|
| 03/20/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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I had a auto loan with Ally Financial. My vehicle was totaled. I contacted the lender and asked them if I still needed to make a payment, since my insurance was going to be paying off the loan. They advised a payment was due, but that we had until XX/XX/XXXX to process the payment and confirmed that I could make the payment as I had always done, online. Upon subsequent contact made to the lender, they still confirmed that a payment was required, but not one representative advised us that we would not be able to make the payment online. I As we checked the account waiting for the insurance payment to post, we were unable to even login to the service on XX/XX/XXXX and upon being able to log in successfully on XX/XX/XXXX, the vehicle was no longer showing on the online account. We did not know if we needed to make a payment and could not contact their customer service as they were closed that day. On XX/XX/XXXX I received notice by credit bureau alerting that Ally Financial was reporting my payment as late, that no payment was received between XX/XX/XXXX and XX/XX/XXXX. I contacted the lender and advised them of what I had been told and that the vehicle was no longer showing online. They then told me that once a vehicle is totaled that you are no longer able to make a payment online, as the account is closed. This information completely contradicted the information provided by the original representative and subsequent representatives. I asked to dispute the late payment they were reporting, because we were provided wrong information by their representatives. After 3 unsuccessful requests, I began disputing the information with the credit bureaus. The payment history was still not updated. I contacted Ally again on XX/XX/XXXX and requested they send me a copy of the payment history. To my surprise, the lender provided me a payment history showing a payment was received on XX/XX/XXXX in the amount of {$2200.00}. I provided this information to the credit bureaus and they are still advising me that the lender needs to correct how they report the account. I contacted the lender on XX/XX/XXXX and asked how they could provide a payment history that shows there was no 30 day gap in payment history, and still report the account as late to the credit bureaus. The lender advised they did receive a payment credited as of XX/XX/XXXX for {$2200.00}, but the payment was reimbursement for the extended warranty protection on the vehicle and only reduced the principal balance. It is bad business to tell a customer that no payment was received and report a late payment to the credit bureaus, then later come back and say they actually did receive a payment, but it was the wrong kind of payment. The lender knew the vehicle was totaled. They knew the insurance was sending a payment. They received a payment far in excess of the amount due and still made the decision to negatively impact the consumer over a situation that could have been entirely avoided, were it not for the wrong information provided by their representatives to begin with.
|
| 08/26/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
To whom it may concern, I had the opportunity to obtain and review a copy of my credit report. Upon reviewing my credit report I noticed that the Ally Financial account is still reporting inaccurate information. I have included a detailed description of the reason for my dispute below : I received numerous phone calls about a debt I owed to Ally Financial. I spoke with a representative on XX/XX/XXXX, informing me that I had an outstanding balance due for and auto loan that I obtained in XX/XX/XXXX. I explained to the representative that I had traded in the car in question in XXXX of XXXX and my account had been paid in full as of XX/XX/XXXX per the letter that I received from Ally Financial. I was told to email a copy of the letter I received showing that my account was paid in full. On XX/XX/XXXX, I sent an email to XXXX. The representative told me that my email would be reviewed and a manager would contact me. No one ever contacted me regarding the email. The calls stopped for a few months and then they started back around XX/XX/XXXX, still stating that I owed a balance. I told the representative that I had emailed a copy of the letter I received stating that my account was paid in full. The representative had no notes of this on my file. I was told again that my account would be sent to a manager and someone would be in touch with me. Again, I received no contact via phone, mail or email from Ally in regards to my account being closed. On XX/XX/XXXX, I sent a letter to the three credit bureaus ( XXXX XXXX XXXX XXXX XXXX stating that the Ally Financial Account was reporting incorrect information on my credit report. I provided the letter I received from Ally to the credit bureaus. On XX/XX/XXXX, XXXX sent me a letter stating that this account had been removed from my credit report only for it to be added back to my credit report again a few weeks later. The balance that was being reported on my credit report was {$560.00}. My credit report also showed that the account was in good standing and that I had been making on time payments since XXXX, which was false because I no longer made payments to Ally once my account was closed. On XX/XX/XXXX, I sent a certified letter to Ally informing them that my account was still being reported inaccurately and I would like for them to remove this account from my credit report. At the time that I sent the letter to Ally the balance reported on my credit report increased to {$560.00}. Ally received my letter on XX/XX/XXXX. Today, XX/XX/XXXX, I received notification that my credit report had changed. When I reviewed my credit report, Ally now showed that I owed {$1000.00}, which was a {$440.00} increase from the previous balance that was being reported. My account was also flagged as being 180 days past due. This is unacceptable for this company to continuously ignore the proof that my account was paid in full and further more that they continue to report inaccurate information without any explanation. I would like this account removed from all three credit bureaus immediately.
|
| 10/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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On my Ally Finance ( my auto loan ) i have 2 recent late payments on my credit report, on XXXX on XXXX I went to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nv XXXX trying to trade in my car for another Car, I was able to trade in my current car ( ally auto loan ) and get a new car, during the time the Dealership wasnt able to approve me for the new Car loan and they took Over 2 months trying to get the deal closed and never happened they even renew me the paper plate and still werent unable to get my deal approved and closed. So they end up giving me back my car and I gave them their car back, obviously when I got my car back it got me behind on 2 payments since I did not had my car and the dealership had it and they were supposed to take care of the car and payoff so I could get the other deal closed. So basically that late payments that reflects on my Current Auto loan with Ally finance is not and was never intentionally to be late. I spoke to the dealership and asked them to fix this on my credit because is hurting me score very bad and said they had nothing to do with it and did not took responsibility of their irresponsible act they had of 2 moths.
On XX/XX/XXXX I have another late payment on my current auto loan, I went to a dealership called XXXX XXXX XXXX XXXX located in XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX XXXX Nv XXXX. I went to this dealership trying to trade in my car since I really needed a Family car, I was able to trade in my car and get a new Car, during this time the finance department were trying to get my loan approved mean while my payment of the car I trade in was due, when I spoke to them and asked based on my previous experience they told me we are going to pay your trade in car you dont have to worry you are going to be approved for the new auto loan so I stayed with the new car and they kept my trade in car. This situation happened as my previous experience with the other dealership, they never paid my trade in car and I was not approved for the new car. I again had to give them their car and take my car back obviously again with a late payment past due and new payment due. This situation affected my credit score bad that I lost 46 point because they kept on running my credit trying to get a bank to approved me and not only that, now those late payments are reflected on my credit and its hurting my situation at this moment. The dealers need to be more conscience Of due to wanting to sell cars so bad, they have no idea how much it hurts peoples credits
when they do this type of actions.
Ive been trying to fix my credit so bad, I been working on my credits spending money to work on my credit and out of nowhere the dealers dont care and they ran your credit with lots of bank, hurting peoples credits of up to 40 points not really carrying about peoples struggles.
I have spoken to the dealers so they can resolve my problems and they just dont want to take responsibility of their actions.
I really need help trying to get this 2 last late payments removed from my credit.
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| 02/16/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Banking errors
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Web |
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On XX/XX/2022 I received a promotional solicitation email from Ally bank, where I have many accounts. It solicited me to open another savings account with " new '' money by a deadline date and promised to pay a 1 % " bonus '' in interest on XX/XX/XXXX.
I noticed the money was not credited on XX/XX/XXXX ( I had deposited {$6900.00} in " new money '' transferred in from another bank on XX/XX/XXXX in response to their offer ). I called Ally and asked them why the money was not paid as promised. I was told that it should be in the account by end of business on the XXXX, and to check the balance on the XXXX.
On the XXXX the money was still not deposited, and after waiting on hold for over XXXX minutes I was told that " they are backed up on payments '' and they don't know when the money will be deposited, perhaps " 7 to 10 business days ''. I told them this was unacceptable, that if I borrowed the money and did not pay interest on time I would be charged additional interest and I expected them to either pay me today or guarantee additional interest including opportunity cost interest ( since interest rates have risen very quickly in the prior 120 days ). Since I have to keep the account open to receive the " bonus '' payment, it means I can not close the account and deposit the money in another account earning the prevailing current rate. I have accounts at XXXX XXXX and they are now offering 5 % for 11 months, considerably higher than this account is paying.
I asked for a supervisor and was told the same nonsense about being " backed up '' in the " promotions department '' - this is an interest payment, and will be reported as such on a XXXX at the end of the year. Interest is paid on a timed basis, so delaying payments is a blatant violation of the agreement they made. If I do not have the ( {$69.00} ) promised bonus on the due date of XX/XX/XXXX, and do not have the option to re-invest the {$6900.00} ( plus intervening interest paid during the 120 days ) in another ( higher-interest-paying ) account, this amounts to theft. Ally pays interest on savings accounts every month on the statement date, like clockwork, programatically. It is not acceptable that they are " backed up '' because they solicited the money and then did not programmatically pay the " bonus '' - since this promotion allowed up to {$500.00} in interest to each customer, if they are " backed up '' it means they took in a LOT of money under this promotion fraudulently, and are now attempting to not honor the agreement. With interest rates rising monthly, they are essentially increasing their own " float '' margins on the backs of customers.
Thank you for your help in pursuing this claim, federally-underwritten banks should not be taking advantage of customers like this. In a short time I will be retired and relying on fixed income like interest to live, and this sort of breach of promise should be punished severely. Multiply this over the thousands of customers who participated, and the amount of money they are stealing here is non-trivial.
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| 07/31/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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We turned in our leased vehicle early. We financed a new vehicle with the same company as the lease the day we turned in the our previous vehicle. Both transactions occurred on XX/XX/2023. We used Ally Bank for both transactions.
On XX/XX/2023 both my husband and I received letters stated we owed an additional disposition fee. The letter states the disposition fee was waived if a new vehicle was financed within 30 days of the termination of the lease.
We contacted Ally on XX/XX/XXXX to provide them with the new account number. We were advised that the fee was valid because the lease was not terminated until XX/XX/2023. We were able to provide proof that we sold the vehicle to the dealership on XX/XX/2023. They insisted we owe the fee of {$390.00}. My husband was advised that no managers or supervisors were available to assist with this issue and providing proof we sold the vehicle was not sufficient. We turned the vehicle in on XX/XX/2023 even with the dealer not completing the transaction until XX/XX/2023 ( a date provided by Ally Bank 's representative, we are within the 30 days. The representative then stated that we owed the fee because the new financing was prior to the lease cancellation. My husband said we should not be penalized due to an error at the car dealership. She advised my husband that was not her problem nor her job to contact the dealership. The representative said if we were not prepared to pay the fee at this time we would need to make payment arrangements. My husband was very angry as the representative was not listening to him and disconnected the call.
I called back and received a new representative. I explained the situation and was advised that the fee was valid because the new account was not in the same names in the same order as the previous account. Duplicate letters were sent to my husband and myself because we are both on the account. I asked to speak to a manager or supervisor and was told neither were available at this time. I was then asked to pay the fee again and I advised I would not be paying the fee until I spoke to a manager or legal representative. I also stated I would be filing a compliant. The representative said " That is fine ''. I again asked to speak to someone regarding this since 2 separate representatives gave 2 very different answers. She asked if I was going to pay the fee again. I said not until I speak to a manager. She said I could speak to someone else but it would not be a manager. She put me on hold for 15 minutes, came back on the line and said she had made a note on my account and sent a request to her manager but the fee was due and valid. I disconnected the call at that time.
This is a junk fee. We have a new account. The new account was created within the appropriate time frame per the lease agreement. This fee could impact our credit scores and/or the ability to purchase another car in the future. We have been loyal customers with Ally without a problem. I believe Ally should review their policies and our account and reverse this decision.
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| 03/01/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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I have a lease through Ally Financial and recently was in an accident where the vehicle was declared totaled. The other driver was found completely at fault as they ran a red light at near 70mph when they struck my leased vehicle that was fully covered by insurance here in Michigan. Upon declaring it totaled, my insurance ( XXXX XXXX ) quickly sent over all needed documents to Ally Financial to help expedite the process of paying off the vehicle and removing the loan from my credit.
My insurance called and confirmed they had received the fax containing all the documents. The next day, I called to ensure all paperwork was received and to get a timeline of the process from there. They stated they received nothing from my insurance. I had my insurance email everything over and confirm again that everything was received. I then called again to ensure they had everything. I was informed 5-7 business days from then, they would have the Letter of Guarantee sent to my insurance.
I waited 7 business days to call back and was told they still have not finished reviewing the documents or sent the Letter of Guarantee to my insurance. When I asked why the timeline of 5-7 business days was not met, customer service representative XXXX ( last name not provided as she stated it was against policy ) said they needed time to review the documents and they have had system issues, to which she wouldnt elaborate. I let her know that I was informed when they received the documents that the 5-7 business days were to review, prepare, and send the Letter of Guarantee and that system issues are not my fault nor was I informed prior. She had no comment.
I asked to speak with her supervisor and was told that there is no supervisor to speak with at this time ( during business hours ) but she could make a note and one could call me back in 24-48 hours. I did not receive a call from a supervisor within 48 hours of our conversation ( time would be no later than XXXX XXXX on Thursday XX/XX/2022 ). I did receive a call just shy of 72 hours later ( XXXX EST on Friday XX/XX/2022 ) but was unable to answer due to work. I called back on Tuesday XX/XX/2022 at XXXX XXXX and left a voicemail as there was no answer.
I made sure I was available to answer any calls received through the 48 hour window ( even at the impact of my job ) and no attempts for contact were made during that time. Instead, a contact attempt was made 2.5 hours before the end of the supervisor 's work week, leaving no time to resolve this issue before the weekend. Based on XXXXXXXX XXXX ( the supervisor who reached out to me ) schedule, Tuesday was the soonest I would be able to call during business hours ( XXXX EST ) and there was no answer or callback received.
This issues is keeping the account open, payments remaining due, and my credit being impacted. Myself and my insurance have been nothing but quick, but Ally will profit off me from dragging their feet and remaining vague on their answers as to why this isn't being taken care of per the timelines they are providing.
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| 09/28/2015 |
Yes |
- Consumer Loan
- Vehicle lease
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- Managing the loan or lease
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Web |
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I was leasing a vehicle through Ally financial and returned the vehicle to a dealership, as instructed by Ally, to end the lease in early XXXX. I signed an odometer disclosure and was instructed to wait for a final bill, which would include any remaining lease balance plus any excess wear and tear identified during the inspection. I was told not to continue making payments on the account and that I did not need to be concerned with the account becoming past due. I began receiving collection calls from Ally in early XXXX and was informed that my account was past due. I explained the situation multiple times and was informed that somehow between the dealership and Ally, the return was never recorded. I was told not to worry, this would get sorted out with the dealer and that my account would not be reflected as & gt ; 30 DPD and would not be reported to any of the credit bureaus. For an additional 1-2 weeks I continued to receive harassing collections calls, and returned at least XXXX of them to clarify that the account was properly noted as being in a " pending termination '' status. Each time I asked for, and received confirmation that the account would be reflected as such, that I did not need to do anything further, and that the account would not be reported as past due. Towards the end of this month ( XXXX ), the calls finally ceased, however I recently received a credit report that my account with Ally is & gt ; 30 DPD. This has been reflected on XXXX of the XXXX usual credit bureaus as of the day I am writing this complaint. I called Ally on the day I received the first notification and was again assured that the account was in fact now in a terminated status, was not identified as being past due, and my credit would not be affected. Based on their track record thus far, I am less than confident that the error committed by Ally in reporting my account incorrectly as past due will be corrected without any negative impacts. The time spent thus far to get Ally to correct their own mistakes has been unacceptable. This does not include the level of stressed placed on me as a consumer. To make matters worse, I was not afforded the opportunity to be present for the vehicle inspection, and as of today do not know if there will be any excess charges. Based on my own inspection, I do not anticipate there will be any, however because the vehicle sat for over 30 days outside of my possession before the inspection occurred, I have no way of knowing if any damage occurred. Further, I have been given no recourse in the event some damage is identified as I am only able to state, based on my word, that the damage did not exist when the vehicle was returned to the dealership. Their process is clearly flawed because it relies on mutual coordination between XXXX parties, excluding the consumer ( Ally and the dealership ). Last, the consumer is fully at the mercy of these XXXX parties in the event either of them makes any mistakes. I have never once in my life had such a bad experience with any business, big or small.
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| 03/09/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem making or receiving payments
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Web |
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XX/XX/2021 Dear CFPB, In its response of XX/XX/2021, a copy of which is attached, to my previous complaint to you, Ally Bank has provided some misleading and inaccurate information.
Ally Bank has not addressed the issue that I reported and provided a response to my CFPB complaint that was misleading. The representative who responded to my inquiry provided factually false facts and manipulated the numbers to justify the limits on the payments that I can send using the company service : 1. As an example, the Ally Bank representative stated the following : " on XX/XX/2021, you have scheduled XXXX payments in the amounts of {$1.00}, {$650.00}, and {$1000.00} to be sent on XX/XX/2021 '' The truth is that I scheduled the above mentioned payments months in advance, not on XX/XX/2021 and I scheduled them to be delivered on XX/XX/2021 and not on XX/XX/2021.
2. Ally Bank listed on its website {$5000.00} DAILY limit for XXXX payments, which, unless Ally Bank 's intention was to mislead the customers, means the limit is reduced for a single day, which can explain why my limit for payments to be set on XX/XX/2021 was reduced to {$3300.00}, but it did not and would not explain why my payments on other days on, which I had scheduled no payments would be reduced to {$3300.00}.
The screenshot that I had provided in my original complaint documented the limit of {$3300.00} for payments on XX/XX/2021, the date for which I had not scheduled any payments. I clearly stated that date in my complaint and it is not clear to me why the Ally representative overlooked that fact and decided not to respond to the issue that I reported.
After reviewing Ally Banks response of XX/XX/2021 I went ahead and attempted to schedule another payment on XX/XX/2021 using Ally Banks XXXX service. I believe that Ally Bank should have sufficient time to investigate my new complaint prior to XX/XX/2021 and clarify why the published limits for XXXX payments listed on Ally Banks website today do not reflect the reality.
The attached screenshots show that I am trying to schedule a payment to be sent on XX/XX/2021 and that the limit for the payment is {$2300.00} while the daily limit shown is {$5000.00} and the 30-day limit shown is {$10000.00}. I have no payments scheduled for the day of XX/XX/2021 and my other scheduled payments within a 30 day window of XX/XX/2021 are totaling less than {$2600.00} for XX/XX/2021 and less than {$2600.00} for XX/XX/2021. In addition to that, my total payment activity in the last 30 days using XXXX service was less than {$2600.00}.
I would appreciate that Ally Bank provides an explanation how it arrived to the figure of {$2300.00} for the payment limits for XX/XX/2021 and how that calculation corresponds to the advertisements of the service made to consumers.
As before, I request that Ally Bank should stop providing misleading information to consumers and the CFPB and brings its documentation and its advertisements of the XXXX payment service in line with the actual limitations it imposes on customers.
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| 10/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Dispute 1 : Charge Off listed repeatedly In XX/XX/XXXX, Ally issued a charge off for the debt associated with this account. I was not contacted until XX/XX/XXXX. That being said, I was not notified that the account had issues brewing for several months since XX/XX/XXXX. Additionally, this account was not on my credit report until the charge off occurred in XX/XX/XXXX giving me no awareness or opportunity to remedy.
In the XX/XX/XXXX phone call from Ally Financial, I learned that all communication and phone calls were with XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX, XXXX ( registered to do business in Virginia ) In XX/XX/XXXX, Ally Financial recovered the vehicle for which the loan was taken out. The vehicle was not in my possession and was taken from my ex-husband. Ally continued to report a derogatory mark for an additional three ( 3 ) months despite already having written off the debt on their accounts and being in possession of the vehicle. My credit report also indicates that the account was closed in XX/XX/XXXX. I called the institution in XX/XX/XXXX, XX/XX/XXXX and again in XX/XX/XXXX. I explained on the phone call that the vehicle was purchased by XXXX XXXX XXXX XXXX, XXXX. That vehicle was purchased for business use by XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX had been responsible for all payments and the payments were not under my review or authority as I was not an operator of the business. Each time I called, including XX/XX/XXXX, the institution tried to get me to repurchase the car. To which I indicated that I could not do so.
I am disputing that the furnisher has repeatedly reported for several months a charge off AFTER this initial reporting of such. I am asking that you remove the multiple indications. Per the Consumer Financial Protection Bureau, the information should not be listed multiple times after the furnisher writes off or charges off the debt.
Dispute 2 : Removal of account When I spoke with the Ally agent in XXXX of XXXX, I told him about a court order that indemnifies me from the debt and asked how I might get a copy to the office. He again asked if I wanted to purchase the car back to which I said no. Then he told me there is no point of sending the court order document and that Ally would not do anything with the information.
I am disputing this account in its entirety. I am requesting the removal of the account from my credit report per court order ( enclosed ) of XXXX XXXX XXXX, VA. The courts find that XXXX XXXX was solely responsible for the misappropriation of this debt and failure to pay as the CEO and only operator of the business. The business is ordered to be dissolved and I am to be indemnified from all past and future debts associated with XXXX XXXX XXXX XXXX, XXXX.
I have attached a copy of several documents with regard to this dispute : Copy of my credit report pulled on XX/XX/XXXX with the account and dates in question circled.
The XX/XX/XXXX letter from Ally Financial A full copy of the court order from XXXX XXXX XXXX, Virginia
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| 09/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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The below email was sent Ally 's Financial prior to the negative late payment reporting notification that I received today. Please open a full investigation or call recordings and notes on my account that should prove I made the proper arrangements to avoid a late fee, negative credit report and negative account status.
Thanks in advance, XXXX XXXX To Ally Auto XX/XX/18 To : Account Manager Only, XXXX : ***UNAUTHORIZED PAYMENT*** Last week, XX/XX/2018, I spoke with an account representative who advised that I had until Monday XX/XX/2018 to make the past due XXXX payment iao {$660.00}. He advised that the payment would have to be made before XXXX XXXX and that I would not be charged a late fee. The representative stated that my account would remain in good standing as long as the payment was made prior to XXXX XXXX and that he would note my account thoroughly.
1. As agreed, I made a payment iao {$660.00} on XX/XX/2018 prior to XXXX XXXX
2. This payment was made by a dear friend of mine, XXXX XXXX who authorized her bank card information.
3. Someway, somehow, my personal check account was charged iao {$660.00} instead, in which I did not authorized, nor did I schedule any payment arrangements.
4. XXXX Bank informed me that the transaction iao {$660.00} cleared at XXXX XXXX on XX/XX/2018. This transaction has been disputed. Please see the attached receipt showing the payment was made using another account.
5. After speaking to one of Ally 's account representatives this morning who accused me of scheduling the payment myself iao {$660.00}, I prefer to only speak to an account manager who will take the time to listen and help me to resolve my concerns.
***PLEASE NOTE : I did not schedule a payment to be drafted from my Chase personal checking account. The payment had to be manual made for me to ensure no late fee or negative reporting would occur on my account*** 6. I am requesting the call is pulled from XX/XX/2018 to confirm the verbal arrangements between the account representative and I regarding my XX/XX/XXXX payment. Please confirm the notes on my account, as well as the actions the representative took on his end.
7. I am also requesting the late fee to be removed from my account and would like to confirm that my account is in good standing with no negative reporting 's to the credit bureau.
XXXX. Please call me ( XXXX ) XXXX or email XXXX me with an update.
Additional email sent XXXX XXXX Re : ***UNAUTHORIZED PAYMENT*** CASE : # XXXX To Ally Auto XX/XX/18 I would like to add, that I only received one email confirmation for payment iao {$660.00} which was authorized. Where is the email correspondence for the additional payment iao {$660.00} ( not authorized ), as well as the original email correspondence proving that I did scheduled the payment iao {$660.00} to be autodraft from my personal account. This is a violation of my consumer rights. I would like to have this resolved as soon as possible or I would be forced to ask the XXXX and CFPB to investigate on my behalf.
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| 11/07/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
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My husband and I recently joined bank accounts. The Ally vehicle loan auto payment still came out of my husband 's old account on XX/XX/2018. The email thanked us for our payment of {$580.00}, so we assumed that we paid in full. The following day, XX/XX/2018, we received another email thanking us for our payment of {$570.00}. So, we received two emails stating that we were paid in full for the month of XX/XX/XXXX. It wasn't until over one month later, on XX/XX/2018, that another email was sent stating that our " vehicle payment scheduled for XX/XX/18 was returned. '' The old account that the auto payment drew from had insufficient funds because it was no longer in use, due to my husband being added to my account as a joint account. Now, my husband 's credit has taken a major hit because this was considered a 30-day late payment. However, Ally did not notify us of this until almost 6 weeks after the fact. Instead, we were told on two separate emails that we were paid in full. If we had been notified immediately, we could have paid this in full immediately, and our payment would never have been considered late. My husband and I have been paying on this vehicle loan through Ally for over 4 years now, and have never been late on a payment.
Because we are in the midst of buying our first home, we need a letter from Ally stating that our account has been " paid as agreed. '' We close on this home on XX/XX/2018 -- in just one week. If we do not receive this letter, and give it to our Home Loan Officer immediately, we will not be able to go forward with the loan for this house, and will lose this opportunity. We have spoken to numerous Customer Service Specialists and they have now submitted our request twice, and have marked it " urgent '' twice. Every time we check the status, we are told it is still " pending '' and given no further answers. Ally failed to notify us of our late payment until 6 weeks after the fact, which is considered fraudulent behavior -- they never gave us the opportunity to correct their mistake. We requested on multiple occasions that Ally send us a formal letter, on their letter head, referencing our account #, stating that we are " paid as agreed '' by XX/XX/18 -- which they failed to do. This letter needed to be sent via fax to XXXX XXXX XXXX at XXXX XXXX XXXX.
My husband and I have both been calling Ally separately for weeks now. He has called at least on 4 separate occasions. Due to a lack of help, I began calling -- I called on XX/XX/18 twice and they finally stated that someone from the Executive Customer Relations Department would be contacting us within 48 hours. I also faxed over a cover letter on XX/XX/18 stating the information listed above in addition to the emails we received. They did not contact us until XX/XX/18, and unfortunately we missed their call. I called back this same day and left a detailed message. My husband called yesterday, XX/XX/18 and left a detailed message. I called today, XX/XX/18, and left another detailed message, with no response.
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| 12/20/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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My wife and I had XXXX vehicles that were both damaged in a series of hail storms that blew through our area back in XXXX. The damage was enough to total out both of our vehicles. Getting everything sorted out on my truck was easy - XXXX XXXX had a great process that took all of like 2 weeks to sort out from start to finish.
My wife 's car, financed through Ally Auto, was a total nightmare.
My account was placed in their version of lock down ; I could n't get anybody to talk with me and the people I did speak with were unable to give me any details. This was an issue as I had a ticking clock to get my XXXX insurance ironed out. Around late XXXX, I was escalated to their 'Executive Customer Relations ' team to try and get everything fixed up. At the same time, I was also chatting online with their chat representatives just hoping to get some answers. Neither department was able to assist me in any real way. I had requested some simple documents from them - stuff like company letterhead with my account number and the address to remit payment to. They were n't able to even provide that! Just as frustrating, the ECR team would take weeks at a time - with me emailing almost daily - between responses.
After some seriously frustrating phone calls ( and about a month ), the ECR team finally managed to send all of my required documents to my GAP insurance provider. During that month long span, I was still getting on Ally 's chat service and trying to track down the documents myself. Part of that involved asking questions that this rep did n't want to answer. So, he kicked me out of the chat service in the midst of our discussion. My login session had expired so I tried to log back in a few minutes later to reengage in the conversation. Imagine my surprise when I get an alert that said I was locked out due to too many incorrect login attempts! Even more surprising because I had saved my password on my computer ; had n't typed out my password for MONTHS with no problem.
At this point, I also asked ECR about why the heck this was going on ; I was informed that there was no attempts to lock me out, it was just an automated procedure that kicked in. It all seemed to coincidental - and erroneous due to the type of error I received. They stuck to their guns though - and were quite rude through this whole process. I got fed up with dealing with the ECR team and managed to find contact info for several executives in the organization. I passed along all email threads and asked for them to look into it. After much back and forth, it came to light that it was NOT an automated process that had kicked in. Rather, it was incorrect password attempts - as I had been saying since day XXXX. Whenever this came to light, the individual I was speaking with, XXXX XXXX, started threatening lawyers as a way of strong arming me into staying quiet about the whole issue.
This whole situation was n't entirely unfruitful though. I finally managed to find my payoff amount. In XXXX. 7 months after I started the process.
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| 11/10/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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In XX/XX/XXXX I leased a XX/XX/XXXX XXXX XXXX for a term of 39 months. On XX/XX/XXXX I traded in the XXXX early with a promotion the dealership was offering. The agreement was that the remaining lease obligation would be paid off and I would lease a new vehicle. On XX/XX/XXXX the saleperson requested and received a payoff quote for the amount of XXXX. The quote states " the maximum amount the lease will owe, assuming no excess wear charges ''. This quote amount was valid until XX/XX/2018. The dealership paid the XXXX on XX/XX/2018, before the expiration date of said quote. In XXXX I received a letter from Ally stating that I owed XXXX??? ( I do not have the statement available to me right now to verify exact amount ) that wasn't covered. I immediately called the dealership and was originally told that the dealership did not pay the correct payoff amount and that I should either pay the amount to Ally or I should ask the dealership to pay the remaining balance on my behalf.
After speaking to the dealership, I was advised that this was a mistake on the part of Ally and documentation was provided to me showing the payoff amount and that amount paid out to Ally. When I called back to Ally to resolve the issue I was then told that I missed the payment sue on XX/XX/2018. I informed them at that time that the car was turned into the dealership before that payment and that was to be included in the final payoff that was submitted by them to the bank. Why would I pay a payment for a car I do not have and had already been closed out based on their quote? Upon further phone calls they then changed their story to I missed the XX/XX/2018 payment. At that time I asked them to send me a list of all the payments that they had received from me. After numerous requests for this information I was finally emailed this information. A few days later after the receipt of this email, I called back and asked to speak with the department head. I was placed on hold and was never transferred. I then emailed asking that I receive a return call from the department supervisor, which did not happen. The documentation that they provided to me shows that they in fact acknowledge receiving EVERY SINGLE PAYMENT up until the lease turn in date of XX/XX/2018. According to their own records I did not miss any payments. In a collection call that I received last night, I was informed that they will be reporting this small amount to the credit agencies. I need resolution to this problem since Ally refuses to review their own records. The payoff they provided was paid as they asked for. Their was wear and tear insurance on this vehicle, so their was no charges for that. I do not appreciate how their story keeps changing instead of finding the true mistake. The dealership has even tried to resolve this issue on my behalf without success. They argue that they have never seen this situation. Even if I did owe a missed payment that should have been included in the final lease payoff amount. I do stress I never missed a payment.
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| 08/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE IS NOW XX/XX/XXXX THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED FROM MY FILE!!!!
I DEMAND THIS FRAUD ACCOUNT TO BE REMOVED FROM MY CONSUMERS REPORT NOW AND PERMANENTLY!
ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!
These accounts should not be furnished on my consumer report as they are in VIOLATION!
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
I do not agree they did not remove fraud Account PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT ''
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| 11/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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My car was totaled in XX/XX/XXXX and had a loan with Ally Financial. The insurance mad their payment on my behalf for the value in the amount of {$7300.00} in XX/XX/XXXX but was not processed to my account until XX/XX/XXXX ( which caused with inappropriate fees/interest ). In the meantime of processing this insurance payment, Ally had turned off my automatic payment for those months without my consent or notification & there were also points where the would not let me access my account. Throughout this time I was trying to get them to adjust my payment to when it was made properly and was run around in circles in their customer service department. No one had seemed to know why this was going on and no one seemed to care.
In XX/XX/XXXX, Ally reversed my insurance payment ( for a reason I am not sure of ) and then in XXXX they had reported me to the credit bureau for being delinquent as of XX/XX/XXXX. Per my credit report, it caused my score to drop by around 100 points. Also worth noting that my mother cosigned my loan and she was also falsely reported to the bureau as well and since then she has cosigned a loan for my brother and likely received higher interest rates due to this. Since then, I have been dealing with their executive customer service group where they have been working to figure out why my insurance payment was reversed, as well as my payments I had made were not being applied to my account. In XX/XX/XXXX they reapplied by insurance payment to my account but I have no visibility into the adjustments they have made on my account to adjust for interest, fees, etc. Additionally, they had informed me that when this was adjusted that the next steps would be to work with the credit bureau to make the adjustments to both my balance as well as the delinquency status that was reported.
As of XX/XX/XXXX, I finally had received confirmation that I will have the following things happen within two weeks of the phone call and was told I would receive a letter in the mail, as well as a personal phone call from Customer Service : 1 ) Remaining balance waived based on my severe inconveniences 2 ) Ally would submit a ticket to the Credit Bureau to adjust my credit score for the balance and delinquency status for both me, as well as the cosigner to the my loan.
Since then, I have called at least three times there has been no one that is answering my calls anymore and I have not received anything in the mail related to my account in regards to the balance and false credit reporting status. It is almost XX/XX/XXXX ( almost three months since I got confirmation ) and my balance and delinquency status is still reported incorrectly.
I have been dealing with them for over a year for an auto loan on a car that has been totaled, 9 months since I have been trying to have them adjust the insurance payment, and it has been almost 4 months since I have been trying to resolve the balance and credit reporting issues. I have been more than patient with them and I do not see an end in sight.
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| 12/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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XXXX and XXXX are failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non complying and neglecting to adhere to the rules and laws of the FCRA. XXXX and XXXX are failing to block or remove the account from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. XXXX and XXXX are have claimed the account listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the account blocked/removed : ALLY FINANCIAL XXXX Open Date XX/XX/2019 balance : {$270.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
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| 07/12/2021 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Unable to open an account
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Web |
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this issue started in XX/XX/XXXX and this person knows my previous address as well as my current address.
I received a letter from Ally Bank in California. Someone perpetrating to be me attempted to open a checking account in my name. That whoever called did not know that I already had a checking account in the state that I actually live. I'm pretty sure that the person at this phone number is the party responsible. Somehow this guy got my personal information which includes social security number driver 's license my date of birth and my current address. I have also received information from a bank called XXXX XXXX XXXX XXXX in California stating that they required my information because somebody put my name on an account. When I attempted to get a person 's name and the phone number they were calling me from they hung up on me. The number originally came up as restricted because here in Illinois I had reason to believe that this number was law enforcement in my area, however it was not it was the Bank. Then receiving this letter from Ally Bank on Saturday told me someone is attempting to open accounts in my name in California. I for whatever reason can not now receive income tax money owed to me by the federal government nor have I been able to receive any stimulus money I am entitled to due to Identity theft. As I am a small business owner in the state of Illinois this really hurts my business and my reputation. I may be looking to go out of business because I can not get money or funds I am entitled to due to a scammer in California.
Previous address was XXXX XXXX XXXX XXXX XXXX Illinois XXXX current address is XXXX XXXX XXXX XXXX XXXX Illinois XXXX my phone number is XXXX and this number should be reflected too XXXX XXXX XXXX XXXX. The call I originally received came from this phone number XXXX at first the gentleman claimed that his name was XXXX XXXX a home builder from Texas. Initially I hung up on this caller but he kept calling me back in days that followed stating that his name was XXXX XXXX, and that he was a bank vice president that was checking on the validity of a trust fund account issued in my name in California and then a separate account near XXXX Iowa ; because my mother was born near here and she was the person who opened this account in XXXX ; and I asked this guy certain information that he was able to answer with 100 % accuracy, and unless you live in this area there's no way you would know how to answer it. His phone number XXXX XXXX is XXXX. He stated that he was a previous XXXX XXXX in the military and his current position was his bank vice president yet when I asked him what the name of the bank was he skipped over my question and kept talking. He also was able to provide to me certain information of mine including my past address where I had just moved from a few days before that and he had my social security number and driver 's license number which caused me immediate concern as nobody should have either one of those bits of information.
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| 01/29/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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This bank ally financial is the worst bank created in the united state all banks and financial institutions work with customers if you were in COVID-19 in this disaster that the country is going through so I have one of my cars that had a balance of XXXX left on it after insurance paid it off and after my XXXX off of courseI got told by their office I dont have to worry about a payment for a while because they made over {$20000.00} on the loan come out to find out that its ready report in 60 days late on my credit and when I called him and asked him what happened they say no it doesnt work like this when I used to be on the vehicle it takes a month to report accurate credit but when I went to 60 days according to them they reported it right away I have about 40 accounts bad on my credit sir maam I had those two vehicles with them I tried everything in the books to work with them they dont give a XXXX XXXX about any human being they are good in mess in XXXX credit they have a bout 250 reviews on yelp that theyre all one star please review yourself and see what people say about them and put in a complaint everywhere I can I buy one with the attorney general public inquiry unit before I got to you guys I lost my 21 year job I applied for unemployment its been two months and I havent heard a word as far as you know the fraud thats going in California they stopped the money that good XXXX earned because somebody else went to the accounts and hacked him and took their money so this situation I really did dont know what to do I try to get as much as money I can and Im trying to go for a bankruptcy after 42 years of my life been living on the street for two years homeless tried to do my best try to do whats right try to be them try to advise him that there is other banks made extensions took payments from the top but Im all the way to the end youre just talking to a wall in honesty XXXX Im a be honest with you sir maam these guys are like them off here remind me of the big fish is the small one and we supposed to be the best country on earth that XXXX made we stick together will help each other and we support each other specially disasters like this but there are certain Bball they dont know XXXX theyre on and theyre standing human beans Im here not only fighting for myself I didnt want this they have in the anybody else after me like I said please read Ally financial reviews on yelp youll see how much being and how much harm they both the American people and we need your help please help please help please help these this bank when you call them they talk to you like in an animal they dont have no human being on them its their way or you take the highway and this is at this moment Im Planning to send a letter to President Biden Im just going to try every option Im Going to try to reach talk to anybody that have authority in XXXX and could help because we are one country were united were best people on earth and we should have XXXX XXXX XXXX XXXX between us thank you very much
|
| 08/01/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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I was financed through Ally Financial for my XX/XX/XXXX auto loan from XX/XX/XXXX-XX/XX/XXXX when my loan was paid off. throughout the agreement I made monthly payments by my due date on the XXXX or by the 10 day grace period which is the XXXX. At one point when I didnt make a payment by the due date or the grace period Ally third party called me over 100 times with in that month at all times of the day. after the 1st call, I made payment arrangements that apparently was not updated into their system because they kept calling. After maybe the 20th call I informed them that I had made payment arrangements and to please stop harassing me with the frequent phone calls. the calls never stopped. I would receive calls as early as XXXX until XXXX at night all throughout the day until eventually I started blocking the multiple numbers the company would call me from. these harassing phone calls from Ally Financial has caused me stress, and paranoia due to the threatening phone calls and letters to seize my car and and the late fees and penalties I incurred while while my financial hardship. Under no circumstances should a customer be harassed and annoyed such as I was with phone calls early enough and late enough to disturb me from my sleep. So nonetheless I worked hard to pay off my debt owed at Ally. A check was sent to Ally Financial on XX/XX/XXXX to complete this payment and on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I received phone calls from Ally. On XX/XX/XXXX I informed them that a check was sent to them paying my car loan off and that they should update my account reflecting a zero balance. They agreed but I continued to receive calls. I told the same thing again that day and the next two days they called. Finally on the XX/XX/XXXX they called early that morning waking me up out of my sleep and I finally gave them the tracking number and the person who who signed for the check at XXXX XX/XX/XXXX and they hung up on me. I called back and they hung up again. I checked my online account and it finally said XXXX balance. Now that I am no longer a customer I would still like to be refunded for my rights as a consumer. I had to block approximately XXXX different numbers from Ally Financial and third parties calling to collect a debt after I told them they were harassing me and I would no longer like for them to call me. I filed a XXXX complaint which they responded no agreeing to pay me anything because they nver meant to harass me they were just making several attempts to contact me but of course I would n't answer because I already asked them to stop calling and they never did stop until my account was paid off. they charged me over {$10000.00} in late fees, interest and penalties and I am seeking that amount back.My total amount I am asking to be refunded is {$10000.00}. That 's including the late charges and fees, the phone numbers i had to block due to harassment and the mailing costs I incurred when mailing them letters to try and get my complaint resolved.
|
| 08/31/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
Servicemember |
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Ally Bank has left me helpless, again.
Despite opening a new account, changing passwords, resetting 2FA, and jumping through every hoop requested, I am locked out of everything involving my Ally bank accounts.
I do not have access to my funds, I am not able to review my account or see letters, respond to requests for information, chat, or follow the course of the investigation into a series of events relating to identity theft of my existing bank, and crypto accounts. I can not even attach updates for your agency.
I have been targeted in account takeovers, and identity theft. I do not understand how this was done, other than discovering remote access XXXX XXXX XXXX software on my system, and additional malware. The account used to buy crypto was an account with an exchange called XXXX, this account had been in my name and was inactive for a long time. My last authorized use on this account was to the best of my knowledge back in XXXX of XXXX.
A series of withdrawals were made from my account with Ally Bank, and used on XXXX to purchase XXXX. The combined totals are {$6300.00} {$410.00} {$780.00} {$170.00} {$450.00} {$11.00} {$220.00} XXXX {$770.00} {$770.00} {$600.00} {$170.00} {$130.00} Ally bank was provided with disputes, spread out over several days as I had to wait for those transactions to clear. I did NOT authorize withdrawal of any sum on XXXX from my Ally account, nor did I link that account. I was astonished to see the account was linked, and I remain baffled as to how this was done. I had linked that account back in XXXX to XXXX XXXX
Ally asked me to work with XXXX, and I did this for the past week extensively.
Ally opened a new account, and then my second restriction on access to available funds were locked up in a fraud investigation. I'm frustrated, however I understand the need to do this. I was told they could hold my funds for 2 days. Now, a full 6 days past the original restriction, all accounts are both locked up and funds not issued provisionally are also restricted. When I inquired, I was told there is no time restriction on accessing my own money during a fraud prevention investigation. I was asked to be " patient '' while the bank works with XXXX.
Ally claims they are waiting to see what credits XXXX will post, I am not seeking double credits on anything. I'm simply trying to recover and get by. Obviously, if XXXX has credited me, Ally should withdraw the provisional credit for that amount.
XXXX, on the other hand, closed my account, and is refusing to work with Ally. They will not release any information directly to any person outside of law enforcement. I believe this is to limit their liability. If the hack uncovered a vulnerability or exploit on XXXX end, which in this case I suspect it did, it would be detrimental to their platform for this to be public.
That leaves me waiting in limbo indefinitely. I can not be held hostage while these companies refuse to progress further in their investigation. What are my rights?
|
| 01/16/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
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On XX/XX/2022 customer service representative named XXXX ( or '' XXXX '' ) said " yes, you can open an account here and we will not charge stop payment on cashier check we call them official checks there is no cancellation fee. we will charge you {$15.00} to overnight mail your requested XXXX official checks. ". I than opened my account with Ally bank over the telephone with XXXX and received wire deposit instructions. I sent a wire of {$1100.00} from XXXX XXXX XXXX XXXX XX/XX/2022 and it posted in my Ally bank account the next day on XX/XX/2022. I called Ally bank on XX/XX/2022 requesting XXXX expedited official checks. Ally bank said that the {$15.00} fee is per check and that their is a {$25.00} stop payment fee. I said mail the checks and Ally bank said because your requesting 10 official checks we think that is a strange request and we will put your account on a 2 to 3 day hold until tuesday XX/XX/2022 until we make a determination weather or not we will allow you to request 10 official checks. I explained to XXXX agent XXXX that when I opened the account on XX/XX/2022 I already asked these questions and XXXX did not explain the process accurate. I requested a supervisor. The supervisor name was XXXX, she said that XXXX gave me the wrong information and that stop payment fee on official checks are {$20.00}. I told XXXX I am disappointed in your bank giving wrong inaccurate price quotes and set wrong expectations about how soon I could receive an official check. XXXX disconnected the phone line and placed a block on my account. I logged in on XX/XX/2022 and my Ally checking account has a message " online access temporarily blocked ''. I called the same XXXX hour Ally bank customer service number XXXX and XXXX picked up the phone said he was " general service or customer service agent and that he could not give me information about my account status that I would need to call back tomorrow Sunday XX/XX/2022 ''. I requested a supervisor. XXXX employee number # XXXX said she is a escalation agent. XXXX said that XXXX gave incorrect information about the schedule of what he called the " support team '' XXXX calls the " XXXX XXXX Department '' will not be available until " maybe '' tomorrow. I asked XXXX is she sure, she said actually she does not know and that she now wish she can change her answer and say that the lost prevention department is closed Sunday XX/XX/2022 because of holiday schedule. I told XXXX it is very important that I get the correct information because her bank Ally Financial XXXX XXXX, has now created a pattern of bad behavior of giving wrong information and that I am a new customer and this is not the level of service I'm looking for. XXXX denied getting me the correct information about Ally banks lost prevention department 's holiday schedule. XXXX said that she will be disconnecting the call. I told XXXX my account is blocked online and that i have no money that I can live on. XXXX said ticket # XXXX on XX/XX/2022 XXXX blocked my account.
|
| 08/06/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
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|
Web |
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Financial Institution - Ally Bank Loan Product - Used Auto Loan I, XXXX XXXX XXXX went to XXXX XXXX XXXX, NC on Friday XX/XX/XXXX to purchase a vehicle after losing a previous vehicle to a total loss situation. After 6 hours at the dealership, Ally Bank approved me, not for the $ XXXX I was asking for but countered at $ XXXX or less and they would approve the purchase. So I moved forward with the purchase of a XXXX XXXX with XXXX miles. I was excited to finally have a vehicle again.
I provided the dealership with my Drivers License, SS Card, XXXX Tax Returns, 1099 Forms and 6 months of Bank statements. The deal was approved and I left with the car that day.
The following week, a male representative from Ally called me to confirm my contact information and PII and confirmed the monthly amount and payment date and stated I would be receiving something in the mail with that information. The Ally rep congratulated me on the new vehicle and I ended the call. I thought the process was complete and I could enjoy my new vehicle.
Then, the first week of XXXX, three weeks after the purchase, I started getting numerous text messages and calls from the dealership and from Ally Bank. The dealership was asking me for more income statements. Then the Ally Bank representative ( XXXX ) in XXXX, Florida contacted me on XX/XX/XXXX from the number XXXX, and also wanted more verification of income as the two years of tax returns and 6 months statements and my 1099 's were not enough.
When I told her I was a Non Resident Alien of XXXX, and that I worked for XXXX and was paid on a 1099 and there was no additional information, documents or contact numbers I could provide to her, her tone changed. I also told her that I did not understand everything she was saying or asking me for since XXXX is not my first language. She then became very annoyed with me. I told her that I had no additional documents to provide and I did not understand why they kept calling me. She then told me on XX/XX/XXXX that she was denying the loan and that I needed to return the car.
I tried to call her back multiple times on XX/XX/XXXX to discuss the matter to resolve it but she was not answering her phone. I contacted the dealership the same day and spoke with the finance office and they told me that XXXX had reached out to them on XX/XX/XXXX and that they would now approve the loan if I brought them an additional {$6800.00}, reducing the cost of the vehicle to {$14000.00}. I can not pay that as it was not the agreed upon term the date I drive off with the vehicle.
I feel like I am be
ing discriminated against since I was credit worthy to get the car, I have established myself in the US, I have a job and make money, pay taxes, and then because they don't like something, they come back and tell me I have to give it back my only form of transportation three weeks later. This is unethical and deceptive. I am now scrambling to find alternative financing and am so stresses out I do not know
what to do.
|
| 11/23/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Servicemember |
|
XXXX XXXX credit sale agreement occurred at XXXX XXXX for a XXXX XXXX XXXX.
XXXX XXXX XXXX Ally bank via telephone call that I was XXXX XXXX and was being relocated had to do voluntary repossession I gave location on where to pick up vehicle and point of contact on how to get the keys. I also gave them updated address mailing address in which they said they would put into the system.
XXXX XXXX I called again to Ally financial to reiterate what I said in XX/XX/XXXX and they promised to fix it and update information. Because my point of contact notified me that the vehicle has still not been picked up by the creditor.
XXXX XXXX still did not fix my updated information and did not pick the vehicle up. Which has now been XXXX months since original contact. ( 120 days ) XXXX XXXX I was called by Ally and was told that a judgment was going to be placed in my name if I didnt turn the vehicle over or make a payment. I told them back in XXXX that I tried turning the vehicle over. But Ally never picked the vehicle up.
XXXX XXXX Vehicle was finally repossessed I was not notified via mail nor was I given the proper paperwork to retrieve my personal items which I only had a few. The judgment that was pending was dropped since they recovered the vehicle. I didnt find out until my point of contact who I gave my keys to back in XX/XX/XXXX called me to tell me he was contacted to meet them at a dealership in XXXX to drop the vehicle off and hand the keys over.
XXXX XXXX No court order was provided since I was XXXX XXXX until XX/XX/XXXX they were still required to comply with the XXXX XXXX XXXX XXXX which they violated. Since the loan was done while I was on XXXX XXXX they were still required to uphold that law during the term of the loan. I then had to call Ally to find out if I owed a balance or not since no paperwork was ever sent to me then I tried giving them my updated mailing address for another time.
XXXX XXXX Ally reported to all three credit bureaus different status dates and marked it as a charge off with a balance and failed to disclose to credit bureaus ( XXXX, XXXX XXXX XXXX XXXX that they sold the account to a third party collection company without my permission. They did not list the name of the new creditor who bought the account and reported late history that was inaccurate. As well as listing it on my report as a installment or auto loan which is a incorrect name for the account. It should have been labeled credit sale agreement since it was done in a dealership.
XXXX XXXX I contacted Ally to request all notices be sent to me since I never received one I explained that they have not updated my current mailing address after multiple times calling in. Since I failed to receive notice and everything else above from reporting inaccurate information to the credit bureaus is a violation of my rights and the FCRA. I am filing a complaint against the creditor to remove and delete this false information off my report or I will pursue legal action.
|
| 11/16/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Ally Bank 's Failure to Release Trust Property To Whom it may concern, I am writing to bring to your attention a serious matter concerning Ally Bank, located at XXXX XXXX XXXX, XXXX, PA XXXX. They are currently in possession of UCC 3 intangible instruments that rightfully belong to my Trust. Despite repeated efforts, I have been unsuccessful in obtaining the release of my property from Ally Bank.
Under the Uniform Commercial Code ( UCC ) 4-402, " a payor bank wrongfully dishonors an item if it dishonors an item that is properly payable. '' In this case, Ally Bank had a promissory note accompanying the check, ensuring that there would be no overdraft. However, Ally Bank wrongfully dishonored the item, leading to the withholding of my property.
Furthermore, according to UCC 4-501, " A bank that takes a documentary draft for collection shall present or send the draft and accompanying documents for presentment, and upon learning that the draft has not been paid or accepted in due course, shall seasonably notify its customer of the fact. '' Despite this obligation, Ally Bank failed to make presentment to the Federal Reserve, where they could have made an application for their Master Account to be credited with the appropriate amount. This failure on the part of Ally Bank has caused significant financial hardship for my Trust.
It is important to clarify that I did not apply for a loan, as falsely claimed by Ally Bank. Instead, I made a deposit, which falls under the definition of a deposit as outlined by the Federal Deposit Insurance Corporation ( FDIC ). Ally Bank, as a custodian of my instrument, had a fiduciary duty to safeguard and handle it appropriately upon receipt via USPS. Their discrimination and refusal to release my instruments have resulted in unjust consequences for my Trust.
I would like to emphasize that the instruments in question were properly endorsed with an unqualified special endorsement, and I possess the right of enforcement according to UCC 3-309. It is clear that Ally Bank is in the wrong, and their actions have caused significant detriment to my Trust. I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to address this matter and ensure that Ally Bank fulfills their fiduciary duty by releasing my Trust property promptly.
I have attached copies of relevant documents, as supporting evidence for your review. I kindly request that the CFPB investigates this complaint thoroughly and takes appropriate measures to rectify the situation.
Thank you for your attention to this matter. I have faith in the Consumer Financial Protection Bureau 's dedication to consumer rights and trust that my complaint will be handled with the seriousness it deserves.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 01/08/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
I contacted Ally financial at XXXX the beginning of XX/XX/XXXX, stating I was in the hospital for 3 almost 4 months and that I was waiting on my XXXX XXXX XXXX from work and that I also was going to get a loan from my 401k to pay my car payment to catch up what was past due. They understood and I was in constant contact with them. I called them XX/XX/XXXX stated I received a check from work and that I was going to XXXX XXXX per their request and was going to make a payment of {$2500.00} but I did not know the fee to do so was {$9.00} so I made {$2400.00} payment. I never done XXXX XXXX before so, I was very nervous about doing the payments this way. I made the payment and was given a track # XXXX and the clerk said it was sent. I called Ally Financial on XX/XX/XXXX and asked how much was left that I needed to pay on the car to be up to date on my payments. They said they sent the money that I sent XX/XX/XXXX back because it was not the correct amount and so, I needed {$4100.00} now to be up to date on my payments. They also said, that they tried contacting me when I called them stating the amount I was making was n't going to be enough. I got off the phone with them contacted XXXX XXXX at XXXX and the operator stated that Ally Financial indeed did receive the money. The operator said she would resend the money if that was the case and that she would make a note about the issue and she got clearance from her supervisor. Well, I contacted Ally back and told them what XXXX XXXX had stated and the person from Ally stated they do not have the money. I said, well XXXX XXXX said they will resend it and that you should receive the money in 24-48hrs. I also, told Ally XXXX XXXX said if they are okay taking 2 separate payments they would do 2 separate payments. Ally agreed to take separates payments. I said I am going to send the rest that you said is needed so it will get to you at the same time you get the other payment. I sent {$1600.00} through XXXX XXXX tracking # XXXX and I thought I was caught up on the payments. XXXX XXXX. I woke up to my car being gone. I thought it was stolen and I was going to call the cops but something told me car Ally first and ask if they took the car and I did and they said yes. I was upset because all my belongings are in the car. My grandson 's carseat, my work I.D., my GPS everything. I had no clue they were going to repossess my car. I did not get a letter nothing. The repo company did not knock on my door, nothing. Ally gave me a number to contact the repo company XXXX to try to get my personal belongings back. I called them and they took my name and number for a XXXX to contact me. XXXX contacted me stated I have to make a appointment to get my belongings. I made appointment ( but unfortunately have to try to find a ride ). The Repo place is an hour and half away.XXXX XXXX XXXX , XXXX Pa XXXX phone number XXXX. I contacted XXXX XXXX again and requested a refund of both transactions. I feel this was a wrongful repossession.
|
| 03/03/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
On XX/XX/XXXX, I saw this 1 % bonus promotion on Ally bank website and you can get a Cash bonus of 1 % of the new money you deposit into Eligible Accounts at Ally Bank up to a maximum of {$500.00} cash bonus. FYI, here is the link to the full terms of the promotion on ally bank website : https : //www.ally.com/content/dam/pdf/corporate/offercode/getpaid.pdf? XXXX Here are the basics of the promotion. 1. If you plan on transferring New Money to an existing Eligible Account ( s ) at Ally Bank, you must enroll in this online-only offer here by XX/XX/XXXX. You must use the email address associated with your existing Ally Bank account. 2. If you dont already have an Eligible Account at Ally Bank you must open an Online Savings account, Money Market account, or Certificate of Deposit ( CD ) at Ally Bank using the offer code getpaid by XX/XX/XXXX. 3. Move at least {$1000.00} in New Money from an account at another financial institution into an eligible Online Savings account, Money Market account, or new CD at Ally Bank by XX/XX/XXXX. 4. Keep the New Money in your eligible Online Savings account, Money Market account, or CD at Ally Bank through XX/XX/XXXX. 5. Keep at least one Ally Bank account open and in good standing until we deposit your bonus, on or by XX/XX/XXXX. If youve followed the eligibility requirements, well pay your Cash Bonus on or by XX/XX/XXXX to an Ally Bank account you own. You must have an Ally Bank account open and in good standing at time of the bonus payout to receive your bonus So according to the terms, 1. I opened a new 11-month no penalty CD using the offer code 'getpaid ' on XX/XX/XXXX on ally bank website. 2. I transferred {$50000.00} new money from XXXX XXXX online saving account to this new CD. The new money is available on this new CD on XX/XX/XXXX XXXX. I kept the new CD with {$50000.00} through XX/XX/XXXX and closed the CD on XX/XX/XXXX 4. I still have my ally checking account open Since I completed all the requirements of this promotion, I am supposed to get the maximum {$500.00} cash bonus ( 1 % of {$50000.00} ) on or by XX/XX/XXXX. But I didn't get the bonus as promised on XX/XX/XXXX. So I contacted ally bank on XX/XX/XXXX about this bonus and was told they opened a case and it will take 7-10 business days to investigate. But I still didn't see the bonus after12 business days. I contacted ally bank again on XX/XX/XXXX, this time I was told they have no turn-around time frame for the case and they don't know how long it will take to resolve. I requested to talk their supervisor and the supervisor told me there are more than 1000 people having this issue and they don't know when my case will be reviewed. I asked what " no turn-around time frame '' means, what happens if you will work on this case for a year? The supervisor said it could be and he just don't know when. This is not acceptable. I completed all the requirements of the promotion, so I should get the bonus as promised by ally bank on or by XX/XX/XXXX.
|
| 03/24/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I received a fraudulent cashier 's check on XX/XX/XXXX for an oven I was selling on XXXX marketplace and XXXX. The individual XXXX XXXX XXXX wrote from email address XXXX and explained that they would send more money than the selling price - the surplus intended to pay for the movers that would pick up the item. I deposited the check on XX/XX/XXXX ( Ally deposit reference XXXX ), an initial {$300.00} was available on XX/XX/XXXX, and the full {$3400.00} amount was cleared into by account XX/XX/XXXX. After transferring {$2000.00} to the phone number provided above, I was told by Ally on XX/XX/XXXX that the check bounced. The scammer then contacted me to transfer more money to a different phone number XXXX. When Ally called, I was informed for the FIRST time that customers are recommended to place a freeze on their accounts when they receive checks from unknown contacts. I was also told that despite being sent an Ally email that confirmed the full amount was available, I was personally responsible for not using those funds for 7-10 days to ensure full clearance. My Ally account was immediately restricted for negative funds and fraudulent activity. This involved both the checking account associated with the check AND my investment savings account. Ally claimed that the investment savings account would not be affected by restricting the checking account access, but a quick call to Ally Investing dept confirmed that one username is used for all accounts. Therefore, I am not able to access any funds in my uninvolved investment savings account. A week after the initial fraud call, I had not received any communication from the Ally XXXX '. I called back to learn that I have been PERMANENTLY restricted/banned from Ally. This means they have also permanently barred me from the money in my investment savings account - money I need to start a new account at a different bank. I can not pay any credit card bills either. A representative recommended that I transfer my savings into my checking account to clear my debt incurred by the scammer! I filed a police report for scammer, but it also feels there is no accountability or security with Ally Bank. They kick out customers without notice after they accepted the same realistic check that I fell for. I've not only been robbed by a scammer, but by Ally as well since they're holding needed funds. There is no option to appeal once the Ally fraud hotline representative says the 'investigator ' made a final decision ; they bully you out of whatever money you entrusted to them. This feels like inappropriate behavior for an 'established ' bank. What is the point of a bank being insured? XXXX collectors are already contacting me for the indebted amount. Ally fraud case # XXXX. XXXX, VA police report # XXXX. Names used : XXXX XXXX, XXXX XXXX. XXXX Sender : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. Emails used : XXXX, XXXX, XXXX. Phone XXXX, XXXX, XXXX. XXXX ID : phone XXXX, XXXX or XXXX XXXX.
|
| 12/23/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I purchased a XXXX XXXX XXXX on XX/XX/XXXX. My loan was processed through Ally. My first year I had no problems. By. XX/XX/XXXX I needed a deferment. XX/XX/XXXX I was deemed 100 % unemployable by the Veteran Affairs. This caused a decrease in my finances. All of a sudden I started getting calls for my nephew XXXX XXXX..then when I called XXXX XXXX was also attaced to my account. I spoke to a rep and she said I had two accounts, yet XXXX was suppose to be mine. We continued discussion the account and we both were very confused. She told me her supervisor was out. Well several days later I called back..this time the supervisor can't remember his name..XXXX..he got real mad with me..actually he was XXXX. He hung up on me and the next morning the car was gone. I called Ally and all they would tell me was how much I had to pay to get it bqck. I went to XXXX XXXX XXXX for help. I paid 2600 plus dollars. I called to see where my car was and they told me I also had to pay for XXXX because my payments are due on the XXXX and I paid on the XXXX. I went and sent what they told me I had to do for XXXX or I couldnt get my car. When I got it it was muddy inside and out..money and dvd player movies amd music missing..as I started driving there was a loud noise. Turned out that one of my tires tread was stripped. Days later I went to check to make sure my account was current. It showed I owed for XXXX. I called, rep told me I hadnt paid for XXXX..I told her how I got my car back..she said I didnt pay enough to cover XXXX. I asked for an english speaking rep..she told me they will tell you the same thing and hung up. This just made me think even more that Ally had 2 different set of people cheating me. I did an online chat and was told I was current and it will be fixed within 24 hours. It was. Then a female called me stating she was in charge of my account..I told her this cant be..I dont want my car taken again. She said none should have repoed your car. Another red flag. She told me to pay 400 plus on line ... the next day I got a lettersaying to send a check. Confused yet again. I sent a l3ttef to Ally and XXXX XXXX called me about my concerns. He told me there was an error and he was going to see if A payment could be added to my account ... then he told me no. I asked him wbout the XXXX that the nasty guy told me that it wasnt expected so they applied it to principal. However XXXX told me the money was from a case I won from cfbp and. the department of justice.RED FLAG. He said the case was closed but he was going to look into it and call me back. For weeks I called him and he never answered. Then I got a copy of a letter Id never seen. Everytime I call or write them about an issue EVERYONE HAS A DIFFERENT LIE. IM suffering enough as it is with my health for them to be making it worse because Im up all night looking out the window to see if the car is gone. Mrs. XXXX at XXXX on XXXX XXXX worked my case and has proof of the inconsistencies with them.
|
| 05/29/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I have been working with Ally Financial in regards to my auto loan. The loan is currently past due and we were working on an extension to get me current. I had explained to them I fell behind due to family illness and my fathers passing and expenses incurred during that time period. The XXXX agent I talked to kept telling me I have to get a fax # for them to send documents and as explained I had nothing I would find a way to fax back but dont have a way to receive. This carried on for minutes of her telling me I have to get her this information. I felt it was very harassing how she was acting. I had called back later and talked to a different agent who explained there was no need to get them a fax it would come in the mail just fax back right away she said my extension information was sent over already and that they would process it once the payment was in but it would be approved once i made the payment. I called today XXXX/XXXX/2015 to give them my confirmation # for the payment made to get my extension approved and the female i talked to was completely rude. She said that nothing will be approved on this til they see the payment posted and the paperwork is all back. I explained that the other agents told me it would be approved within a few days and that to have it go thru fully i would need paperwork back and payment on file. She said that was wrong and nothing is going to be approved til everything is in hand. I asked if the paperwork was already sent as it was sent to the dept on wed she said she cant tell me that then said I have XXXX days to return everything or it wont be approved. I asked her XXXX days from what and she refused an answer. I explained that I should have at least XXXX days from the date of the letter because I cant send back a letter that hasnt been sent to me she said that if I dont get it back in I would need to make another payment and could apply for another XXXX later thats why I have to fax. I explained to her if she checked the notes that I have no way to receive a fax at this time but would have no problem finding a way to fax in but I 'm limited on resources and funds to do this. She was very rude in how she was telling me she sees a lot of places I could just go get the fax. I told her that I felt she was being rude then she started to argue saying she wasnt rude she was informative. I told her i felt she was being very rude and that I am already looking at filing Chapter XXXX due to financial hardship and am to the point of just including this just so I dont have to work with people who are being rude to me. I understand I am behind on payments but I am also a person and am trying to fix this I dont need people making me feel worse about myself by belittling me. I found it very harassing how she treated me as someone who works in customer service/collections had XXXX of my agents treated someone that way they would have been walked out the door. I have submitted a complaint and have case # XXXX.
|
| 03/16/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Older American |
|
Ally bank {$500.00} promotion is not fulfilled by the bank.
This is chat with Ally bank rep, XX/XX/XXXX : Info : You are now connected to XXXX.
XXXX, XX/XX/XXXX XXXX : Hello, this is XXXX from North Carolina with Ally Customer Care. Thank you for chatting with me today. How can I help you?
XXXX, XX/XX/XXXX You : My q. is about the bonus I supposed to get in XX/XX/XXXX.
XXXX, XX/XX/XXXX XXXX : I am bringing up your information now to get this looked into.
XXXX, XX/XX/XXXX You : Thanks XXXX, XX/XX/XXXX XXXX : This is referring to the XXXX you put in account XXXX on XX/XX/XXXX correct?
XXXX, XX/XX/XXXX You : Yes, XXXX XXXX, XX/XX/XXXX XXXX : Did you receive the enrollment e-mail and submit it online?
XXXX, XX/XX/XXXX You : Let me check my email for that XXXX, XX/XX/XXXX XXXX : Absolutely take your time.
XXXX, XX/XX/XXXX XXXX : " You're one step closer to getting your cash bonus ''. Is this what you are asking?
XXXX, XX/XX/XXXX XXXX : Correct where it tells you that you have enrolled now you need to fund the account.
XXXX, XX/XX/XXXX XXXX : There should be another e-mail letting you know you enrolled.
XXXX, XX/XX/XXXX XXXX : " Good news : You're enrolled in the cash bonus ''. XX/XX/XXXX XXXX, XX/XX/XXXX XXXX : Great I see the XXXX you added before XX/XX/XXXX and you kept it in there till XX/XX/XXXX. I am going to make a case to get this sent to bank operations.
XXXX, XX/XX/XXXX XXXX : You did use the e-mail on file correct XXXX?
XXXX, XX/XX/XXXX You : Yes, XXXX XXXX, XX/XX/XXXX XXXX : The XXXX you funded it with did you transfer that from an external bank or from another Ally account?
XXXX, XX/XX/XXXX You : From external bank XXXX, XX/XX/XXXX XXXX : Thank you for this information I am making a specialty case now. Could you please verify the best way to reach you by phone and mailing address just in case we reach out to you?
XXXX, XX/XX/XXXX You : XXXX XXXX, XX/XX/XXXX You : Mailing address should be on file.
XXXX, XX/XX/XXXX XXXX : this should only take me a few minutes to get this submitted and then I will have a case number for you.
You : Thanks XXXX, XX/XX/XXXX XXXX : XXXX is the case number.
XXXX, XX/XX/XXXX XXXX : This can take 7-10 business days to research and you will be reached out to with further information.
XXXX, XX/XX/XXXX You : Can you send me an email with this info, please?
XXXX, XX/XX/XXXX XXXX : I apologize I am not able to e-mail you directly but this has been added to your profile so even if you lose the number someone could bring up the information from the file.
XXXX, XX/XX/XXXX You : Okay, thanks very much. Good night.
As you can see I have case number from XX/XX/XXXX, XXXX is the case number.
Nobody ever contacted me from Ally bank.
I've called Ally bank many times to complain.
At one call ( XX/XX/XXXX ) rep elevated my case ( whatever this means ) and I have another case number : XXXX XXXX.
Again, nobody ever contacted me.
So, please help me to get my {$500.00} bonus.
Thanks.
|
| 04/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
On XX/XX/2023, I paid {$460.00} to Ally Financial via the Ally auto app. The same day an unauthorized third party attempted to wire funds from my XXXX checking account for over {$3000.00}. Because of this, XXXX XXXX completely shut down my account. Still, to this day, my account is being investigated by their asset management department, and I have lost all access until the investigation is final. Since I have no access, I had no way to verify that the payment to Ally cleared other than to rely on Ally themselves.
To do so, I utilized the Ally app, which I have relied on for the last three years, to make my payments and view my payment history. I logged in multiple times to verify that the payment was showing that it did, in fact, clear and there wasn't a payment owed. It was only in the following month, when the next payment was due that it reflected that I owed two monthly payments. I immediately made both payments and contacted Ally. At the time, I was advised that everything was current, and I had nothing to worry about regarding anything reporting to my credit negatively. Two days later, on XX/XX/XXXX, I received a notification from my credit monitoring software that a late payment was just reported to my report, and my score dropped XXXX points.
Again, I immediately called Ally and was told by the representative that he does see the XX/XX/XXXX payment, and he will submit this to the " Credit Department '' to remove this from my credit report. He advised me that it could take 45 days and suggested that I submit a dispute to help speed up the process. He then gave me a reference number to include in my dispute ( XXXX ). I immediately filed my dispute with the credit bureaus and followed up numerous times within the following weeks.
On XX/XX/XXXX, I received a notification that Ally had deemed the late payment valid and would not be removed from my credit report. I again contacted them immediately and spoke to two representatives that stated their credit department was not seeing the XX/XX/XXXX payment and requested that I send a screenshot of the payment history showing the XX/XX/XXXX payment. I sent them the screenshot and followed up via their instant online chat to ensure the requested document was received. The representative confirmed and called me to advise me that she would be escalating the matter to the appropriate department to ensure that this is resolved. On the same day, I emailed XXXX XXXX, the Director and Auto Executive of Customer Relations at Ally, and am still awaiting a response. I can not access my bank account or statements due to XXXX XXXX XXXX investigation.
This is not a mistake on my end. I have done all my due diligence in an attempt to get this matter rectified with no response. This has not only been detrimental to my perfect credit that I have worked extremely hard to build, but it is also preventing me from getting a federal job that I have spent almost a decade in college to obtain.
|
| 01/24/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
On XX/XX/XXXX I contacted Ally Bank over the phone to assist in changing a bank account information online as I moved from one state to another state I changed banking institutions from XXXX XXXX XXXX to a local credit union. The woman I spoke with was in the XXXX and she assisted me with setting up my payments with my new bank automatically on the XX/XX/XXXX of every month it should have been an even amount of {$230.00} every month on the XX/XX/XXXX I get a notification on my phone that I have an NSF fee of {$25.00} due to Ally Bank trying to draft XXXX dollars. On the XX/XX/XXXX I once again contacted the customer service phone number and got a hold of another lady in the XXXX by the name of XXXX badge number XXXX she assured me that she would and we would cancel the whole draft and resubmit the information again to start a new draft I would also need to make a one-time payment of XXXX for the month of XX/XX/XXXX and it would no longer draft XXXX dollars she gave me a confirmation number of XXXX XXXX and assured me that I would get a contact back by the XX/XX/XXXX to assist me and the refund of my {$25.00} due to this mistake XX/XX/XXXX came and went I never received a call I contacted customer service again this time speaking with XXXX badge number XXXX XXXX and he assured me that I would be getting a call back and that they needed more information they needed a copy of my bank statement faxed to direct pay gave me the same confirmation number and gave me the fax number I faxed over the information on the XX/XX/XXXX still have never received a call back and once again on the XX/XX/XXXX they drafted {$1200.00} for my account again on the XX/XX/XXXX I was charged {$25.00} NSF fee from my bank so I again contacted customer service at speaking with XXXX and she assured me that I would receive a call by the XX/XX/XXXX of somebody was working on my account specifically and she was also emailing her supervisor XXXX XXXX the XX/XX/XXXX Tuesday came and went I never received a call today is the XX/XX/XXXX and I contacted customer service again spoke with somebody in the United States by the name of XXXX she let me know that she would contact her supervisor XXXX XXXX was in a meeting and was unavailable and I would be getting a call back that somebody was specifically handling my information and that person will be calling me today I have now been charged {$230.00} for my normal payment which I do owe and it was on time and an additional {$50.00} and non sufficient funds fees do to them drafting the incorrect amount nobody will give me the corporate phone number in XXXX Minnesota they only give me a XXXX XXXX phone number XXXX XXXX XXXX XXXX is the worst company that I have had to deal with I have not been late with them I just simply wanted to change my accounts and have incurred additional fees due to their mistake and not receiving any calls back I need help to get ahold of somebody at their corporate office to get this resolved
|
| 10/19/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
Stated complaint 1. Ollo Card Services is delaying and/or refusing to apply my lawful tender of payment.
a. On XX/XX/XXXX I ( XXXX XXXX XXXX ) sent by mail a lawful tender of payment in the amount of XXXX which was more than the stated balance on the statement that was included in the mailing. Payment, along with the supporting documents were mailed to OLLO Card Services XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX. This address was stated in the Terms and Conditions as the proper address for correspondence and payments other that the regular payments.
b. After the allotted time allowed for mailing time and processing time, OLLO Card services has as of this morning XX/XX/XXXX still has my account marked as past due and has applied late fees.
c. Congressional record 73rd congress of 1933, page 79 states We have provided that any direct obligations of the United States or any notes, drafts, bills of exchange, or bankers ' acceptances acquired by Federal Reserve banks may be de- posited with the Treasurer of the United States or with the Federal Reserve agents, and upon these securities Federal Reserve bank notes may be issued. In case of the deposit of the obligations of the Government, the issue of Federal Reserve bank notes may be for the entire amount of such securities.
2. Violation of the Presidential Proclamation 2039 a. By failure to apply my lawful tender of payment OLLO Card Services has violated the Presidential Proclamation 2039 by violating the XXXXXXXX XXXX XXXX act.
b. Whereas it is provided in Section 16 of the said Act " That whoever shall willfully violate any of the provisions of this Act or of any license, rule, or regulation issued thereunder, and whoever shall willfully violate, neglect, or refuse to comply with any order of the President issued in compliance with the provisions of this Act, shall, upon conviction, be fined not more than {$10000.00}, or, if a natural person, imprisoned for not more than ten years, or both... " ; 3. Violation of Fair Credit Reporting Act sub section 603 ( 2 ) ( A ) ( iii ) - 15 USC SS 1684a ( 2 ) ( A ) ( iii ) failed to inform me how to opt-out of reporting a. In the letter dated XXXX, XXXX XXXX, it states, We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.
b. The letter does not contain any information as to how I can opt-out of said third party reporting as allowed by the Fair Credit Reporting Act.
c. 15 USC SS 1684a ( 2 ) ( A ) ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;
|
| 05/04/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Web |
Older American |
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I have been renting a condo unit for 2 years. The original owner had passed away. The condo association. had Certificate of Title for the property and was renting to me. I have a signed lease thru XX/XX/XXXX.The condo went into foreclosure last year. On XXXX XXXX, XXXX, Ally Bank purchased the property. In XXXX XXXX, they sent a Demand for Possession letter stating that I may have additional rights under the Protecting Tenants Act of XX/XX/XXXX, and asked for my lease copy. My realtor sent both Ally Bank and their lawyer, XXXX XXXX XXXX, XXXX, FL, the lease, proof of my timely rent payments and a letter asking where my rent payments should now be sent. No response to this letter was ever received from either Ally Bank or XXXX XXXX XXXX. In XXXX XXXX a Motion to Issue a Writ of Possession was taped to my door. ( on my end, everyone involved, my realtor, the condo assoc. lawyer, realtor for new owner assured me that my signed lease had to be honored ). On XXXX XXXX, XXXX, a Writ of Possession was taped to my door. Calls to XXXX XXXX XXXX by my realtor, myself and a local lawyer were fruitless. XXXX NOW said they would NOT honor my lease as they deemed it " invalid '' as it was signed after the foreclosure process started. My lease was signed XXXX XXXX. Ally purchased the property XXXX XXXX. They had never stated this to either me or my realtor until XXXX XXXX. They would not grant me an extension. They told my realtor ( not me ) that the sheriff was coming the next day at XXXX to evict me. This was XXXX and I had to scramble to get movers and work all night to pack what I could. Both the sheriff and eviction crew were very kind and they waited while I moved out what I could. I am XXXX years old and Ally Bank and XXXX XXXX XXXX put me out on the street even though I had a signed lease, paid rent timely for 2 years, and kept their property in good condition. Their actions were reprehensible. People need to be aware of their tactics. I am asking Ally Bank to reimburse me for the {$2000.00} moving and storage costs and the {$500.00} in refrigerated and food items I had to leave. No dollar value can be placed on the personal items I had to leave ... things that were to be given to my grandchildren, or on the unnecessary stress I suffered. Instead of sending notices saying " send a copy of your valid lease '', which we did XXXX times, they could have easily told my or my realtor they deemed my lease invalid. I surely would have moved out. I was prepared to leave at lease end anyway as I assumed they would be selling the property. Ally Bank 's slogan is " bank human '' ... .I think they should re-think that one. They and XXXX XXXX XXXX did not have the decency to honor a signed lease for 3 more months. It was easier for them to evict an innocent XXXX. The public needs to know how they operate and give pause before dealing with them. F.Y.I ... If you have a signed lease on a foreclosed property ... .beware, it may do you no good.
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| 10/06/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Public record information inaccurate
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Web |
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I leased a XXXX XXXX XXXX back in XX/XX/XXXX. The lease was for 39 months. My wife and I filed a Chapter XXXX bankruptcy in XX/XX/XXXX. Instead of including the XX/XX/XXXX XXXX in our chapter XXXX bankruptcy we agreed to a reaffirmation agreement with XXXX now Ally Financial. The reaffirmation agreement was signed by my wife, myself, and a representative of XXXX. Our attorney submitted the documentation to the courts on XX/XX/XXXX. I appeared in court on XX/XX/XXXX for the order on the reaffirmation agreement. The amount of the debt to be a reaffirmed was only for the remaining payments due on the lease which matured on XX/XX/XXXX. The judge approved the reaffirmation agreement on XX/XX/XXXX. All parties were notified by the courts. The XX/XX/XXXX XXXX was then returned to the XXXX XXXX XXXX in XXXX XXXX, Nevada in XX/XX/XXXX to the original creditor and the lease was complete and finished. The bankruptcy and final decree were completed as of XX/XX/XXXX. The XX/XX/XXXXXXXX was not included in the bankruptcy due to the fact that the reaffirmation agreement was approved by the judge.
XXXX is reporting that Ally Financial included the XX/XX/XXXX XXXX in the chapter XXXX bankruptcy and is also reporting recent activity on the account. This is illegal and against FCRA regulations. It has been well over seven years since the reaffirmation agreement was approved by the court. My bankruptcy attorney called Ally financial and spoke with a CC on XX/XX/XXXX to try and resolve the matter and was told that they did not have to change anything if they did not want to.
My wife called Ally financial on XX/XX/XXXX and spoke with XXXX. At first he could not pull anything up in their computer system about this account. He placed my wife on hold. Once he got back on the phone he told her that Ally Financial did in fact have all the court documents including the reaffirmation agreement along with the judges approval of the reaffirmation agreement. He proceeded to tell her that unfortunately the people that handle these cases had already left for the day. XXXX then admitted that Ally financial is reporting it wrong and that he would have someone from the department that handles such a thing change the coding and correct the information being reported incorrectly. This has been going on since XX/XX/XXXX with nothing being corrected. XXXX did admit that the chapter XXXX bankruptcy notation needed to be removed. He thought perhaps maybe it should be deleted entirely due to the age of the account. XXXX informed my wife that someone from the department that handles this would correct the coding and he would put a rush on it so that the credit bureau would be notified as soon as possible.
XXXX has also not done a proper investigationXXXX XXXX needs to look at all the court documentation and notifications from the judge and report this account as not included in the bankruptcy or delete it altogether. Again a violation of the FCRA regulations.
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| 06/02/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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Last week my mother and wrote me a check that falls within Ally 's deposit limits ( {$50000.00} ). I anticipated that a hold would be placed on the funds for 7-10 days, which I've found to be pretty standard for large sums that are atypical transactions.
I have 4 accounts with Ally : 1. HYSA, 2. checking, 3. Roth and 4. Traditional IRAs.
I deposited the check last Friday. Early Saturday morning ( XXXX ) I received a flurry of emails from Ally telling me to contact them immediately- that my accounts had been locked until I verified information.
ALL of my accounts had been locked. Not just the pending deposit, or even just the checking account that deposit was made to, ALL of my accounts were locked and are 100 % inaccessible- even to view.
I contacted them immediately ( per their email ) and was told that the representatives working were unable to answer any questions regarding my accounts, why they were ALL locked, and advised me that I would have to wait until Tuesday ( Monday was XXXX XXXX ) to speak with someone from Loss Prevention.
Tuesday : I was able to talk with a rep from Loss Prevention who told me they needed to verify the check with my mom 's bank before they could unlock my accounts. I asked to speak with a supervisor to discuss if they could release the lock on my savings and investments at least and was told that their supervisors don't take incoming calls .... so maybe they'd call me back once the rep talked with them. I did not hear back from anyone.
Wednesday : I give them the benefit of the doubt that they are working to get in touch with their fellow banking institution to verify the deposit. I confirm with my mom that the funds have cleared her bank.
Thursday : I call to check on the status as I still have no access to my accounts ( I can't even pull statements I need to send to a lender for a property transaction in progress ). I'm told that they got in touch with someone at my mom 's bank but that bank wouldn't release information about if the check was funded. They proposed NO next steps. I request to speak with a supervisor and am again denied.
As of this complaint my accounts have been unlocked- I received no notification and was informed after calling multiple times- the rep acted as though i just should have known.
I am in the process of purchasing property, which is what the gift from my mother is supporting. I am deeply concerned that I'm not going to be able to access these funds at closing and that there is a high likelihood that I will again be locked out of my investments and savings accounts when I attempt to use/transfer these funds ( another large transaction ). If even a deposit can result in this level of inaccessibility I can only imagine the same for a withdrawal.
At this point I want to move all of my funds out of Ally bank and am not able to get information from them as to the process by which to accomplish this without triggering additional account locks.
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| 04/19/2017 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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I have a vehicle loan with Ally financial. I have been behind on payments. XXXX years ago, Ally viol ated the FDCPA by contacting me in excess of XXXX times in a XXXX hour period. Almost immediately thereafter, they would accept my electronic payments, hold them for 30 days and then return the funds to my bank account stating that they suspected fraud. The payments had cleared an d Ally k ept the money for 30 days and then returned it. That action seemed retaliatory to me at the time, but I did as they requested and made payments through XXXX XXXX and XXXX XXXX for a period of time. The issue with that was, that after they returned so many of my payments, the amount I needed to pay was in excess of what I could send in a 30 day period through XXXX XXXX or XXXX XXXX . Then, they took my online access to my account away, so that I could n't even see if or when payments were being applied. After the repeated phone call incident, I did not want to speak to Ally over the phone any more and wanted to communicate with them in writing, so they took all of my accesses away so that I could not get any information except what they chose to send me in writing. I have been attempting to get the account back to current for quite some time now by making electronic bi-weekly payments of {$400.00} ( $ 800 monthly which is {$200.00} more than my monthly payment ). Ally has sent me email c orrespondence stating that they have options for me and can help me get my account back to current, but, whenever I respond in writing, I get nothing. I have to call if I want to take adv antage of the options, but, every time I call, I am told there are no options. Last week, I sent Ally a written proposed plan to get my account current and make bi weekly payments of {$500.00} to get my account caught up. Today, after months of accepting my biweekly electronic payments, they sent a payment back that they had held, again, for 30 days or more. There was no reason for that action. However, the last time I spoke with someone at Ally they stated that the only reason why Ally could not take legal action against me was because I continued making those {$400.00} payments. It seems as though this is again, a retaliatory action by Ally to make it nearly impossible for me to ever get my loan current because I am limited in how much I can send via their accepted payment methods. I believe it is unfair for them to hold my payment for 30 days, knowing it has cleared my bank, and then return it saying the payment is fraudulent. Ally seems to be trying to get me in to a position where they can sue me, but I am trying to do every and any thing I can to get this matter resolved. I have been treated very poorly and unfairly by Ally who is a ctive deceptively and also taking retaliatory action against me first, for reporting their FDCPA violations and now, for attempting to come to an alternative agreement for payment to resolve this matter.
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| 04/20/2017 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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I have been looking for a resolution from anyone that can assist me and it went on deaf ears since my first purchase of a XXXX XXXX XXXX as a co-signor with XXXX XXXX , and my XXXX purchase of a XXXX XXXX XXXX with the same problems. I complained to XXXX multiple times regarding the engine stalling on me. It would turn off in the middle of the street from the first year of purchase. When the car had XXXX miles on it I took it into XXXX due to the stalling issue. They could never find anything. This happened several times and I kept returning the car to XXXX and requesting the all points inspection to determine why the car was stalling. Nothing was found. I called XXXX and sent emails to the General Manager t o no avail. I finally had to return the car because it was too scary for m e to drive w hen it would stall and my children were in the car. The person for whom I co-signed had the same problems with the car. He brought it into to the dealer many times complaining about the stalling issue. He was almost in an accident because the car stalled on him when he was making a left turn. My credit has suffered due to the neglect of others not listening to a woman when purchasing a brand new car. ALLY had this predatory lending issue and I 'm not sure if XXXX is part of that conspiracy. I received a very small portion of my lending fees fro m Ally when the CFPB f ined Ally. I was not knowledgeable enough to know within that time span I was given a balloon loan due to the color of my skin according to the lawsuit against Ally. Now Ally is harassing me until XXXX as if ruining my credit was n't enough. I 'm not sure if XXXX was part of the lawsuit but what I am sure of is that I purchased a XXXX XXXX and they both had the same stalling issues. I called and emailed everyone I could think of and have the documents to prove it. I sent emails asking for help from the mechanics at XXXX and their supervisor. I was told " If the light was n't on to indicate where the problem is they wo n't know. '' In those words exactly. I was also told " If the car stops while you 're driving, at least it wo n't be your fault ''. I have XXXX kids and I service XXXX learners. There was no resolution. I took the car in to the service department over and over again for months with no resolution. When the cars were returned, my new car interest rate is high, and my credit score is really low. Each time I dispute and rant I receive no acknowledgment of my distress and no credit resolution. Then I found out that the XXXX is plagued with these problems since XXXX ! How could XXXX not know this issue with the cars they sold? I am a victim of XXXX and Ally 's predatory selling and lending and demand the CFPB review XXXX an d Ally . I now have XXXX collection accounts for these bad cars when XXXX should not have been selling them. Dealers and lenders are not supposed to prey on consumers.
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| 10/13/2017 |
Yes |
- Checking or savings account
- Savings account
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- Opening an account
- Unable to open an account
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Web |
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Hi, I recently tried to open a Savings account for my mother with Ally Bank. During the application, I input her SSN and other information. I answered some questions pertaining to her identity. At the end of the application, I was told that her account was under review and we would get a call back in a few days. On XX/XX/XXXX I got a call saying that Ally requested a copy of her drivers license to verify her identity. I then told them that her address is slightly different than the one listed on her DL. They then told me that was fine, but I would have to resubmit another application with the matching DL information. I did then, input her SSN, and answered all the questions again. They also gave me the fax number to submit her DL to just in case they need it for the next application. I submitted the new application and faxed in her DL on XX/XX/XXXX. On XX/XX/XXXX, I received an email at XXXXXXXX XXXX stating that 'we have been trying to reach you but have been unsuccessful. ' It goes on to say to please reach out to us regarding reference number XXXX. The email came from 'XXXX at Customer Service '. As soon as I saw the email, I contacted Ally bank. I first spoke to a representative, who told me 'I do n't know because that is n't my department ' so I then asked to be transferred to that department. I was transferred to XXXX XXXX, a supervisor.
I asked XXXX XXXX what was needed to finish the application. She read 'the notes ' that said we needed to submit a copy of the SSN card. I then informed her that we had already submitted the DL, and asked if she had used that as verification, as it is a 'valid government issued photo ID ', which is what they request in the application. She found it and then told me that regardless, they were requesting a copy of the SSN card in order to proceed with the application. I asked why they were requesting specifically it, and she simply said that she did n't know. I then asked to see if she could check with the department that made that decision so that I could get a better idea as to why specifically it was being requested. She contacted XXXX in the Applications Department. XXXX relayed to XXXX that the SSN was required. I then informed XXXX that due to the age of my mothers SSN card, it carries the words 'not to be used for identification purposes. ' After an extended hold, XXXX came back and told me that 'we are allowed to request anything because of the Patriot Act. ' I informed XXXX that is not how the Patriot Act works, you must cite specific articles in it. She said she did n't need to. I then said that under the FDIC 1020.220 'Customer Identification Programs ' and other FDIC articles, it is not even required to use a SSN to open an account, furthermore use a SSN Card for identification. She simply said 'The Patriot Act trumps all of that. ' I asked her if Ally bank abides by the FDIC regulations, and she told me that they did n't have to since the Patriot Act was enacted.
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| 05/05/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I went into XXXX XXXX ( XXXX XXXX XXXX ). On XX/XX/XXXX because XXXX XXXX , called my call phone and had told me that I had won a vacation from my last purchase. I was hesitate originally but I went in a few days later. I filled out the form for the " Vacation and booking ''. And then the next day I get a credit alert that I had applied for credit. I went back to XXXX XXXX . I then spoke with Owner XXXX XXXX and Co Owner ... XXXX XXXX . I was assured that this credit mark would be removed and that they would submit a dispute to you ; the credit bureau. Since XX/XX/XXXX I h ave not had any resolution with getting this unauthorized inquiry removed and deleted from my credit file. I have submitted this same kind of dispute to all XXXX credit bureaus and still no response. I have also attracted a letter signed and dated by XXXX XXXX that the credit pull on XX/XX/XXXX and in XX/XX/XXXX were both unauthorized and should not have been pulled on my credit just for a promotional vacation offer. Also somehow my credit filled was pulled and my score was lower again on XX/XX/XXXX . There was no explanation on how or why my credit was pulled this time either. I had n't even been into XXXX XXXX office since the last incident. I have attached a copy of the letters and also a re typed copy of the letter just in case it 's hard to read. I had to call the police because XXXX Attacked me tr ying to take the letter back after I threatened to sue him for ruining my credit report. I am asking that XXXX XXXX Inquiry be removed My my credit file. As for I did not give the company permission to pull my credit file. They also submitted my credit information to XXXX other company 's without authorization or consent. Including : Ally Financial Inc XXXX XXXX XXXX XXXX , MN XXXX The inquiry was submitted on XX/XX/XXXX and on XX/XX/XXXX w ithout authorization or consent. 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PA XXXX The inquiry was submitted on XX/XX/XXXX and again on XX/XX/XXXX . Both without authorization or consent. 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX The inquiry was submitted on XX/XX/XXXX and again on XX/XX/XXXX . B oth without authorization or consent. 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX, XXXX The inquiry was submitted on XX/XX/XXXX Without authorization or consent. 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX The inquiry was submitted on XX/XX/XXXX . Both without authorization or consent. I am asking for these unauthorized inquiries to be investigated and removed. I also think it 's fair that the derogatory effect be removed. I would like all my points back. I have contacted all the companies via certified mail and no one will respond.
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| 09/20/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account information incorrect
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Web |
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XXXX XXXX XXXX Birthday XX/XX/XXXX Ally Bank ( car loan ) XXXX XXXX XXXX, XXXX, MarylandXXXX ( address that's on account ) Phone XXXX Now I can't get in my account with Ally Bank and I tried for a few days so I can get a few statements How do I sue Ally Bank for reporting inaccurate information that hurted me and prevented me from attaing credit and a loan.
Reinvestigate the completeness of every piece of information that's associated with this account. If the information isn't accurate, I asked that your bureau remove this from my credit report. The payment history, balances, past due payments doesn't make sense.
Ally Bank said I owed XXXX with no payments due and now Ally Bank emailed a statement stating I owe XXXX as of today. Which is still incorrect I want all negative information removed from my report from Ally Bank please. Ally Bank decreased the late payments, which is still incorrect. Which means past due payment are still incorrect and dates that Ally Bank reported on report is still incorrect. My balances are incorrect, past due amount, missed payments are incorrect. My whole account is inaccurate just about. When you call they never allow you to talk to a supervisor so your problem can be addressed. This inaccurate information has prevent from recent loans. I want all negative reported information removed past due payments, incorrect balances, and missed payments removed. I had a Electric warrty on my car loan for XXXX and I canceled the warrty but never received a refund. Look at my payment history in the past, payments history is great. From Ally Bank incorrect information is preventing me from credit cards and loans.
Reported incorrect information such as balances, past due payments, when payment was paid, and how much is my car payment all this information is incorrect. The week of I XX/XX/XXXX, Ally Bank said I owed XXXX and some cents and now today they say I owe on XX/XX/XXXX Ally Bank say I owe XXXX, which is still incorrect. This Car has been paid off. These fees are false. I am providing statements and credit reports so you can see the inaccurate of information that has been reported. I had a Electric warrty on my vehicle which total XXXX and I canceled the warrty and I was never refunded the XXXX. Most of the information in this account is inaccurate that's been reported to the credit bureau. Ally Bank Car Loan # XXXX Report On XXXX XXXX XXXX it states I paid XXXX and then it states I am XXXX dollars past due. The amount due was XXXX and some change so I paid XXXX. I paid this payment on XX/XX/XXXX. My due date is XX/XX/XXXX which I wasn t late or past due.
XXXX Report : In XX/XX/XXXX This report don t list any payment information. It also states that my account is ok.
XXXX Report XX/XX/XXXX XXXX I have a past due payment of XXXX dollars.
XXXX/XXXX XXXX Report states I paid XXXX dollars with no past due payment.
XXXX Report XXXX payment history missing from account and some XXXX.
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| 12/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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On XX/XX/2022, I checked my XXXX XXXX. I noticed that my score had significantly dropped. I then saw that my car loan through Ally Financial was in collections. I had no idea why. I've made every payment on time. They take the payment automatically from my bank account. As I have set it up this way since the beginning of my loan. I called the number for Ally financial provided by XXXX XXXX. I talked to at least XXXX people who were just as confused as I. They kept passing me on to the next person. Finally, a gentle man named XXXX helped me. He read through the notes and said they made no sense. He said that there was a note stating that on XX/XX/2022 I said that I will no longer be paying my account, but that didn't make sense that was 2 days before my first payment on the Vehicle. he then interpreted it to mean XX/XX/2022, but which makes no sense to me because no such conversation was ever held, and all calls are recorded. He also stated that there was a plan to repo XXXX XXXX, but for what reason he was not sure because he could see from his end that all payments were made on time, never once late. Also, he states that my account was sent to collections on XXXX XXXX which also makes no sense, because my payment date is on the XXXX. Also, it's the day before the supposed phone call. Now my account is in collections. with an extra {$170.00} attached to it. My credit score has dropped by almost XXXX points. I have 3 days ( 11 days at the time, ) for my XXXX son and I to move, and my credit is too low to move into any place now. I've tried to find a room to rent for now, but nothing is available for a single father in XXXX XXXX at the moment. All the rooms I find for rent are either for single men with no children, female only, or single mothers. now I'll be stuck living out of hotel rooms which are very pricey and will not have a stove to cook for my son and I while I slowly work on fixing my credit. XXXX XXXX said the only way to immediately fix my credit was to pay the remaining balance in full, plus the additional extra fee before XXXX, which would be impossible for me. especially with my now very low credit score, I wouldn't even qualify for a loan to pay it off. He tried to get me a discount but wasn't able to. he was so upset for me he started cursing on the phone saying this is all XXXX. He apologized for what happened to me and set me up with a new payment plan starting the next month so I could enjoy my XXXX with my son. After doing the math myself the plan he gave me actually was interest free and saves me {$5100.00} in interest fees. But in the end, the situation still puts my son and I on the road without a home and nowhere to cook. Also, it would hinder my XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX a month. I also Have a XXXX to XXXX for the end of XXXX that is paying {$25000.00} that will have to be canceled XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 01/31/2021 |
Yes |
- Debt collection
- Auto debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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My husband wrecked his vehicle XXXX XXXX XXXX in XX/XX/XXXX. Up until then we were current on our truck note to Ally Financial Bank. The truck was rendered totaled by the insurance. We also notified the bank of the wreck. The bank Ally Financial gathered information from my husband that they needed to file with GAP so what our car insurance did not cover GAP could pick up and finish paying off the loan with Ally. My husband sent in the items requested for the bank to send to GAP which consisted of Affidavit of Accident ( Notarized ), Gap cancellation Request form, Gap claim checklist, a copy of the insurance company 's settlement check, and a copy of the official Police Report. We informed Ally Bank ( this had happened to us before ) we had received a letter from Gap stating if they did not receive all information they requested within 90 days they would not pay the remainder of the loss. Ally assured my husband they had everything they needed and it had already been turned in to Gap and everything would be taken care of. On XX/XX/XXXX we received a letter in the mail from Gap stating they did not receive everything they needed and was therefore relieved from their duty to pay off our vehicle. My husband again called Ally and informed them of the letter we received from GAP and they stated no they had it taken care of. When Ally started calling us wanting payments again around XXXX of XXXX my husband informed them they had said they had taken care of the payoff with Gap but received a letter stating otherwise. We then started receiving bills again in the mail from Ally for the totaled truck. I started making payments again on the truck since they did not take care of the issue with Gap. I sent a check for {$530.00} on XX/XX/XXXX. I also went on credit karma and filed a dispute because I felt like we were having to pay for something that Ally stated they had taken care of with Gap. After filing the complaint I no longer received another bill in the mail from Ally but there was a negative remark on my credit report from them stating " {$4000.00}, In Collections/ChargeOff, Account Status Derogatory, Charged off as bad debt Dispute resolved ; customer disagrees Closed XXXX XXXX '' Now I have started receiving a bill from their collections department. I had spoken with Ally prior to the collections and informed them since they had our conversation recorded then they should be able to pull it up and see where they informed my husband they had stated they had all the information they needed for Gap and that we no longer had to make payment since the truck was totaled Gap would take care of it. They said we are still liable and it would effect our credit if we didn't pay so that is why I started making the payments again XX/XX/XXXX. Then I never received another bill from Ally Financial after my payment and they added on my credit report they wrote it off and put negative remarks on my credit and sent it to collections.
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| 11/08/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I started my auto loan on XX/XX/XXXX. Ally Auto charged me XXXX percent interest on a XXXX XXXX XXXX because my fiance and I had just moved to Georgia from XXXX XXXXXXXX. We needed a car, so we took it.
I made the first payment on XX/XX/XXXX for {$400.00} and received a confirmation email.
I was not happy about the interest rate and decided to refinance through my credit union, XXXX. They set me up with a savings account to pay off Ally. My fiance, who is on the loan, put in the payment information wrong as a checking account but they managed to withdraw a payment of {$3100.00} on XX/XX/XXXX, and I received a confirmation email. I corrected the status of the account as a savings account after I called Ally and asked them to unlock my account, as my account was locked due to the error between checking and savings. I paid them {$13000.00} on XX/XX/XXXX, and received a confirmation email from Ally.
We had gone to the the car lot, XXXX of Georgia XXXX, and canceled the gap and warranty on the XXXX, because of the refinance. They sent a check to Ally for the canceled gap and warranty for {$2900.00}. Ally claimed they never received this check, so we went back to XXXX of Georgia XXXX and they said they didn't know why Ally hadn't cashed the check. We had them send a second check which they say Ally cashed on XX/XX/XXXX, and produced documentation, which I photographed.
Now Ally says they returned the check, I'm not sure why, and they are trying to charge me a returned check fee of {$710.00}. The check clearly wasn't returned.
Now I have called them today because they say my payoff is {$3100.00}, which oddly enough, is the payment they took on XX/XX/XXXX. They also tried to say this payment was returned to me, but my bank statement does not show {$3200.00} returned to my account. It says Ally withdrew that amount on XX/XX/XXXX. I specifically told the representative I spoke to, to not return the check.
Ally refuses to send me a XXXXXXXX XXXX so I can get my title. I have called numerous times and was promised the the XXXX XXXX was processed and would be sent to me in a light blue envelope, and was even given a XXXX XXXX processing transaction number, all to no avail. They continue to call and harass me for {$710.00} for a returned check that wasn't returned at all.
I've paid them {$20000.00} between myself and the car lot returning the gap and warranty, after they told us the payoff was {$17000.00}.
I've sent documentation to the email they gave me, XXXX proving they've been paid, but I never get a response, only collection calls and emails.
Had I known Ally has a reputation for charging extra money, repossession of vehicles without proper notice ( during the pandemic after advertising on their website and during calls that they will provide assistance if you can't pay ), and refusing to send titles or taking extra long to process titles, I would not have entered into a contract with Ally.
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| 12/13/2015 |
Yes |
- Consumer Loan
- Vehicle lease
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- Taking out the loan or lease
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Web |
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As part of a new lease agreement that I made through my dealership, I agreed to pay the remainder of my lease payments on my existing lease to the dealer. I signed the documents, furnished a lump sum for the remaining payments, and took delivery of the new vehicle and returned my old vehicle the next day.
At the end of that week, I received a notification that my payment on the previous lease had been taken out of my bank account. I called Ally Financial, explained to a customer service representative that I had returned the vehicle under that lease to the dealer at the beginning of he week, and that I had paid the remaining lease payments as part of my new agreement. After belittling me and telling me that I still owed the payment as well as the remaining lease payments as if I had n't just explained the situation XXXX different ways, the customer service representative told me that I might want to call my dealer because they have no info showing that my lease had been terminated.
I spoke with the salesman that I had dealt with throughout the lease process, and he told me that the processing might take some time. Now there are XXXX parties pointing fingers at one another. I called back Ally a week later, and spoke to another customer service representative who told me that they had received the remaining lease payments and notification that the lease had been terminated. Good, so how about refunding my extra lease payment? Ally refused to do that. They told me that they would evaluate the situation after the car was sold at auction and decide then whether to refund me the EXTRA payment. Again, they told me to talk to my dealer.
I left my salesperson a more somber correspondence because at the point I had become more than frustrated. I missed a package delivery from Ally financial later that week, which I expected to be my refund check. I went to the post office today to get the package, and of course it was n't a refund check. Rather, it was a notice of intent to sell my vehicle advising that I order a XXXX party appraisal on the vehicle in case there is a dispute over the value. I see where this is headed. I returned my car with no scratches, dents, or issues with under XXXX miles less than the lease agreement allowed. And I have not been in possession of the vehicle for almost a month so I have no clue how they would expect me to obtain an appraisal at this point.
Refusing to return an over-payment is n't only unfair, deceptive, and abusive, it 's consumer theft. I have paid every single payment for almost three years on-time and took wonderful care of the vehicle for the duration of the lease. I had considered purchasing the car at the end for the initially agreed on price, because it is probably worth much more than that number given the condition and the lack of miles. Unfortunately I made a grave misstep and now I 'm stuck being given the runaround by a predatory financial institution.
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| 12/10/2020 |
Yes |
- Debt collection
- Auto debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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I have been in constant contact with ally financial, i made a partial payment in XXXX, but full payments every month since, i have been trying to catch up the other part of the payment which is roughly XXXX/XXXX to bring it current.
I have requested for them to not call before XXXX as I am at work and it can get me in trouble and costs me my job, and they stated it was notated on my account to not call before XXXX.
Monday XX/XX/2020 Ally financial contacted me at XXXX XXXX and when i spoke to them on monday I again informed them that I am at work and can not talk and do not contact me before XXXX. The lady said it is notated in the account but they close at XXXX and i said fine then change it to XXXX but I am currently at work and I'm usually off between XXXX and XXXX and can't talk she continued to try to collect a payment from me after I informed her that I am at work and can not talk. she said she notated the account to not call before XXXX.
I told her I will call them Thursday XX/XX/XXXX in regards to the account and possible payment.
Today is Thursday XX/XX/XXXX and they called me at XXXX XXXX I answered and told them I'm at work and asked why are you contacting me during this time I just spoke to you guys monday telling you not to contact me before XXXX and that I will be giving you a call today after work. She hung up on.
I called them back, after speaking to the team lead at work to take a moment to handle this and I proceeded to speak to another lady at ally financial complaining about this situation. She apologized and said she is notating it in the account, i said it's been notated in the account, it used to be XXXX, then monday I said ok change it to XXXX because you guys close at XXXX, i requested to speak to a supervisor i spent the next 15 to 20 minutes on hold waiting for a supervisor.
The supervisor finally gets on, his name is XXXX, very nice very professional and says its notated and apologizes again as well. All of this for XXXX????????? I pay XXXX a month for a car payment.
My payment history isn't perfect but I pay the bill, this is the latest I've been with the bill and it's only a partial payment. they have threatened to repossess my vehicle by sending out a repo letter which I was able to get avoided by making my normal payment. The repo letter was because I'm XXXX behind, I have requested a rewrite in which I was informed that if i pay the XXXX they can rewrite my account to make my payments smaller. I was told this by the lady on monday 's call. XXXX, the supervisor informed me today that I have to pay XXXX plus XXXX for late charges before they can rewrite my contract to make the payments lower. I'm just trying to catch up on the bill and have been very forthcoming and very much in constant contact and communication with the company. Yet they keep calling during my work hours which i have asked them not to and they are telling me 2 different things.
|
| 11/27/2017 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
Older American |
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I questioned the charges at lease termination in XXXX 2017. I requested a copy of the lease because I misplaced mine. I reviewed it and sent them the following letter : Dear Sirs : I received your bill in XXXX for the lease settlement costs. I questioned the charges and requested a copy of my lease. Now that I have received and reviewed it, I have the following questions : 1. You invoiced me at the rate of {$32.00} per day for 23 days, a total of {$730.00}. The amount, according to the lease, should have been {$690.00} ( calculated as XXXX ( Section 29 of the Agreement ) times the Residual Value of {$17000.00} ( Section 7d of the Agreement ) times 23 days.
2. Your charge for excess wear on two tires exceeds the cost of two new tires of the same brand and type, XXXX XXXX XXXX. Ive enclosed a copy of an on-line ad, and there were several at similar prices, showing new XXXX XXXX XXXX tires to be {$120.00} each. You charged me {$190.00} for each tire. That seems a bit much to me. Again, there are tires on the vehicle, you are only supposed to be charging for excess wear, not a replacement tire.
3. You charged me {$110.00} for a missing Center Console Vent Trim. Honestly, I cant understand how it would be missing, if it was ever there. I am single. If anyone sat in the back seat, it was rare. I cant imagine them stealing the vent trim. Regardless, the item is {$18.00} on ebay. Hard to see how it could cost you more than 6 times that amount to obtain one.
4. The allowable mileage on the lease was XXXX. The mileage at the end of the lease was only XXXX. I understand there is no credit for unused miles, but in view of this and the reasons I put forth above, the other charges appear excessive to me.
I think the cost would be acceptable somewhere around {$800.00}. Above that I truly feel I am being unfairly gouged.
They called repeatedly, standard collection calls. I told them I had questioned some of the charges. I never ... NEVER ... received a response to the letter I sent in XXXX, neither by letter or telephone call. I did finally speak with someone who said that they could see that my questions had been reviewed and that the conclusion was that the charges were correct. No other explanation. I walked this person through the calculation of the fee for excess days and they concurred I was right and said they would ask again for it to be reviewed and I should check back in a week. I believe this was in XXXX. I did check back and got the same answer. It had been reviewed and it was correct. No other explanation for where the charges came from, why they were using the amounts they did, why the calculation was wrong per my reading of the contract. Nothing. So we have reached an impasse. I can not get any explanation for the charges, or any answers to my questions. I have never had a company just tell me I owed something and not be willing to explain where the amounts they want to charge me come from.
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| 08/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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I have been having issues with Ally Financial for months. My mother was gracious enough to help me purchase a vehicle. in XX/XX/XXXX. I had a financial hardship and i was unable to make my first payment and then found out i was about to be suspended from work. In XXXX, I called to see if i can get some type of extension. I spoke to 3 different people. i asked the first representative if i could make bi weekly payments based on my pay schedule to avoid these issues. i was told no and that i would be charged a late fee every time i paid. the second representative i spoke i told them about my suspension and what my hardship was, she kept twisting my story and saying that i was fired which was incorrect. another gentleman i spoke with was rude and stated well were taking your car and itll be repossessed. not even trying to understand my situation or assist me. since then ive spoken to nothing but rude ans disrespectful agents and they have tried to charge my bank account multiple time with a result in high fees. i spoke to a lady last week who again had a snappy attitude stating how much i had to pay and gave me the incorrect information for payment through XXXX XXXX. so when i finally got a full paycheck when i got back to work this past week i called on friday 3 different numbers up to 12 times and was hung up on at least 5-6 times. i then received a collection call ON A SUNDAY. So monday i spoke with a lady who was nice and i told her i placed the payment in the mail. She said she would notate my account and said she would not remove the repossession because i am now 1 month behind. she said once i pay the amount of {$510.00} and i call and let them know and she will close the account. and once the payment i mailed out comes through she will add it to the account later on but i would be okay because then i would only have XXXX to pay. on tuesday, XX/XX/XXXX at XXXX a tow truck snuck into my moms development and took the car out of the driveway. I called ally financial monday morning and the refused to give me the information about where my car is and told me i had to wait until thursday to call and ask for it. i asked could i dispute the repossession and was transferred to the Worst supervisor i have ever dealt with in my life. told me stop interrupting him. i told him i was given incorrect information, and was talking to me like i am a child which i am not one. and then began to speak to me as if i am illiterate or slow. and when i asked him for the information for my car he said no, you can call back on thursday.
I understand that i am at fault for my payments being behind but i am doing the best i can. i am partially homeless, i have XXXX XXXX and i need my car. i have explained my situation over and over and they just have been the worst to deal with. I am not sure what filing this will do but if i could get some type if help dealing with this i would be so grateful and appreciative.
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| 07/15/2021 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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|
Web |
Older American, Servicemember |
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I opened an account on or around XX/XX/XXXX. I setup online banking but since then have had nothing but issues accessing my account ( They block access ). It is continually blocked and I have to spend hours on the phone with customer support/ fraud specialists verifying I am who I say I am. On my last phone call XXXX setup a series of special questions ( per the customer service representative ) to avoid having to spend hours on the phone while the fraud specialist googles my name for info. Great, I thought. No such luck. While attempting to transfer money from my Ally account to another bank ( Both accounts registered to me ) my account was locked yet again. I called customer service and answered all the security questions ( the ones they assured me would verify my identity ) but no they transfer me to a fraud specialist.
On this phone call the woman advised that she need to verify my identity with documents.
1 ). a photo front and back of drivers license.
2 ). a photo front and back of social security card 3 ). current bill i.e. credit card, utility bill 4 ). a photo of me HOLDING drivers license.
That seemed like a lot to go through since I had already verified my identity. But, I gathered up the documents, took photos and sent them as requested. One of the photos is myself holding the drivers license.
I called back in. Once again I was required to verify myself through with my security questions I had setup. Once again I was transferred to a fraud specialist. I explained the issue. Once again I spent another 45 mins while the fraud specialist l researched my name and came up with specific questions only I would know. Every few mins they would put me on hold, look up something and return with another question or two. Obviously, I answered all the questions correctly. Just as I believed XXXX XXXX the fraud specialist ) was about to release the block he put me on hold one last time. He came back on line " XXXX, I have one last question. When was you security card issued? '' Really? I am XXXX XXXX XXXX. I have no idea when my social security was issued. My wife ( ex wife ) and I applied for my two sons when they were 5 or 6. My parents passed away in XXXX and XXXX. Not as if I could have asked them. If I may ask to whom ever is reading this? Do YOU know when your social security card was issued?
I understand fraud protection and the need for security but this goes beyond/ This is harassment. To make a customer call in every time the bank gets an alert and then to have to sit on the phone answering questions is ridiculous.
As of today my account is still locked. I am a XXXX veteran on social security and the bank has blocked my only source of income.
I have been visiting my son in XXXX California and Ally Bank did not believe I was in XXXX XXXX / XXXX XXXX California. Ive attached a photo of ME holding a newspaper. Please zoom in and see the date XX/XX/XXXX. That was yesterday.
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| 07/27/2018 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Funds not received from closed account
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Web |
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I opened a bank account with Ally bank on XX/XX/2018. That same day, I deposited a check from my employer into the account. The check went through and the money was available. On XX/XX/XXXX, my account was locked. I hadn't spent any money or messed with the account at all. I called the bank to figure out what was wrong. An agent asked me to email my passport and a utility bill to XXXX. I sent this information on XX/XX/2018 which was the next day.
On the same night of the XXXX, I received a phone call from a woman from the bank. She said that none of my information was able to be verified. I was confused and ask why? She said she was unable to answer the question and just that they have their own ways to verify and that my documents were not good. I was still confused and pressed why and asked what I could do. She said I could send in more documentation. While I was preparing to send, I was still very confused about my passport not being good as I have traveled with it and used it for ID many times. After going back and forth, I asked if I could just somehow get my money out. She quickly put me on hold and came back to tell me she has decided to close my account. I asked why she called for more documents if she wasn't giving me a chance to even submit them anymore. I asked if there was any way to keep it open. She said no and this was just a courtesy call to tell me they were closing the account even though she started the call asking for more documents.
I asked how I would get my money which was XXXX {$4800.00}. I had no fees as I had never used the account yet other than depositing my check. She said I would not get my money back.
This is the start of my complaint. Why will I not get my money back? She says the bank will give my money to my employer and it is up to them if they want to give it back to me. She said the bank is not responsible to give me my money back. I asked if she could email me some documentation that I could show to my employer to prove that my money was sent to them but she said no. I asked if I could have anything written to prove this conversation happened at all, she said no.
This is a lot of money for a bank to just take, or to give back to my employer with no proof that they gave it back or that my employer received it.
I was under the impression from my limited research that when banks close accounts, they must return the money minus any fees to the account holder. I didn't owe any fees, so I think I should be returned my money in its entirety.
As of now, the bank no longer answers any emails I send and the customer representatives say my account belongs to a woman and I can only talk to her about it. She does not answer the phone and voice mail is not available.
They have locked all access to my account so I have no way to access any statements or account numbers. All I have is the original check that I deposited and the emails the bank sent me.
|
| 08/26/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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To whom it may concern, I recently was a victim of one of my investment accounts being compromised. It is my XXXX investment account, my banking information y Ally bank ) was saved on my account. The culprit drained my bank account balance and was able to send off any balance making the transaction irreversible. I contacted XXXX and they have locked my account. Attached below is emails of a different ip address accessing my email and my kraken account. I only have purchased bitcoin, based on the emails it looks like the culprit bought different currency which I am not familiar with whatsoever. They were able to get into my email. On XX/XX/XXXX, this ip address was able to login to my kraken account, this is not my ip address. I provided this same information to Ally and they have yet to give me a response.
I immediately notified my banking institution, Ally bank and they were helpful to an extent. I spoke to their claim and disputes department and they went ahead and reimbursed me my funds.
My issue now is they have completely restricted my access to my bank account and I have my entire life saving in there. I am being treated like an absolute criminal by Ally. They will not clarify or give me any time lines to when I can access my funds. I have an auto loan with Ally as well that I can not pay because they have locked my account. All my money is in this account and its been affecting my day to day, I can not pay my bills, car payments or do anything. When I call them, they are rude and do not want to help me. I have went ahead and filed a police report to pursue who originally had accessed my information and drained my accounts, however I do not have any clarity on how this happened or why Ally did not freeze my account seeing that it was being drained. I have exhausted all options and I have kids to feed and I cant even buy food let alone get gas for my car. This is completely unacceptable. I have more than XXXX in the account that I do not have access to and no one is helped me. This is stressing me out and is unacceptable. Telling me to just wait, or putting me on long hold times or talking to me like Im a XXXX when I trusted this institution with my funds to begin with. I am at a loss for words this is unacceptable I have no access to my money! It feels like no one is listening to me or understanding the severity of my situation at Ally, again to reiterate I have no access to any of my money and it WILL start to affect my payments being paid on time and affect my credit. I have called Ally every day only to be told to wait, I can not wait when I have bills to pay. They are thieves and should be audited and investigated.
Attached below are screenshots of unauthorized access to my email on the XXXX, unauthorized access to my kraken account on the XXXX a copy of my police case number ( in regards to my email and kraken accounts being compromised ) and all my emails to ally.
|
| 03/14/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
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I got behind due to reduced income as a result of the pandemic. I tried to get assistance through Ally, my lender in XXXX. What I really wanted was a repayment plan to get caught up. The person who answered the phone somehow doesn't have the authority to access my account. So he transferred me to another department. The new department said that it is the job of the previous department to assist with this request. They transferred me to another person who said I should just call back another day and the call ended. The company started calling me at work hours. Every time they called, they would hang up after the first ring and I didn't have time to answer or I had a notice of a call and it had never rang. I finally was able to call back. This time the person I spoke with said I could have an extension.after many questions, It sounded like he was trying to offer forbearance. He said the pYmenr would be made at the end of the loan. I asked it this would be a balloon payment. He had no idea what that meant. So he transferred me to a female who was extremely irritated that he was bothered. She refused to answer the question because she didn't see that I hand been approved for nor did I have an extension. She told me that I had to ask for it on the app andd the call was terminated. I sent another message about this on the app. I paid my payment for XXXX online. And I got a response to my written request. The response was that I had to call them. They continue to call me at work during work hours. I did finally catch one of their calls. It was someone thanking me for my payment and sing I was up to date. I said that seemed strange because of how I had been behind. She said she had not looked at the account and when she did she said that she guessed am behind and to make a payment. I called back this evening. I explained what has been happening and that I needed. She said she would give me rips on paying my bill. I told her that is not what I need. I need a repayment plan. She too said something about an extension and then told me that time it is and that they close in 30 minutes. She then said I should make more smaller payments through the month. I finally said I didn't think we were.cimmunicaribg because she is not giving me what I am asking.for so I asked to speak to a supervisor. She said no. I asked her to clarify and that she was denying.my request to speak to a supervisor. And she said that I may not speak to a supervisor. I asked he for her identification number because I would be including it here in this complaint. She said it is XXXX. I just want to be able to get caught up. I thought lenders/loan servicers were supposed to h be helpful during this pandemic. Up until now, they have been everything bit helps. They need to pay a fine for the run around and heartache they are providing me. They should figive at lesst half of the XXXX of arrears because of their unwillingness to help.
|
| 03/24/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I am reaching out after experiencing the most frustrating phone call with your Customer Service Representatives.
In XXXX XXXX, my XXXX financed through Ally Financial was totaled. My personal insurance and GAP insurance covered the expenses leaving a $ 3,300+ balance for me to pay. I call Ally Auto to inquire about the payment terms/dates in late XXXX early XXXX. I was informed I would not have to resume payment until XXXX after my original contract date was up. I was excited as that would afford me the funds to purchase another car, keep my job, and stay current on my student loans. Yay me! I asked for the billing statement for my records. Received in the mail shortly after and moved on with life.
Fast Forward : In late XXXX I pulled my credit report. I noticed that there were XXXX 30 day late payments on behalf of Ally. I was sure that those were erroneous as I entered into a payment arrangement. I called and after being transferred a few times I reached a very helpful gentleman that recognized the error and put in a request to be overturned. As we ended the call he informed me that my next payment was due XXXX XXXX, XXXX. In complete shock, I asked why and informed him of the situation outlined above. He followed up with another department and told me I would receive a call back and if not to call in XXXX weeks.
Today, XXXX XXXX, XXXX : I never received a call and took it upon myself to reach out since then I received a new bill in the mail with the XXXX XXXX date. After being transferred a few times I reached XXXX badge no. XXXX. At first I was happy, she was going to help right? Wrong! I explained the issue that I was told in writing that my payment was n't due until XXXX. She explained that there was nothing that she could do except for transfer me to make a payment arrangement for the current due date. I explained that I have since rearranged my life and I do n't have an additional {$500.00} to pay based on information Ally provided.
After trying to convince me that the payments on the account were still pending until XXXX, I went back to my file and pulled documentation stating that both policies were paid out in XXXX/XXXX XXXX. So why would a reassessment of my account take place in XXXX XXXX? She then told me that it was policy. Ally requested an extension to find out why GAP did not cover the remaining balance. Here is my issue. Ally never informed me. I never received a call, letter, or e-mail stating this, and that the billing date once issued could change as a result of this extension. Also, why would this take an upwards of 5 months to complete? After requesting to speak to a supervisor she told me no one would take my call, but I will receive a call within 2 days telling me that nothing could be done. My question to whomever is reading this is : Can something be done? I want to be responsible, but I would love to be met half way and that the error be acknowledged.
|
| 03/21/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
Older American |
|
Ally has not responded to resolve the discrimination complaint of XX/XX/2017.
ref # XXXX Based on the response from Ally, XXXX, of XX/XX/2017 It is apparent that further investigation is warranted into the policies and practices of Ally used to determine credit worthiness.
This XX/XX/2017 response from Ally is ambiguous, appears to be in conflict with itself, and is potentially misleading. Nowhere in this response is there supporting information that one can conclude Ally has not acted within a posture of age discrimination to determine credit worthiness. Simply reiterating a statement that " Ally takes claims of discrimination very seriously '' does nothing to support that Ally has not acted in just such a posture. Indeed, the lack of specificity and clarity begs the question.
What is the criteria, specifically, which Ally would have approved this TOE? Income? How much? Use of available credit accounts? Be specific. Available cash on hand in a bank account? What exactly are those quantifiable " merits ''? My credit history reflects an unblemished credit score of XXXX and a practice of XXXX balancing credit card statements every month for years. Surely this must have some weight in the formula for credit worthiness.
Further, please elaborate and explain the portion of the statement referring to the credit inquiry made in XX/XX/2017 that reads, " since we did not use the accurate information upon receipt of your TOE application ''.
Ally has not and did not request or receive any additional information from myself since the initial mailing of the Ally TOE application of XX/XX/2017. Ally did not have " a permissible purpose '' to access my credit report in XX/XX/2017 in connection with evaluating the Ally TOE application.
Additionally, the XX/XX/2017 letter to CFPB states that " an 'accurate ' declination letter will be mailed to you under separate cover at the address on the application indicating the reasons for our decision ''. This letter has not been received. Waiting for this letter to show up has caused yet further delay in my responding herein, and with each day of delay from Ally, it costs me more money to pursue the acquisition of a vehicle not to mention the induced frustration. The letter that Ally did XXXX mail to me under separate cover is a copy of the letter sent through the CFPB complaint system. Yet again, one can see how the Ally response letter is fraught with ambiguity.
For the reasons stated above, I hereby demand that Ally, immediately, remove the unwarranted credit inquiry made in XX/XX/2017 so as not to further delay and constrain my vehicle acquisition initiative and promptly notify me through the CFPB complaint process when this action is taken.
It is my sincere hope that future communications from Ally do not lead to more granular questioning, costs, and further, damaging time delays. Please include the CFPB in ALL communications.
Sincerely.
|
| 10/19/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
Servicemember |
|
I took over the lease of this vehicle from another man. The subject vehicle was returned in XX/XX/2017. When I returned the vehicle, nothing was said regarding any issues. Sometime later, I received a letter from Ally stating that the rear of the car or back of the car was missing and I had to pay around {$500.00} for it. I called the Ally help desk and was told repeatedly that the back of the car or rear of the car was gone and I owed Ally for it. I pointed out that were the back of the car missing it would be significantly higher than {$500.00} so none of this made any sense. I then asked to speak to a manager and they said a manager would call me. No such call was received.
What followed was a morass of calls ( and letters ) from Ally demanding payment, with me continually stating that the back of the car was there when I turned the car in. It did not matter to the person calling, I owed Ally money for the back of the car.
At some point ( over a month after turning the car in ) someone at Ally told me that it was not the back of the car that was missing, but rather the charging unit for the XXXX ( it is an electric car ). I told this person that I did have the charging unit. When I took over the lease from the prior lessee, he gave me the charger ( he was giving it to me with the car and I understood it was his personal property which he did not need anymore ). I was not aware that the charging unit was to be returned with the car. In any event, I told the Ally representative that I did have the charging unit and would gladly drop it off for Ally. I was told it was now too late and that I must pay for the charger ( roughly {$500.00} ).
I told the Ally representative, and have repeated it many times to the numerous calls seeking money from me, that I was glad to return the charger but would not pay for it. Since Ally did not tell me what the actual problem was for well over a month, I was not paying for a charging unit when your firm told me that I owed Ally for the back of the car.
The upshot of this is I recently tried to get a loan from XXXX on my home. While I would normally not have had a problem getting a loan, this issue with Ally regarding the lease of the subject vehicle is significantly and negatively impacting my credit score. The amount of the loan was limited, and according to XXXX, I was now paying 88 more basis point for the loan due to my credit score having fallen more than 200 points. The reason for the credit score falling was Ally reporting me as delinquent on this loan. This is all in spite of the fact that to XXXX knowledge I had no other payment/credit problem in my life ( I am not a young man ).
If you check both written correspondence as well as the many recorded ( by Ally ) telephone calls you will find what I am telling you is accurate. I ask my credit score be fixed. I am, as always, more than willing to return the vehicles charging unit..
|
| 05/31/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
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My car was wrecked on XX/XX/XXXX and deemed a total loss on XX/XX/XXXX. One week later the insurance total loss adjuster established the total payout amount for the car. I gave the adjuster the finance company contact information in order for her to get the total payout amount for the wrecked vehicle in order to settle the amount due. Around XX/XX/XXXX I received a call from the finance company stating that my payment was past due. I informed them that I no longer had possession of the vehicle, it had been total loss due to an accident and that the insurance company were given their contact information in order to pay off the car. Immediately after I called the total loss adjuster and informed her of what the finance company stated concerning the payment, she stated they would " cut the check immediately. '' Three weeks later, after receiving no follow up from the insurance company or the finance company and assuming the payout check had been received, I noticed a change on my credit report. The finance company has reported my car payment as 30-59 days late and has caused my credit score to plummet. So I contacted the insurance company to see why they have yet to pay off this vehicle they now have possession of, they informed me that for 3 weeks the finance company hasn't answered their phone calls and is refusing to send a letter of guarantee in order for insurance to pay off the car. I contacted Ally several times in which they continually lied to me stating they have received no correspondence from insurance and refusing to allow me to speak to a manager or supervisor. Even with knowledge of the accident and after receiving numerous calls from insurance they have continued to add daily finance charges for each day they can drag things out. They are also continuing to report these bogus charges in my credit report, drastically affecting my credit. On XX/XX/XXXX I filed a complaint to the XXXX. After receiving the complaint, Ally finally acknowledged the correspondence from insurance and sent the letter of guarantee, which states that if they send the pay out amount the determined for the value of the vehicle they will take possession of the vehicle and own the vehicle. On XX/XX/XXXX the insurance company issued the pay out check, sending me a confirmation email when they issued it. Ally has yet to update the balance owed and continues to add additional finance fees although they have received pay out from insurance. They are still reporting these bogus charges on my credit report. They are also refusing to file the GAP insurance I purchased with the vehicle in the event of an accident, GAP would cover any additional charges that insurance didn't pay. I have not had possession of this vehicle since XX/XX/XXXX. This is not fair and should be illegal! Ally customer service is a joke! They will lie to you before you can take a breath. They all crooked and should be SHUT DOWN!
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| 02/24/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Problem after you declared or threatened to declare bankruptcy
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Web |
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XXXX XXXX I purchased a XXXX XXXX XXXX it was financed through ALLY Finical and I got behind on payments. They repossessed my car in XX/XX/XXXX and I was forced to file XXXX XXXX When purchased the car I was XXXX well I went into XXXX XXXX my daughter was a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I explained to ALLY that the month of XXXX I almost lost XXXX kids it was very traumatic for us, She came home in XX/XX/XXXX a couple weeks before they repossessed my car over XXXX that was at 90 days which I didn't get a notification then and I had also spoke with Ally and told them that the same month XXXX I found out that my son had XXXX he had to be hospitalized so I was not able to work. They sent the notice to cure to an old address but picked the car up from my new address which they claimed they didn't have. They done this again a couple weeks ago claiming they didn't have the address but picked it up from my current address. As far as the bankruptcy goes we fell behind because of the pandemic that hit my husband had to take time off because we had 2 vulnerable kids. So the bankruptcy was dismissed because we couldn't afford the XXXX a month payments. So time went on the bankruptcy was dismissed in XX/XX/XXXX and on my credit it shows that the account was closed with a XXXX balance. Ally never sent notice to cure to me I just caught the repo man taking my car and I did not have a problem making arrangements if they would have contacted me they had my number it has not changed no one called and or emailed so how was I supposed to know. Now they want XXXX to get the car back that they stole from me. I do not have a problem setting an arrangement with them, But I do not have XXXX to get car back they should have properly notified me and we could have discussed payment .We are in the middle of a pandemic I NEED my car I can not take my kids one who has to have XXXX every XXXX weeks and can not use public transportation. I would like to have my car returned with a reasonable amount to get it back and start over with making payments, This is one thing that I would not have just disregarded, my kids depend on this, and a home those are 2 things that we have to have, Its frustrating dealing with them because they do not do fairly and do not notify like they are supposed to, They knew that I did not live in XXXX XXXX but yet they continue to send the notice to cure to that address knowing I wont get it and that the mail will get returned to them but they pick my car up from the place where I live but cant send notice or call the same number that I have had for 4 years and they sent me an email XX/XX/XXXX but said nothing about getting a hold of them or to call them. I do not understand how these companies keep getting away with this as if the law does not pertain to them,
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| 11/13/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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Complaint Against- Ally Financial ( Auto ) XXXX. XXXX XXXX XXXX, MN. XXXX XXXX Account # XXXX Complaint- Excessive charges not explained I co-Signed for a car loan for my son a little more than two years ago. My son got behind on the payments and the car got reposed. This happened on XX/XX/2018. I immediately paid the amount due of {$1500.00} plus a XXXX XXXX fee that night. The breakdown was as follows : Past due payments- ( XXXX and 3 of XXXX ) = {$1000.00} Late charges = {$77.00} Expenses ( retaking and holding the vehicle= {$400.00} XXXX XXXX fee- {$9.00} We had made plans to pick up the car the next day at XXXX XXXX XXXX in XXXX Texas. No one informed us that they are closed for auctions on Thursday afternoon. We had to wait until the very next day, which we did in the pouring rain. When I got there, I asked what their fees where and I had my credit card in my hand. They said there were not any fees ; they were taken care of by the lender. I wanted a clean slate, since I was taking over the payments.
The next payment was due on the XXXX which I could not make because the paper work was still in the recovery peoples hands. I had to wait until the paperwork was transferred before I could make another payment. At that time it would be late. When I finally got to do so on XX/XX/2018 ; they told me there was a balance still due of another {$220.00}. I asked for a breakdown of the charges, I was told that a supervisor will need to get that for me. I was given a case # XXXX and her ID # XXXX. She told me I would get a call back in 24-48 hours. I made the payment online and sent a message via the site that I need a call back with the information on the additional charges. I never got any call back. I tried a few weeks later to get someone to send me the charges in writing. I was transferred from the customer service people to the recovery department. Besides from being rude they told me that the charges where for transport fees since they had to move the vehicle. I told them I picked it up as soon as possible and the vehicle was never moved from where they originally towed it to. I asked them to put these fees in the back of the note until they can explain what they were for in writing. They said they were but they show up as past due on the site. Everything they told me was a lie. Apparently its not illegal to lie to people just inmoral.
I believe we are entitled to an explanation of excessive fees before we are liable and forced to pay them. I do not believe they are NOT an honest company. I highly recommend anyone NOT to do business with these substandard lenders. I wanted nothing more than to start off with a clean slate. They make sure that this will not happened! The American public needs to do a class action lawsuit against these types of rip off companies taking advantage of people!
Please help us- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX
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| 06/27/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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THIS IS NOT A DUPLICATE! THIS IS NOT A DUPLICATE!
The last complaint was not a duplicate. Below is the same complaint with different circumstances from the first. The first was transferred from the Federal Reserve.
On, or about XX/XX/XXXX of this year, I file a complaint with Ally financial in regard to the way they have handled payments I made online toward my auto loan. I have been late for quite some time I know, but in XX/XX/XXXX Ally made some shady transactions involving my account. I spoke to a representative on XX/XX/XXXX about my loan. The conversation got heated, and I could tell the rep was upset. When it was all said and done, I told him that I would be making a payment online that night. I made the payment, and got a confirmation number. I thought nothing of it, until I went back online to look at my account on XX/XX/XXXX. When I entered my account I saw where there had been several transactions. There were three " reversals '' and one " return '' on the XXXX and XXXX. So I called Ally that day and they had no explanation. I made another payment that day. I then filed a complaint with CFPB to which the institution said they had conducted an investigation and determined that it was my fault, that I had clicked on a account that had been closed to make the payment. I told the representative that it was impossible for me to do that because there were no other accounts showing as method of payment. She told me I was wrong and their system was showing one. I told her I would send her a screen shot of my account and the payment methods listed. She would not let me do it. I then started my own investigation where I found some interesting stuff. One, during the course of the last year, the months that payments were applied the loan balance did not match. Example, in XX/XX/XXXX a payment was made of {$500.00} for the month of XX/XX/XXXX. The loan balance went from {$10000.00}, to {$9600.00}. That is a difference of {$980.00}, much more than the paid amount. But then, a payment was made in XX/XX/XXXX of {$500.00}. The loan balance stayed the same at {$9600.00}. Then in the month that got this all started, XX/XX/XXXX there was another instance where there was no change. My personal belief is that the representative that got mad at me had a personal agenda. If he stopped the payment, and reverses another, that would accelerate a re-possession, and or would make me have to come out of pocket for a much larger amount of money. I am including monthly statements and the letter that I received, along with screen shots of my account. Look closely at the " due dates '' and " date paid '' on the statements. From XX/XX/XXXX to XX/XX/XXXX, there is no change. Yet I made a payment on XX/XX/XXXX that was reversed and returned, and then another on XX/XX/XXXX that is not reflected. I have been paying a monthly payment of {$500.00} every month, yet the balances are different.
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| 05/18/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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In XX/XX/XXXX three luxury cars were purchased without my consent, using my information as well as falsified documents. I reported the incident to the original lender and ( at personal expense ) had the vehicles that were purchased using my information returned to the dealership from which they were purchased on a flat bed truck. I explained the situation to the dealership owner and numerous staff members, none of whom assisted me. I filed a police report with the XXXX Police Department Economic Crimes Unit. I answered countless questions and spent hours on the phone talking to these banks daily. I have disputed these debts numerous times with all three credit bureaus and will continue to do so until the situation is resolved.
One lender responded to the situation and forced the dealer to buy back the vehicle involved in their transaction, in XX/XX/XXXX
At this point in time the lenders have recovered the two remaining cars and have sold them at auction. They and their collection agencies have been harassing me since XX/XX/XXXX. I have made every attempt within reason to cooperate with the lenders, but the fact remains that the lenders continue to make my life difficult. Not only has this incident ruined my credit, but I have spent countless hours on phone calls that happen, at all hours of the day. I have gotten calls as early as XXXX and as late as XXXX. The lenders ( XXXX XXXX XXXXXXXX XXXX XXXX in particular ) have searched my XXXX account, contacted me at work, spoken to my employees, and even to my clients. Not to be outdone, Ally Financial 's collection agency has not been any better. They recently somehow found out I was working as a XXXX at a local XXXX XXXX XXXX and called the store, asking one of my employees, an XXXX year old girl, if she knew anything about the situation. I was SHOCKED.
On my most recent conversation with Ally Financial 's collection agency, after being harassed for nearly two years, I explained my story once again, I explain the financial difficulty identity theft has put me through and I asked if, in the interest of putting this behind me and removing the stain from my credit report so that I could afford to go to graduate school, they would consider removing this debt from my name if I gave the the little money I did have saved as payment in full for the fraudulent debt, along with my tax returns, the police report information I filed, and bank account statements to validate my story to them. I was told that I would hear back from the representative the following day. I received a phone call from a man who claimed to be his manager about an hour later cursing at me and telling me that he was sure based upon the searches they had done about me online they believe I can and should afford to pay much more than that. He actually had the audacity to suggest that I would somehow go to jail for not paying them in full that day.
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| 07/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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Dear Sir/Madam, I am writing to provide an explanation regarding the late payments on my Alley Bank account , which have resulted in a negative impact on my credit report. I believe it is essential that you understand the circumstances surrounding these late payments and the hardship I have faced during the COVID-19 pandemic.
Like millions of other hardworking Americans, I have experienced significant financial difficulties due to the unprecedented challenges posed by the pandemic. In an effort to mitigate the impact on my financial well-being, I reached out to Alley Bank XXXX XXXX, XXXX to apply for hardship assistance regarding my XXXX Suburban loan.
Unfortunately, despite my sincere efforts to proactively address my financial situation, I was denied assistance by Alley Bank. This decsion has been to their advanmtage as I have been XXXX XXXX late fees to this date, taking advantage of my crisis. Their response was that my account was too new, which prevented me from receiving any form of relief. Consequently, I have been unable to catch up on my payments and have fallen behind since then. Despite my continued payments, I find myself still behind on my credit report, which is causing significant distress.
I strongly believe that this situation is unfair and inconsistent with the assistance provided to Americans during the national crisis. Numerous individuals across the country were able to receive financial support to help them navigate these challenging times, yet I was denied any form of assistance from Alley Bank. This has resulted in the accumulation of late payments and subsequent damage to my credit profile.
I kindly request Consumer Financial Protection Bureau to consider the unique circumstances surrounding my situation and take them into account when evaluating my invisitigation. This will helop other America being taken advantage of.
I have always strived to honor my financial obligations, and the unfortunate circumstances during the pandemic should not be held against me in the long term. I am committed to restoring my auto loan and ensuring that my financial responsibilities are met.
I would greatly appreciate your assistance in investigating this matter and making the necessary adjustments to my credit report/loan. Please let me know if any additional information or documentation is required to support my case. I have attached relevant documents, such as my correspondence with Alley Bank, for your reference.
Thank you for your time and attention to this matter. I look forward to a prompt resolution and the restoration of my credit standing. Should you require any further information, please do not hesitate to contact me at XXXX or XXXX Sincerely, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 03/16/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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We bought a car from XXXX on XXXX in XXXX. When we arrived on the car lot we informed them we were looking for a safe reliable family vacation vehicle. We also let them know our two year old would ride in it daily so we needed it to be safe. We left with a XXXX XXXX XXXX. Two weeks into having the vehicle we noticed it wasn't driving right. We took it To our mechanic who said there was an extreme oil leak and an extreme differential leak. We didnt believe it since it had just passed inspection 2 weeks before we purchased it. We took it to two other mechanics who stated the same thing to us. We contacted XXXX and they told us to take it to there approved vendor to get looked at. There vendor said he didnt see the oil or differential leak. He was also the same person who passed the inspection on it. He kept the vehicle for about two days to make some repairs and gave it back to us and said it was good. We thought the car was fixed until two months later there was smoke coming from the hood of the car. We took it back to our mechanic who said if anything was fixed he wouldnt be able to tell since it was all used parts on the vehicle. He stated it still had an extreme oil leak, differential leak and also a transmission leak as well. We had a state trooper look at the car with the mechanic who said the vehicle is life threatening to drive and there is no way it should have passed inspection. The trooper said since it has been so long since we purchased the vehicle he wouldnt be able to issue the citation but he would have a talk with the approved vendor about it passing it when it should not have been. At this point we contacted XXXX and told them everything and they said they would have a tow truck come pick the vehicle up and they would look it over again. After looking it over they decided to allow us to come look for a different vehicle at XXXX on XXXX XXXX. When we arrived the first vehicle we looked at had a crack in the windshield. We asked how it passed inspection like that and we were told it must have just happened that day. We were not feeling good about getting another vehicle from them and was already advised by XXXX on XXXX XXXX that the XXXX location stated they were going to pay off the XXXX XXXX loan. So we thought we were done with them until I got an email from XXXX stating they dont know who stated that but they were wrong and we would have to pick another vehicle from them. We found another vehicle and had it checked out by our mechanic before returning to the XXXX location to make the switch. Then we were advised it had been to long since the first loan so they couldn't switch out the vehicle and would have to pay off the old loan and make a new loan. Now I have 8 hard inquires on my credit report. I dont know why since all of this was over ONE vehicle that was sold to us. My family is trying to buy a house and this is going to hurt us now.
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| 04/11/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I paid a payment of {$640.00} towards an extension agreement for the month of XXXX and XXXX. The original representative that processed the extension in XXXX ( before 30 days late ) did not send out paperwork and did not state that paperwork would be sent, she also stated that because the extension was done before being 30 days late it would take effect and that I was able to pay {$640.00} XX/XX/XXXX without penalty to credit reporting. I called in around XX/XX/XXXX again after receiving late notices, I spoke with a supervisor. The supervisor informed me that paperwork would need to be mailed out because I did not receive it nor did the previous representative state that. Supervisor stated extension would backdate to the month of XXXX and XXXX, the extension he created would be a {$0.00} fee because I already paid the fee and I would not have a payment due until XXXX. I still received late notices after conversation with supervisor and returning the paperwork in a timely manner, this went on until XXXX. I called back in at the beginning of XXXX during my grace period because my account was stating I owed almost {$3000.00}. I was trying to figure out what the actual amount of XXXX payment would be, I sat on the phone for XXXX hours and was told that the XXXX extension granted that was later redone by the supervisor was not even Processed at that current time and this was about XX/XX/XXXX. I paid {$790.00} towards XXXX because I incurred late charges because my extension was still not processed even though they did have the paperwork and payment, this payment for XXXX was also paid before 30 days late. I also pulled my credit report and found that ally reported to my credit, being late for XXXX, XXXX, and XXXX. I called back in about XX/XX/XXXX about credit reports, I was then informed that the supervisor made the extension for only XXXX and applied {$640.00} towards XXXX. Then still incurring late charges even though I technically had nothing due, I called back in and sat on the phone for XXXX hours. I was then told that the {$640.00} was applied to XXXX and that the supervisor went back in on XX/XX/XXXX and proceed an extension for XXXX. Therefore making XXXX and XXXX payments late because the extension wasnt processed or even done properly. They also reported my payment as late for XXXX whenever it is not, Ive called multiple times and get nowhere, Ive disputed the items with all XXXX credit reporting agencies and it still continues to be reported wrong after the investigation is completed. Ally told me they would fix this issue originally and to dispute it for faster results however every single time I call I get a different answer and get absolutely nowhere, this is ridiculous at this point. Ally will also not send me a copy of the extensions the supervisor created nor will they send me account information stating where the {$640.00} payment even went.
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| 03/25/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
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Web |
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We have an auto loan with Ally Financial. We called them at XXXX, on XXXX XXXX to request a 2 month extension. The representative on the phone gathered information and processed the request, letting is know we had a small payment of XXXX due on XXXX XXXX and no payment due on XXXX XXXX and a final small payment due on XXXX XXXX if XXXX. After that our payments would return back to normal for XXXX XXXX. They advised us we would receive paperwork in the mail. On XXXX XXXX I called them back because we have n't received paperwork yet and they also had on their website a payment still due even though we made a payment based on information above from our call on XXXX XXXX. The representative advised that the original request was not completed on XXXX XXXX and apologized and advised they will complete it again and since we already made our payment for XXXX XXXX out next payment was n't due until XXXX XXXX of XXXX. We said ok and awaited paperwork again. We did not receive any paperwork againI received a number of calls from a collection agency and I returned their call on XXXX XXXX at XXXX and requested a supervisor and was transferred to XXXX XXXX at ext XXXX, to find out that neither of these above extension requests were ever processed. I was advised AGAIN that they would complete the extension and apologized for the mistake. I was told on XXXX XXXX by XXXX that the customer service department did have noted on the account where they were supposed to complete the extension but never did. She apologized again and handled the extension.
At this point we have 2 months being reported as delinquent on my and my wife 's credit for XXXX different credit agencies. XXXX apologized but said there was nothing she can do to rectify that and I would have to do this on my own.
I called back today XXXX XXXX to find out what Ally would do to rectify them reporting in accurate information on my credit and was advised that I need to take it up with the agencies again. I advised them, this was not my fault why should I have to do the leg work. I asked the representative today about the notes in their system snd she was able to read each note that was written by XXXX ally financial reps during above dates and I requested copies of these notes and was told I need a subpeana to get them. She Advised it was in their system but they could not provide it to me.
I 'm being penalized on my credit by ALLY FINANCIALS NEGLAGENCE! Please help me get this resolved. I do n't have any documentation since they will not provide it to me but they have advised their notes are in their system for internal use and will still be there for others to pull up.
My credit took a huge drop because of the delinquency being reported and I would like the delinquencies removed off ASAP.
If you need any other information I am available to speakThis was no way in any shape or form our mistake.
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| 03/03/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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I purchased my new XXXX XXXX XXXX XX/XX/XXXX and obtained the financing through Ally Financial. Everything was great until about XX/XX/XXXX. It started XX/XX/XXXX when I had to have XXXX XXXX XXXX XXXX and things did not go as well as planned and I ended up off work for 6 months. I did not plan on being off this long as it placed a great strain on my budget. By the time I returned to work, I will take full blame that I did fall behind on my car payments. I was working on trying to catch back up but was unable to and contacted Ally on XX/XX/XXXX to see what kind of assistance I could obtain. I contacted through the chat option feature that is offered through the website due to being at work and was unable to talk on the phone. I spoke to someone whos name I cant remember who told me that I could pay {$100.00} and change by XX/XX/XXXX or so to roll back the number of days that I was past due for the credit reporting. He then proceeded to demand when I was going to pay the remaining past due balance. I tried to explain that I was seeking some sort of assistance and he continued to demand payment. I continued to explain my situation and that I had lost my spouse in XXXX and then the XXXX in XXXX and was in a XXXX XXXX and desperately seeking assistance. The agent continued to demand a promise to pay and continued to now threaten my credit, which according to the FDCPA Collections, they are not allowed to do, nor are they allowed to harass me the way he proceeded to do. I became so distraught that I disconnected the chat. After I had time to calm down some, I emailed them through their online portal asking for the chat transcript which I am entitled to have and have not received it. I have then proceeded to leave negative comments on their XXXX page and was asked to privately message them, which I did and was told that someone would reach out to me. I received an email that someone would investigate the issue. Not a word since. I started to receive collections calls, explain my situation and the regulations that were violated and told that someone would reach out to me and not a word since. I have asked on numerous occasions for the transcript to the XX/XX/XXXX chat session and have continued to be ignored. I have no intentions of not paying but again am seeking assistance for the past due balance, the transgressions that the agent committed and assistance for the payments until I can get back on my feet financially. I also still am requesting a copy of the chat transcript from XX/XX/XXXX of which I have yet to receive after almost a dozen requests. The service I have received over the 3 months is beyond disgusting and has also violated several FDCPA Regulations and this issue needs to be investigated.As of XX/XX/XXXX, they have now started to disguise their phone number and are now calling from alternate area codes as well which is also a violation.
|
| 08/26/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
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Web |
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I went thru a bankruptcy in the XX/XX/XXXX and at that time I had a car loan with GMAC who switched it over to Ally Bank shortly before that. Once we went into Bankruptcy we stopped getting statements and they shut my internet account access out so I could not track or even see any information in reference to our loan. We continued to make our regular automatic payments thru our bank. So, I got a call in XXXX out of the blue from Ally Bank stating I am behind on payments? I was confused and asked for a statement of my account so I could check on this and all they sent me was a payment run of all the payments since XX/XX/XXXX. No balance, no payoff amount listed, no late fees, nothing, just the listing of all the payments and dates the payments we made? So, I contacted Ally Bank back to discuss the balance and the payoff and they said I missed a payment at some point in the loan. Now keep in mind I have no idea when that could have been considering that I have n't had a statement XX/XX/XXXX and I was never notified in writing of any issues period! They said my payoff was almost {$400.00} more then what my calculated balance should be and they said OH there is late fees and compounded interest that I was being charged that makes up the difference. I told them at that point I was never notified in writing about any of this and asked them to send me a detailed statement showing all the extra money and fees they are trying to charge me and I never received anything??? I figured they realized they were wrong and had nothing to send. I tried calling them again but this was such a hassle because my husband is the primary borrower they needed his permission to speak with me every time I had to call because I handle all the financials. Now my husband XXXX who works nights and I work full time days and we are like two ships in the night passing by so coordinating these phone calls were nearly impossible and they would not talk to me otherwise! So, I honestly thought it was the reps on the phone mistake because they did not contact me again after that. Today I calculated all of our payments and I show we owe {$130.00} left on a {$31000.00} loan but the Ally rep on the phone said our balance is {$520.00} and this is {$390.00} more than what I should owe and she stated that we owe {$250.00} in late fees! And the other amount {$130.00} is interest on these fees!! How and why should I be responsible for any of these extra fees if we were never notified?! Because I would have taken care of anything back when they say this happened if I was notified and I would have avoided these fees! Just for the record the bankruptcy was not a personal bankruptcy is was a business bankruptcy and I continued to pay my bills as well as the business bills from our personal funds and we made good on my car and my house! How can they charge me fees for years and never notify us??!!
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| 07/15/2023 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Account opened as a result of fraud
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Web |
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Ally Bank has consisted and transacted in a fraudulent manner and refuses to resolve the issue or try to resolve the situation in which they have created. Ally Bank Opened a Checking and Savings account in my name with stolen information on or around XX/XX/XXXX. I am a victim of identity fraud, and these applications for both of these accounts were not authorized nor approved by me. I have extended fraud victim alerts on my credit files which specifically states that before opening an account or approving an application I MUST BE CALLED and IT MUST BE VERIFIED I AM Opening the account or application. Yet Ally Bank, Opened both checking / savings account and did not contact me asking if I approved the application. These applications overall are fraud. Additionally, Ally Bank never sent me any documents, they did not send me any debit cards or even verify my information. I can not login to said account 's nor could I ever view what transactions occurred because ALLY BANK again didn't verify my information. When I try to retrieve or login to the account based on the credit file it says it tries to text some phone number that doesn't match mine ( Ending in XXXX ) It also says XXXX email addresses I have never owned XXXX, and XXXX Neither email address is owned nor can I retrieve any emails from said email addresses. I do not own the phone number ending in XXXX. Additionally Ally bank closed this account originally for identity fraud, but later reopened the account and charged it {$4400.00} IN CHARGES. Again unauthorized charges. I did not conduct business with their merchants, and I did not receive any monetary benefits from said transactions. I do not work for the employer they had depositing in the account either, nor have I ever. I spoke to their fraud department and this was supposed to be taken care of MANY MONTHS AGO, but instead ALLY Bank Sent this to XXXX and XXXX XXXX XXXX stating ( Account Closed for Cause OVERDRAWN ). I did write in to Ally Bank to dispute this debt and Ally bank did not contact me back, and instead called my family members to harass them telling them they will collect this debt and I WILL Pay it. I refuse to pay something I did not accept responsibility for, nor did I ever Approve these accounts to be opened in the first place. These are fraudulent applications and all transactions on these accounts are FRAUD. This is damaging my credit and not at fault to my own. So I expect Ally Bank to provide monetary relief for lying to XXXX for an account I didn't authorize just because ALLY Bank wants to collect the debt and the easiest way for them to do so is abusive practices and Lying about the victim instead of the thief. I do not own these account 's and I do not accept responsibility again. These accounts are fraud and can not be retrieved I did not receive any DEBIT Cards and I have not physically called these people.
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| 02/03/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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I had a vehicle loan with Ally Financial. On XX/XX/XXXX, I called the company to request a pay off amount so I can send them a check to pay the vehicle off. I was told that I would need to send a Bank Check, in the amount of {$7500.00}. I went to XXXX bank and requested a Bank Check in that amount and I sent it NEXT DAY ( USPS ) to Ally Financial. According to XXXX Bank, Ally Financial deposited the Bank Check into their XXXX XXXX XXXX account on XX/XX/XXXX. I contacted the company ( XX/XX/20 ) to find out when the title would be released and was told that because it wasn't a CERTIFIED CHECK, it would take 10 business days to clear. I requested that my call be sent to a Supervisor and when it was, I was told that O would be contacted by a member of the Customer Relations team within 3 business days. I was contacted by a member of that team and was told that he would need to " look into it '' and he'd get back with me. XX/XX/XXXX we spoke and XX/XX/XXXX we spoke. He informed me that because it wasn't a CERTIFIED CHECK, there would be the hold placed on the check before the title could be released. I asked to speak with his supervisor because I was informed by XXXX Bank that an Official Check is the same as a Certified Check, in that, in order to have an Official Check issued, cash would be needed to have that issued ( just like a certified check ). He then informed me that " he would need to look into that ''. In the mean while I had spoken to XXXX XXXX and I explained the situation to her. Fast forward to Friday XX/XX/XXXX. In speaking with XXXX XXXX, she informed me that the title was going to be XXXX shipped to me, via XXXX and that XXXX would be calling me with the tracking number. He never contacted me. I waited 2 days and called BOTH ( XX/XX/XXXX ) JT and XXXX to find out where the title is because it's been 2 days. No response. I called Wednesday XXXX XX/XX/XXXX XXXX, two times ( once at 8:35 and then again at 11:46 ). I received a phone call back from JT stating that the title wouldnt be released until TODAY ( XX/XX/XXXX ) and that I wouldnt have the tracking number until this afternoon.
Ally Financial has had my title and my cash since XX/XX/XXXX XXXX the date they deposited the Official Check ). They representative should have told me, when I contacted them on XX/XX/XXXX that a CERTIFIED CHECK is what is needed to have the title released immediately. They have refused to communicate with me, providing me with information, regularly, unless I call. The phone calls are recorded so I am sure that you would be able to hear the conversations. My frustrations with this organization and how they conduct business is unacceptable. I am sure that I am not the only person that they have done this to. For them to capitalize on the fact that they dont release titles, all the while tying up a customers monies for weeks on end is unacceptable.
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| 12/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I expected to finance XXXX XXXX XXXX XXXX as that was what we had discussed prior to me going from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When signing the documents with the finance manager XXXX he was quickly discussing warranties. I had been told by the sales rep that the dealership " gives '' you a warranty of sorts so the process had taken HOURS and he was going quickly and I was XXXX engaged because I had to get back to get my child and get to work. The final paperwork showed a financed amount of XXXX XXXX and I was SHOCKED!!! I didn't say anything at the time to XXXX. When we were leaving my mother told me the difference was the extended warranty that was right at {$6100.00} that I didn't want. They told me I had 5 days to return the vehicle for any reason if I wanted to. I didn't want to return the vehicle at the time, but I did want them to remove the extended warranty. On XX/XX/XXXX I called XXXX and explained the situation with the extended warranty and that I didn't want it. He of course tried to get me to keep it, but ultimately said he would cancel it and send the information to Ally the finance company to issue a credit on the loan. He stated when I got my paperwork from Ally it would reflect the credit for the extended warranty. XXXX did absolutely NOTHING!!!
My first payment was due to Ally on XX/XX/XXXX. As of XX/XX/XXXX there had been no credit issued. My mom who is a co-signer on the loan with me went to social media as XXXX isn't registered with the XXXX to voice our issues. She received a call that day from XXXX - XXXX XXXX at XXXX XXXX XXXX stated we had to go to the dealership website to cancel the warranty. I argued that with him as no one had said that up to that point and we had been through it with XXXX & ALLY. XXXX stated if I would do that he would expedite the check to ALLY and it would be credited within 7-10 business days. ALLY agreed with that comment.
That check was sent to Ally on XX/XX/XXXX, XXXX # XXXX for {$6100.00}. As of today that check has not been credited to my account.
The dealership also calculated the tax & tag too high and the check to the DMV had to be returned 3 times. There was on overpayment of {$600.00} that was also to be sent to ALLY for a credit to the bottom line. That hasn't hit the account yet either.
The intent all along was to refinance with my credit union for a better interest rate. Today I decided to go ahead and deal with the credit union as I was getting NO satisfaction with XXXX or ALLY. When running all the figures the credit union tells me they can't refinance because the Loan to Value was in excess of 120 %. Obviously if those credits were on the account this could potentially be rectified.
We are so tired of dealing with this mess. It's been going on for nearly 3 months and enough is enough.
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| 08/19/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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XX/XX/2020 ... NOTE : I am XXXX yrs old, on XXXX as my only income, taking many XXXX that cause me to be somewhat XXXX, XXXX & XXXX. I have never purchased nor owned a new car in my life. Son called me from XXXX XXXX XXXX, XXXX, XXXX XXXX, asking me to come to the dealership immediately to " co-sign '' for a Truck. When I arrived, my son, his wife, the salesman ( XXXX XXXX ) and a stack of papers were waiting for me. I asked where the truck was and was told it was " in the back ''. The salesman, XXXX, had another customer waiting and informed me in a polite way that we needed to hurry. I began signing. The last form was the contract with the price and I then realized this was for a brand new truck, XXXX XXXX XXXX XXXX. I began trying to read everything and was reminded by the salesman & my son that everyone was in a hurry. I asked why the paperwork stated " buyer '' & " co-buyer '' and I was signing as the buyer. XXXX stated co-buyer & co-signer mean the same thing and the only reason I was designated as buyer was because my credit was better than my sons. Special note here, my son has violent outbursts, usually directed toward me. At this moment I felt pressured by everyone there, not thinking clearly due to my meds of course, ignorant and fearing my son, I signed. XXXX than returned with a key and handed it to my son. I asked if I got one too and he stated " no '' only one key because they are so expensive. I left. Recently ( XX/XX/2020 ) my son and I had another violent altercation so I began looking into the truck payments and other information I could find. My son had kept me in the dark once the truck was purchased and I learned not to ask. I did receive toll violations in my name with pictures of the truck. I went to the dealership requesting paperwork, information, advice and a key and was treated poorly. I did get the paperwork, was informed it was co-ownership not co-signing and I couldn't get a key unless I paid for one, keys were only available from the dealer & I would have to bring the truck to them to make it ... Of course, without a key to get the truck there, that was impossible. I am now aware, the 2nd key to the vehicle was handed to my sons wife, before I arrived?, to sign the papers. My son has made every payment late and informed me plans on continuing to do so, he doesnt care if he ruins my credit, gets my drivers license suspended, I cant register my car because of his non payment of fines, etc. I feel helpless. I feel that plans were possibly made between the salesman & my son, before I arrived, to get the loan thru, take advantage of me & give me false and/or as little information as possible. How does someone on an income of {$1300.00} a month get approved as a BUYER for a {$55000.00} Truck? My son knew the medications I took daily and the fear he instills in me. I am now searching to find legal help
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| 08/09/2016 |
Yes |
- Bank account or service
- Checking account
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Web |
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Deposits made at Ally are stated to be available as first {$200.00} next business day and the rest after. Regularly, I make deposits on the weekends. The availability notification ( email ) is not sent until Tuesday morning. Usually this email says some is available Tuesday ( although this is actually 2 business days ). This case had about {$700.00} ( XXXX checks ) deposited Sunday morning. Assuming they would at least be partially available Tuesday, I scheduled bill payments for Tuesday and Wednesday. I received an email Tuesday morning that multiple overdrafts occurred. Then I got an email that my deposit checks would be held for XXXX5 business days from this Tuesday. I called and they said in fact 5 business days from Tuesday, meaning that I made the deposit on XXXX and it would be available XXXX. The reasoning is " too many overdrafts ''.
My issue is that 1 ) I was as never notified that I 've had " too many overdrafts '' and fell into this category. It has never been this way. I have never had a bounced check. How many is " too many ''? Why 5 days instead of XXXX, in XXXX? Why 5 days from Tuesday, not the day the deposit as made? If the deposit availability was clearer, I would never have overdrafts but this cycle just continues.
2 ) the bank should notify me, at the latest, Monday, for a Sunday deposit if there will be a hold l, so that I can not schedule bill payments. This would prevent these overdrafts 3 ) the reason this check is on hold ( overdrafts ) is causing more overdrafts and thus continuing the cycle.
4 ) with this very long hold, there will likely be an overdraft every single day from now until the money is available. A {$25.00} fee each day for the next XXXX8 days, plus the returned payments from the loans/creditors. It will end up costing me more in fees than the original deposit and in the end I will again be negative and overdrafted from the fees, even after the deposits are made available.
All of this could have been prevented and been more fair if the bank had notified me that either my account was in this situation where desposits would be held or notified me in the first 24 hours of making the deposit that this would be the situation. Neither was done, and I assume it was in order to capitalize on the massive fees.
This entire practice is so very unfair. It is my money being held so long and at the bank 's discretion, which they deceptively practice. It continues the cycle of massive overdraft fees and making the bills I try to pay bounce.
This bank also practices processing all outgoing payments prior to all deposits for each day which maximizes their overdraft potential. This has left me with a positive balance for a day even though I ended up with overdraft fees. Again, very deceptive and maximizing these fees, in addition to putting me into an unnecessary category of " too many overdrafts ''.
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| 05/10/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Banking errors
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Web |
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As an existing Ally Bank customer, I was excited when I heard about their 1 % cash bonus offer for moving money to an eligible account. The offer promised a cash bonus of up to {$500.00}, which was a significant amount for me. I immediately decided to take advantage of this opportunity and transferred {$50000.00} from an external bank account to one of my Ally Online Savings accounts, which was eligible for the bonus.
I eagerly waited for the bonus to be deposited into my account. However, when I checked my account on XX/XX/XXXX, the day when the bonus was scheduled to be credited, I was surprised to find that Ally Bank had not credited the full bonus amount into my account. Instead, they had only credited {$410.00} to my account, even though I was eligible for the full {$500.00} bonus.
Feeling frustrated and disappointed, I immediately contacted Ally Bank and opened a case to address the issue. The customer service representative assured me that the case would be reviewed and resolved within 5-7 days. However, after waiting for several weeks, I still hadn't received any updates from Ally Bank.
Feeling concerned about the lack of communication, I decided to follow up with Ally Bank. Unfortunately, the responses I received were not helpful. They informed me that my case was still being reviewed and that they could not provide me with any timeline or updates. This only added to my frustration and XXXX about the situation.
As days turned into weeks and weeks turned into months, I found myself becoming increasingly frustrated with Ally Bank 's lack of progress on my case. I had provided all the necessary information and met all the requirements for the bonus, yet I was not receiving the full amount. It was extremely frustrating, and I felt like my concerns were not being taken seriously.
After waiting for 91 calendar days, which was 64 bank working days, I contacted Ally Bank again to express my concerns. I was hopeful that my case would finally be resolved, but I was disappointed to receive the same response as before - that the case was still being reviewed, and they were unable to provide me with a timeline.
The lack of progress and communication from Ally Bank was frustrating, and I was losing faith in the bank. I had been a loyal customer for a long time, but their handling of my case made me feel like my business was not valued. I was starting to wonder if I should take my business elsewhere as this whole experience left me feeling frustrated and disillusioned with Ally Bank.
In conclusion, the lack of communication and slow progress on my case was frustrating and disappointing. I had met all the requirements for the cash bonus, yet Ally Bank failed to credit the full amount into my account. Their lack of responsiveness and failure to provide me with a timeline or updates left me feeling frustrated and uncertain.
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| 08/31/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I made an overpayment of the amount of {$1200.00} on XX/XX/XXXX of 2020 to accout number XXXX To Ally Financial inc . So I call them and ask them if they could refund the amount and I was told that they could refund the amount and that they would process it for a refund of XXXX, so I waited and didn't hear from them and didn't receive a check in the mail so I called them again and they stated that it was denied because it was processed for process before my car payment was processed so I would have to make the car payment 1st so that it wouldn't be late and then they would put the process of the refund in. So I waited and then I call them back because I did receive anything and they stated to me that it was supposed to be mailed out XX/XX/XXXX so I waited again another 2 weeks and then I call them back to let them know that I did not receive anything. I asked for a manager again and they said it was denied again because the requset for refund of the payment was put in and again my car payment was in process so again it didn't go through. So again they stated that I would have to make a payment for XXXX otherwise my carpet will be considered late and Any request for the refund will not process.So I made the payment for XXXX and it will process on the XXXX and that on the XXXX they would personally process for a refund of the {$1200.00} and that I would not have to call back and everything was taken care of So then I waited and then I called back again on XX/XX/XXXX because I did not receive anything and I told them what was happening and the first thing I was told by customer service was that there was a payment made out in XX/XX/XXXX and I told them no that's not correct that it was denied and was never processed and then I asked for Corporates number and I was told that They did not have corporates number and that they could not give it to customers so I ask for a manager again The manager stated to me that it was denied yet again and so then I asked for a regional manager and for corporates number because this just continues to happen over and over again. So then the manager Said that they will try to get ahold of the payment department but they could not and that she would call me back when with the information and I stated no because that's the problem. You say that you will and you never do. So the manager stated to me that she would put the payment refund process again and I told her no because I can tell you how the process gon na go and they're going to deny it again and ask me to do another pain man and it's gon na keep on happening over and over again.So I said I want to speak to a regional manager So then she stated that she was transfer me to superviser and was put on hold when she came back onto the line I was told that the supervisor will call me within 1 to 2 hours but I have not received a call from them yet.
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| 11/14/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Credit denial
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Web |
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Dear ALLY BANK Pursuant to 15 USC 1681A ( K ) your company ALLY BANK have taking adverse action against me On XX/XX/26 XXXX Clearly where federal law states it is a violation of my consumer rights, its clearly states 15 USC 1681 B ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit. it doesnt mentions a denial of credit it only mentions being denied for insurance or employment 15 USC 1681 A ( K ) ( i ) ( ii ). Your company used my credit card ( AKA SSN ) 16 CFR 433.1 ( h ) Credit card issuer. A person who extends to cardholders the right to use a credit card in connection with purchases of goods or services. In a consumer credit transaction 12 CFR 1002.2 ( h ) Consumer credit means credit extended to a natural person primarily for personal, family, or household purposes. I did not received & benefit in this transaction which is identity theft Pursuant to CFR 1026.12 ( B ) ( 1 ) ( i ). Your Company ALLY Bank said in there letter that the reporting agency played no part in your company decision and cant supply specific reasons of why ALLY BANK denied me credit and then False and Misleading me the Consumer by saying your company ALLY BANK decision was based in a whole or in part on information that came from the consumer reporting agency. Pursuant to ECOA ( Equal Credit Opportunity Act ) Regulation that aims to give all legal individuals an equal opportunity to obtain loans and other types of credit from financial institutions/ lenders under Title 15 your company ALLY BANK are prohibit by lenders in any aspect of granting credit to an individual. The acts purpose is to prevent lenders from using race, color, sex, religion or other non- creditworthiness factors when evaluating a loan application, establishing terms of a loan, or any other aspect of credit transaction. Organizations that have shown a pattern of discrimination can have lawsuits brought against them by the Department of Justice. CFR 1002.7 Rules concerning extensions of credit ( a ) Individual accounts. A creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of sex, marital status, or any other prohibited basis ALLY BANK your False and Misleading me the Consumer your company accept my credit application but claim Your company ALLY BANK denied me the consumer credit Im giving you a opportunity to cure this matter 15 USC 1691 ( b ) Activities not constituting discrimination It shall not constitute discrimination for purposes of this subchapter for a creditor ( 1 ) to make an inquiry of marital status if such inquiry is for the purpose of ascertaining the creditors rights and remedies applicable to the particular extension of credit and not to discriminate in a determination of credit-worthiness ;
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| 03/10/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Changes in terms mid-deal or after closing
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Web |
Servicemember |
|
I received a preapproval for XXXX with a 2.6 % interest rate, but due to weather concerns the check was delayed by XXXX. Did preapproval through the dealership website with equal rates, so went to the dealership anyway to purchase vehicle. When the dealership did the credit application the DOB was incorrect and told them to correct it. Was told that it would be prior to moving forward. During the finance process, different terms were established even though we were told we wouldn't have to put any money down. Advised the best they could do would be a 72 month contract with similar rates. Instead of a low interest rate it was actually increased to 13 % and the terms of the car were changed well because we told them we would not be willing to go past XXXX. It was a lot of switching around but ultimately, we thought we were still getting the original terms. The purchase happened on the XXXX, and I reviewed the paperwork because the whole process was off putting. Upon the review I discovered that the DOB was never actually corrected, so I waited to the next business day so we could resolve the issue. Before returning to the dealership I received the original preapproval check and returned to the dealership in good faith to fix the mistakes that were made. They advised that since the paperwork was already submitted to the financial institution they selected ( Ally Financial ) there was nothing that could be done. Unsatisfied I left the dealership to only be called a few minutes later by the XXXX. Convinced by the XXXX to return, I again returned to the dealership only to waste more time with pointless details that Ally financial should be willing to work with us to get matter resolved. Later that same night on the XXXX I called Ally financial only to be told that they did not have my application package yet and there was nothing they could do. They could not even notate the account even though they could see my information in the system.
I called every day since only to discover that instead of calling me before approving the funding, they actually went ahead and accepted the transaction which should have been voided due to the incorrect data contained in the application as well as being an expense I could not reasonably afford. The contract was changed to such an extent that the car was not worth the value I would have to pay. I sent emails to both the dealership and Ally financial with no response. I received a call from the dealership a few days later, thinking that they finally wanted to go over the transaction, I prepared everything I had. Only to realize it was the salesman calling to see how I was loving the car.
I have reached out to both the dealer and Ally several times with no responses, and I also discovered my credit was again pulled on XXXX which I did not authorize. Any advice would be greatly appreciated.
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| 11/08/2017 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Servicemember |
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On XX/XX/XXXX, a final decree of divorce was filed to finalize the divorce between my ex-spouse and I. On page 8 of this decree, it states I, the defendant, be held harmless of financial obligation of the XXXX XXXX. I cosigned an automobile loan for the XXXX XXXX on XX/XX/XXXX through Ally Financial for my ex-spouse.
The financial obligation for the XXXX XXXX was neglected by my ex-spouse and was eventually repossessed from him. After repossession, Ally Financial determined a {$6500.00} balance remaining to be paid.
I have spoken with Ally Financial on multiple occasions since the start of my ex-spouse neglecting loan responsibilities. I have also submitted documentation including a copy of my original decree of divorce to Ally Financial and the credit bureaus without any resolution. I have requested the repossession be removed from my credit report as well as the remaining balance of {$6500.00}, which is currently showing a charge-off balance of {$6500.00} on my credit report. With my most recent communication with Ally Financial, I was advised that the {$6500.00} remaining balance is still my responsibility and they will continue to act as so even with my diligence in updating my ex-spouse 's information for resolve, as this loan is no longer my financial responsibility.
I have given up on communicating with Ally Financial, after being denied multiple times in my request ( s ) to stop mail, phone calls, continued attempt to collect a debt, etc. from coming to me. I have consistently and diligently called with updated information in my ex-spouse 's whereabouts in an attempt to point them in the right direction for any reconciliation in regards to this delinquent automobile loan. I have now filed two disputes with the credit bureaus since the initial repossession of the XXXX XXXX, also without any resolve.
I have attached a copy of my decree of divorce as well as the most recent copy of my credit report obtained through XXXX on XX/XX/XXXX and the Investigation Results Summary letter from XXXX advising me that Ally Financial has verified and updated my account and they were unable to resolve the dispute regarding the XXXX XXXX auto loan. I have attempted to locate copies of letters that I have received from Ally Financial to collect in this debt, however, I was unsuccessful. I did not keep any copies for my records and I was unable to generate copies from their online portal.
Please review my complaints and documents and let me know if there is any other information I can provide in assisting with resolving this ongoing adverse account dispute. If there is not anything that you can do, I would greatly appreciate any feedback that you may have in resolving this dispute. Any other ideas, avenues, or tips would be appreciated and welcomed!
Thank you in advance for your time and diligence in this matter.
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| 10/22/2022 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Funds not handled or disbursed as instructed
|
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Web |
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On XX/XX/XXXX, I requested a wire be sent for our home purchase scheduled for XX/XX/XXXX. On our day of closing, XX/XX/XXXX, we expected the wire be sent that day in order for us to close on our home. I was told that Ally would call me if anything was needed from me. As the hours went by on the day of closing, XX/XX/XXXX, I noticed that no one called me but checking the app said that I needed to call their number for more information. I was not told what information was needed and was confused why I was not called in the first place if they needed information from me. Nonetheless, I called and spent over 6 hours on hold during that day trying to get in contact with someone. I was able to get a hold of someone 3 times that day in 6 hours. The first time, I was told I would be put on hold for 3-5 minutes. During the time I was on hold, I was hung up after spending two hours trying to talk to someone. I had to call back a second time. The second time I called there was a similar hold time. I spoke wot someone who said wire information needed to be verified. I verified and confirmed that everything was completed with the teller and was assured that the wire would be sent the same day as I was able to verify the information before the cutoff time. This turned out to be not true since I noticed on the app that more information was needed. I called back a third time and was on hold for hours again before I was able to get a hold of someone. The third person stated that information needed to be verified again even though I confirmed with the person prior that everything was verified. I verified the number again but was told that the wire would no longer be able to be sent the same day. This was an incredible inconvenience as we had planned to start moving over the weekend, but now we are not able to do that. I was then told that the wire would be sent on XX/XX/XXXX. I specifically asked if they meant XX/XX/XXXX or Monday, XX/XX/XXXX and they confirmed the XXXX. I checked the app on XX/XX/XXXX to confirm the wire was sent and the same pop-up showed that I needed to call Ally Bank XXXX I called once again after spending more hours on hold and now I am being told by the 4th person that they can not seem to locate my wire. I gave them all of the information they requested but now my wire seems to have disappeared from their system. I was told to call back on XX/XX/XXXX. This is unacceptable and seems inconceivable to me how a bank can lose someone's wire and money. I was never contacted regarding this and everything had to be done on my initiative instead of the other way around, even though they have lost my wire of tens of thousands of dollars. Ally bank said they would call me if anything was needed from me but they never did. This is shameful and I feel like they do not care about the distress this is causing me.
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| 06/13/2017 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
|
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Web |
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Dear Sir or Madam, Ally bank is stating I owe them {$330.00}. They are claiming that XXXX XXXX withdrew money from them that they never received. The transaction happened through a 3rd party service called XXXX XXXX. XXXX XXXX will not speak to to me only to XXXX XXXX. I spoke to 3 different representatives from XXXX XXXX who claimed I do not owe ally bank any money. 1st XXXX Representative : 2nd : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA. XXXX XXXX PA XXXX XXXX XXXX Also XXXX from XXXX XXXX # said to use code XXXX for the case. I 've been corresponding with XXXX XXXX from ally Bank her address : XXXX XXXX XXXX XXXX MI XXXX tel # XXXX FIle # XXXX Below is a letter I sent to ally bank which list all the events. I ca n't get the bank representatives to talk to one another. Ally XXXX. XXXX XXXX XXXX, MN, XXXX RE : Acct. # XXXX Dear Sir or Madam, Below is a chronological order of facts in reference to above account. XXXX XXXX Leased a car through ally bank. XXXX XXXX, XXXX Returned car. Leased ended. XXXX XXXX, XXXX Received Satisfactory letter from ally bank. Account paid in full. XXXX XXXX, XXXX Paid ally bank electronically {$330.00} by mistake through XXXX XXXX. I had no account with ally bank. XXXX XXXX Called ally to have money returned. They said they had no record of it. XXXX XXXX Called XXXX XXXX to get record of it. They said to call ally back. XXXX XXXX Called ally back still no record of it. XXXX XXXX, XXXX Had XXXX XXXX pull payment of XXXX out of ally bank. XXXX XXXX, XXXX Received letter from ally Bank stating they had not received final payment. I called ally bank and explained to them what happen. They claimed they would close out file. XXXX XXXX, XXXX Received a letter from XXXX XXXX XXXX XXXX. Also I received phone calls from them. I spoke to XXXX XXXX and explained what happen then mailed him a copy of Satisfactory letter. I also tried to call ally Bank but they keep transferring the calls to XXXX XXXX at XXXX XXXX XXXX XXXX. XXXX XXXX Received phone calls, letter and an email from XXXX XXXX XXXX claiming I owed XXXX to ally Bank. Sent Satisfactory letter to XXXX. XXXX XXXX, XXXX Sent request to XXXX for validation of debt. Sent Satisfactory Letter to XXXX. XXXX XXXX, XXXX Received letter from XXXX XXXX XXXX claiming I owed XXXX. Sent Satisfactory letter to XXXX XXXX XXXX. XXXX XXXX XXXX Received letter from ally Bank claiming I owe XXXX. Called XXXX/XXXX/XXXX spoke to XXXX at ext. XXXX explained all to him and he said to call back XXXX/XXXX/XXXX. I tried to call a couple of times and after long hold periods I hung up. This matter has been going on to long not to mention the harassment from Collection agencies. I ask for a respond to this letter within 15 days. You should also notice the car payment with ally Bank was approximately {$250.00} not XXXX.
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| 05/29/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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Ally XXXX I called XX/XX/XXXX to get a 2 month Deferral I changed jobs and it got us behind. Deferral was granted after paying 1 payment {$450.00} that day and speaking to XXXX XXXX ( the car is in XXXX name so they needed to speak with him ) I wanted to set up automatic payments but rep said I cant until the deferral is processed. Then a month later when logging on to pay my payment it said we were behind. This was XX/XX/XXXX spoke to 3 reps that morning one of which said he could fix the problem and just do a 2 month deferral now due to the mix up and began the process and then realized he would have to talk to XXXX due to the loan being in his name I tried several times to get him on the line and got disconnected then when I called back twice no one could help me. I had to go into work. Called back later that night with XXXX still XX/XX/XXXX and spoke to a supervisor XXXX # XXXX explained she said that there was only a 1 month extension I advised that was the problem it should have been 2 months per conversation XX/XX/XXXX. Advises I want the calls pulled and reviewed from XX/XX/XXXX and the morning of XX/XX/XXXX and I want this resolved. Was told will take a few days and that she ( XXXX XXXX will call me back XX/XX/XXXX and she will put a DNC on my account til resolved. She never called back and collection calls continued on account. XX/XX/XXXX called and was told no supervisor avail to talk to me will have someone call me. XX/XX/XXXX was on hold over an hour with no one coming on line to check on me then told that they have other people to talk to no supervisor can talk to me today will need to call back tomorrow. XX/XX/XXXX called and talked to XXXX XXXX who said that it is under investigation and that he cant do anything for me but will have XXXX call me back. Advised him that she had never called me back he said he cant do anything because she opened the complaint. XX/XX/XXXX no phone call from XXXX Did receive a message from someone couldnt make it out on recording called and was told that I have to speak with XXXX he is the one who called me but he isnt there now. Will tell him I called and have him call me tomorrow. XX/XX/XXXX rep again knows nothing, nothing noted on account and no one avail to talk to and will have XXXX call me at XXXX tomorrow morning. XX/XX/XXXX no call back. XX/XX/XXXX rep said that XXXX is not there asked what time he comes in rep said doesnt know she said she will check and see if he is there? Came back to line and said he is not avail not there until XXXX. Advised I have a job and work full time I need to speak to someone now that can handle this she put me on hold and came back and said that there isnt a supervisor to speak with they all have other calls to take. Advised thats ok I will be filing a complaint and calling an attorney tired of dealing with this
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| 12/15/2021 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I entered in to a consumer credit transaction On XX/XX/XXXX, with ALLY FINANCIAL INC . This consumer credit transaction included a finance charge. 15 U.S.C. 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, yet, Ally Financial Inc took {$6000.00} cash from me in order to allow this transaction. The finance charge is also supposed to include insurance but this was never disclosed to me and I was repeatedly asked to provide insurance for the vehicle before obtaining the vehicle.
I made a grave error in the operation of the alleged account with Ally Financial Inc and I continue to notice that they have willingly and deceptively not given me information that 15 U.S.C. 1635 requires them to provide to all consumers who enter in to a consumer credit transaction with them. This information must be disclosed. Ally Financial Inc is now criminally liable as well as civilly liable, 15 U.S.C. 1611 and 15 U.S.C. 1640, for not disclosing or providing my right of rescission as they are required to do.
Upon review of my contract in regards to my consumer credit transaction between Ally Financial Inc and myself, under 15 U.S.C. 80a-46 b ( 1 ), it became evident that the violations to the terms in the the contract and violations against myself, by Ally Financial Inc made the contract void.
On XX/XX/XXXX, Ally Financial Inc received and signed for a Copyright/ Copy Claim Affidavit Under Constructive Notice and my Notice of Dispute of the Debt. Ally Financial Inc violated 15 U.S.C. 1692 g ( b ). Ally Financial Inc proceeded to illegally take action against me and violate many of my rights. They refused to acknowledge my Dispute or my Copyright/ Claim affidavit. Ally Financial Inc failed to provide what was needed under 15 U.S.C. 1692 g ( b ) and never failed to cease collection of the debt until they provided the documentation required to validate the debt. Ally Financial Inc has also failed to send any response to the notary presentment. Ally Financial Inc continued to accrue charges, fees, interest, and penalties against myself.
On XX/XX/XXXX, Ally Financial Inc received and signed for the Notice of Lien.
They acted more aggressively while failing to acknowledge my dispute, notice of lien or notice to cure. After defaulting on our initial contract, they have continued to take action against me and are now illegally attempting to repossess my vehicle. Ally Financial Inc violated 15 U.S.C. 1692 e ( 4 ), ( 5 ), ( 6 ), ( 6B ), ( 8 ), ( 10 ), ( 15 ), and 15 U.S.C. 1692 f ( 6C ).
On XX/XX/XXXX, Ally Financial Inc called a member of my family and discussed the debt and their repossession order with this person. This call was recorded and Ally Financial Inc was informed about this. This is a violation of 15 U.S.C. 1692 c ( b ).
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| 11/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Credit denial
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, tn XXXX XXXX XXXX Legal Notice Please take notice to whom it may concern On the the date of XX/XX/2023 XXXX of Ally Bank opened a financially sealed file that did not contain her legal information then proceeded to view the document and made a decision of denial as a determination to the credited account, co-signed by XXXX XXXX creditworthiness, due to my knowledge XXXX was looking for a performance certificate, in which the the company is credited when the application was accepted as in good faith the company has failed a moral duty in financial banking there was not a remedy provided nor an procedure for the denial. Furthermore the laws govern by the secured party creditor on connected banking, understanding of being credited.
15 USC subsection 1231 ( g ) 12 USC ( a ) I have a right to credit as the Secured party creditor, withholding credit from the Principal ( s ) and/or the asset ( s ) to my securities is security fraud. You are violating The Equal Credit Protection Act, The Fair Credit Reporting Act, The Gramm-Leach-Bliley Act and the Social Security Administration Act and XXXX XXXX XXXX since I have been denied, please retract my application and take notice of the 2nd part of this notice in which the account has provided an SSN on the record and for the record.
Adverse Action *U.C.C 9-507 *FRCA 15 U.S.C 1681 ( A ) section 2 *Truth in lending USC 1605 *15 U.S.C 6802 ( a ) Notice Requirement in subsection 2 *31 U.S.C subsection XXXX *Title 15 U.S.C subsection 1605 - Determination of finance charge *15 U.S.C subsection 3123 - Payment of obligations and interest on the public debt *15 U.S. Code 1666b - Timing of payments *31 U.S. Code 5312 - Definitions and application *15 U.S.C 1692j - Furnishing certain deceptive forms At this time XXXX XXXX is requesting a refund of XXXX XXXX securities to be released past, present and future to said above account.
FRCA 15 U.S.C 1681 ( A ) section 2 : States Transactions, experiences, and marks are to be excluded from the report.
Furthermore, XXXX U.S.C XXXX - UNITED STATES payment of obligations and interest on the public debt and HJR XXXX.
XXXX XXXX XXXX XXXX - Scope of prohibition a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction XXXX has committed an adverse action and document fraud.
For remedy we are asking for the vehicle ( XXXX ) to be funded in full and the inquiry removed off the credit report.
XXXX XXXX XXXX - CONTROL OF LETTER-OF-CREDIT RIGHT Please give notice to this Legal Notice in completion of request XXXX days any questions or concerns contact XXXX XXXX at ( XXXX ) XXXX or Email XXXX XXXX Best regards, : XXXX XXXX secured party creditor Attorney in fact for XXXX XXXX
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| 12/28/2022 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Can't close your account
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Web |
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Where do I start. On XX/XX/2022 Ally Bank Opened a Fraudulent Checking and Savings account. These account 's were not verified and I did not sign any account opening documents. Ally did not contact me to verify it was me opening these account 's and Ally did not send me a debit card or any account related documents, I have not received any financial transactions from these account 's. Then I further learn based on XXXX that Ally opened another checking account in XX/XX/2022. Again Fraudulent, and did not verify it was not me opening these account 's. These were opened by an identity thief and I did not receive any financial data or account related documents or items for these account 's. I find it interesting that I never received a debit card, checks nothing for these account 's Which I also reported to this company. On XX/XX/2022 These account 's were closed due to fraud. By me. Later I have learned that after the account 's were fully closed Ally Decided it was a good idea to go ahead and reopen the account 's once again not notifying me of this information. I received one letter dated XX/XX/2022 In this letter it says Here is a summary of the dispute ( Again no disputes were submitted ) In this letter it goes on to Falsely accuse me of having a relationship with this merchant of fraudulent transactions. Again, I am not sure where Ally is gaining their evidence but nothing has been provided to back their false accusations. It says this merchant is XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX this is the first time I have ever received a piece of mail from this company. In their reason for decline it says We've concluded that no error has occurred and is considered authorized the disputed transaction was completed with a merchant with whom you have an established relationship. Again FALSE Accusations and incorrect information. Ally has not provided any documentation to back their false accusations. I then received a letter from Ally proceeding to tell me that I owe them {$4600.00} and that the account was reopened. Again all of their reason based on that letter was I have established a relationship with a MERCHANT IN ANOTHER STATE without proof, and AGAIN without a single debit card being received for these fraudulent account 's. I am a victim of Identity Theft and Ally is falsely accusing victims. Ally is also falsely and fraudulently conducting activity and stating I have an established relationship with these merchants when I haven't ever visited a single merchant that they listed. I do not believe they conducted any investigation and the actions being taken on the fraudulent account by closing and then reopening and then falsely accusing someone who didn't even receive a single debit card without proof seems like shady business and not how a financial instituion should be conducting conduct.
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| 05/28/2021 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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As i write this, I am in complete tears. i wrote about this company prior and still no resolution! They have lied in response to my complaint! I am seeking the best legal actions to take at this point! i wake up this morning to more false reporting! they have violated me enough! clearly 15 u.s. code 1692 meaning nothing to them! But the law is the law! I have endured so much hardship due to ally financial! everything about this debt is inaccurate information reported all across the board! not only do they refused to removed this off my credit completely! they continue to taunt me! adding more stress and XXXX to my daily life! this account was put as a charge off years ago! they claim to have sold the debt allegedly owed! yet they themselves are still reporting. While the other company continues to harassed me with letters. I am in the process of trying to Move due to the pandemic and XXXX XXXX dropped my credit 100 point due to ally reporting their lies! on a closed CHARGED OFF account! ( reporting that i have missed a payment this month )! on a closed/charged off account?? from 2018! like this back and forth is sooo stressful me continuously begging them to right there wrongs have sent me into a spirally XXXX! sending letters after letter to both ally and XXXX XXXX! now on XXXX XXXX ally is reporting it as new open account! i want this delete or i wan na find the best lawyers to take legal actions I am at working in tears writing this. I am unable to focus on my job. How can they do this and also allow another company to bully me by constantly sending me letters as well in reference to the same exacted debt! I NEED HELP! THIS IS XXXX AFFECTING ME! Ally financial is a horrible company that continue to falsely report inaccurate and egregious information and I NEED JUSTICE! they are putting me through XXXX! i have documents to back the letters ive sent! voice recordings for them claiming the gap insurance being rebated but i have full evidence that it is still open on a vehicle i have no possession of! down to the last payment they reported is inaccurate. This should be a crime! this is the last plead i am making! i need this removed from my credit expeditiously! or they will have to pay me for each inaccuracy they have ever reported on my Name. now because of them i may be homeless!
Confidentiality Notice : The information in this message is confidential and may be legally privileged. It is intended solely for the addressee and access to this message by anyone else is unauthorized. If you are not the intended recipient, any disclosure, copying, or distribution of this message, or any action or omission taken by you in reliance on it, is prohibited and may be unlawful. If you have received this mail by mistake we request you to please destroy it and contact the sender immediately. Thank you.
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| 12/02/2020 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
|
| 01/31/2017 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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This issue I have may be completely legal, bit if it is something has to change- the consumer is getting XXXX and probably not realizing it!!
I have an auto loan with Ally Financial. I lost my job in XXXX and could n't make my car pmt on time, so I called them and asked what they could do to help me so I would n't get a late history on file along with the fees. They had an immediate offer to assist me. It involved making a partial payment which amounted to the interest portion of my car pmt, and I would then pay the remainder at the time my next pmt was due. They would then move the next o mt due to the end of the loan. I specifically asked was there any charge for this help, and they said absolutely not- and my credit would not be impacted. So, I get to the balance of XXXX pmt due date and go onlune to make that portion of my payment ... .where I find whilet looking at payment history that my principal balance barely changed even tho I just paid them {$490.00}. My normal amout of a given payment is approx {$340.00} principal and {$140.00} interest, but For this month it is showing {$51.00} going to principal and {$440.00} for interest!!!!!
I called for an explanation and for nothing more than " that is a result of the arrangement you made last month. The reas in for the additional interest is simply the extra time involved in receiving your payment.
Had they explained this scenaruo to me when I asked them for clarification last month about what additional cost would be involved I would never in a million years agreed to do what I did.
I have an XXXX, and the difference between a normal intwrest portion of my car payment of {$140.00} and the {$440.00} charge for processing it based on delaying them getting dull payment for 30 days boggles my mind!!!
If this is legal they should have told me about the additional interest cost when I asked them last month to clarify any additional cost other than moving one payment to the back of the loan- which in itself I relied would cost me additional interest on that money until th e account was paid in full. I 'm sure I 'm not the first person to ask for a banks help on making a loan payment, but maybe the first to actually see what affect it had on my principal balance of my car loan. How on earth can this be legal??
XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX PS..here are the exact numbers from my loan account with Ally : Payment on XXXX/XXXX/XXXX .... {$140.00} interest charge .... {$140.00} Payment made on XXXX/XXXX/XXXX ... {$340.00} intere as t charge ... {$260.00}, so total interest charge for the month was {$310.00}!!!!!!
The previous month shows my normal payment of {$490.00} - interest of $ XXXX principal pmt was {$310.00} Do I need an attorney, or can someone in your organization help explain how this is possible?
|
| 07/06/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
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Web |
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Hello, we recently inquird about getting a commercial floorplan with Ally, during the process of contacting the correct people to decuss the different options, I was directed to speak with a XXXX XXXX a Repersentive for Ally Bank, to which my Accountants for our business reached out to him, after the initial contact, I received a email from my accountant saying that they had spoke to Mr XXXX with Ally and he had told my accountant that he could not do business with us because of a past relationship with us ( which we never had ). As soon as I read the email I was taken back I thought wait a minute we have never done business with Ally Bank in the past, so after reading the email I sent a follow-up email to my accountant letting them know about the incorrect info the Ally reperentive has told to him, and requested his info so I could make contact.
Once I received the info on who to contact, I sent a request to a XXXX XXXX at ally bank requesting a meeting to discuss the details of our business and apply for a loan, while also explaining that we never had a account with Ally Bank and that he must have been referring to previous owner of the business we bought out when we opened our new dealership, and that we would just like to opportunity to apply for a loan with Ally.
after sending the message a short time later I received a response from Mr XXXX with Ally Bank, But once again I was met with resistances, he says in the message i quote " I have no choice, XXXX. My company will do an extensive background check and will find this.
Thank you for reaching out, but its out of my hands.
And he sent a news clip form wood TV 8 from XX/XX/XXXXwhen a customer filed a complaint against us with the state. Which at the end of the day was settled and ended.
Once I received his message back I was very upset and hurt, and couldn't understand how because of a invalid complaint from a customer would allow a bank to denie me from appling for a commercial loan. After I did some more research I found out that the person who said I could get a loan ( without every taking a application ) Mr XXXX with Ally Bank, to find out he was the person I replaced when I took over a running this store in XXXX before I bought out the owner was infact Mr XXXX XXXX with Ally bank, so I kinda feel this might be more of a personal problem then corporate mainly because I have never been turned down for a loan I never got to apply for. At this point I would like Ally Bank to be fair with there lending pratices and not allow for this type of treatment for XXXX XXXX XXXX, if someone wants to apply for a line of credit they should be allowed, and not held off by someones personal issues. all we our looking for is a chance. But we weren't even given a chance to get turned down, we we're simply rejected because of hear say.
|
| 01/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
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Web |
|
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Ally Financial ( hereby referred to as Ally ) has violated my federally protected consumer rights by illegally reporting my nonpublic personal information ( The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer ; or ( iii ) otherwise obtained by the financial institution ) to non-affiliated third parties ( XXXX, XXXX, XXXX ) they are in violation Pursuant to 12 CFR 1016.10 Limits on disclosure of nonpublic personal information to nonaffiliated third parties ( a ) ( 1 ) ( i ) ( ii ) ( iii ) and ( 3 ) and ( b ) ( 1 ) and ( 2 ) and 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods et seq, 15 USC 1681a Definitions ; rules of construction ( 2 ) ( a ) ( 1 ), and 15 USC 1681b Permissible purposes of consumer reports ( a ) ( 2 ).
Ally does not meet the requirements to report nonpublic personal information as defined by 12 CFR 1016.13 et seq, 1016.14, et seq and 1016.15 et seq Which are in accordance with 15 USC 6801 et seq, 6802 et seq, 6803 et seq by reporting to these non affiliated third parties without my written consent or without providing me a notice to opt out even after receiving notification of the aforementioned violations and others on XX/XX/2023 by certified mail # XXXX XXXX XXXX XXXX XXXX.
No where in the Retail installment sale contract does it state that Ally may report anything to these non affiliated 3rd parties.
Ally has also violated Truth-in Lending Act pursuant to 12 CFR 1026.4 Finance Charge ( a ), 12 CFR 360.6 Treatment of financial assets transferred in connection with a securitization or participation ( a ) ( 2 ) et seq, since the inception of the account which is defined under 12 CFR 1002.2 et seq as an extension of credit and the word account refers only to open-end credit. Open-end credit is defined via Truth-in-Lending 12 CFR 1026.2 which they were also notified of on XX/XX/2023 as of today XX/XX/2023 Ally has not corrected the situation which constitutes a Breach of fiduciary duty for failing to exercise care in carrying out duties pursuant to UCC 3-307 and 15 U.S.C. 1681n - Civil liability for willful noncompliance.
Ally has failed miserably to protect my nonpublic personal information on seven ( 7 ) separate occasions and has done damage to my credit on seven ( 7 ) separate occasions and failed to send notice to opt out on seven ( 7 ) separate occasions this has caused me unnecessary mental stress with their refusal to correct the aforementioned violations and identity theft, that shows a blatant disregard for the laws and my right to privacy which should have been protected at all costs by Ally and not sold to these non-affiliated third parties.
|
| 06/21/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
Older American |
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On XX/XX/XXXX, I discovered that the title on my truck still had a lien against it since XX/XX/XXXX. I asked the Texas Department of Motor Vehicles for a number to call. The number they gave me was XXXX XXXX. XXXX told me they had no records or information on my vehicle. They then gave me the number for ALLY FINANCIAL XXXX. I called and spoke to XXXX ( no ID # available ) and explained that I needed a clear title to my car. She said she could mail one that I would receive in 3-5 days. I told her this was unacceptable because I was in financial need and needed my title asap. I requested the information be XXXX to me overnight. She said she would. The next day XX/XX/XXXX, I called to get the tracking number so I could check on the delivery time. I spoke with XXXX ( id # XXXX ) and went through the same explaination. She told me she was going to open a case, apparently there was no record of the call I made on XX/XX/XXXX, the case # is XXXX. She would then need to get approval from her supervisor then the title would be sent to me by XXXX and I would get the information in 24-48 hours. I called again the next day, XX/XX/XXXX, and spoke to XXXX ( id # XXXX ). She was not able to help in any way and I asked to speak to her supervisor, who is XXXX ( id # XXXX ). It was after speaking to XXXX that I found out what the problem was, the Title Department at ALLY FINANCIAL, no longer had the title to my truck. The best that could be done was a I could be sent a release letter that I would then need to take to the Texas Department of Motor Vehicles before I could get a clear title to my truck. She also informed me a release letter had been sent by US mail and I would receive it in 3-5 days. I have already told everyone I have spoken to that 3-5 days is unacceptable since my truck was paid off sometime in XX/XX/XXXX and that the title to my truck should have been clear for the last 14 years. Somebody somewhere made a mistake. XXXX told me she would call me on XX/XX/XXXX to give me the tracking number. I asked what time to expect the call. She then told the office would be open from XXXX EST to XXXX and because of the volume of incoming calls she couldn't give me a time to expect her call. I live in a CST State. So I am still in the same spot I was in 3 days ago. I have no other way to solve my financial difficulties, I am currently unemployed and trying to find a second job so I can take of myself. I wrote this complaint because I feel I have no other recourse. ALLY FINANCIAL must be a very corrupt organization. They are being held responsible for {$80.00} XXXX to be repaid to minorities for charging them higher interest rates on auto loans, in addition to an {$18.00} XXXX fine. At this moment I don't know what will happen to me or whether or not I will get the information in a timely fashion.
|
| 08/02/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
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Web |
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I paid XXXX XXXX XXXX a {$1000.00} deposit in XX/XX/XXXX for an out of state move to occur on XX/XX/XXXX. After several weeks of no response or correspondence, I finally spoke with XXXX on XX/XX/XXXX, when I was advised that their mover wasnt able to complete my move '' and my scheduled OUT OF STATE move of XX/XX/XXXX was being changed to XX/XX/XXXX! Note, I initiated this call & this moving date was changed without my consent any or any notice and or communication. In addition to my out of state move having been changed, XXXX also advised me that my furniture would arrive up to two weeks post the new move date of XX/XX/XXXX?! XXXX told me that they were not able to refund my deposit as my move was cancelled after their XXXX window of having booked my move.
XXXX not sure where the disconnect is, but I am the victim here as I paid a {$1000.00} deposit for a move that didnt occur due to no error of my own. If I'd cancelled my move, I'd gladly accept my refund not being refunded, however XXXX rescheduled my move without any notice of consent & I shouldn't be penalized due to their shotty service.
I have previously provided ALLY/OLLO with all of the applicable supports in addition to waiting an extensive wait time to speak to a rep, only to be transferred & placed back on hold and or disconnected.
After questioning my denial with your rep XXXX on XX/XX/XXXX, her response was theres a lot going on in the world, I guess to say this claim was irrelevant and or was not important. XXXX then requested I send in a second letter requesting my claim be reopened, of which I did.
On XX/XX/XXXX, I receive a voicemail from Ally requesting a callback. Today, XX/XX/XXXX, I just called Ally back & spoke to a CSR, who transferred me to the Dispute department, who then transferred me to a supervisor, named XXXX. XXXX apologized profusely for the handling of my claim & requested I fax a THIRD letter in requesting my claim be reopened?! XXXX also indicated that she was forwarding my claim to " Management '' and to expect a call within XXXX as I needed to speak to " Management directly '' as she had no authority?! So to clarify my next steps, I confirmed with XXXX, that I was to anticipate a call from " management '' from an unknown phone number, and If they by chance receive my voicemail again, I would need to return the call to their customer service dept. @ XXXX, who will then transfer me to the dispute department, who will them transfer me to a supervisor, who in turn will transfer me to a " member of Management ( if one is available ) '' and she replied yes!!!!!!!!!!!!!!!!!!!
Aside from my formal complaint regarding my refund, the service provided by Ally is atrocious & should not be tolerated. Please note, that due to the mishandling of my claim, I have since closed my credit card account!
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| 05/17/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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Re : XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, VIN # XXXX ; Ally Financial Inc. ( Ally ) To Whom It May Concern, I am making a complaint about the loss of my subject vehicle that I suffered on or about XX/XX/XXXX due to Ally Financial Inc.s negligence XXXX Ally caused me and my two children, XXXX and XXXX XXXX, to lose permanent possession of my XXXX XXXX XXXX, sustain derogatory credit reports due to Ally Financial Inc., who financed the subject vehicle, placing a past due balance of {$26000.00} on my credit reports which has prevented me from getting another vehicle, severe emotional distress, pain and suffering from not being able to engage in normal day-to-day activities and being forced to ride on buses and rideshares, and financial distress due to having to rent cars costing me in excess of {$13000.00}, when XXXX XXXX XXXX XXXX XXXX XXXX sent the tow truck company XXXX XXXX XXXX XXXX XXXX owned by XXXX XXXX XXXX who has a criminal history involving stolen vehicles I later discovered, to tow my vehicle on XX/XX/XXXX after I had called XXXX Roadside XXXX XXXX XXXX XXXX, who I relied on to send trustworthy tow trucks and drivers but who failed to do so, to tow my vehicle to XXXXXXXX XXXX XXXX XXXX XXXX due to my vehicle being flooded during a state of emergency caused by Tropical Storm Eta. XXXX XXXX lied to me that he could not tow my XXXX to XXXX XXXX and had to instead tow my Jeep to The XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, FL, which is also owned by another criminal, which I later discovered, who prevented me from towing my Jeep to XXXX XXXX the next day on XX/XX/XXXX by presenting me with an outrageous bill for {$2200.00}, which included a {$680.00} tow charge from XXXX XXXX even though XXXX XXXX paid him for the tow from XX/XX/XXXX. XXXX got paid for the tow to XXXX XXXX even though he did not tow my XXXX there and he attempted to get paid in duplicate by XXXX and me by attempting to scam me out of {$680.00}. XXXX ( dob XX/XX/XXXX ) also filed for bankruptcy and listed me as a creditor but I wont get a cent from him because he stole {>= $1,000,000} in tow trucks from XXXX XXXX that he also defrauded. I was not able to pay the {$2200.00} trumped up bill and The XXXX XXXX XXXX XXXX XXXX XXXX was able to fraudulently sell my Jeep on or about XX/XX/XXXX because Ally Financial Inc. without contest or objection relinquished their first lien position on the title of my Jeep but still charged me {$26000.00} on all my credit reports, and I and my 2 children have been left without a car for almost 3 years and have suffered dearly without our XXXX.
In conclusion, I demand to be vindicated.
Time is of the essence.
Sincerely, /s/ XXXX and XXXX obo XXXX and XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX
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| 11/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
Older American |
|
On XXXX XX/XX/XXXX at XXXX I had a conversation with a representative of Ally Bank to check on where my refund of the escrow account was after paying off my mortgage. According to a letter received from Ally I was supposed to receive the check after 20 business days from the date the mortgage was paid off. Twenty business days occurred on XX/XX/XXXX as of XX/XX/XXXX no money has been received. Further, I received a payout statement from XXXX effective XX/XX/XXXX stating my payout amount was {$1600.00} and my escrow amount was {$3700.00} but XXXX would not accept the payment when I attempted to pay off the mortgage because it was part of a sales package to Ally Bank and I must contact Ally Bank on XX/XX/XXXX to pay off the note. Ally was contacted on XX/XX/XXXX to pay off the mortgage but I was informed they did not have the information and the loan number was not set up yet, the earliest I could contact them was XX/XX/XXXX. On XX/XX/XXXX I contacted Ally Bank to pay off the mortgage and was informed the payoff amount due was now {$1600.00}, no explanation was given for the increase in payoff amount. I promptly wired the necessary funds to Ally Bank. Next, I received an undated letter from Ally Bank informing me there was an additional fee for recording the mortgage transfer from XXXX, {$33.00}, as well as an additional {$10.00} charge for interest fees on the remaining mortgage. This is a deceitful and possibly fraudulent practice and the fact they prevented me from paying off the note when I first called on XX/XX/XXXX shows a sloppy business organization, further they made a business decision to acquire the mortgage from XXXX, and the filing fee is an acquisition cost which shouldn't under any circumstances be put off on their customers. The next letter I received was dated XX/XX/XXXX notifying me the note had been paid in full effective XX/XX/XXXX, which demonstrates I was serious about paying off the mortgage. The letter stated a refund check would be received in approximately 20 business days, as of XX/XX/XXXX there has been no refund check received. In my conversation with Ally Bank on XX/XX/XXXX, I was told the escrow check was cut on XX/XX/XXXX, I now have concerns this was a fabrication by the representative I spoke with. I believe they should not be allowed to keep the {$43.00} and the bank should be sanctioned for abuse of lending practices.
Approximately 5 years ago an account was opened by Ally Bank in my name and {$5000.00} was withdrawn from my XXXX XXXX savings account without any contact with me. When I approached XXXX XXXX they were able to reacquire the money for me and forced the account to be closed. I was told the incident would be filed since I didn't know who to approach to file a formal complaint so my history with Ally Bank is not a positive one.
|
| 07/24/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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I contacted Ally Financial on XX/XX/2023 regarding my auto loan payment ( {$340.00} ) for the month of XXXX. I contacted the company through the customer website and engaged with a chat representative. I requested that the XXXX payment of {$340.00} be deferred and moved to the end of my loan. The chat representative initially communicated that I may not be eligible for a long term deferment but I clarified that the payment deferment was only for XXXX ( due to a hardship ) and that I would resume my excellent payment standing immediately when the XXXX payment was due.
The chat representative confirmed that the payment deferment was submitted and approved. I requested and had the chat rep reiterate my request and the confirmation of the approval again to ensure that it was documented accordingly.
I begin to receive text messages alluding to my XXXX payment being late but when I received a phone cal from Ally on the morning of XX/XX/2023, I contacted the company again via chat to find out what was happening. I was connected to a chat representative by the name of XXXX. I explained the situation and was advised that my request for deferment/extension was submitted for manager 's approval but was rejected.
I advised XXXX that the previous chat rep confirmed my deferment approval through the previous chat and that Ally hadn't communicated any rejection to me via phone, chat, email or US mail. XXXX then offered to raise a new extension request for me. I agreed and stated, as I have an excellent payment history with Ally, I can and will continue to make my payments on time but the previous chat representative and Ally 's error was completely unacceptable. XXXX didn't respond any further, in fact he disconnected from our interaction.
I called the customer service number XXXX immediately and was on hold for an hour and a half with no assistance. I just kept getting " You call is important to us, please hold for the next available agent ''. No one is answering the customer service/billing lines. I tried to use the " Email '' path to get assistance but it gave an error message that the request can't be completed at this time or to try again later. I have attached the chat conversation from today, XX/XX/2023. I have also included error message from the email ( contact us ) from the website that i received today as well.
I have made my payments on time and my credit standing shouldn't be endangered by this complete and utter lack of customer service and business protocols by Ally Financial. This has put me in a unfortunate position that I hope to soon rectify but this incident is completely unacceptable towards me as a protected consumer. I would humbly and greatly appreciate assistance please in resolving this issue, as I can get no methods of resolution from Ally.
|
| 12/29/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
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|
Web |
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I have had a vehicle lease with Ally Financial since XX/XX/XXXX. I have been manipulated more times that I like to admit with this company and the paper trail I have is Astronomical. The start of the problem occurred back in XX/XX/XXXX of last year when I had fraudulent charges on my account that caused a check payment made on my behalf to be reversed. I however, was not made aware of this stop payment nor does it show record on my Banking account or with proof provided by Ally. But that did n't stop Ally from charging me a Late fee for over a year. I will include a Payment summary that I had Ally fax me as you can see that even on this sheet the accounting is off, and there is no proof or significance of a late fee accruing or charged. Part of my biggest compliant here is that I have NEVER received paper billing nor did I opt out of such, so I have been forced to used a mobile app to make monthly payments, and even that does not show late fees or notices. I have not gotten a call until this month ( XX/XX/XXXX ) letting me know that I have over {$220.00} worth of late fees to be exact, and they tried to smooth things over by telling me that they wo n't accrue interest and they can be paid anytime. I 'm sorry but I 'm still getting a {$30.00} late fee per month until they are caught up, and come to find out they have been dinging my CREDIT as well! I 'm outraged at how violated I feel in all of this, and at the hands of a company with XXXX customer service. I have made a phone log of how many times I have called their office only to be transferred at a minimum of XXXX times, and then when told my fees would be waived by speaking to someone in esculation and I was of course then disconnected! My most recent phone call was a total of XXXX hours and XXXX minutes. The only time I was able to get somewhere with a representative is when I finally got someone who spoke no broken XXXX and she also agreed that she showed no calls or reason why I would n't be receiving paper statements and that I also based on her billing summary I was paid up to date with a credit of {$11.00} on loan payments, regardless of late fees. She also promised that I would receive a call back within XXXX hours in regards to the paper statement issue and I still have yet to hear from them and that was on XX/XX/XXXX I feel like I am getting no where very fast with this issue and I need help in resolving this matter. I am very aware that I am not the first and I 'm sure I wont be the last they take advantage of. I would sooner have another bank take over this loan, but the damage they have done to my XXXX in just a year has n't helped me, and I feel very stuck! Therefore, If I ca n't get this resolved at this level I will seek Legal Council regarding possible UDAAP violations at consumerfinance.gov.
|
| 07/26/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
In XXXX of 2015, I ( my son ) returned a Buick Enclave that i had leased in XXXX, Delaware at XXXX XXXX XXXX. Ally Financial was the banking organization utilized by the Dealership.
The lease had expired in XXXX 2015. Turnover of the car to the dealership went well. The car was physically inspected by employees of the car dealership and found to be in acceptable condition-no damage. All financial aspects were found to be acceptable and no additional payments were due.
Three months later the bank, Ally Financial, threatened to repossess the car since the lease payments had not been paid. We explained that the lease had terminated three months earlier and that the car had been with the dealer for the past three months. Lease charges were erroneous. However, now, after the dealer being in possession of the car for three months, it had been damaged- a scratch existed which Ally wanted fixed at my expense. Subsequently, the bank dropped the three month lease charge and now requested one month 's payment and payment for repair of the scratch appeared to be negotiable. The total charge, including repair of the scratch amounts to {$780.00}.
I contacted Ally Financial to find more information such as why they considered the payment charge to be outstanding and to state that since the car was in the possession of the dealership for three months, after it had been accepted by the dealership as having no damage, the repair was the reponsibility of the dealership.
The basis for the outstanding payment charge varied with respect to whom I spoke. XXXX claimed that the charge was for XXXX despite the car being returned in XXXX. The cost of the repair however, appeared to be open for discussion on their part-but not mine!
All remained quiet until this XXXX when correspondence started to appear demanding the {$780.00}, with the standard threats of notification of the XXXX credit agencies, lawyers, etc. I contacted the Delaware State Regulating Authority who regulates Allys financial activity for the state, and they are presently investigating Ally Financial 's charges. Insofar as i am concerned, I can find no basis for their claims. And responses appear to be totally dependent upon the Ally Financial person to whom you speak.
Finally, ALL Ally personnel refuse to discuss the issue with the XXXX XXXX XXXX for reasons they will not reveal.
It is now close to a year since the lease expired. Ally has yet to present a factual basis for their charge of payment due, except for a " claim ''. In contrast, both myself and XXXX XXXX XXXX agree that all requiements have been met. This claim may just may be due to faulty record keeping, similar to other claims Ally Financial has made Under the current circumstances they have failed to provide any factual basis for the claim
|
| 05/09/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
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On XX/XX/XXXX, I filed a complaint dispute for a fraudulent charge on my OLLO credit card with OLLO. The charge was from XXXX for {$31.00} and I did not make this charge. The OLLO card had not been used for any purchases since XX/XX/XXXX and had a balance of {$0.00}.
I was told by a representative that they would report the fraud charge to their security department, and it would be resolved in about 2 weeks. After two weeks it was not fixed and was transferred to another department for dispute resolution, then transfered back to fraud, back to dispute resolution, back to fraud, and finally to security. By XXXX, the claim had been bounced around unresolved for two months. I began receiving emails from OLLO telling me that they were applying late fees on my card, interest, and that they were reporting to my credit late payments. By this point, I had contacted OLLO by phone over 18 times and had spent almost 15 hours total on the phone with different reps. I was assured that this was being taken care of, that non this would not be reported to my credit as it was not my charge, the late fees would be taken care of, and not to worry. On XX/XX/XXXX, during my XXXX phone call to OLLO I was told the fraud charge was finally being reversed along with the late fees and interest charges. However, this did not take place and on XX/XX/XXXX I discovered OLLO had reported this to my credit, had only reversed ONE fee & the fraudulent charge.
I have asked for my calls to be reviewed, escalated, called over 28 times, spoken with countless employees and am not being helped. On XX/XX/XXXX, I spoke with a banking manager at ALLY who owns OLLO 's banking and was told I had to pay the late fees on the charge I never made and had been disputing since XX/XX/XXXX. I was also told by the same manager that they can report it to my credit for non-payment even though the fees were illegally applied to a fraudulent charge that had been deemed fraudulent.
This is in direct violation of the fair credit act. A company is not allowed to report a late payment, charge fees, or charge interest on a charge that is in dispute or deemed fraudulent. I have tried to work with OLLO for almost three months and the situation is becoming worse and now they are illegally charging me fees and illegally hindering my credit report. I am NOW in grave fear this company is intentionally hindering my credit as I have made every effort to resolve this issue. I fear I am being bullied into paying fees I did not cause as this company will illegally report things on my credit report.
I have attached screen shots showing the illegal fees being charged on a fraud charge. The letter showing the fraud charge being looked into & removed. I have also attached where it shows OLLO reported this to my credit.
|
| 01/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Ally financial is reporting wrong closing date on the report.
It has been closed since XX/XX/XXXX, they have reported to XXXX and XXXX as closing date XX/XX/XXXX.
It has caused my credit score to lose 70 points. I tried reaching out to the Financial instatution and they do not want to provide me with any information.
I also contacted both credit bureaus. XXXX has corrected my score, XXXX has not. Below is the information gathered from my XXXX report.
Your ALLY FINANCIAL payment history has changed Your account payment history was updated. Here 's what changed : XX/XX/XXXX - Unknown XX/XX/XXXX - Current XX/XX/XXXX - Current XX/XX/XXXX - Current XX/XX/XXXX - Current XXXX XXXX - Current XX/XX/XXXX - Current XX/XX/XXXX - Current XX/XX/XXXX - Current XX/XX/XXXX - Current XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XXXX XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XXXX XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XXXX XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown Here is what your payment history showed before : XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XXXX XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XXXX XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XXXX XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XXXX XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off Nice! It looks like your payment history was updated or corrected. The more on-time payments you have, the better.
|
| 07/07/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I have had a car loan through Ally Financial Inc. for three years. I have had many issue 's with this company starting soon after. There have been a total of at least XXXX checks that have been " lost '' by this company. Forcing me to reissue the check. The call center for this company is located off-shore. The individuals working in the call center do not speak clear, concise English. They are unable or unwilling to help. Though they have no trouble in using many different bully tactics to intimidate and threaten. I have received up to 10 calls in a day. These calls are robo-dialed, when I answer the phone, I have had to hold on for up to 3-5 minutes to waiting on XXXX of these individuals to come onto the phone. The calls can come every 15 minutes, or every two hours. This company states they may record calls for quality assurance and/or training purposes. However, if told that they are being recorded, they state that they can NOT be recorded. I attempted to be nice in the beginning. I have now become just as rude and mean to these individuals in the same manner as they are to me over the phone. Ally encourages and condones the questionable business tactics used by these call centers. The one time that I did speak to an individual who was located in Texas. I was called " racist '' for having the utter audacity to complain about the inability of the off-shore call center to speak clearly and their inability to answer the most simple of questions. Now, for the first time, my loan has went past the 30 days, due to the fact, yet another payment has been lost, not received or not posted in a timely manner. Which adds another late fee, in addition to being reported to the credit bureau ( s ). I have resorted to sending payment with a delivery confirmation, which is an additional expense of XXXX-XXXX dollars, when I am able to. It is my firm believe that this company is conveniently loosing my payment in retaliation for my not quietly accepting the treatment by the associates, agents, employee and/or representatives of this company. The bully tactics, harassment, intimidation and threats, which are both express and implied, are going to have to stop. If this company expects respect then they need to show a little respect. The added stress that is directly related to Ally and their less than professional business tactics have started to affect my health. I would like for an investigation to be conducted concerning this business. This business needs to supply the requested documentation. I do not believe that a company can loose XXXX or more payments in three years. The bullying and revenge/retaliation tactics need to stop. I am considering bringing a legal suit against this company and will include the mental and emotional distress caused by this company.
|
| 10/31/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
so many problems with Ally ... where do I begin?
( Note that there are numerous problems with Ally, but the CFPB complaint form only allowed me to choose one account and one problem ) 1. Scam : a. I received a phone call ( allegedly from XXXX at Ally Executive Customer Relations ) and email telling me to call a phone number that I don't know ( XXXX ). I XXXX called that number and left a message - then later I searched for the number online and it's high risk of spam. On XX/XX/XXXX I messaged Ally through their website " I received a phone call from a number caller ID calls " SPAM RISK '' asking me to contact Ally. Also an email... Please communicate only via this online Secure Message system, so that I can be sure it isn't a scam... And if you need to tell me something ... what do you need to tell me? '' I have never heard back from Ally - not in response to the voicemail I left, and no response to the message I sent through their website. b. So was it Ally who called / emailed, or not? c. And if so - what does Ally want? Per my message - Ally should communicate ONLY through their website so I know it's really them. d. And if it wasn't Ally who called & emailed - how did the scammer get my information?
2. MAJOR problems with debit card : a. They cancelled my debit card without telling me- this could have caused a very embarrassing or even legal problem if I were unable to pay for my meal. I have a new debit card now so this is no longer an issue for me- but the fact that they will cancel a debit card without informing the customer IS an issue.
b. They allegedly sent me two debit cards which I did not receive. NOTHING should be mailed to my street address EVER. That's why I have a separate MAILING address. Even though thecards have been cancelled, there are still questions : What address did they send them to? And why didn't I receive them? As I have messaged Ally, I was a victim of identity theft- do they have another address for me? Did somebody hack my info?
c. As I messaged Ally on XX/XX/XXXX through their web sitebut they have ignored my message - when I FINALLY received my debit card, I was unable to use the toll-free phone number on the card to activate it, as it would bring me to an endless loop of voice messages. ( I finally was able to activate it using their phone number for out-of-country phone calls.
3. Retirement account : a. They have yet to answer my question about what KIND of retirement accountwas my XXXX account, and they refuse to answer - onlystating that it is a retirement account ( duh ) but not telling me what kind ( IRA? Roth IRA? Other? ) 4. Checks a. I ordered ten checks- and received 20 checks with the wrong starting number. So far this has not caused problems, but it's yet another example of their incompetence.
|
| 03/06/2019 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem with fees or penalties
|
|
Web |
Older American |
|
My complaint and gripe is regarding on-line giant, Ally Financial, previously known as XXXX ( an acronym for XXXX XXXX XXXX XXXX ). It's a US-based bank holding company organized in Delaware and headquartered in XXXX, Michigan. I was a sucker! I went to on-line banking for a few pennies more interest and it cost me {$2500.00}. Oh ... Ally didn't do anything illegal, they just removed the human side of banking and turned it and me into basically an ATM machine! Hopefully others won't fall into the same trap.
THE STORY : 8 years ago I took the proceeds from the sale of my home ( {$250000.00} ) and purchased a Certificate of Deposit ( CD ) with 'new ' on-line Ally Bank. Their percentage rate was slightly higher. So instead of dealing with a local 'bricks and mortar ' bank that had a real human being sitting at the officers desk, I sold my soul to the XXXX and sent my quarter of a XXXX dollars off into cyber space ... AKA ... Ally Bank! For 8 years, I never made a withdrawal. For 8 years, I redeposited the interest back into the CD letting Ally keep every single penny. Fast forward 8 years and a family emergency popped up and I needed to withdraw the money out of the CD to cure the emergency. I contacted Ally and they informed me of the " penalty clause '' that said it would cost me {$2500.00} to collect my own money that had been entrusted to Ally for the past 8 years. Oh.. I know it's legal for them to penalize me as they have ... I'm not arguing that point. My {$2500.00} is gone, probably into some bankers weekend slush fund. My gripe is, I had no one to go to to explain the human and personal side of my situation. There was no bricks and motor ... there was no human being on the other side of the desk at a local branch to plead my case to. All I got was an 800 number and a recording that basically said ... " We're so sorry ... XXXX XXXX ''!
The purpose of the penalty in these cases is prevent one from using the CD as a checking or savings account. For 8 years, I entrusted my money with Ally to invest and reinvest and do with as they pleased. I never made a withdrawal and always reinvested to interest with them. But when I had a personal problem, as humans often do, I got to see the hard cold reality of on-line banking. Turn on, tune in, drop dead!
MY ADVICE : Don't do what I did. I was narrow mind and stupid. I never envisioned a family emergency arising down the road, only to have digital corporate America reach in my pocket and remove {$2500.00} of my hard earned money without a blink of the eye. There are banks on every corner in America with real human beings working in there, just like you and me, and will have some compassion and understanding when the need arises. You can bank of the fact ... that will never happen at Ally Bank!
|
| 11/27/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
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My wife and I were closing on a house on XX/XX/2020 at XXXX XXXX with Ally Home Loans. The day before I still had not received the final closing disclosure. I called Ally Home Loans multiple times and was told that they were " working on the final disclosure '' and that it would be available sometime in the next couple hours. Around XXXX they sent me the final closing disclosure with wiring instructions to wire the remaining money for the down payment. I wired the money to the escrow within 10 minutes of receiving the final disclosure. The day of closing, we did the final walk through of the home and then went over to the land transfer office for closing. The land transfer office then informed me that my wire transfer had not cleared yet or my loan was not funded. I called Ally Bank and asked why hadn't the wire transfer cleared yet. They said that wires are sent in the order they are received and that it would be done by the end of the day. I asked why the final closing disclosure was given to me less than 24 hours in advance if wires took this long to clear. He did not have an answer for me as to why the disclosure was given to me so late. We signed all the papers and still the lender wire and my bank wire had not cleared yet. I spent the next 6 hours calling both Ally Bank and Ally Home Loans trying to figure out the status of my wire and loan funding. Ally Home Loans apparently had messed and not funded the loan property for my closing. When I kept calling them I would get in touch with a general customer service representatives but when I was transfer to my " closing expert '' ( the guy at the lender in charge of closing ) they did not pick up the phone. When I asked to be transferred to any loan officer, I was told that " none were available to speak with me ''. Eventually we did get in contact with our closing expert around XXXX XXXX. He told me he was not sure if the loan would be funded today because the lender had messed up and needed a " XXXX XXXX XXXX XXXX ''. Once that document was signed our closing expert said he was transferring the loan to the funding department and he would call back if and when the loan was funded. Because of the lack of communication from the lender we opted to stay on hold for roughly 2 hours until we received the IMAD number which was provided to use around XXXX XXXX. During that time my wife was on hold, I was calling Ally Bank to see the status of my wire. I was told by one supervisor that she had contacted the wire department and they had placed my wire in the front of the queue and it would clear within the hour. An hour passed and the wire still had not cleared yet. Around XXXX XXXX, roughly 6 hours after we were suppose to close the wire cleared and we were able to officially close on the house.
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| 12/21/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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I recently submitted a complaint against Ally Bank and this complaint has a lot to do with the first XXXX.
In my previous complaint, I mentioned a conversation with a customer service representative named XXXX. Before that conversation with XXXX ended, I asked her if she could tell me the principle amount that was left on my auto loan. She could not find that information and transferred me to a customer service agent that could. Her name was XXXX and she refused to tell me what that principle amount that was left was! I explained to XXXX that it 's a simple interest loan which means that there is a finance charge that is tacked onto the principle amount. She said that the principle amount was {$14000.00}. I said that was the total amount left on the loan and again asked her what the principle amount was. She said that the {$14000.00} was the outstanding balance on the account as well. She would not answer my question and that was also very concerning for me. Ally wo n't tell me what the principle amount is, because if I pay that amount off first, they will lose out on the interest amount! XXXX said she would mail a letter explaining the loan ... it should be available on my online account but currently is not!
I called Ally back, XXXX XXXX, 2016, at XXXX XXXX time XXXX I spoke to a representative by the name of XXXX. I asked him the same question regarding the principle amount remaining on my loan. He did n't have the answer and put me on hold and said that he would transfer me to someone who could answer that question. I was on hold for about 10 minutes before Ally disconnected the phone call. It appears that they do n't want me to know the principle amount owed because it is less than the {$14000.00} outstanding balance. And with a simple interest loan, if I pay the principle off first, Ally loses out on the interest. I know that there is a 6.74 % interest rate included in that outstanding balance.
At that point, I was frustrated with Ally because here I am trying to work with them and it appears that they are trying to pull a fast XXXX on me.
I need your help in resolving this issue. Ally was already found guilty of charging higher interest rates on minorities- which I happen to be- who applied for an auto loan and this is headed directly down that path. A simple breakdown on my loan is all that I 'm asking for. How much of the {$14000.00} is the principle amount? It can not be the principle and outstanding balance. The finance company for the last vehicle I bought, broke the loan down completely. The amount of the car, the interest rate, and the total dollar amount of the interest over the XXXX period. Surely Ally Bank can do this! Would you please assist me in finding out why Ally CAN NOT or WILL NOT provide me this information?
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| 03/31/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
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On XX/XX/2021 we leased a XXXX XXXX from a dealership in XXXX. We have excellent credit and without consulting us the dealership chose Ally Bank for use & we didn't have a say.
We didn't know our loan was assigned to Ally Bank until we received the first bill about three weeks after closing with the dealership. no one explained anything to us nor gave us any instructions, not the dealership & not Ally Bank.
About 2 months ago the XXXX was stolen and we were working with our insurance adjuster. The adjuster called Ally Bank and asked for our loan pay off but Ally Bank refused to provide him with the information. We then tried calling Ally Bank ourselves, asking for the payoff. We spoke to three different departments plus a supervisor and they all refused to provide us with the payoff information of our own loan.
The reason why they refused to give us our payoff amount is because they wanted to get the highest amount they can from the insurance company.
We owed Ally Bank approximately $ XXXX and the insurance company not knowing our payoff amount offered us {$62000.00} to settle the insurance claim. But then we received a call from Ally Bank stating they would get the full {$62000.00} amount and we would get nothing. they relayed that they owned the vehicle, not us, and is why they would receive the entire amount from the insurance company.
So while we lost an approximate total of $ XXXX, which included the down payment, the added XXXX '' wheels with lift, numerous personal items stolen from inside the vehicle, $ XXXX in monthly payments paid to date and the difference in the current market replacement value we would need to pay for the same vehicle purchased only a few months ago.
Ultimately, we lose $ XXXX and Ally Bank makes an extra $ XXXX. Even the insurance adjuster told us, he'd 'never dealt with a bank that takes all the money from their customer like Ally Bank . ' To put it into simple terms, if I had made a $ XXXX down payment on a $ XXXX auto loan, Ally Bank would still have received the {$62000.00} insurance claim even though the loan amount would only have been $ XXXX. That's exactly what I would have lost in this scenario ( - $ XXXX ). This is what I call fraud.
Ally Bank is taking advantage of their customers in a deceptive manner and by refusing to provide the payoff, in order to get a higher amount from the insurance company, it definitely feels like fraud.
So now after losing all of my savings, the $ XXXX auto investment, I have no money left to buy a new car so I'll have to live without a car for a while.
Someone needs to put a stop to companies like Ally Bank who are taking advantage of their customers.
I am hoping you can help us and others like us put a stop to this type of company greed and deception.
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| 08/31/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
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|
Hello, Please see the summary below : -Ongoing delinquency in paying on loan due to loss of job and health issues.
XXXX XXXX XXXX paid the delinquent amount after multiple struggles to get a means to route the payment to Ally including online, online third part debit, and XXXX XXXX Access to my account was restored and I submitted the payment of {$3500.00} via Ally portal draft.
XXXX XXXX XXXX I recognized funds had not come out of my checking account, recognized the routing number had been entered instead of account. Contacted customer service via Chat. Instructed to enter the payment with the correct account number. I requested notation on the account and was told it would be done. Submitted payment for {$3500.00} via online draft. Draft automatically dated for next due date. Edited date for same day. No issue on submission.
XXXX XXXX XXXX received a phone call from Ally rep stating I was in repossession and delinquent on the account. Notified by representative that the loan would be discharge if I did not pay. Explained that I do not have the funds as they had been removed from my account. Representative instructed me I would need to pay it or place it on a credit card after the representative spoke to his supervisor. I replied that was not an option as the payment is marked completed in my transaction history on Ally and the funds have left my account. Representative notified me the loan would still be discharged within a day. I requested to speak with a supervisor. XXXX XXXX reviewed my understanding and confirmed my timeline of events. I asked that if the loan was going to be discharged regardless of my completed payment could she locate my funds. After a hold she notified me that the amount I paid was filed as a Overage Payment and that is why my record reflected ongoing delinquency and order for repossession. XXXX XXXX stated that customer service would need to change the application of the funds to fix it. I requested to speak with her manager as this represents an Ally process and infrastructure problem that would have resulted in major financial repercussions for me despite having completed my agreement. We became disconnected. I called back in and was routed to XXXX XXXX 's managers voicemail according to the representative. I left my name, loan number, and phone number on the voicemail requesting a timeline for repossession to be removed and the account to reflect my current transactions with Ally.
I am requesting that Ally update it, and any records forwarded to other entities, reflect my delinquency was brought current on XX/XX/2022. I would also like updated if my vehicle is still in repossession as this creates a major dynamic change I will need to address to protect my income and my life stability.
Thank you
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| 12/26/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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This letter is to file a complaint against Ally Bank for the way it has handled my EFT dispute which has gone against the procedures outlined in Reg E and the EFT Examination Checklist which is provided in the REG E policy statement provided by the CFPB website.
On XXXX, I disputed several charges appearing in my XXXX through XXXX statements. I was sent an email and a letter outlining what the bank was going to do and what they were not going to do.
Chief complaint is that Ally Bank has issued me a provisional credit based on the wrong dates and the wrong amounts. 2nd Complaint, when I brought these errors to their attention by phone call and 3 emails, I have been ignored with no contact at all and when I tried to reach the dispute dept through customer service, customer service, after speaking with dispute dept, informed me that, the dept does not need to speak with me and that they will write to me when investigation completed. I Asked customer service what if I needed to give dispute dept information that may help in their investigation, I was told that I could send an email through the bank message system.
3rd complaint is that the bank never demonstrated nor offered to demonstrate that these unauthorized transfers would not have occurred had notice been given within the 60 day period. They only said that I did not notify them within 60 days of the statements in question.
This dispute is based on Unauthorized transfers not involving loss or theft of an access device. The Timing of Consumer notice to bank is More than 60 calendar days after transmittal of the monthly bank statement on which the unauthorized transfers first appeared which was the statement dated XX/XX/XXXX. maximum Liability for Unauthorized transfers occurring 60 calendar days after the periodic statement and before notice to the financial institution which in this case would be 60 days after XX/XX/XXXX and before XX/XX/XXXX which is date I notified bank. So my Max Liability would be transfers form XX/XX/XXXX to XX/XX/XXXX approximately. The bank should have sent me within 10 days of my notice to them a provisional credit in the amount of {$5200.00} which corresponds to the unauthorized transfers in the XX/XX/XXXX statement through XX/XX/XXXX. The bank sent me provisional credit from XX/XX/XXXX through XXXX in the amount of {$1100.00}. Again, when I tried to inform them of their mistake I was ignored totally.
And 4th complaint, Today on XX/XX/XXXX, I was sent an email from them restricting my account access because the account has a negative balance of {$82.00} dollars which I was thinking would be resolved when they deposited the correct provisional credit.
I am sending copies of all my emails and documentation I sent to them to aid in their investigation.
|
| 10/03/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
Servicemember |
|
In XX/XX/2018 I needed to buy a new used car, I started to submit applications for USED VEHICLE LOAN with XXXX, and my Credit UNion. My Credit Union In DC offered 2.4 % and I was working on to get this loan.
IN meanwhile I shopped for other auto loans all around including with XXXX, with Credit UNion and thru my dealer, XXXX XXXX of XXXX.
I recognise hard inquiries from XXXX x 1 inquiry, I recognise 1 Hard INquiry from Credit UNion, and I see 1 hard inquiry from XXXX XXXX and 1 from XXXX.
However, I was surprised to learn that there is fourth hard inquiry from and by ALLY FINANCIAL of either MN or XXXX XXXX CA.
I did not apply for a AUTO LOAN to ALLY Financial.
Moreover, I am horrified to learn about HOW MUCh INFORMATION is there on my ordinary XXXX credit report about me and about MY PROPERTY- I presumed that ALLY Financial consider my HOME in form of COLLATERAL against AUto LOAN?? are you kidding me?
that I will place my HOME as a collateral against car???
UNHEARD OF!!!
When I received this Credit Report from XXXX, in XX/XX/2018 and I studied it, I realized that there is ALLY FINANCIAL whom i do not recognise.
I was horrified about how much information ALLY Financial Provided about me on XXXX C Rep.
The information on page 3 is taken from the District of Columbia Real Estate LAND OFFICE, where there is a confidential information about my property FOR YOUR EYES ONLY! NEED to know basis.
However now everybody who is not lazy can dig out my C Rep and read it like a novel.
I protest against such a violation in my privacy and disclosure of my property information on ordinary credit report.
It is very upsetting.
I dont know who these people are. ALLY Financial.
And I want this report to be OUT from my Credit Report.
I called to XXXX and I asked XXXX to remove it.
In XX/XX/2018 I was still weak after my 5 hours XXXX in XX/XX/2018.
But now i am strong and this hard inquiry -- disclosure is not recognised by me, I did not do it, I did not made my home as a collateral against auto loan.
I want them ( ALLY ) to remove this piece of hard inquiry by Ally Financial from my Credit Report on XXXX.
PS I received several mailers from ALLY FINANCIAL. I wanted to save it to include to my complaint, but alter I threw it away.
however, I collected now all double inquiries and unknown to me inquiries like Ally Financial, and I am filing complaint against this abuse I dont know who these people business are.
I have nothing to do with them.
And I would NOT I would NOT place my home as a COLLATERAL against a auto loan.
It is just a car no matter if it is XXXX or XXXX. And My VA home loan guarantee is a HOME.
Home is Home. It is in the BIBLE : SHELTER CLOTH and FOOD. There is nothing about CARS in the BIBLE.
|
| 09/07/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
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As of today XXXX XXXX, 2017 I am currently in debt to Ally financial for the sum of XXXX I admitted that because of my bankruptcy and other issues that have occurred hospital bills, etc I was unable to stick to the agreed upon amount initially, although I have been in contact with the lender the only option that I have to make payments was disabled and they are currently attempting to repossess the vehicle. I advised the supervisor last week the vehicle does not run nor is it driveable and I just wanted to resolve the issue so that I can clear my credit. I was advised they would continue repossession attempts and then the account would go to the charge off department if they could not collect since I did n't have the full amount. I called Ally financial today to inquire about the location of my loan the rep that I spoke with initially I am unaware of her name she became rude and irate stating that since I was refusing to give the car back they were going to take legal action. I explained to her that was not what I had been explained last week and I was not refusing anything the car did n't work anyways I just wanted to pay my debt I was transferred to the supervisor who was out until XX/XX/XXXX I then called back got XXXX who advised my account was in the legal department because I refused to surrender the vehicle I then explained to her over a period of five minutes from terminating the last call my account was moved none of this was making any sense to me I repeatedly asked her where the account was located currently she advised me the charge off option was not an option for m since I refused I then advised her again that I was not refusing anything I simply want to pay off the truck and try to work out this matter no I do n't have XXXX to hand over currently but all options for form of payment for me have been cut off by the provider I ca n't make an online payment with my debit card or anything. At this point I have to wait for the supervisor to come back or for my account to move on it 's on because no one is willing to accept my payments. Is this normal for a car that does not run for a creditor to be so rude and try to belittle you? I am only wanting to make payments but they are absolutely like payment in full or nothing. I do n't know if hey have followed the direct channels in this matter my account was not accessible through out this entire time period online for me to make payments and I only made two payments online because I was never told how to make payments online for bankruptcy individuals. I was only allowed to go to western union which is only accessible outside of my work hours. Please help me to resolve this matter or look into this matter so that other consumers do not get treated the way XXXX treated me.
|
| 06/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
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I am writing to file a formal complaint against Ally Financial for their failure to comply with federal regulations, resulting in late payments on my vehicle loan and unauthorized disclosure of my personal information. I believe that their actions have violated important consumer protection laws, specifically 15 U.S. Code 1666b and 15 U.S. Code 6802.
On XX/XX/XXXX, I sent a certified letter, bearing the Certified Mail Number XXXX XXXX XXXX XXXX XXXX, to Ally Financial, requesting the removal of late payments from my account. According to 15 U.S. Code 1666b, a creditor must adopt reasonable procedures to ensure that periodic statements, including the required information, are delivered to the consumer at least 21 days before the payment due date. Ally Financial failed to fulfill this obligation, resulting in late payments in XXXX and XXXX of XXXX. These late payments were not my fault and should not have occurred.
Furthermore, it is important to note that the original contract, which identified XXXX XXXX XXXX as the creditor, was rescinded on XX/XX/XXXX. Therefore, Ally Financial, as the current holder or assignee of the contract, is responsible for adhering to all applicable laws and regulations.
Additionally, on XX/XX/XXXX, I sent another certified letter, with the Certified Mail Number XXXX XXXX XXXX XXXX XXXX, explicitly requesting that my personal information not be shared with any third parties, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, or XXXX. This request is in accordance with 15 U.S. Code 6802 and The Privacy Act of 1974. As a customer of Ally Financial, I have the right to control the disclosure of my personal information, and I explicitly stated my desire for it not to be shared.
I am deeply disappointed by Ally Financial 's failure to meet their obligations under the law, both in terms of the timing of payments and the unauthorized sharing of personal information. These actions have not only caused financial harm but also infringed upon my privacy rights. I expect Ally Financial to rectify these issues promptly and take appropriate measures to prevent similar incidents in the future.
In light of the aforementioned violations, I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate enforcement actions against Ally Financial to ensure compliance with federal consumer protection laws. I also request that you keep me informed about the progress of this complaint and provide me with a copy of any findings or resolutions.
Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to protect consumers and ensure that Ally Financial upholds its legal obligations.
|
| 08/07/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Servicemember |
|
I have an account with Ally, that was drained by an identity thief. Based on the number of complaints I have found online, I see this is nothing new.
I did know this thief, her name was XXXX XXXX, which ended up being a false name. I worked with her and had at one time authorized a charge for up to {$100.00}. She had all of my information, as well as my husbands. We do not understand how she accomplished this. She successfully stole {$5100.00} out of her account, and laundered it on XXXX.
Because I had an pre-existing relationship with XXXX, as well as a working relationship with her, Ally denied my dispute claims. I have official police reports, a press release from the DOJ, and even a Special Agent from the FBI to verify her now being in custody. The total amount stolen was over {$13000.00} USD combined with other accounts she had illegally accessed. She used my identification provided at the time I applied for contract work with her business. Nothing else was authorized, and we have been devastated by this.
Ally made this decision within 6 days, refusing an appeal, even with my offer of a sworn-affidavit to the fact that I did not authorize more than {$100.00} on up to 2 charges, combined.
Allys position is that if we ever conducted a legal transition, even if it was only once - that preexisting relationship means denial. Period.
This is theft. It is a felony theft, and I filed charges. I sent proof this woman was in Federal custody, and sent the full sheriffs de
partment report, as well as a full report with evidence to the FBI via IC3.
I have spoken with an attorney who suggested we sue for {$50000.00} or more, in light of further duress and damages. Ill have to save up to afford his retainer, and Im crushed by this. This was a crime, I am a victim of this crime. They refused to advocate on my behalf despite all of this evidence of multiple crimes.
Im angry, and it appears that Ally is saying if any of us have a relationship with a company that has regular deductions, it will NOT protect us from exorbitant withdrawals to that same company that deviate from our spending patterns ; because of that previous relationship and our prior approval for normal expenses. Whether {$6.00}, or close to {$6000.00} - it's all the same to them.
If we are victims of theft, or identity theft, we are screwed. DENIED - and no appeal, no provisional credit, no call to the Sheriffs department, or the FBI agent listed, no real investigation. Just - Too bad, we do not care, and we will not be your Ally despite this being an infinitesimal amount to our XXXX dollar company.
This person stole our rent, they stole our ability to eat, they stole our identities and Ally is in this case my adversary. We are impoverished by this crime.
|
| 11/15/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
Older American |
|
On Monday XX/XX/2022 my husband and I requested ( via telephone ) an XXXX transfer of funds from our Ally Bank JOINT on-line savings account to our XXXX XXXX XXXX XXXX account. We provided the Ally Bank all information required, as we had a XXXX XXXX representative on the other line helping us. We were told that this would take a few days. By Thursday, XX/XX/XXXX morning, no funds had been transferred. We again called Ally and requested that they wire transfer the funds, as we were now frustrated and willing to pay {$20.00} for a wire transfer. We were told by the Ally representative that a wire transfer must be initiated on line. At approximately XXXX XXXX on Thursday XX/XX/XXXX, we completed the on-line wire request form and I received a confirmation e-mail at XXXX XXXX from Ally Bank XXXX We were told that a representative from Ally would call us to confirm the transfer. We stayed home all Thursday afternoon waiting to receive this call. No call. No wire transfer. Friday was a bank holiday, so Monday morning we called Ally, waiting on hold for almost half an hour. Were were told that the wire transfer department was closed and there was nothing we could do until they opened. The representative, XXXX, would not give a message to the wire transfer department to call us back, as we did not want to wait on hold again. We then tried an on-line chat. Chats with XXXX and XXXX did not resolve this issue. However, XXXX told us that we needed to call back and ask for the Loss Prevention Department. Another phone call back to Ally ( they only have one number, so no direct line to Loss Prevention or Wire Transfer Departments ). XXXX at Ally informed us that Loss Prevention would call us, that we could not initiate the call to them ( XXXX was WRONG ). Ally 's wire information states that wire transfers must be reviewed by them by XXXX XXXX in order to go out that day. At XXXX XXXX I received a call from Ally ( while I was shopping at XXXX ). They asked many questions, mostly about the receiving account at XXXX, information that I had already submitted via their on line wire transfer form. As I did not have that information handy ( at XXXX ), my husband had to call XXXX and have them tell us the information while we held our two phones together on speaker phone ( IN THE MIDDLE OF XXXX WHERE ANYONE COULD HAVE HEARD THIS CONFIDENTIAL INFORMATION!!! ) so the Ally representative could be satisfied. It is now XXXX XXXX EST and the wire transfer has not yet gone. We started this process over a week ago. This is our money. It does not belong to Ally. I think that Ally Bank needs to be fined or punished for keeping a customers money long after they have requested it. In addition, the {$20.00} wire transfer fee should be reimbursed to us.
|
| 07/18/2015 |
Yes |
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
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Ally Bank uses criminal thuggish tactics in an attempt to collect payments because I fell behind in my car payments. Their tactics have caused me and my mother unreasonable harm. For example, last week on Monday XXXX XXXX, 2015, at XXXX XXXX, an agent of Ally Bank, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, repeatedly called my mother 's home. In Particular, one person who called, identified herself as XXXX XXXX, she pretended to be a law enforcement officer by stating that " she was with the investigation unit. '' She also disclosed that she was trying to reach me because they wanted me to turn in the car implying that it was a criminal violation to owe money on a car loan. That is bad, because it appears to be a violation of my consumer protection rights and a UDAAP. It is certainly an unfair practice that puts the bank and its depositors at risk because of possibility of claims and damage to their reputation - especially if XXXX XXXX takes interest.
As I said, that was bad, but it was not as bad as it gets. Later that night or rather in the middle of the night at XXXX XXXX the next morning, another agent of Ally Bank, XXXX XXXX XXXX of XXXX XXXX, actually came to my mother 's house. He pounded on her door and woke her up in the middle of the night!
Imagine this : she looks out the window and sees someone with a flashlight in her side yard and backyard - and then actually pounding on the door in the middle of the night. She opened the door to a man in a uniform with stripes on his pants who identified himself as from the " XXXX Investigative unit! '' saying he was looking for XXXX XXXX. She said " for what? '' he repeated the question and then said he was looking for XXXX 's XXXX XXXX. My mother told him she was calling the local police. She then came back to the front door with her phone in her hand and asked for his name and rank, He handed her a paper and said " You are served!!! '' She was scared to death, he appeared to be armed, but as she said she was calling the police he quickly left. He tore down the street out of town and went back to XXXX, XXXX where we believe that operation is located. My mother was confused and did not call the police. She then looked at the paper he gave her and then she read that It only said " Sorry I missed you. '' I have the paper for you to review. But their tactics made her believe it was a legal process. Again, what government agency allows people to pretend to be law enforcement and knock on peoples ' doors in the middle of the night?
Finally, I tried to catch up on arrears because of this intimidation and then they told me that they would not take the back payments that I had to pay the balance in full plus additional charges for their thugs. My account with Ally is XXXX.
|
| 10/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
The fair credit reporting act 15 USC 1681 section 602 a says there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness impartiality, and I respect for the consumers right to privacy. I have the right to make sure my private information isnt shared which is proven in 15 USC 6801 which states, '' it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentialities of those consumers non-public personal information. ( furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that in general subject to subjection ( c ), any consumer reporting agency may furnish a consumer report on the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) the financial institution and consumer reporting agencies XXXX and XXXX do NOT have my consent to furnish this information and they surely do NOT have my written consent. Any and all consent to XXXX, XXXX, ( furnisher of information to credit agencies ) be verbal, nonverbal, written, implied or otherwise is revoked. 15 USC 6802 ( a ) ( b ) states that a financial institution may not disclose nonpublic personal information to a nonaffiliated third-party unless-the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( furnisher of information to credit agencies ) hes never informed me of my right to exercise my nondisclosure option. In addition, 15 USC 16 81C ( a ) ( b ) except as authorized under ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes with auntie dates to report by more than seven years. These accounts were an adverse items they are reporting again without my permission which is against the law 15 USC 1681 s2 ( A ) ( 1 ) A states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate. 15 US code 1681e states " every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681C of this title in to limit the furnishings of consumer reports to the purposes listed under section 1681b of this title. Also 12 CFR code 1016.7 says '' A consumer may exercise the right to opt out at any time. " I am opting out of your reporting services. ''
|
| 09/02/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I opted to purchase my lease from ally bank in XXXX of XXXX XX/XX/XXXX ally cashed the check submitted by XXXX XXXX XXXXXXXX XXXX who I had sign a lease buy out loan with for XXXX. There was a cosigner on the lease who they stated they couldn't get in contact with. Towards the end of XXXX, XXXX XXXX called me asking for the cosigners contact information who was on the original lease agreement which was completed satisfied at the time of purchase. He stated that if they can not contact the cosignerfrom the lease that they will process without paperwork and if they had any issues, they would contact me. During the second week of XXXX, I received a notarized letter from Ally Bank stating that the lease had been satisfied and they no longer hold any interest for the XXXX XXXX. I've been paying the new lien holders on time and since the end of XXXX. during the end of XXXX, I began to get calls in regards to the XXXX from and a different numberthan ally had called me prior. They stated that they wanted to know what I was doing with the vehicle. They asked if I was interested in purchasing the car or am I planning on returning the XXXX. I proceeded to tell them that I had already purchased the car in XXXX. The person I spoke with seemed confused as to what was talking about. After few more calls pertaining to the same issue an employee who called said they will have upper management look into this matter and that someone would reach out to me. On XX/XX/XXXX my car was repossessed by ally bank. When I called them to see what was going on they stated that they refunded me the money on XX/XX/XXXX which my ally online account did not reflect that statement. I stated that I had a notarized letter from them stating they hold no interest in the vehicle. The voice recording have of the conversation has the person stating that the letterwas sent a mistake and that they will not return the car which was paid for by the new lending institution. The person stated that they will not return the car. I contacted the redemption department to see how I could retrieve me car and they said I had {$0.00} balance which he never saw before. He said he escaladed the case to upper management that would contact me within 24 to 48 hours on XX/XX/XXXX. Monday XX/XX/XXXX came, and I didn't hearback from anyone. I called the redemption department on the XXXX and they stated they left a notation on the account to have management contact me. XXXX also stated that nothing would happen with the car because I was disputing the Repo. I received a call 30 minutes later stating that the car was sold and that there's nothing I could do to get the car back which I purchased on XX/XX/2022, with a new lender. He stated the Car was already sold to an auction house.
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| 09/16/2017 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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Lessee wishes to file complaint against lessor Ally XXXX. XXXX XXXX XXXX, MN XXXX regarding a leased XXXX XXXX XXXX. Lessee had vehicle detailed professionally which included removal of all minor dents and scratches. This process involved an insurance claim. Work was performed by a professional collision shop. Vehicle was turned in at leasing dealership onXX/XX/XXXX and the odometer read XXXX. The allowed extra mileage purchased was XXXX. The dealership confirmed it was in excellent condition and ally offered me to purchase for {$10000.00}. I took photos of the vehicle and turned it in. OnXX/XX/XXXX Ally hired inviso to perform a vehicle inspection. The inspection company took photos of the vehicle. They took a picture of a clean seat and cited it was soiled. A photo of the front of the vehicle exhibits a clean reflective scene of the pavement. They cited the '' front bumper had previous repairwork which was ok '' but claimed hood dents and chips but give no photo evidence. The front has never had collision repairs. They cited " rear bumper scuffed entire ''. Photo shows a flawless finish and no visible damage. " Decklid previous repair ok. The decklid has never been damaged or repaired. Lessee contends the vehicle inspection was done errorniously. OnXX/XX/XXXXAlly sent a letter asking me to sign an odometer statement and billed me for {$200.00} citing on this inspection " the left quarter panel had previous poor repairs and has orange peeling ''. The left quarter panel has never been damaged and the inspection photo does not exhibit any visible damage. I immediately contacted Ally to dispute the inspection and the billed charge. I discussed the lessee rights per the lease to allow for an independent inspection however I was informed by Ally that they sold the vehicle at wholesale auction for {$7700.00} immediately after the inspection. I explained should there be any alleged damage or flaw in the vehicle I would have had the collision repair shop that detailed it to fix it as they guarantee they 're work. I argued with Ally that know reputable body shop is going to leave some type of orange scratch or clearcoat peeling on a vehicle-nor would the insurance company allow for any inferior repair work. It makes no sense and I felt the inspector made an error in judgement or since they photo shows no close up or visible issue that they companies were acting in bad faith. The inspection and subsequent charges are false and frivolous. Ally could not provide proof of any repairs made. Ally has informed me via telephone they stand by the charge. They only charge to me is for the alleged quarter panel however the inspection cites charges for the rear bumper and hood however their own photos show no proof of any type of issue.
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| 11/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I have taken a look at my credit report which has caused some confusion. I used my social security number/card defined under 15 USC 1602 ( l ) to extend credit with Ally Financial to obtain a vehicle. I am a natural person, a federally protected consumer, and the original creditor defined under 15 USC 1602 ( g ). The vehicle which is subject to the transaction was used primarily for personal, family and household purposes. Ally Financial has engaged in extortion and racketeering activity defined under Title 18 Chapter 42. Ally FInancial did not inform me on the cost of credit. I never received written adequate notice that sets for the pertinent facts for this consumer credit transaction which violates 15 USC 1602 ( k ). Congress makes it clear that consumer credit would be strengthened by the informed use of credit. The only decision I was given after the consummation of the transaction was to make payments without penalty which is a violation of 18 USC 880. The decision I made in connection to this transaction was uninformed. I, the consumer, have never been given the opportunity to direct that my nonpublic personal information should not be disclosed to nonaffiliated third parties such as XXXX, XXXX and XXXX pursuant to 15 USC 6802 ( b ) ( 1 ) ( B ). Nor was I given an explanation on how to exercise the nondisclosure option which is a violation of 15 USC 6802 ( b ) ( 1 ) ( C ). Ally Financial and the consumer reporting agencies ' conspiracy against my rights is affecting my ability to operate in commerce. This is a violation of 15 U.S. Code 1. My consumer report does not include a report containing information solely as to transactions or experiences which means late payments are a violation of 15 USC 1681a ( d ) ( 2 ) ( i ). 15 USC 1666 ( a ) ( 2 ) I am aware that all extensions of credit are tied to my social security card and that the United States is obligated to all debts under 18 USC 8. Ally Financial has caused harm by furnishing inaccurate information on my consumer report. I am requesting additional clarification in regards to the billing errors under code 15 USC 1666 ( b ) ( 2 ) documentary evidence under 15 USC 44 includes books of account. According to 15 USC 1602 ( p ) Ally Financial does not have actual authority for such use of my credit card defined under 15 1602 ( l ) and I received no benefit from this unlawful transaction. Without lawful authority, by using means of my identification Ally Financial and the consumer reporting agencies are committing aggravated identity theft and attempting to collect on this account by extortionate means pursuant to 18 USC 894. Verified responses has proven that the consumer reporting agencies arent being impartial when it comes to respecting my right to privacy.
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| 11/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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XX/XX/XXXX, I called Ally to request a deferment due to my wifes mother passing away. I was granted that deferment. I was told I needed to pay {$650.00}. up front and the representative told me to ask family or friends for help. I did that. A friend put {$700.00}. on two prepaid Visas. The very next day I called to pay. The Ally representative refused to accept those visas. I told her I got paid on the XXXX of XXXX. She said that was fine, to just set it up to be withdrawn online per the app. I did exactly that. However 5-6 months after XXXX, Ally has reported me late to the credit bureaus. We had to use all our savings to travel and bury my kids grandmother. As soon as I returned, I immediately contacted ALLY to request a deferment. All of this information is supposedly recorded every time I call. At least, I am told these conversations are recorded. I have spent the last two years sending certified letters, emails and even hired a credit repair company ; XXXX XXXX ( out of XXXXXXXX XXXX ). I recently contacted my state Attorney General and have only received one email back and have been waiting for another response for a month now. I also contacted my XXXX, XXXX XXXX and have yet to hear back from them either.
From XX/XX/XXXX to XX/XX/XXXX, no payments should be reported as late, as I made my {$650.00} dollar payment on XX/XX/XXXX ( the date I said I got paid, since they refused to accept the {$700.00}. I had on two prepaid visas ) This is all agreed on in the recorded audio with Allys representative who are clearly outsourced to XXXX. When I called Ally upon finding out Ive been reported late for months, I was told that my bank never released the funds. I called my bank, XXXX XXXX XXXXk and they were released the day I told them I could pay. So they bluntly lied to me, then played the victim. They have ignored every email I have sent in regards to what they did to me. Except recently they responded when I found out they reported me late again in XX/XX/XXXX. Which I do not understand because I pay on their app through direct payments. I brought it to their attention and they claim they didnt. I have a paper trail of certified letter receipts, all written correspondence with Ally, bank statement, and the two Visas they refused to accept. Its been two years, and my lease is up in XX/XX/XXXX, and I do not qualify for a home loan due to what Ally has done to me. I am a ( 100 % ) XXXX Combat Veteran, my wife is a full time XXXX student, so we live off a fixed income. If this issue does not get resolved, I am at risk of putting my family XXXX. Can you please help me resolve this issue. The conversation between the Ally representative and myself is proof I did what was asked of me.
Thank you, XXXX XXXX XXXX XXXX XXXX
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| 10/25/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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Ally Financial ( aka Ally Invest, aka XXXX XXXX ) failed to perform its fiduciary duty to me and also stole money from my brokerage account. I have been in dispute with Ally Financial trying to get my money back that was stolen from my brokerage account as inactivity fees ; a total of {$200.00} of which I only received {$50.00} refund. Ally Financial still owes me the remaining {$150.00}.
I accuse Ally Financial of the following : 1 ) Stole money from my brokerage account. 2 ) Failed to perform their fiduciary duty to me as my de facto brokerage firm.
1 ) I initially opened my brokerage account with XXXX in XXXX. There was no inactivity fees in the agreement. At the time, I was aware of Trade King ( now Ally Invest / Ally Financial after XXXX acquisition ) in that it charged inactivity fees and had decided not to do business with it. In XXXX, XXXX was acquired by XXXX XXXX ( XXXX ) and it became my de facto brokerage firm. I did not have any agreement with XXXX. I was not able to move my account out of the firm because it was the Great Recession and I would have incurred a big lost. Also during the merger, XXXX and XXXX ' CEOs jointly sent out e-mails to XXXX account holder promising to " keep the same ... products and services that attracted them to XXXX to begin with. '' ( Refer to attach document Doc1 for e-mail printout ). However, XXXX broke that promise by stealing money from my account yearly from XXXX to XXXX as inactivity charges. I have been in dispute with Ally Financial to recover my money.
2 ) I have been contacting Ally Financial to recover my money but the firm was not interested in helping me. It has failed to perform its fiduciary duty to me. In XX/XX/XXXX, I did a web chat with agent XXXX and he agreed to give me a refund of the inactivity fee from 4 years, that would be {$200.00}. However, I found out some time later that only {$50.00}, one year of fee was refunded. I asked for 4 years in my original chat, so I went on web chat again, and was connected with manager XXXX XXXX. He told me that XXXX did not mean what he said and that he only agreed to give me one year 's worth of fee that was {$50.00} instead of the {$200.00} that I asked for. He said that XXXX could have been more clear, but then did not rectify the problem, and instead continue to say that company policy only allowed for a one time refund. XXXX ended the chat with while I was still inquiring about the money. That was not customary business practice. I accused Ally Financial of failure to act in my best interest. The firm and its agents did not honor their words with me. All in all my account was hit with more inactivity charges than commissions for the service.
( Refer to attach document Doc2 and Doc3 for chat transcripts. )
|
| 10/22/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
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Web |
|
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in XXXX this year I attempted to start a new payment plan with Ally financial in regards to my vehicle loan I informed him clearly that I just started an appointment and I was waiting to be paid and I didn't know the estimated time but knew that there may be a long wait process. They agree to except XXXX gor the month of XXXX down and another XXXX to start the new agreement. less than a month later in XXXX they re-put my car by the deceptive practices I had to pay another {$2000.00} to get my vehicle out which would've caught me up for the month of XXXX because that would've been based on plan a out of been completely caught up. so I called and asked him for help and I want up forking out {$2800.00} so now this takes us into by the time I get my check I called him to try to settle up which is XXXX XXXX months after the initial application for unemployment benefits. Never disputing that I owe the money I told him I'm arranging to pay I wanted to know which payment plan on one they had to do their own internal investigation because they couldn't tell me which payment plan I'm on but they gladly locked me out the system so I can not access my financial records and see where my monthly payments were at nor where my current payments were being disbursed. they wanted me just to take their word for and run to XXXX now mind you to pay which is not the normal way to pay so because of all the fraud that's going on of course I'm investigating this myself they come out and repo it a second time and tell me I owe the remainder of the amount which is {$10000.00}. They stated that I didn't send the initial application back from XXXX yeah I never got any paperwork I never got any paperwork from them until they already repeat repeat my car I have a whole bunch of Ally paperwork now flooding through my door. their workers were deceptive and they even charged my mom 's credit card additional in XXXX which means they were calling her and harassing her for the money yet when I call them nobody knows or can answer my questions. I did report them to the Attorney General I contacted the FTC and the XXXX XXXX XXXX XXXX or something and now I'm looking into a lawyer because I'm technically on welfare right now .I signed up for XXXX to try to increase my credit score however due to these days at the practices my vehicle was sold at auction and there's now harassing me I get phone calls every day told me I owe that money because they sold my vehicle and I told him they're gon na wait till I talk to a lawyer. and I'm a XXXX so by this time I can't even get to work and my kids I've been walking them to or from school. He calls me emotional suffering and find a more financial burden because looking for a job and obviously changes how I can work
|
| 06/11/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
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Web |
|
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In late XXXX, I tried logging onto my Ally Bank account to retrieve a financial statement. After trying an old password twice, my account was blocked. I attempted to reset my password through the 2-factor authentication, but the code never came to the mobile phone tied to the account, despite multiple attempts.
Im currently abroad and called Allys customer service number long distance and was on hold for 20+ minutes while being charged XXXX} per minute before I finally spoke to someone who was supposed to resolve the problem. Midway through, the call cutout and my issue was not resolved. Instead of going through the expensive process of calling Ally again to address their own issue of not texting me the code to reset my password, I reached out via direct message to their customer XXXX account, XXXX XXXX, on XX/XX/XXXX explaining the situation. They told me to call again ( which I explained was too expensive for me to do ) or use the chat featurewhich you can only do when youre signed into your account ( reminder, Im locked out of my account ).
On XX/XX/XXXX, XXXX XXXXXXXX on XXXX asked for my name and phone number so someone could get in touch. I supplied that information on XX/XX/XXXX. They acknowledged receipt and told me someone would reach out shortly. On XX/XX/XXXX, I reached back out to XXXX XXXXXXXX to let them know no one had gotten in touch with me. They then asked if I could provide the phone number associated with my account because they could not identify it based on the information I gave them ( this seems like something they should have reached out to me about, instead of me having to follow up for a response ). I provided them with this information on Sunday, XX/XX/XXXX. On Monday, XX/XX/XXXX they again said they would pass this information on to a team member who would reach out soon. Also, on Monday XX/XX/XXXX, I replied and pressed them on when someone would reach out and how, reminding them that theyd told me someone would reach out before and no one did. I also reminded them that I was abroad and time zones were different, so we needed to set up a time and make sure they were calling the right number. I was then told ( still on Monday ) that someone would reach out within 24 hours without further clarification. I asked how the representative would contact me on Tuesday, XX/XX/XXXX and no one responded. On Wednesday, XX/XX/XXXX I reached back out via direct message and a public tweet since no one ever got in touch with me and received no response from XXXX XXXX. Today, it is XX/XX/XXXX and I have sent multiple private DMs and public tweets to the account with no response. I am still locked out of my account and have reached out via multiple channels to Ally to resolve my issue, to no avail.
|
| 03/14/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
Older American |
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In XXXX I had setup an auto draft from my checking account, the auto draft was setup from an account where I've always used to make payments from. Ally never requested the money from my account and took weeks before I knew there was an issue and only knew after checking online myself to make a payment. At this point Ally 's system did not allow me to make any payments and I spoke to a rep about assistance that they offer. I advised the agent that I did not want to go through a lengthy modification but will be open to a deferment or forbearance as long as a back and forth paper work wasn't required. I offered to make payment at that time but they refused to take it saying I will need to pay 2 - 3 months worth cause they're system wont take anything less. I left it to review myself and investigate why the funds from my account were not taken as scheduled. I called again and spoke to someone shortly afterwards when a letter was received saying that my mortgage was under review for modification and that they had received my documents. This puzzled me cause I did not submit any applications but visited a site they gave me to look into options, I explained this to the rep and she recommended I stay with the modification as it was in review. I again asked if I could at least make 2 months worth of payments to avoid going any more behind, the rep said she would be able to take the payments but the assistance review will be ongoing. I was ok with that as long as they were taking my payments, this was contrary to what they told me a few weeks back cause at that point they did not want to take any payments cause it was under review by underwriting. I told the rep that I will only move forward for a deferment or forbearance if no other documents are required. It is not because I don't have or can't attain any of the requested documents but I do not want to go through the hassle of getting these and sending it back and forth. They advised that no documents were needed as they had everything they need to review so I left it alone since they at least took 2 months worth of payments, This week I received another email from Ally requesting documentation, called and spoke to a rep who did not want to transfer me to a supervisor even after repeatedly asking to do so. She like her other colleagues said the system won't let me make payments one it gets to a certain point which I advised that I would be setting up payment for 2 months worth to come out in XXXX, The rep was very unhelpful at which point I decided to end the call and file a complaint. I'm seeing a pattern that it depends on who you talk to at ally that you will eventually get the right information and the right help. This last call made on XX/XX/23 was not one of them.
|
| 12/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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I am writing to express my concern and dissatisfaction with how XXXX, XXXX, and XXXX as consumer reporting agencies, have handled my private information. As a federally protected consumer, I believe that my rights under the Fair Credit Reporting Act ( 15 USC 1681 ) and the Right to Financial Privacy Act ( 15 USC 6801 ) have been infringed upon.
Under 15 USC 1681 section 602 ( a ), it is mandated that consumer reporting agencies conduct their responsibilities with fairness, impartiality, and a profound respect for the consumer 's right to privacy. Additionally, 15 USC 6801 establishes the explicit policy that financial institutions, including furnishers of information to credit agencies, have an ongoing obligation to uphold customer privacy. The companies listed in my FTC report have violated there terms and conditions under the privacy act of 1974.
I would like to bring to your attention that, according to 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies are only permitted to furnish a consumer report in accordance with the written instructions of the concerned consumer. Regrettably, I have not provided written consent for the disclosure of my information to XXXX, XXXX, XXXX, or the furnisher of information to credit agencies.
Furthermore, I am exercising my right to opt-out of the reporting services, as outlined in 12 CFR 1016.7, which states that a consumer may exercise this right at any time. Despite this, I have not been informed of my ability to exercise the nondisclosure option, as required by 15 USC 6802 ( b ) ( c ).
It has come to my attention after reviewing my most recent consumer file that XXXX, XXXX, and XXXX are reporting adverse information without my consent, which is a direct violation of 15 USC 1681C ( a ) ( 5 ). This action is also contrary to the provisions of 15 U.S. Code 1681s2 ( a ) ( 1 ), which prohibits the furnishing of inaccurate information to consumer reporting agencies.
Moreover, 15 U.S. Code 1681e emphasizes the necessity for consumer reporting agencies to maintain reasonable procedures to avoid violations of the sections above. In this regard, XXXX, XXXX, and XXXX have failed to uphold such reasonable procedures.
I demand that my privacy rights are respected and upheld in accordance with federal laws and the accounts listed be removed from my consumer file as I did not authorize any of the companies to furnish my information Additionally, I am revoking any and all consent, whether verbal, non-verbal, written, implied, or otherwise, for the disclosure of my information to XXXX, XXXX, XXXX, and all the financial institutions reporting my private information to the credit agencies.
I appreciate your attention and expect a prompt and comprehensive resolution.
|
| 07/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
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Ally Financial will not report on time payments from XX/XX/XXXX to XX/XX/XXXX. Numerous attempts were made to no avail ; they could care less. It's affecting my credit, costing me more interest and could effect my mortgage loan rate when we close on XX/XX/XXXX. Attached you will find where Ally shows a balance that was paid off in the amount of {$24000.00}. This is not accurate. See below for more information The payoff amount was actually $ XXXX..this is because we paid down the balance of {$24000.00} with our monthly payments and a balloon payment of {$1800.00}. Ally has refused to report the payments from XXXX through XXXX and instead are just reporting a balance paid off which is INCORRECT. They are required to report this accurately and correctly. They are not. Upon reviewing my credit report which is attached you will see from XXXX XXXX they have not reported a payment since XXXX of XXXX. It is my belief that they have cost me money with higher interest rates on my refinance in additional to having hurt my credit score by not reporting payments on this installment account. We close in TWO weeks on our construction loan and the difference in a 10 point increase in my score could save me $ XXXX over the course of our mortgage loan. This is not right and they need to be held accountable. I called Ally on XX/XX/XXXX and was told a supervisor would call me back. I received a call from a XXXX on XX/XX/XXXX who stated she would call me back on Tuesday, XX/XX/XXXX. That did not occur. So I called back in and got a hold of XXXX and she was very rude and abrasive. She told me theyre reporting the balance paid off and its correct. She ignored the fact that the credit bureaus, ALL OF THEM, have not reported payments since XXXX and that the balance is wrong. XXXX should be terminated immediately for her behavior and her inability to properly correct the information. I had asked for a supervisor to call me back and that did not occur either. I was told her supervisors name XXXX XXXX. I called back in again today and asked for XXXX supervisor and asked for a callback and nothing. They continue to LIE, and they are making no effort to rectify the issue. The State of Missouri should make them pay for this and we intend to sue Ally Financial if this is not corrected and the payments reported each month correctly and the balance that they showed for six months was incorrect. During this time two credit cards actually lowered my credit limit because of high installment loan balance that was not moving down because Ally was not reporting it. This alone is enough for real damages. This is completely unacceptable and as a consumer I am afforded rights. They are violating multiple state and federal laws. This can not be allowed.
|
| 06/02/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
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I have an auto loan with Ally Financial ( www.Ally.com ) Ally provides online banking to make payments online on Ally website. When making a payment Ally gives two options ( quote ) : > Apply to the outstanding balance of amount financed ; Ill still owe my next regularly scheduled monthly payment ( Trying to make a principal-only payment?
What you may think of as the principal amount on a traditional loan ( like a mortgage loan ) is referred to as the amount financed on your Ally vehicle financing contract. This selection is Allys closest option to a principal payment. Assuming you keep making all your scheduled monthly payments, this is the fastest way to pay off your vehicle. ) > Apply to reduce the amount of my next regularly scheduled monthly payment.
Here 's my complaint : [ a ] deceitful payment options [ b ] setting a trap to miss due payments.
[ a ] The first option ( quoted above ) advertises principal only payment, where the entire payment is applied to unpaid balance. ( This is also a default payment choice. See more below in section [ b ] ). When I chose to make a principal only payment option, Ally paid accrued interest charges first, and the remainder was applied to principal.
Here are the particulars : On XX/XX/2020 I made a {$250.00} principal only payment, of which {$46.00} were applied to finance charges. I chose this option specifically to reduce the outstanding balance not to pay a regular payment due. I also made a {$300.00} principal payment in XXXX XXXX same problem, yet I discovered the issue with deceitful payment processing activity at Ally only recently when I decided to check the details of the principal payment made on XX/XX/2020.
I spoke to Ally representatives via email XXXX case # XXXX XXXX, and on the phone. I was advised that they always pay interest first before paying down the principal regardless if the payment was intended as a principal payment only.
[ b ] Secondly, when making a payment online on Ally website, the first option ( see quoted options above ) is chosen by default, leading a customer to make a payment without satisfying the amount due ( or the regular scheduled payment ).
It appears that Ally set up the payment portal purposefully [ a ] to mislead the customers into the belief that the principal only payment is applied fully towards the principal, and [ b ] to trap customers into missing a due payment despite making a payment to generate late payment fees.
Additionally, the payment history does not differentiate between the two payment options, making it impossible to track what payment type was chosen, and how it was applied towards the loan balance. Nowhere on the website it show accrued finance charges and the unpaid balance after each payment.
|
| 09/30/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
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Web |
|
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Ally Auto has violated the FDCPA and the Federal Truth in Lending Act and my Civil Rights.
Ally Inc. committed unconscionable acts of discrimination toward me causing damages as it furnished information to credit bureaus stating I was 30 days late three months before my due date ( s ) matured.
The initial alleged delinquency for XX/XX/XXXX payment was false and repeatedly brought to Ally Inc 's. attention.
I contacted Ally Auto and disputed the information three times and Ally Inc. updated the information on average in a matter of 3-4 days reporting the same inaccurate information as accurate causing an endless cycle of disputes with the credit bureaus and itself also destroying my credit rating in the process.
Ally representatives alleged the debt was based on a rolling balance from a missed payment from XX/XX/XXXX. Later an Ally Inc. customer representative named XXXX changed the alleged delinquency to XX/XX/XXXX after I provided proof of XX/XX/XXXX payment.
I have asked Ally Inc. for a proof copy of the notification of debt it claimed I owed for XX/XX/XXXX. Ally Inc. has repeatedly failed to provide any documentation of proof of debt which is required under the FDCPA.
Ally Inc. alleged it waived the late fees/rolling debt and that I was actually delinquent for XX/XX/XXXX. I contend that Ally Inc. not only is liable for reporting inaccurate information with knowledge of errors, but also I have proof Ally Inc. attempted multiple times to collect on the alleged debt while I was in dispute further violating my rights. Subsequently if I incurred a late payment between XX/XX/XXXX and XX/XX/XXXX it was solely due to Ally 's repeated attempt to collect on a debt that credit bureaus have now deemed inaccurate.
Ally Inc charged me hidden fees and attempted to cause actual damages based on a non-contractual billing practice which XXXX called a Hierarchy Payment System. This billing system allows Ally Inc. without the consumers knowledge to attribute extra monies included with monthly payments to the principle and interest as it sees fit. Micro debt can then be allowed to mature and be reported as a MISSED CAR PAYMENT as Ally Auto can not report late fees to the credit-reporting agencies. I believe with a reasonable investigation it will be concluded that Ally is still engaging in unethical billing schemes. The CFPB should be very familiar with the information I am providing as it successfully helped other victims receive a settlement from Ally Inc. in a very similar situation through Allys Auto lease program.
I have reported this information to the Arizona Attorney General Office and they have taken a particular interest in the evidence I submitted and I suspect I am not alone in this complaint.
|
| 02/27/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
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Web |
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I went to XXXX XXXX in XXXX XXXX Florida with a pre approved loan through XXXX XXXX. The dealership insisted i give them my social security number to see if i could get a lower rate through any of their financial providers. XXXX found a couple of banks and gave me my options and proceeded to tell me why a credit union would be a great choice for my financial future and went into more detail about why this credit union would be helpful. She gave me a paper that said congratulations on approval with XXXX XXXX XXXX and i left the facility under the impression that that is who i finances with. She told me to expect my bank information from them within 2 weeks or so. 2 weeks had passed and i had not received any information so i called the dealership back to see what was going on. A new accountant by the name of XXXX told me that XXXX was on medical leave and that my financial institution was Ally financial. I told him that is not what XXXX and i discussed or agreed to and he told me that XXXX XXXX XXXX declined me so they had to pick another institution to put me in. I told him they cant change the financial institution without my consent and he said that they could. After further conversation he said he would get XXXX, their general sales manager to call me to let me know my options.
XXXX sent me an email apologizing for XXXX mistake and said she was highly convinced that i would get approved with XXXX XXXX XXXX and thats why she told me i was banking with them. He also said it would be at the same rate and monthly payment. I responded to him that its unacceptable to have a person in the finance department giving confirmations to buyers off of being highly convinced. I also explained to him i had no intention on financing with them since i had already been pre approved with my own personal bank at chase but since they insisted i run my credit with them that is what i did. I also told him i wanted to get switched back to chase bank. Overall i was upset at how they handled the situation and their customer service.
XXXX called me a few days after i sent him my email and told me it would be too late for them to switch over financial institutions and that i would have to apply for a refinancing with my bank and that was my only option. He also said he had a friend that works for XXXX that he would see if they could help me out.
I havent heard back from him, but i did call chase and apply for refinancing in which they said that i was declined since it would not be through the dealership and they were not willing to take on full liability.
Im not sure what the end result will be but I do know that at this moment I am now stuck with Ally financial who Ive read is a terrible financial institution to bank with.
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| 07/23/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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I purchased a XXXX Hyundai Santa Fe from XXXX XXXX XXXX in XXXX XXXX SC on XXXX XXXX 2015. After reviewing the contract and after the contract was already sent to the lien holder ( Ally bank ), I decided that I wanted the gap coverage of {$790.00} and the extended service warranty of {$1500.00} charges returned to me or my lien holder. After fighting with the dealership and being told lie after lie I finally got my money back. The amount of {$1500.00} was sent toAlly bank and applied to my account on XXXX/XXXX/2015. The amount of {$790.00} on XXXX/XXXX/2015 was also eventually sent after a complete run around of who should refund this money. I looked at my payment history with Ally and noticed that the amount of {$1500.00} was posted which made me very happy. Then when checking my history again I noticed that the amount had been reversed and never has been reposted. I called Ally, spoke with XXXX ( XXXX/XXXX/15 ) and was asking why this was done and I would like to know where my money was. They stated the reason it was reversed was due to that it was a service warranty and that they had taken interest on the amount so they needed to correct that mistake. It has been two months to correct that mistake. I called Ally again on XXXX/XXXX/2015 and spoke with XXXX she could not answer my questions so I asked for a supervisor. I then spoke with XXXX who told me that after checking with someone that he could not give me a date when my money would be reposted to my account. He did n't want to add to my frustration and would not give me a reason why it was taking so long or why I could not have a date for expecting my money to be there in my account. I addressed also that the {$790.00} gap coverage warranty was posted and that they had taken out interest on that so I wanted that reversed also and the interest taken off. Today is XX/XX/XXXX and in 3 days as you can see from my attachments that has been taken care of - even though they reposted as if they did it on XXXX/XXXX/15 when it was n't done until the last XXXX days. As you can see the amount of {$1500.00} has not reposted to my account. I do not know why you have to fight so hard for your money but if I owed them they would want their money now. I have my car payments in a timely manner, never late. I would just like the same respect and I wish there was someway I could get back all the time and frustration that I have spent on this commitment. Fighting with the dealership and now this bank. I have put in many hours talking to people, arguing and being lied to. I just want my money posted to my account and treated like they would want to be treated. They want me to pay them money toward the loan and I want them to post what is owed back to the loan. Thank you!
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| 09/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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Dear Consumer Financial Protection Bureau, CFPB ( COMPLAINTS : XXXX, FILED XX/XX/XXXX, XXXX-THURSDAY, AND XXXX, FILED XX/XX/XXXX, XXXX-MONDAY ) I AM PROVIDING THE REQUESTED ALLY BANK STATEMENT VERIFYING THE ALLY CHECKING ACCOUNT WHERE THE XX/XX/XXXX ( FRIDAY ) CONFIRMED BILL PAYMENT WAS DRAWN FROM WAS NOT " FROZEN ''. The active activity on the account during the months of XXXX XXXX-XXXX XXXX confirm the account was not frozen. More important, ally bank does not have any judgments NOR writs of execution, WOES, permitting levying or " freezing '' any of MY ALLY ACCOUNTS ( ALLY BANK ACCOUNT CLOSED XX/XX/XXXX-thursday, Ally checking account XXXX ). This new CFPB COMPLAINT IS TO PROVIDE THE REQUESTED INFORMATION TO ALLY BANK AND INCLUDE WRITS OF EXECUTION FOR THEM TO ACT UPON.
IN ADDITION, THIS LETTER IS TO DEMAND CORRECTION OF CREDIT REPORT AND DEMANDING IMMEDIATE CESSATION OF THEFT AND FRAUD ON ALLY AUTO FINANCE ACCOUNT FOR ( MY XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX.
I DO NOT OWE you, ally bank, {$270.00}, I HAVE MADE 14 TIMELY PAYMENTS ( OF 48 TOTAL PAYMENTS ) STARTING XX/XX/XXXX, XXXX-SATURDAY, TOTALLING {$11000.00}, AND THAT REQUIRES ACCURATE REPORTING TO ALL 3 CREDIT BUREAUS. XX/XX/XXXX ( FRIDAY ) AND ALL FOLLOWING MONTHS PAYMENT WILL NOT BE PAID UNTIL CORRECTION BY ALLY AUTO FINANCE HAS PROFESSIONALLY BEEN MADE AND MADE PERMANENTLY.
IN ADDITION, ALLY AUTO FINANCE, MISS XXXX, MS. XXXX, AND MS. XXXX ARE NOT TO CONTACT ME. I am in receipt of a letter from MsXXXX XXXX refusing to make the required corrections. A telephone conversation on XX/XX/XXXX-Thursday at XXXX with Miss XXXX requesting ALLY BANK STATEMENTS DOCUMENTING THE ALLY BANK CHECKING ACCOUNT NOT FROZEN IS INCLUDED ( ACTIVE ACTIVITY ON ACCOUNT DURING THE MONTHS OF XX/XX/XXXX-XX/XX/XXXX ).
I have included the payment history, and PAYMENTS HAVE BEEN FAITHFULLY AND TIMELY MADE WITHIN 10 days of the XXXX of each month since THE VERY BEGINNING ( initial purchase date of XX/XX/XXXX-Saturday ).
THE NEGATIVE, ADVERSE, INACCURATE CREDIT REPORTING ( IN ERROR ) OF DELINQUENCIES IS AFFECTING MY CREDIT SCORE AND CREDIT WORTHINESS. EFFECTIVE IMMEDIATELY : REMOVE ALL DELINQUENCIES, LATE PAYMENTS, ETC., FROM ALL 3 CREDIT BUREAUS ( XXXX, XXXX, AND XXXX ) AND XXXX. XXXX IS REPORTING A CREDIT SCORE OF XXXX.
This correspondence is to officially affirm to CEASE AND DESIST with any further ADVERSE INACCURATE CREDIT REPORTING effective immediately in accordance with " Fair Debt Collection Practices Act '' ( in 15 U.S.C. 1692 ). ALLY AUTO FINANCE YOU ARE IN VIOLATION OF 15 UNITED STATES CODE, U.S.C., 1692 AND YOU OWE ME {$1000.00} FOR EVERY MONTH YOU FAIL TO TIMELY MAKE CORRECTIONS Sincerely and Respectfully, XXXX XXXX MD Phone : XXXX Email : XXXX XXXX
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| 08/30/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
Servicemember |
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XX/XX/XXXX. I applied for financial pause in payments due significant other having XXXX XXXX and house flooding and was creating financial backing in the even she needed help. I used my cell phone while working XXXX as a XXXX XXXXXXXX in a rural area and pressed yes to process and finalize the pause in payments for 90 days. XX/XX/XXXX came around and my truck was repossessed with any notificatinon via email of phone calls, voicemails from XXXX numbers were dificult and next to impossible to understand as the call center was from another nation. I called to inquire and was told by two differant agents that XXXX XXXX XXXX cash was to be sent to get my truck out of repossesion. This was done within 6 hours. The following day I called to see if the XXXX XXXX was received and I was told the wrong amount as it was XXXX. I was able to have the truck released however the repossesion which was wrongful was on my credit report and after spending multiple days in XXXX to get an extension on my lease I was told I was not able to do so without reasoning. I than called to find out when I need to have the truck returned to the Dealership. I was than informed XXXX $ outstanding balance and that I payed in 10 minutes. Never received any notification that my extension was approved. I went to 10 dealerships to tade the truck in and all the buyouts were different and fluctuated by XXXX XXXX The dealerships were also given my buyout for whatever reason so XXXX XXXX tried to take advantage of this and when I enquired about a Lease buyout I had not received any information, let alone was able to speak to anyone as I was diconnected by Ally reps or connected to a completely different company. However, XXXX XXXX XXXX was able to get through within 5 minutes and tried to undercut my buyout and I was not given any buy out packet by either Ally or the dealership. In the attempt to not have the truck repossessed I had to go to XXXX XXXX XXXX and trade in the truck and due to the Late payments, repossesion, and hard inquiries that I had not given permission to ALLY my credit score was poor, thus creating financial hardship with a used vehicle that I would be able to afford if my credit report was recitfied by ally and their wrongfull reposession, late payments of 90 days which are due to the same situation I would not be in this predicament. I served our country in the XXXX for 12 years and am a XXXX veteran, and currently a XXXX XXXXXXXX. I wish to have at the very least my credit report corrected and have the opportunity. The entire lease from XXXX I was not able to use the app or login despite calling and inquiring and not able to establish auto payments and was nearly late on every payment despite paying the entire loan in full.
|
| 05/20/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I went in to a spa XXXX SKIN CARE in XXXX Ma. I paid to get XXXX fractional laser. I did not get co XXXX fractional laser what I got was XXXX.
Ive sent in police reports plural and lots of proof and letters as to why I know I should get my money back. Ollo credit card was part of the initial purchase where I used XXXX cards. XXXX of these cards have refunded the money with the initial police report. Ollo is refusing to refund the money. They have the police report and XXXX waiting for the police report filed on XX/XX/XXXX. The merchant sent documents that have been forged to XXXX XXXX and I did file a second police report. Im waiting to get a copy of this.
Ollo im disputing XXXX. XXXX if any knows that I have proved my case time and time again. In XXXX of the letters they recently sent me they wrote go to whoever I need to resolve this thats exactly what Im doing now.
Ollo was part of the first purchase. I know I proved my case because the other XXXX cards sent me letters stating the dispute ended in my favor. So if it ended in my favor for the same purchase with XXXX other credit cards how is ollo credit refusing to refund the XXXX.
The first purchase was made on XX/XX/XXXX.
There was a second purchase made on XX/XX/XXXX and with XXXX cards XXXX bank and XXXX XXXX.
XXXX XXXX is the card that provided me with the documents showing the merchant has forged documents and I did go to the XXXX Ma police a second time.
I am requesting that this report include all XXXX credit cards companies but specifically ollo because its just blatant that they are breaking the law.
I will provide the first police report as I have copies of it. I spent XXXX in total and it doesnt seem that these banks are attempting to help me. They accepted forged documents to deny my dispute. Its very clear to anyone with eyes this document was forged.
XXXX XX/XX/XXXX was forged. I did not sign this paperwork. The merchant is sending in paperwork that has nothing ti do with the purchase in the credit cards.
I paid for XXXX fractional laser and I received XXXX.
This is wrong. I work very hard for everything I have and worked hard hoping to get XXXX Fractional laser and got Fraxel. Ive proved my case and this is causing me to become sick. Ive had enough. Ive gone to police and reported it Ive written multiple letters and even supplied police reports.
XXXX should have already refunded me my money. I can see that XXXX and XXXX were presented documents that were forged.
XXXX told me go to whoever I have to in a letter they sent to me and I did. I also am going to the FBI because I believe that XXXX is breaking the law. They know themselves that I have proved my case they just dont want to refund the money as its XXXX.
|
| 03/14/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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|
Web |
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In XXXX of 2022 I mailed correspondence to ALLY FINANCIAL 's registered agent XXXX XXXX XXXX certified mail with return receipt giving them 30 days to provide specific information regarding the alleged " loan '' they claim that I owe. They received the letter on XX/XX/2022. I also made a complaint to XXXX, Michigan Attorney General, the Federal Reserve, and a CFPB complaint. In the midst of this, ALLY was continuing to attempt to collect payment until I called ALLY and made them aware of the violation, which at this time ALLY was in default of the notice that was mailed. I received a letter dated XX/XX/2022 AFTER the phone call making ALLY aware of their violation. In this letter from ALLY XXXX ALLY XXXX, XXXX from XXXX XXXXr XXXX mailed correspondence that did not satisfy the requirements of the conditional acceptance. In my letter to ALLY I stated that : No negative reporting shall be furnished, there is to be no third party communication, I demanded a validation of the alleged obligation i.e. Ledgers public and private, Verification of claim- a signed invoice, and a copy of the contact between ALLY and MYSELF, and if the specific information requested can not be provided I will consider the debt discharged. I have not received the information requested. An amended opportunity to cure within 15 days has been sent on XX/XX/2022 certified mail with return receipt to again allow ALLY the chance to send what I have requested. If they can not produce what is asked ALLY and myself are to consider the debt discharged and release the lean and security interest from my vehicle and grant me my title, and reimburse the amount of {$4500.00} that has already been paid to ALLY by check to the return address on the certified letter. This is to avoid any legal action that can be taken.
Additionally, prior to the conditional acceptance, I sent an indorced remittance coupon for ALLY to credit the account. There is no law stating that remittance is not a form of payment, on the contrary, this is the correct way to pay an obligation due to XXXX XXXX. I have followed the Bill of Exchange Act as how to indorce a remittance coupon and according to UCC 3-603 if tender of payment is not accepted the amount tendered to pay is to be discharged. ALLY refused the payment, and did not send the indorced coupon back which is now considered theft if my account has not been credited for the amount remitted. ALLY has instead negatively affected my account and credit report by marking it late and imposing late fees, they have also restricted my account and forcing payment in a specific way which by law should not be done. ALLY has a fiduciary responsibility to myself as the beneficiary to act in my best interest which they have not.
|
| 05/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
Servicemember |
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XX/XX/2020- My vehicle loan was paid the remaining XXXX XXXX balance. I was informed it could take 7-10 business days to reflect as paid and closed on my credit report. I understood.
XX/XX/2020-My phone app reflected the payment on my account, however, still was not showing as paid on my credit. Spoke with Ally on their webchat and was advised it would day 3-5 business days as they were slightly behind due to COVID-19. I understood.
XX/XX/2020-Still no change to my credit report, contacted Ally via phone and was advised they would send an email to expedite my account being reported. I understood.
XX/XX/2020-Still no change to my credit report. contacted Ally and stressed the importance of getting this rectified as I am trying to get a house and this account is causing some issues. I was advised it would take another 3-5 business days for them to expedite it ( again ) and she would send me a letter by mail stating it was paid in full so I could show the housing company as we waited for it to go through to credit.
XX/XX/2020-Still no change to my credit report, never received the letter of paid in full status.
XX/XX/2020-Housing company could not hold off on my application any longer and ran my credit.
XX/XX/2020-Filed an online dispute with XXXX in hopes that it would prompt Ally to update my account with accurate information. ( Dispute still pending as ofXX/XX/20 ) XX/XX/2020-Housing company denied my application because my debt to income ration was not accurate because Ally account is still showing as open and outstanding.
XX/XX/2020-I checked my mailbox again for the letter, it was not there. Contacted Ally and asked for a supervisor. I was advised there was nothing they could do and was given another 7-10 business day response. It has been almost 3 months since this has been paid and now this is severely impacting my life by them not accurately reporting my account. I was told by the supervisor that they have not reported many accounts so I may not be the only person being impacted by this.
I am currently XXXXXXXX XXXX XXXX and I NEED this house before they arrive. My apartment is not large enough and I can not do anything because Ally is stonewalling me with timelines that, in my opinion, are wrong. It has been well over the 7-10 business day timeline they gave me since the beginning. Now I will have to have another hard inquiry on my credit when I have to reapply for a house all over again once Ally does the right thing.
When I attempt to log into my account to obtain the proof of payment, I get an error message. " You can't view the details for your closed vehicles accounts anymore. '' So they've marked it off in their system but refuse to report it to the credit bureaus.
|
| 01/10/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
This is in relation to Complaint # XXXX. REFER TO ALL INACCURACIES IN ATTACHMENTS ( Date of last activity, date of report, date opened, closed date ; simply one inaccuracy is grounds for violations ) and includes the following:15 USC 1681 - ACCURACY AND FAIRNESS - There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect to a consumers right to privacy. 15 USC 1681b - PERMISSIBLE PURPOSES - XXXX did not obtain my permission to provide any adverse information on my consumer reports, through any of the platforms they intended to, including but not limited to XXXX, XXXX, or XXXX. I never intended to give express permission for them to do so, and if there were any permissions I unintentionally authorized pertaining to adding any information on my credit report that damages my reputation, past, present, or future, I unequivocally revoke and deny any such actions or practices. In Re P.L. 90-321 ( 82 Stat. 146 ) backs this code. 15 USC 1681s-2 ( A ) ( 1 ) - REASONABLE CAUSE TO BELIEVE INFO IS INACCURATE - states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Through the preceding complaints provided and the evidence shown, ALLY is under responsibility to ensure accuracy to their claims. Whoever is reporting this on their reporting side must consider the fullness of the status as provided. Reference XXXX of Executive Customer Relations XXXX ext XXXX. PRIVACY ACT OF 1974 ( 5 USC 552a ) Conditions of Disclosure - No agency shall disclose any record which is in a system of records except pursuant to a written request or with a prior written consent of the individual to whom the record pertains unless disclosure of the record would be in accordance with 31 USC 3711 ( e ) UNLESS the disclosures are to collect a claim of Government by way of Internal Revenue Code, or a head of agency has established procedures to get satisfactory assurances from each CRA that the agency is COMPLYING WITH ALL LAWS OF THE US they are in violation of the Privacy Act of 1974.
Because ALLY and myself are currently in disputes over the following commercial relationship, they have XXXX right to report any adverse claims which are yet unsubstantiated and are therefore defamatory and damaging and without consent. Their claims under negligence and denial of their own responsibilities to provide full disclosure as shown through recent complaints are violations of " Permissible purposes '' 15 USC 1681a " Regulation P '' 12 CFR 1016.1 and Privacy Act 5 USC 552a and therefore are willfully noncompliant 15 USC 1681n.
|
| 11/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX and XXXX are neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, ALLY FINANCIAL XXXX Open Date XX/XX/2019 balance : {$270.00}
|
| 11/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Got a truck loan from ally financial month later was laid off. Made payment on truck till XX/XX/2023 I was 29 days late I called up ally financial to see if I could get an extension but I wasnt qualified yet. So I ask the representative if I pay the payment today will it be marked paid and not hit my credit report 30 days late she said yes by XXXX XXXX on sat XX/XX/XXXX if u pay by XXXX XXXX you will be marked currant not 30 days late. I paid the payment XX/XX/XXXX at XXXXXXXX XXXX I then asked her again will this be good to go wont hurt my credit she said your all set. I made payment w her on the phone I guess they use third party people for this they did not tell me it wasnt gon na be marked that day.. the ally app that I use to pay my payments regularly was not in working order that day it said down for maintenance. So I couldnt pay on line I had to call and use check over the phone. I had asked this lady atleast 6 times this wont hurt my credit she replied no your all set. The next day XX/XX/XXXX I got an alert on credit report that I was 30 days late on my truck payment. Now that made my credit score drop XXXX points I am buying a house at the end of XXXX but Im not gon na be able to do this now due to them reporting me 30 days late. I called many times to get info on this i did get a XXXX XXXX and she had her supervisor look at this and she even said it shouldnt of hit my credit report it was paid on the XXXX th day. The file has notes that it was paid in time. That supervisor XXXX XXXX I been trying to get in touch w her no results they did record the conversation so that should be accessible I was told it wouldnt hit my credit and it did now Im having many Repercussions for this action they did.. I did get a call from a XXXX XXXX opt XXXX she said she would be looking into this but said if she cant find any reason to take it off report than it stays. Now the other supervisor agreed it should not have hit my credit report the lady who took my payment told me I was good to go and also the website app for payment was down for maintenance XXXX said had I used the app that it would have posted that day how can I use the app if it was down for maintenance that day but also told from two different representatives there on on Friday XX/XX/2023 and XX/XX/2023 that if payment is received by XXXX XXXX Saturday XX/XX/2023 then I would be good. I want this 30 day late removed from my credit report immediately they can do a good will Deletion to remove this and. Need a deletion letter for my mortgage loan. I think this was unfair to me being told that I was good from two people and then from a supervisor that it shouldnt be on my credit report. Please help me thank you..ally Financial is the company
|
| 12/19/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
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On XX/XX/XXXX two month ago i bought a car XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX phone # XXXX XXXX XXXX the car was advertise for XXXX i confirm the price over the phone before i go there. when i went the price was XXXX i deal with it because i need a car right away. That is false advertisement Then they say the car come with more service but they never discuss any price with me. they give me so much papers to sign very quick it was already XXXX XXXX because XXXX make me wait a very long time before they rush me to sign a bunch of papers. when i check the paper contract 2 days later i notice extras charges for key replacement XXXX maintenance just oil change only up to XXXX XXXX miles XXXX gap insurance security XXXX plus tax on all services XXXX plus the interest rate in the total amount i ask to cancel all those Services. This is the message Cancellation Confirmation from my Email that XXXX agree to refund me Your refund will total as follows : Maintenance {$1100.00} Gap {$1400.00} Key {$400.00} -- -- -- -- -- - {$2900.00} + {$95.00} ( tax ) -- -- -- -- -- - < $ XXXX ( total ) Your total interest over the loan was : {$5300.00} once the refund amount posts : {$4200.00} -- -- -- -- -- - < $ XXXX ( Obviously will vary if you pay off faster ) XXXX say the XXXX plus interest will be refund between 6 to 8 weeks .During the two month i receive many email advertisement to buy a new car I contact the loan financial two month later i was told they never receive my cancellation paper that i signed in the dealer 2 days ago on the XX/XX/XXXX i call all day everytime the assistant transfer the call to financial department no one pick up the phone or call back. I call XXXX main line many time He never pick up and he never call back. I left many message for general manager sale manager finance manger XXXX XXXX different manager none of them pick up the phone none of them returned the call. The assistant that pick up the phone told me many time they are too busy to talk to me. I don't go there because the last time I went to sign the paper they make me wait a long time and when XXXX finally come he was Rude and unprofessional They even charge me pre delivery charge XXXX i pick the car in the dealer and it's a used car that is my first time buying a car by myself as I told them. i research about that charge it s for new car from manufacture the dealer need to refund the total amount for the extra service XXXX plus the interest they add in my loan without discussing any price with me. Just has the agree to cancel the service and refund the price And for wasting so, much time they need to refund another {$300.00} Also refund the XXXX delivery charge And Stop doing false advertisement For their cars
|
| 10/19/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
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Ally Bank approved the financing of my auto loan from the XXXX XXXX XXXXXXXX XXXX in XXXX XXXX XXXX, Texas after the promissory note was signed at the dealership for full faith credit payment of said goods purchased.
Under the FDIC Hold in due process 6000 Rule 433.2 ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
16 CFR Part 433 Staff Guidelines on Trade Regulation Rule Concerning Preservation of Consumers Claims and Defenses ( Holder in Due Course Rule ) Rule Summary The Preservation of Consumers Claims and Defenses [ Holder in Due Course Rule ], formally known as the " Trade Regulation Rule Concerning Preservation of Consumers ' Claims and Defenses, '' protects consumers when merchants sell a consumer 's credit contracts to other lenders. Specifically, it preserves consumers ' right to assert the same legal claims and defenses against anyone who purchases the credit contract, as they would have against the seller who originally provided the credit. ( I was not provided full disclosure, and my credit was not credited to my account. ) First, the seller may execute a credit contract with a buyer which contains a promissory note. In the event that the promissory note is assigned to a credit company, the credit company takes it free of any claim or defense which the buyer would have against the seller. This is true unless the buyer can prove that the credit company is acting in bad faith or with notice of actual seller misconduct. Second, if a local statute prohibits the use of such promissory notices in credit sale transactions, the seller may incorporate a written provision called a " waiver of defenses '' in the text of an installment sales agreement. A waiver of defenses is the consumer 's written agreement that his installment purchase contract may be treated like a promissory note in the event that it is sold or assigned to a credit company. ( I was not provided full disclosure, and my credit was not credited to my account. ) Ally placed a lien for payments on this loan when the dealership was paid in full faith per the consumer credit contract and the signed promissory note. My attached Certified XXXX Search 11 shows no lien was ever placed on the goods in question.
I'm not able to access my online statements or contract, I did send Ally Bank a request for a copy of my contract or statements.
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| 04/26/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
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- Closing an account
- Can't close your account
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Web |
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I am hoping you may be able to assist me with filing a formal complaint against Ally Bank on their unfair and bad faith processing in the closing my CD account.
On XX/XX/XXXX I made a request for an early withdraw on a XXXX, $ XXXX CD ( knowing there would be a penalty ), as I was using the funds to close on a new home. I was told that it would take 3-5 business days. Over the course of the next 9 business days, I made numerous calls to supervisors and spoke with associates via their online chat. Ally Bank continued to provide inconsistent, inaccurate, and false information regarding the status of my account. As a result, we were not able to close on our house. ( Please note that I closed a CD with XXXXXXXX XXXX for the same amount on XX/XX/XXXX, and XXXX delivered the funds within 3 business days. ) My money was released on XX/XX/XXXX after numerous conversations and being transparent with Ally that we were filing formal complaints against them for the unnecessary delays.
On XX/XX/XXXX, I received an email from Ally regarding the complaint I escalated to their management. They responded that my original request took longer because they had to process a fraud prevention review. This was NEVER explained or communicated to us during any of our conversations. We had 3 other CDs of the same amount ( requested on XX/XX/XXXX ) from other banks who had no problem releasing and wiring the funds to my XXXX XXXX account within 2 business days.
I feel that Ally consistently lied about the status of my request and held onto the money far longer than the usual ACH regulatory guidelines of 2-3 business days. None of Allys online information regarding ACH transfers speaks to any fraud prevention review. I had to argue with a supervisor to request their ACH policy, which I still have not received, nor do I trust that they will send it.
Up until the release of the funds on XX/XX/XXXX, I was truly concerned that they, in fact, did not have my money and we were dealing with a serious banking issue and potential loss.
We almost had to forfeit our home purchase and lose our deposit because of this situation. We are closing on our home almost a week later and have incurred additional expenses not only from added fees from closing, but also because we had to release 2 additional CDs, which were used to cover the costs of closing since we did not know when Ally was going to give us our money back. As a result of XXXX incompetence, this cost us over {$8800.00} in lost interest on those 2 CDs.
While this has been an extremely upsetting and stressful course of events, I am also concerned that this is happening to others who may not know that they have agencies who may be able to advocate for them.
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| 01/28/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
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I financed a new XXXX XXXX XXXX through Ally in XX/XX/XXXX Payments did not begin until XX/XX/XXXX. I have included my personal bank account statement history to show all of the payments made to Ally. I have also included my online account through Ally showing the payments and dates the payments from my bank went through to Ally. Finally, I have also included the accounting statement from XXXX in the XXXX XXXX for Ally. It is quite apparent my payments have not been applied correctly and according to the Federal Accounting Standards.
I have been consistently ahead on my payments, month after month, since XX/XX/XXXX. I had one late payment in XX/XX/XXXX but was still paid ahead. One can see how much I have paid ahead on the accounting summary in the Pmt Due ( payment due ) column. The problem in the accounting on my account occurs in XX/XX/XXXX. My Pmt Due was {$15.00} while the monthly scheduled payment was {$470.00}. This means by this time, paying over every month had put me ahead {$450.00} ( {$470.00} - {$15.00} ). I paid {$500.00} on XX/XX/XXXX, putting me ahead {$480.00} ( {$450.00} + ( {$500.00} - XXXX ) ) for the XX/XX/XXXX payment. Instead of making my payment due for XX/XX/XXXX {$0.00} and applying my {$500.00} payment made in XX/XX/XXXX, Ally added the {$15.00} I owed in XX/XX/XXXX to the XX/XX/XXXX payment making my payment due {$480.00} by XX/XX/XXXX. My {$480.00} disappeared. I lost my car to flooding during Hurricane Florence on XX/XX/XXXX. When I logged on to my Ally account to make sure my XX/XX/XXXX payment was covered, my account showed {$0.00} payment due. I knew I was ahead over a full month 's payment so I cancelled my online automatic payment and verified through my online account. I tried to log on to my account the end of XX/XX/XXXX to make sure my insurance payments were going through appropriately, but my account was closed. To this day, Ally insists I still owe them money. The last notice I received of payment due was XX/XX/XXXX for {$87.00}. Ally has been taking monthly scheduled payments out of my insurance settlement to continuously apply funds to finance charges even though my insurance company ( XXXX ) sent payment on XX/XX/XXXX ( I have attached the payment confirmation ). Ally owns my GAP insurance company, and the accounting statement somehow shows GAP was paid the day after my total-loss claim and over a month before my insurance settlement was paid. I have tried to communicate with XXXX who provided me the accounting document. He interrupts me, tries to give me bogus reasons for my account being wrong, and has hung up on me after me asking him to not interrupt me so I could explain my problem. I would really appreciate help with this situation.
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| 01/09/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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IN REGARDS TO : ALLY FINANCIAL XXXX XXXX XXXX XXXX MN XXXX Investigation of an inaccurate item The account your company is reporting to the credit bureau is troubling. Because of this, Im requesting information about your procedures put in place to verify this charge-off account. I would like to see a detailed repossession deficiency transaction sale on this account. In addition, please show me the date that you claim that this account was charged - off.
Im tracking all documents.
I WILL BE SENDING ALL LETTERS TO MY ATTORNEY FOR REVIEW TO SEE IF ANY FURTHER VIOLATIONS HAVE OCCURED.
I KNOW YOUR COMPANY VERIFIED THE ABOVE ACCOUNT AS ACCURATE. SEND ME ALL OF THE INFORMATION YOU USED TO VERIFY THE ABOVE ACCOUNT SO MY ATTORNEY AND I CAN REVIEW IT FOR ANY VIOLATIONS.
PLEASE SEND ASAP, AS 15 DAYS SHOULD BE ENOUGH TIME.
I AND MY ATTORNEY AWAIT YOUR RESPONSE.
THE ITEM IS NOT REPORTING 100 % ACCURATELY THE TERMS HAVE BEEN CHANGED FROM NO TERMS TO 72M TERMS. THE MONTH 'S RECEIVED HAVE BEEN ALTERED FROM 1 MONTH TO 2 MONTH 'S RECEIVED. THE BALANCE AMOUNT OF {$9600.00} AMOUNT PAST DUE {$9600.00} AND CHARGE-OFF AMOUNT {$9600.00}. THE NEW BALANCE AMOUNT IS {$9600.00} AND THE NEW PAST DUE IS HAS BEEN CHANGED TO {$9600.00} AND THE NEW CHARGE-OFF BALANCE WAS ALTERED TO $ XXXXAS WELL. THE ACTUAL PAYMENT AMOUNT WENT {$0.00} AND THE SCHEDULED PAYMENT AMOUNT WENT FROM {$0.00}. THE ACTUAL PAYMENT AMOUNT IS MISSING AS WELL AS THE SCHEDULED PAYMENT AMOUNT IS MISSING WHICH ONCE UPON TIME WAS {$0.00}. THE ACCOUNT HISTORY WITH STATUS CODES ARE INCORRECTLY REPORTING XX/XX/XXXX 30 DAY LATE, XX/XX/XXXX 60 DAY LATE, XX/XX/XXXX 60 DAY LATE, XX/XX/XXXX 90 DAYS LATE. AS THIS INFORMATION HAS BEEN ALTERED REAGED XX/XX/XXXX 30 DAY LATE, XX/XX/XXXX 60 DAY LATE, XX/XX/XXXX 60 DAY LATE, XX/XX/XXXX 90 DAY LATE, XX/XX/XXXX CHARGE-OFF STATUS. THIS BY FAR INVESTIGATION AND REVIEW WITH MY ATTORNEY HAS TRULY DISTURBED ME. THE HISTORICAL ACCOUNT INFORMATION XXXX HAS REPORTING EVEN IS FRAUDULENTLY DECEIVING POTENTIAL LENDERS.
Why did you do this? Do you know that you have just violated the FCRA, which carries a fine of {$1000.00} for each violation? Im sure your company wont be happy that your it has now opened themselves up to liability for such a small debt. Now, I will give you opportunity to fix this and make it all go away if you do the following : 1. Remove this illegal reporting from my credit report within 15 days from the moment you receive this complaint.
If you choose to ignore my request, and keep the negative information on my report, I will continue to do the following : 1. File a complaint with the FTC.
2. File a complaint with the attorney generals office.
3. File a complaint with the XXXX XXXX XXXX.
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| 08/31/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I obtained my annual credit report XX/XX/XXXX. Upon reviewing I noticed I have 30+ inquiries that are affecting my score. I have been car shopping for the past few years but never would have thought this information would have been shared with whomever they wanted ... ... ... I will list these below. I first called XXXX today XX/XX/XXXX who gave me the protocol to request to have these inquiries removed. I then attempted to call the next group of creditors that had access some how to my report, XXXX-store cards?? I called and spoke with a rep who failed to tell me I was speaking with the fraud department. After speaking with her I explained why I was calling. All I requested per XXXX was an inquiry deletion letter. She proceeded to repeat to me all she could do is file an investigation for identity theft, that is the only way for these inquiries to be removed. She stated I would need to contact the credit bureau for further information as that is all that they could do. I then asked her if she could give me a date as to how long this would affect me and all she kept repeating was sorry we do not have a time frame to again call the credit bureau. I then again called XXXX and this time spoke with a supervisor and he repeated the same protocol. I explained I am aware but what am I suppose to do now ... ... .he stated to obtain a police report for proof they could not give me the inquiry deletion letter and submit this to them to then be reviewed to see what they could do???? I believe this is unnecessary as I am trying to buy a house and I can not even get the first group of inquiries deletion process started as no one neither the company nor the credit bureau can help me!!!!! How can any of which hold my information but not assist me?
PLEASE HELP!
_____________________________________________ Auto Dealers?
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX _____________________________________________ XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX
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| 08/31/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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This is an extension of the complain # XXXX. I opened a vehicle loan with Ally Financial in XXXX. All payments to the loan were made on time and setup for electronic debit and processed out my checking account via ACH. I paid off the loan in the exact same manner and called to let them know I was selling the vehicle and needed to expedite the title. I was immediately told that is not possible-they do n't make exceptions. Then I was told it would be 10 days before my title was sent. I was promised it would be mailed out on XXXX/XXXX/XXXX which was a Saturday so I questioned that being a weekend and they promised that it would be XXXX/XXXX/XXXX. I tried several more times to expedite this process as I felt 10 days was an unreasonable amount of time to hold the title. I communicated my urgency verbally over the phone, written through my online account, and written through Ally XXXX 's chat feature on their website. Still, my title was mailed out REGULAR MAIL ( which is negligent ) on XXXX/XXXX/XXXX. I was very upset with this as I had made it very clear I needed it as quickly as possible and they disregarded me completely. I have called at least 10 times asking for someone to please let me know where it is as it is now XXXX/XXXX/XXXX and I still do not have the title. Originially I was told it would take 3-5 business days to receive. Miraculously when I did n't receive it after 5 business days, their policy changed to 5-7 days! Because I filed a complaint, I was told that my file had been transferred to the EO department which I later found out stands for Executive Office and there is no way for me to contact them. I have to wait for someone to call me. I have been waiting for TWO WEEKS and no one has had the decency to call. I continue to call customer service and they just say my title was mailed out and there is nothing they can do for me. How could this possibly get any more ridiculous? The buyer for my car backed out and purchased another as I was not able to timely receive the title. Ally had declined to take responsibility in any way and refuses to pay for a duplicate title even though they are the ones who mailed it with no tracking and is likely now lost in the " regular mail '' that they trust for such important documents. I can not express my frustrations with this company enough. This has single handedly been the worst customer service I have ever heard of, let alone experienced, in my entire life. I am still waiting on my title, just like I am waiting for the callback that they " promise is of high urgency '' that has taken more than 14 days to get ... .Absolutely ridiculous! It is very clear that customers who actually pay their bills are not a priority to this company.
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| 06/24/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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Two weeks ago I spoke with a collections representative from Ally financial in regards to a partial payment that came back returned. I advised that the payment was denied by my mother 's bank for suspicious activity. I was then told that as long as the partial payment of {$190.00} was paid my XX/XX/19 then the account would be in good standings. I advised that I would make my payment online on that day. Last week, I received another call from the collections department in regards to my loan. I repeated the same information to this representative that I stated to the last. Making them aware that I will keep my promise to pay by Monday XX/XX/2019. Again stating that the payment would be made online. Today I attempted to go online to make my payment only to find that my account information is no longer available and I am unable to make my payment as I had previously promised. I called in and spoke with 5 different representatives. The first two representatives hung up on me because they became frustrated and was unable to answer my questions. The 3rd representative transferred my over the online team which then transferred me back to customer service where I spoke to a 4th representative. Which then attempted to assist me and then the line was disconnected again. I called back and requested for a supervisor. I was then connected to a front line manager named XXXX ID # XXXX. I was told that I do not have access to the online and can't make payment for 6 months due the reverse payment. I attempted to make a payment via a 3rd party vendors which is a payment options that is available to me to make payment with a lower fee, however this option via XXXX and also via XXXX XXXX. Both are considered to be an acceptable payment option for this company. However, I have been blocked from making payment via the 3rd party vendors by Ally financial which they have on their website as payment options that can be done online or over the phone. The only option that I was given was the more expensive option of XXXX. XXXX and XXXX XXXX offer a fee of less than {$5.00} to submit a payment to Ally financial online. XXXX charges {$20.00} processing fee to send funds to Ally Auto. So currently I have not access to view my account details, statements, previous payments, nor do I have access to view my account in order to make the payment and ensure that it's applied to the correct account. I was told my XXXX that my account will be escalated and someone will get back with me in 24 hours. My account will be reported to the credit bureau tomorrow, which will cause a negative score on my credit as Ally Auto will report my account being passed due for 30 days due to this partial payment. This is unacceptable!
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| 06/17/2020 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Banking errors
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Web |
Older American |
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I am a XXXX year old woman but I am not dead. Yet Ally Bank, citing a " public record '', gave " deceased '' and " inability to authenticate '' me as their reason for denying me access to my over {$100000.00} saving account for two months, from XX/XX/XXXX through XX/XX/2020.
It was only after a complaint to the CFPB that Ally broke their silence to confirm that this was why they would not speak or answer correspondence. It was also only then, on XX/XX/XXXX, that they announced I could finally access my funds.
However, this response neither fully nor altogether truthfully addresses the issue : By XX/XX/XXXX Ally had full and incontestable proof that ( 1 ) I was alive and ( 2 ) the rightful claimant to the account.
Why did they make no attempt to correct their monstrous error? Why instead did they wrongfully persist in ignoring me, dishonoring my withdrawal instructions and violating my rights as a depositor for an additional six stressful weeks?
By XX/XX/XXXX they had received -- a copy of my current drivers license -- a copy of my most recent electricity bill -- a copy of the CD that matured XX/XX/XXXX which provided the money that they had permitted me to transfer to my savings account -- I verbally supplied correct answers to all personal and security questions on all occasions -- They had as well my addresses, physical and email ( long established and unchanged ), my telephone number, birthdate, beneficiary name, names of linked financial institutions ( including the one that presented my withdrawal instructions ).
At any time they could, of course, have easily asked me for additional documentation. BUT THEY DID NOT.
Initially they may have had a " public record '' of someone's death but since they haven't disclosed any specifics despite my requests, I have no way of knowing if even that is true. Nonetheless, any such purported record would not, could not, match the facts in their own file about me -- my birthdate, address, even full name ; it could not have been anything other than plainly and irrefutably not mine and certainly not a credible excuse for questioning my existence.
In short, once Ally knew I was not dead as well as that I obviously was the " authenic '' account holder, they no longer had any legitimate reason for continuing to deny me my rights and for failing to perform their legal duty.
Yet that's what they did.
My lost interest ( what I would have earned over and above what the Ally account paid ) amounts to approximately {$270.00}. Ally breached our contract as of XX/XX/XXXX when they were also warned of consequential damages but continued to disregard their duties under the UCC. I hold them as legally liable and I want to be made whole.
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| 11/03/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem making or receiving payments
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Web |
Servicemember |
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Complainant : XXXX XXXX and XXXX XXXX Nature of Complaint : Because of a payment error by Ally Bank, I was charged fees and interest on my XXXX card on at least two occasions.
Amount requested from Ally Bank : {$520.00} - {$320.00} in interest and fees. {$200.00} for the effort and time it has taken with all the emails, chats, and phone calls.
Details : There have been at least two instances of credit card payments arriving late to XXXX. In both cases there were fees and interest. In the second case, the credit card was turned off. My familys practice is to pay in full by the due date. We dont hold debt except mortgages.
Each time a bill arrives ( XXXX or any other ), I enter the amount in full and due date. This has mostly worked without issue for years. The Ally Bill pay site calls the due date the delivery date. This means that the bill must arrive on or before that day. XXXX bills are due on the XXXX or XXXX of each month. I have provided the dates of each payment in 2020 below. Until recently, I didnt know how money transferred from Ally to XXXX. XXXX told me that it was mailed. ( Note : the XXXX payment is now shown in the Ally statement, but XXXX has a record of it. ) In my conversation with XXXX, the nice gentleman told me that the XXXX bill was late by a few days. I explained that I used Ally bill pay and scheduled it correctly. It didnt matter to them. XXXX only cares about when they receive it. It doesnt matter if its lost in the mail, delayed, destroyed or anything ; they still charge a fee and interest when they dont receive a payment on time. They agreed over the phone to waive the fee and that amount has been subtracted from the amount Im requesting.
I started a conversation with Ally about this. In my view, they accepted the responsibility of delivering payments by a certain date. If its late for whatever reason, they should be responsible. As shown in the email chain below, Ally has not accepted accountability.
Allys remedy is in the future schedule payments days before the due date. ( See email below ) I have a couple problems with this. They should be experts in bill pay and make their own adjustments to deliver payments on time. Thats a burden put on me and any other customer that we are not fit to handle. I dont know the way bills are paid ( mail or electronic ). I dont want money out of my account for longer than necessary. If Allys goal is to pay bills for customers using their platform, they should have a quality control system to make sure mail is delivered on time. If that means sending earlier, confirming receipt, or whatever, thats what they should do.
Ive spent significant time on the phone and webchat trying to recover losses to no avail.
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| 01/25/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
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Web |
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I received a certified copy of the TX title by mail from Ally Financial on XX/XX/XXXX. I have had numerous issues trying to transfer title with Ally, and have submitted other complaints with the CFPB. This is a BRAND NEW ISSUE, but related to my previous issues.
I attempted to transfer lienholder at my DMV and am having a very hard time convincing them that I could NOT have filed sooner because of the delinquency and errors committed by Ally in providing me with the title of the car I purchased through a lease buyout on XX/XX/XXXX - XXXX am being assessed hundreds of dollars in penalties now and tons of extra hassle. I did not have a title from Ally within 30 days of the sale, which was XX/XX/XXXX, and is required by law. I received it XX/XX/XXXX after many attempts to get in touch with them and much hassle and headaches. That title had a glaring error : the odometer statement was wrong by XXXX miles ( too high ), even though I had provided all the odometer statements, etc., to Ally in order to transact. I went through a process to get that corrected with Ally, and also suffered consequences with my new lender, XXXX XXXX XXXX XXXX, because I was delayed in recording them as the new lienholder. XXXX XXXX XXXX XXXX hiked up my rate to 14 % from around 3 % because I was delinquent in recording them as the new lienholder on the title, EVEN THOUGH I HAD NO TITLE TO ACTUALLY FILE BECAUSE ALLY STILL WAS CORRECTING IT. I received a corrected title with the correct odometer reading as per the odometer statement on XX/XX/XXXX, after much hassle and stress in dealing with Ally. THIS IS 5 MONTHS AFTER THE DATE OF SALE.
Looking at the affidavit that was signed by Ally Financial, which accompanied the corrected title ( sent XX/XX/XXXX ), it appears that there is one new error on the affidavit. The car YEAR is XXXX in actuality. On the affidavit, it reads " XXXX. '' Furthermore, in the affidavit, the reason that Ally Financial provides for the title reassignment is a misrepresentation of the truth ( please see attached ). The TRUE reason for the corrected title, and should have been cited on the affidavit was for the ODOMETER ( that is an option on the affidavit ). Instead, Ally alleges it was for " Other '' : " during reassignement ( sic ), the agent has made a strikeover on the buyer 's address in error. The address should be read as " XXXX XXXX XXXX '' NO FRAUD INTENDED. '' THIS IS A LIE. There was never any issue with the address. Please see the original title with the address clearly stated and with the WRONG odometer reading, and the certified copy of the title with the CORRECTED odometer reading. THE ADDRESS HAD NO STRIKEOVER AND IS CLEAR, NEVER WAS THIS AN ISSUE. THIS IS A LIE.
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| 11/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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am responding to ally credit cards response dated XX/XX/23. Back in XXXX i did make a couple of purchases from XXXX and use my ally credit card to make the purchase. After that my account was hacked and closed by XXXX which i sent that over showing to you. XXXX had given me credits for the merchandise that i purchased. When i got my statement there were other charges that i did not recoganize and i reached out to XXXX they infestaged closed my account out cause it was hacked. I have called ally severall times to report this and each time time the ignorant people i spoke to keep giving me dispuites insted of fraud. Listen and listen to me good for the last time i did not make the XXXX charges that are currently on this bill those charges are fraud. There were two sets of charges the other were refunded cause i sent the merchandise back. After that my XXXX account was hacked and these other charges are fraud not mine. Im sick of arguing with the ignorant people at ally credit card. What is wrong with you. I am reoprting this to the attorney general general of the state of ohio and the XXXX. I have also spoken with an attorney and will sue you if need be or if you try and report this to my credit buro. Again im telling you these charges are fraud. Remove them from my account i sent documtation from XXXX showing that my account was hacked. This is ridicilous. I had sent the screen shots to show that the charges i made were sent back to XXXX. As proff. The rest of the bill is fraud fix it Im going to sue alley credit for damadging my credit report. Do mot close this out and dismiss me. I gave told alley credit again and again and again i did not make the current charges on the account.i have shown that XXXX closed out my account cause of fraud. I anitally made purchse from XXXX using this card i did return some things and recived credit for that and initally had called in to dispuited those charges than XXXX gavevme credit. Then i saw these other charges and i spoke with XXXX and told them i had not made them and they investaged and closed my account and stated that it had been hacked and that thid card was on file and somone went in and made to my account and made purchases using this card. This is not fair nor right that i am punished for charges i didnt make. Im getting harassing phone calls almost everyday asking for payment. This needs to stop no one at ally knows what they are doing everytime i call the give me the regular dispuite department instead of fraud. I have contaced the attorney General of the state of ohio the XXXX and consumer reports this is ridicilious i demand that these charges bee taken off my account and that a complaint be filed against this company.
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| 09/20/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I opened my Ally.com bank account in XXXX of XXXX. Last month, on Friday XX/XX/XXXX, I e-deposited two checks of a close family friend and his elderly mother in the amount of {$1200.00} and {$730.00}. The checks were to reimburse me for airline tickets, I made for them with XXXX XXXX and XXXX to fly between XXXX XXXX and XXXX XXXX for family functions the year prior, as I put the charges on my credit card. ( In away it was a loving kindness on my part to them, as I laid out the money, and waited for almost a year to be reimbursed ).
Then middle of the night, on XX/XX/XXXX, I got an e-mail " Action Required : Call us to verify some information. '' We restricted your accounts because we detected suspicious activity on XX/XX/XXXX. You may not be able to log in or transfer money out of your accounts.Call our loss prevention line at XXXX for help with your accounts. Were available Monday through Friday from XXXX XXXX XXXX XXXX XXXX and on weekends from XXXX XXXX XXXX XXXX XXXX So I called Ally Bank immediately but was told their Loss Prevention department is closed, and I called again during business hours and the agent talked with an extremely pleasant and friendly tone, asking me a few questions, and she told me that they are going to investigate, and if the checks clear then everything will be okay, and my account will be re-enabled.
On XX/XX/XXXX, I got an e-mail : Ally Bank Alert - {$2000.00} | You have a debit transaction over $ XXXX : XXXX Debit Memo Date : XX/XX/XXXX On XX/XX/XXXX, I got an e-mail : Ally Bank Alert - {$32.00} | You have a debit transaction over {$0.00}. Transaction : XXXX Closeout w/ Interest/Dividend and another e-mail with the subject : Your Ally Bank account is now closed -- I got a check in the e-mail in the amount of {$32.00}, but I called the bank to speak to them, and after verifying the security questions, the representative transferred me to the loss prevention department , who again asked to verify the security questions. And then the representative immediately tells me, I can not speak to you and hangs up on me.
I called again Ally Bank, and I explained to the representative what happened on the previous phone call. He put me on a hold for a few minutes and then transferred me again to Loss Prevention, and then the representative in a tone that sounded angry, and he was reluctant to provide any information, and I wanted to know what happened to the funds with the checks that I deposited. He said we are an FDIC insured bank and we do not keep other people 's money. They were reluctant to provide me with any further information. I have yet to receive anything further in the mail, other than a check in the amount of {$32.00} Thank you
|
| 12/17/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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-I have already two submitted two complaints regarding Ally Financial, but wanted to add that I am not sure who I really spoke to yesterday. A call came to my cell phone number ( XXXX ) on XX/XX/2021 at XXXX XXXX that was labelled " Ally Financial. '' -The person on the line identified himself as XXXX XXXX from Ally Financial. I think he said titling, but am not sure. I knew the name, because that name appears on my title as the " Seller/Agent '' in the " Assignment of Title '' section of the title.
- Once the person identified himself there was a pause. I said " I know who you are. '' - When I look up XXXX XXXX online, I find this person working at XXXX XXXX, which appears to be a loan title administration company, that services many lender clients, not just Ally Financial. This is presumably XXXX XXXX 's XXXX profile, which says he is a Title Release Technician at XXXX XXXX XXXX XXXX : XXXX : XXXX - It strikes me as odd that this technician who signed over the title, and has a job of " Accurately releasing automotive titles whilst meeting quota expectations, '' per the XXXX profile, would be calling me, especially if he doesn't even work for Ally Financial.
-This same person who called also told me that all his Marketing Team would be on the case for me to try and correct the title, and they'd try to sort things out as soon as possible.
- All this was said before " XXXX XXXX '' started asking me impertinent questions about the release of the lien. I said, I wouldn't have the title if the lien were not released. He claimed that he was only trying to figure out the process that Ally Financial used in order to release the title. The title was not released until I hunted it down, on XX/XX/2021. The date of sale is XX/XX/2021. The whole conversation was not pleasant and I knew I was being gaslit, and wanted out. And why would someone who ostensibly worked for Ally Financial in titling would be so confused about how titles and liens work?
- Something doesn't add up. I don't think it was Ally Financial calling me yesterday, and it was XXXX, instead. Why is Ally Financial handing over complaints from CFPB to the wrong company? The person on the phone immediately referenced my complaint with the Consumer Finance Protection Bureau.
-I wanted protection, and I got further aggravated by someone from either Ally Financial or XXXX.
-It 's a simple problem. Fix the odometer reading on the title. Whoever was on the line admitted error and said that they'd use the odometer statement, but then harassed me after promising that. Also, this person asked if I had any receipt or quote of a penalty fee at the Texas DMV. I said, I will have a receipt after they correct the title.
|
| 03/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
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Web |
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To whom it may concern, On XX/XX/XXXX I logged into my XXXX XXXX account when I realized that my credit score significantly decreasing by 11-12 points from Ally Financial where they stated my balance increased. ( See attached screenshots : XXXX Data XX/XX/XXXX XXXX Transunion XXXX XX/XX/XXXX ) At this point I then reached out to Ally Financial at XXXX and spoke to a representative named XXXX XXXX I informed her what was occurring and that I in fact was never late on a payment and there was no cause for them to place this claim with creditors and that this issue needs to be resolved immediately. At which point she responded with dont worry I have forwarded this to the appropriate department and this issue should be resolved by next month ( XX/XX/XXXX ). On XX/XX/XXXX Ally Financial created a letter and direct message on my mobile application ( see attached Ally XX/XX/XXXX XXXX & XX/XX/XXXX Ally Correspondence ).
I then contacted Ally Financial once again on XX/XX/XXXX at XXXX and spoke to a representative named XXXX XXXX XXXX looked into my account and state I apologize XXXX provided you the incorrect information it actually takes about 45 business days which is about 2.5 months for everything to be resolved. To please reach back to us in the middle of XXXX and this issue will be resolved. On XX/XX/XXXX I spoke to representative XXXX who then disputed the request be removed and informed me to contact them back in a month and she assured me the credit dispute will be resolved.
On XX/XX/XXXX, I spoke to a representative named XXXX at Ally Financial and she informed me that she sent another notice ( Case # XXXX ) and she apologized that this has taken 4 months to resolve, but not to worry this should straighten everything out and by the beginning of XXXX I should see this dispute resolved. She also informed me that in XXXX this credit score drop occurred to multiple peoples accounts and that this is the reason why its taking so long. XXXX See attached documents Ally XX/XX/XXXX Letter, XX/XX/XXXX Ally Correspondence, XX/XX/XXXX Ally Correspondence Part 2 ) I also attached a XX/XX/XXXX Ally credit report, showing that my account is in good standings and that this credit dispute should have never occurred. I has now been over six months and this credit dispute issue has not been resolved. I have tried multiple time to reach out to the company Ally Financial to resolve this issue and nothing is being done. This is absolutely absurd and needs to be resolved immediately! If you all can not help me to resolve this issue, please send me some information to who I need to reach out to in order resolve this credit dispute.
Thank you, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX
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| 08/22/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
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|
Web |
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Prior to leaving the XXXX for the XXXX, I confirmed with my bank ( Ally ) what exactly I was to do to avoid excessive fees and currency exchanges during my time in the XXXX. Per emails from them I was instructed that they were members of the XXXX XXXX and that I should seek out those machines. I would only have to pay a small international transaction fee.
On XX/XX/XXXX I was told by Ally - " Please keep in mind that Ally Bank does have an ATM locator on ally.com and the mobile app. Any transactions performed at XXXX ATMs are surcharge free. XXXX ATMs are available outside of the United States in XXXX, XXXX XXXX, XXXX XXXX, XXXX, and XXXX. You can also find these locations at XXXX XXXX I followed these instructions and found a machine on XXXX XXXX XXXX XXXX XXXX upon my arrival on XX/XX/XXXX. The maximum I was able to withdrawal was XXXX pounds which at the conversion rate of XXXX came out to roughly XXXX XXXX with a XXXX ( XXXX ) fee.
Upon checking my withdrawal statement on the Ally app - I discovered that they took XXXX XXXX. A predatory difference of XXXX XXXX.
I filed complaint with the bank and was told the following my a customer service agent named XXXX and his message reads the following if you can make sense of it. I was not challenging the transaction fee but the predatory way they hoodwinked me with a false and excessive exchange rate after assuring me this would not happen.
" If you conduct a transaction in a foreign currency, the Debit Network will convert the transaction amount into U.S. Dollars by selecting an exchange rate from a range of rates available in wholesale currency markets ( or the government-mandated rate ). The exchange rate will be applied on the settlement date of the transaction which typically is later than the date of the actual transaction. It may not be the best rate or the rate that the Debit Network itself receives. In addition, an International Transaction Fee of up to 1 % applies to any POS debit or ATM transaction originated by any merchant or any ATM operator located outside the United States. Other fees for foreign transactions may apply. We will not reimburse you for any exchange rate loss or fee, or for any other fee you incur by using your Card outside the United States. '' The customer service rep XXXX who called me ( and I have all communication should you need ) can be reached at XXXX and select option XXXX.
I have attached his message to me. I have attached the message from Ally instructing me about the XXXX access. I have attached a copy of the ATM receipt which you can see is in the network of XXXX. I have been hoodwinked here and XXXX seems to be the kind of rep who only cares about profit of business.
|
| 04/15/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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I am writing the Consumer Financial Protection Bureau as I believe banks could do more to protect their customers during XXXX money transfers. Here is how I lost {$200.00} : I sent money using the XXXX feature on my Ally Bank account to a phone number I had previously and successfully sent money to. Unfortunately, I learned that they had changed their number and the older number I sent it to is not in service ( I tried calling the old number and I get an automatic message saying the number is not in service ). Ally told me there was nothing they could do. XXXX directs me to my bank.
I have zero recourse. I contacted the intended recipient and they let me know they changed their phone number and that one of their children also recently was unable to recover money sent to her incorrect phone number.
To clarify the entirety of the XXXX money transfer process, I'll walk through the steps in the paragraph below : I sent {$200.00} on XX/XX/2022 to a family member from my checking account using XXXX from my Ally checking account. I sent money to her about a year ago and Ally still showed them as a recent contact. When sending money, the name of the person is clearly displayed throughout the process. On the last page, right above the final 'Send ' button, there is the following message : " XXXX needs to enroll with XXXX using ( xxx ) xxx-xxxx to get the money.
By choosing Send you authorize this payment. If you want to cancel before the payment processes, you can go to Activity. For questions, call us anytime at XXXX. '' There is no warning to verify the person 's phone number is correct. When using XXXX with other banks, I would be prompted with the recipient 's first name before I sent the money as a confirmation. Ally doesn't warn or try to protect their customers.
I talked to the intended recipient and she mentioned that the same thing I'm going through happened when her son tried to send her money as well. They also had zero recourse. It amazes me how there is no consumer protection. Nothing was in place to stop the same issue from happening. No system to flag phone numbers or email addresses.
To summarize, here are my complaints : 1. Ally doesn't do enough to warn its customers that the transaction is not reversible. One could argue that the message shows on the final 'Send ' page insinuates that the transaction isn't final. There is a false sense of security.
2. XXXX allows disconnected phone numbers in their system and will take payment without any verification that the phone number is still active.
3. There is zero accountability. There needs to be a system in place for official complaints to specific email/phone numbers.
Thank you for your time.
|
| 10/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files.
If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) and the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
ALLY FINANCIAL XXXX Open Date XX/XX/2019 balance : {$270.00}
|
| 03/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
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Web |
|
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This is Rebuttal response # XXXX Attn : XXXX XXXX XXXX XXXX OF ALLY FINANCIAL , INC XXXX I XXXX XXXX come to you in good faith and Honor to rebuttal a Letter send by your company ALLY BANK with application # : XXXX Dated XX/XX/2023 at dealership XXXX XXXX XXXX in XXXX, FL. Where you give your reason why can't grant extension of my credit. ( VIOLATION UNDER FCRA, EOCA, TILA AND CFBP, Under 12 CFR PART 1002.4 ( Descrimination ). So ALLY FINANCIAL, INC. / ALLY BANK, claim that wasn't prepared to accept the consumer obligation if transaction was completed and wasn't agreeable to handling transaction. Meaning you accept that XXXX XXXX exercise his right under the Law Allowed him to ask for Extension of credit on " consumer credit transaction '' and you Denied his Request. The other reason was : proportion of balance to credit limit is to high on bank revolving, Serious Delinquency, time since delinquency, number of account with delinquency and number of inquiries on report. Really? Well Under 15 u.s.c. section 1681a ( 2 ) Exclusion : Consumer Report does not include ( i ) report containing information solely as to transaction or experience between the consumer and the person making the report. Meaning that every time a person make a report of " Late Payment '' " default '' " serious delinquency '' " banking revolving '' etc ... ..... Under 15 u.s.c. 1611 willfully and knowingly violation, No only is False and Misleading but is a fine of {$1000.00} for every report is put on someone credit report under 15 u.s.c. section 1681n. So now that reason not to grant Credit is been rebuttal, you still in violation for no Grant Credit request on Consumer Credit Transaction on Extension of my credit, on amount request with vehicle ( copy of vehicle request is attached to this rebuttal # XXXX ) violation under 15 u.s.c section 1681a ( k ) ( 1 ) or 15 u.s.c. section 1691 ( d ) ( 6 ) and under 12 CFR Part 1002.4 ( Descrimination ) for not Granting extension of my own credit. When someone is exercising their rights where the applicable law allowed it, the consumer is protected by the Law, is not the Creditor opinion/condition/Limit/False or Misleading on a consumer exercising their rights to extend their own credit on a consumer credit transaction. No one can be denied extension of their own credit, refused to grant credit on amount requested and under 15 u.s.c section 1681o : civil Liability for Negligent Noncompliance. Note : attached to this Rebuttal # 1 their is copy of letter by : ALLY FINANCIAL , INC. /ALLY BANK, Denied of Extension of my Credit and Copy of Vehicle Request on a Consumer Credit Transaction.
A Maxim of law .... Ignorance of the law excuses no one.
|
| 01/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
ALLY FINANCIAL threatened a Non-Citizen XXXX of the XXXX ( ( 8 USC 1101 ( a ) ( 21 ) & Public Law 94-241 Section 302 ) and/or Internationally Protected Person ( 18 U.S. Code 112 ) to unlawfully steal my private property knowing that they violated the CONSUMER PROTECTION LAWS and united states codes : 1 . Equal Credit Opportunity Act / Truth in Lending Act Regulation Z.
2. Fair Credit Reporting Act/ 15 USC 1611- False & Inaccurate information.
3. Fair Debt Collections Practice Act/ 15 USC 1692 - Debt collection practices.
4. CFPB 1026.23 Right of Rescission ( cancellation ) / 15 U.S. Code 1635 - Full Disclosure of everything especially the specie of money you are demanding. Federal Reserve Note is a promissory note.
Do not defraud anyone. ( XXXX XXXX ) / XXXX XXXX XXXX.
XXXX. Constructive XXXX, as well as actual fraud, maybe the bases of cancellation of an instrument. ( XXXX XXXX XXXX XXXX XXXX v XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX ( 1979 ) ).
XXXX. A note is only a promise to pay and not payment ( XXXX XXXX Bank v XXXX, XXXX P XXXX XXXX ).
XXXX. A debt is not paid by the giving of a note. ( XXXX XXXX v Maryland XXXX, XXXX. Supp. XXXX ).
XXXX. XXXX CFR XXXX ( a ) - High Rates/APR due to bad credit and/ or other criteria.
Do not demand interest on a loan. ( XXXX XXXX ) ( XXXX XXXX ) / XXXX XXXX XXXX.
XXXX. XXXX XXXX XXXX XXXX ( XXXX ) - Reporting to fake credit bureaus such as XXXX, XXXX, and XXXX.
10. 15 U.S. Code 1692d ( 1 ) / 15 USC 1681 ( 1 ) / 15 U.S. Code 1681b ( a ) ( 2 ) / 18 U.S. Code 242/ 18 U.S. Code 1349 - Destroying my reputation due to reporting negative reports without my consent to fake credit bureaus such as XXXX XXXX XXXX XXXX and XXXX XXXX I want you to change it from Negative to Positive/Good report and submit it to XXXX, XXXX, and XXXX as fully paid. Positive report is required to leave as-is 11. 18 USC XXXX XXXX Amendment - Depriving my liberty as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 8 USC 1101 ( 21 ) ) by placing a limit/ negative report on my credit history without due process.
12. 15 U.S. Code 1605- Not including Insurance and/or other fees in the finance charge.
13. 42 U.S. Code 408 ( 8 ) / 42 U.S. Code 3617 - Asked for my Social Security Number, and without an alternative plan to get the loan without using my SSN or destroying my credit score/history.
XXXX. Practice of law can not be licensed by any state/State. XXXX XXXX XXXX XXXX XXXX of NM XXXX XXXX pages XXXX, XXXX - Lawyer, Attorney, Judge, or anyone helping you legally are not licensed and shall be punished by law in full extent for pretending ( 18 U.S. Code 912 ) and for fraud ( 18 U.S. Code 134 ). Full Disclosure of everything is a requirement.
|
| 03/26/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
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Some strange behaviors from multiple employees have been noticed from using Ally bank. ( 1 ) Check with lesser amount than the amount written on check was submitted and deposited at that lesser amount, despite the assured reviews and checks that are performed by automated systems and employees to correct the amount ( 2 ) It has failed a total of 3 possible interventions until 4th call was made. a ) automated/manual review that checks submitted amount against the value written on actual check, b ) secure messages sent from the website that Ally insists are always answered, c ) a call to inquire about the issue and put a case note, d ) a follow-up call to finalize after amount has been posted. ( 3 ) Check submitted with a higher amount than the amount written on check had its value successfully corrected, meaning the system is working. But not for earlier incident. ( 4 ) Mobile banking feature was used to try and send a large amount that was later cancelled. Other subsequent mobile banking transactions have successfully made through. ( 5 ) Weeks later, mobile banking feature was used to send a lower amount and has triggered a fraud alert. Upon calling abut the " Mobile banking lock '' and failing its security checks, On XX/XX/XXXX, Ally went even further and suspended COMPLAINTANT 's entire account. Although it's understandable that someone could have impersonated the account holder, representatives at Ally couldn't give a clear explanation on why this wasn't triggered when a larger amount was involved. COMPLAINTANT uploaded/emailed photo ID, social security card and a utility bill per Ally 's request on this unfounded authentication check. On XXXX, Ally representatives denied to unlock the account as these documents did not have enough to support the unlock. Finally on XXXX, COMPLAINTANT had his account unlocked only using date-of-birth and social-security-number via the call with Ally representative. COMPLAINTANT is against puzzled as to why Ally did not ask those for those earlier.
Yet do this day around XXXX, Ally is careless in handling XXXX payments in time. Ally can feel free to show that it takes days and weeks to process payments based on contacts that might have already received payments from the COMPLAINTANT in the past or were recently added. Ally has the right to process payments or retain security postures that it deems necessary, or even to refuse service to anyone ( as long as not based on gender/age/religion/nationality ), COMPLAINTANT would like to retain the right to assert that some/many/all employees of Ally have a bias against the COMPLAINTANT, thus require additional authentication that they not require onto others.
|
| 12/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
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In XXXX of 2023, Ally Financial reported me as being delinquent two payments on my vehicle. This was shocking as since the inception of the loan several years prior, I had set them up on auto pay and had never been late. I checked my bank account and both payments had been swept on time and cleared. I provided confirmation numbers to Ally, but they insisted these payments had not been made. Upon further investigation with my bank, XXXX XXXX XXXX, I learned that at some point in XXXX, the two organizations changed the manner in which they transfer funds electronically ( or not ) between each other. Without alerting consumers, they changed this method, to what I believe may a manual check process. Addresses were provided unbeknownst to me between the organizations, several of them wrong, with checks being returned and reissued multiple times, again completely without my knowledge. Once I was finally in the loop, I made an immediate payment over the phone plus penalties ( and have still not been reimbursed by either organization for that ) to catch up. XXXX XXXX XXXX issued an immediate good faith letter for their role and Ally assured any negative impacts to my credit would be handled. I was in the process of buying a home, and as I have few credit lines, this single event dropped by score by XXXX points. Ally did nothing in the 6 weeks I was closing to assist in clearing up this issue, and in fact, continue to refuse to correct it, even after I disputed the negative reporting with all three credit bureaus. I have contacted Ally on multiple occasions by phone, each time they claim to have not received the good faith letters from XXXX XXXX XXXX, even though they have been faxed multiple times, I have provided them via their website, they were on the phone with the bank directly etc. Additionally, after receiving their letter stating that they were not changing their credit report on the incident, they have no physical address available to address future letters to, and their online portal did not recognize my account be email or username. After calling again and being told there is no way to send a letter, I threatened legal action, and then, and only then did they provide a XXXX XXXX XXXX of which I doubt I will ever receive any response to. I asked for a physical address or any address a certified letter can be sent to as was told it does not exist. Massive financial organizations like this hope to wear consumers down by making communication and information nearly impossible. These inaccurate negative reports have hugely impactful real world implications to me and all, and I appreciate any help you can provide in this process. Thank you.
|
| 09/20/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
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Web |
|
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To whom it may concern I XXXX XXXX is struggling on making my payments for the past 3 months but I have made partial payments last partial payment was made onXX/XX/XXXXof 2017. For XXXX I understand it not a full payment but I 'm trying the best I can to pay everything in full in a period of time.
I am struggling due 2 3 things now one is a hospital bill that is huge for a XXXX that was done to my dad in XXXX. That has been one of the reasons of my delay to make payments the most recent one is the hurricane XXXX that affected my love one my family in texas. Their homes were completely destroyed and now they have nothing my family and I provide them with water, clothes, blankets, food.and money. It is very sad and upset that I am experiencing this problems. And seem not to find a way out of this. This is a temporary thing and that is why I want ally financial to understand that I need to support my family affected and now also by the earthquake in XXXX XXXX my aunt uncles cousins have no water no homes, no clothes, and in need of more help. Those are the main reason why I in default and un debt. It is not intentionally I am working but my check is just not enough not now that I 'm experiencing this terrible situation due to mother nature. My family and I are very upset that all this is happening to my family and us.
I spoke to a representative today XXXX XXXX. 2017 and the representative insulted me telling me that I was loud and that I was angry and that I was always screaming on the phone I told him that that was the way I spoke and not to take it the wrong way but I was n't mad and that I had a deep voice. He insulted me telling me all those things and I even told him are you listening to what you are telling me you are insulting me sir. And I have you recorded and I told him I would file a complaint to cfb consumer financial protection bureu. That is very unprofessional the representative iinsulting you telling you that I was been loud and other things unacceptable not need it to gear those kind of words. In other word he was saying I was rude. And annoying and told me to stop talking and listen to him. I got mad and told him that was incorrect and that that was not the way to treat a customer even if anyone was behind on payments.
Ally Financial I have always been on time on my payments except this 4 months to to the circumstances that I 'm currently experiencing due to my relatives affected by the hurricanes and the earthquake and my dad 's situation.
I also wan na thank you because you been there for me before and now you are making it difficult to me i need tour help and they calling me more than 30 times a week or every day.
|
| 01/06/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
|
I used Ally bank to submit an ACH pull from XXXX XXXX in early XXXX in the amount of {$1000.00}. The money was withdrawn from XXXX XXXX on XXXX. On XXXX, Ally suspended all my external accounts and told me they were keeping the money ( XXXX transfers of over {$8000.00} ) until I could prove I owned the external accounts. I did, and I was then advised I needed to file a dispute with each individual external bank to get the money returned and Ally could not help me.
I filed all complaints and all money has been returned except XXXX XXXX. XXXX XXXX asked me to complete a complaint form and fax that back. I did. I contacted them about a dozen times and today, they told me the complaint was resolved but were not sure why the money had not been returned. I was transferred XXXX, yes XXXX times between the SAME XXXX DEPARTMENTS over the course of XXXX minutes, most of which I spend on hold for each transfer. I asked for a supervisor in the fraud department on the second to last transfer who initiated another transfer back to personal banking. I asked to be connected to the personal banking supervisor and was told they had my info and were ready to answer and assist. I was transferred to their voicemail and have not received a call back. Every time I call, I spend around a half hour on hold and then get transferred. I've already invested XXXX hours of my time trying to correct their mistake. I don't have any more time. I need help or I will have to file lawsuits so I can talk to someone face to face in my hometown courthouse.
I have contacted Ally through phone, chat and even dealt with their executive customer support/relations team. They are not returning my call, but did admit it was their fault and they had experienced significant errors and apologized for it. XXXX from the Deposit ECR team said she would contact me on XXXX and did not do so. I left messages on XXXX and XXXX and have not been called back.
Since this has occured, Ally has suspended all my external accounts on XXXX separate occasions. I showed proof of ownership to get them back. Then I had to call and get the rest unlocked again after they were still suspended. Now after talking with XXXX, they are all suspended again. I have no idea why and every time I talk to loss prevention department, it takes a half hour and they tell me a different story every time, even if I call the same day about the same issue.
They have also restricted my ability to transfer money. Transfers now take longer and I can't even use XXXX. XXXX is supposed to be immediate or same day, but Ally won't deliver any XXXX money for a week because of my account suspensions -- that aren't my fault
|
| 12/01/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
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Due to my purchased vehicle being damaged and undrivable, I contacted the dealership ( XXXX XXXX ) to activate my gap insurance and trade the car in for another vehicle. During this process, I spoke with XXXX XXXX ( salesman ) and XXXX XXXX ( manager ), employees of XXXX XXXX, who invited me to the dealership to pick a new car and workout a new deal. So, I secured a ride on Sunday XX/XX/2022, to visit the dealership. After test driving a few cars, I picked the one I wanted and was told that arrangements will be made for that Tuesday XX/XX/2022 ( because Monday was XXXX XXXX ), to have a mechanic from the dealership go inspect the car and possibly fix it, or have it towed back to the dealership. Unfortunately, it rained the day of pickup and the day after, so they canceled the pickup arrangement due to safety concerns. Since then, it has been difficult to reach anyone from the dealership to confirm a new pickup day for the car. I informed Ally Financial of my dire situation, that I am handicap and need the car for daily transport to and from work to maintain my employment, hoping they would help, but they just told me to contact the dealership. So, I again reached out to the dealership for a solution, and I finally received a call on XX/XX/2022, from a XXXX XXXX named XXXX, who said she was authorized to offer a {$1000.00} for the car, which would have voided my gap insurance ( per the contract ) and I would still owe Ally Financial Inc the balance of the total car amount, plus will still have to buy another car. That solution just was not adequate and completely unfair to me. This led me to re-review my contract to see if there was a warranty or something that I could enforce on the car. I noticed there were some TILA ( Truth in Lending Act ) and Consumer Bill of Rights violations committed by XXXX XXXX that voids the terms of our Retail Installment Contract. According to the contract, a written certification that the car was in safe & working condition at the time of purchase is required by NY State Law, but none was provided. This certification was supposed to be a guarantee that the car is in safe & working condition, and the dealership would be held responsible for repairs or pay in full for repairs of any unsafe condition in the car. But because no such certification was given to prove the car was in safe & working condition, they are still liable for remedy according to the contract.
I sent letters to both Ally and XXXX to rectify the situation, but they have yet to respond to my 14 day deadline, and it's now been 30 days without a response. So I accept their silence as agreement to my demands and voidance of the contract.
|
| 05/21/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
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Web |
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I lease a XXXX Dodge from XXXX XXXX XXXX in WI XX/XX/XXXX. After the XXXX truck was found to have XXXX more miles than advert sed I have no idea why this is cutting off/ going XXXX.
I was not provided with and account number or mailing address nor exact payment amount. I contacted Ally Bank on or about XX/XX/XXXX. I sent a payment per verbal instructions. Then I sent a double payment in late XXXX I noticed a partial payment due. I contacted Ally and was informed it was a late charge from XX/XX/XXXX. To which I informed them it was their error in not providing a payment amount, due date, account number and mailing address.
The person was not authorize to correct so the put in a request. A few weeks later ( XX/XX/XXXX ) at approximately noon I received a collection call stating I was 31 days past due because of a returned check. I advised them that was not possible as it was a cashier 's check. They said it was in the amount of {$2000.00}. I advised them I had never sent a {$2000.00} check. Collector claimed it did not matter that I wa 31 days past due and needed to make an immediate payment. After a " heated '' exchange I hung up. I contacted both the dealership and ally and got lots of reasons why I was past due from they do n't accept multiple payments to a returned check. I ask multiple times verbally, emailed and wrote letter to get address of their regulatory agency to file a complaint. To which I never received a valid answer.
When I was told it was corrected ... I never got a copy of my credit report showing that it was removed or corrected.
They sent me some kind of accounting statement showing I made 6 payments in XXXX XXXX and XXXX payments were reversed in XX/XX/XXXX. Which is not a payment history of my account as requested. Nearly 20 hours of business time was spent correcting this only to find out it was still not corrected. The Ally contact with XXXX XXXX XXXX called and during that conversation it was discovered that Ally had added an additional late fee to my account when they had reversed a double payment twice on XXXX XXXX, XXXX.
I have a verbal phone call that I made that appears that the current amount due is correct as the next due date. I have no in writing evidence of that as was promised on several occasions. Obviously this is a condensed version of what happened during countless phone calls and at least 20 hours of business hours lost. Not to mention multiple harassing collection calls. When they were directed not to call again unless they had a resolution. It was explained to me at one point that collections and the department investigating the issue have no means of corresponding with each other.
|
| 01/02/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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In XXXX, XXXX, my son and I leased a XXXX XXXX XXXX and Ally Financial financed the deal. The lease was for 24 months @ XXXX miles per year and we purchased XXXX additional miles at the time of the lease inception, allowing XXXX miles per year or XXXX per month. Any unused miles were to be reimbursed at XXXX cents per mile up to XXXX miles. There were 22 miles on the vehicle at the inception. The vehicle was due to be returned in XXXX, XXXX, however, Ally offered lease extensions up to 6 months. They advertised on their website at the time that due to the pandemic, you could extend the lease and that there would be no changes from the original contract. I contacted Ally several times before extending the lease to ensure that would be the case and to verify the mileage we would be allowed. In one conversation via chat, I was able to save the chat indicating that what was on the website was accurate. SEE ATTACHED. We decided to extend the lease by 4 months. We turned the vehicle in to the original dealer ( XXXX XXXX ) in XXXX, Ohio, on XX/XX/XXXX with XXXX miles on it. According to my calculations, we should have received a refund for unused mileage in the amount of {$960.00} ( see below ) Miles allowed after the four month extension : XXXX ( XXXX months ) =XXXX miles XXXX used ( odometer at turn in ) : XXXX miles Miles purchased and not used : XXXX miles XXXX XXXX per mile = {$960.00} Ally for unexplained reasons issued a refund of XXXX. I have contacted the company numerous times to see why they issued the refund that they did. I have talked to individuals in the their lease termination department XXXX ( XXXX, XXXX ) and left messages for their supervisor ( XXXX ). Never got a return call. XXXX referred me to another department, ( XXXX ) and I spoke to XXXX. She referred me XXXX XXXX and I spoke to XXXX ( XXXX XXXX ) two times ( and emailed twice as well ) who claims she referred this matter for resolution. I am no longer willing to invest any more time and wish to file this complaint. I realize the amount of money is not great, but the money belongs to my son and I want him to receive it or at least an explanation why he did not get refunded the amount that we calculated. I was able to determine that they added XXXX miles to the original allowance ( total XXXX ) and refunded based off of that number, but that is an entirely arbitrary number and not one that could be arrived at if going by the contract. My frustration with this company is extremely high based on the number of the attempts I have made to resolve this and their entire lack of response. It seems their attitude is take it or leave it. I hope you are able to help.
|
| 04/12/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
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Web |
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After the car I had owned for ten years died I needed a new car. Went to XXXX XXXX in XXXX, Texas, on XXXX XXXX, XXXX, told the salesman I wanted a monthly note of {$200.00}. Found a car and then I was railroaded by the salesman at XXXX and Ally Financial into a nearly {$400.00} monthly car note. The salesman told me Ally was the only lender willing to give me a loan. On XXXX XXXX, I called Ally to tell them I did not want the loan. Ally 's representative told me if I did not take the loan, it would be listed on my credit record as a default on the loan. I felt trapped. How did I allow myself to get into this situation? I called the salesman at XXXX and told him I did not want the car and he told me I had to keep it for a month. Exactly one month later, I called XXXX back and the salesman no longer worked for them. I felt stuck. I had a job and so I just made the payments. I am unemployed now and can not make my car payments. I called Ally to renegotiate my loan so I can have smaller payments on XXXX XXXX, XXXX and they said I have to make MORE payments in order to reduce my monthly payments. I feel like Ally and XXXX XXXX conspired to entrap me in this endless cycle of high car payments. As an African-American I know that Ally and XXXX XXXX used my race as a way to enslave me with lies and deceit. In XXXX of XXXX I talked with XXXX regarding the lawsuit against Ally. And yes, I was listed as a victim of Ally, and the Settlement Agency was going to send me information. In XXXX of XXXX, I called the Settlement Agency and they said my information came back to them with a wrong address. Apparently, Ally forwarded the Settlement Agency an OLD address. I have been calling the Settlement Agency ever since until finally a supervisor got back to me and said the deadline had passed. I have never missed a payment with Ally. I have always personally called them when I moved. I have received monthly cay payment notices in the mail since I got the car. Funny how when it came to me being a part of this settlement, suddenly Ally provides an old address and not the address they have been sending my monthly car payment request to. I feel stupid for not doing certain things back on the day I bought the car. I should have walked away. I had no idea what I was up against. With that being said, Ally and XXXX XXXX railroaded me into this huge car note. XXXX did not do due diligence in ensuring I was included in the settlement and Ally refuses to re-negotiate a lower monthly car payment, and these are the reasons I am writing to you today : to ask for help. I have no where else to turn and I trust that this bureau investigate my situation further.
|
| 11/15/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
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Web |
|
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On XX/XX/XXXX my car was repossed by Ally Finance, I wanted my car back so on Monday XX/XX/XXXX I called redemption department to find out what I needed to do. I was behind 2 months and late charges. They told me how much I needed to pay to get it back, that was {$1800.00}. I did what I needed to do, borrowed the money paid by XXXX XXXX on XX/XX/XXXX. They received the money and everything was released on XX/XX/XXXX. I asked about making the XX/XX/XXXX payment, which was due on XX/XX/XXXX. The gentleman told me to send it by XX/XX/XXXX and send with XXXX XXXX or XXXX XXXX so they would get it on time. I sent {$350.00} by XXXX on XX/XX/XXXX for same day delivery. The following week I started to get rude phone calls about not paying the XX/XX/XXXX payment. I explained I had paid and gave them the reference number from XXXX but they could not find it. I called the redemption department again, asked about the XX/XX/XXXX payment was told yes they received but could not understand why it had n't been posted, this was XX/XX/XXXX. I now have a late charge of {$17.00}.
Spoke with XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX in redemption, both found payment and sent to escalation to be posted. Still getting phone calls and being told I did not make the payment plus a late fee. They even asked if I wanted to make a payment arraingement. Ally told me I should have paid on online or called the payment in but they had shut down my online account and at the time the {$1800.00} had n't posted. It posted on XX/XX/XXXX. I then started calling XXXX, XX/XX/XXXX, to check on transfer. XXXX saw where Ally received the payment, could not understand what they did with it. Was transferred to the problem dept where they checked for correct account number, my name, where it went, and the receiving code, everything was correct. XXXX with XXXX, was going to contact Ally about why they did not post to my account and to call back in about 5 days. XX/XX/XXXX, called XXXX was told retransferred the money to Ally and saw they received it again. Called Ally, spoke to XXXX, still cant see it, then was told the reference number she had was an incorrect number and that the XXXX agent gave me wrong number. The number was computer printed with all my info listed and XXXX can find it, so did Ally redemption dept. I called XXXX again, spoke with XXXX who checked all my info again and said that it was all correct. He was going to email Ally again to get this cleared up.
On XX/XX/XXXX I made XX/XX/XXXX payment but it was applied to XX/XX/XXXX so I am still behind and now have another late payment.
At this time I have 2 late fees of {$17.00} and still 1 month behind.
|
| 05/15/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
Older American |
|
XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX XX/XX/XXXX Consumer Financial Protection Bureau To Whom It May Concern, As your constituent, I write today out of a deep sense of frustration concerning the Financial institution as they target XXXX XXXX to deny and disenfranchise for Housing, personal, business and Automotive loans. On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX posted an advertisement no down payment with low interest rates. We applied for a loan for a XXXX XXXX XXXX {$16000.00}, with XXXX miles. On XX/XX/XXXX, my wife and I was approved for no money down with a low interest rate based on our credit scores XXXX, financed through Ally Bank, we called Ally Bank and was told our interest rate will be from 8.85 % to 11.99 %.
My wife and I are beyond disappointed in this dealership, more specifically, sales manager XXXX XXXX. This man attempted to come off as a trusted, charismatic individual, but essentially in my experience working with him, my opinion changed and he has lost my trust and respect. It appears this dealer is engaged in bate and switch and Predatory lending after shot-gun our credit to several lenders, which further damaged our credit report due to excessive inquires. While the finance department were completing the final documents, we took the car for a one mile test drive no problem found at this time, except, the left rear floor mat was split, Rear wiper blade broken, radiator reservoir was empty.
I alerted the lot person of the issuers, he stated they will fix the problem. After the test drive, we were told to report to the finance department, where we was forced to signed the car financial document In seven minutes without any explanations to what we are signing. We was not told about the XXXX and XXXX XXXX XXXX XXXX on this car that we paid for. We drove sixty miles to our home to find out this car was Jerking and shifting very hard, I called XXXX and told him about how unhappy about this transmission situation, He asked me to bring the car in on XX/XX/XXXX to fix the problem, which the dealer should have checked during a service of this car.
When we got home we are able to actual read what we signed and very disappointed as to how we got ripped off manly because they target XXXX XXXX in regards to situation like this. XXXX should be forced by the Federal Government for a transmission recall on the XXXX XXXX. We are asking the State and Federal Government to investigate XXXX XXXX XXXX XXXX for Predatory Lending, while using bate and switch tactics, while inflated the cost of the loan to {$19000.00} for 75 months interest over {$30000.00} when the car is paid off.
Sincerely, XXXX XXXX, XXXX.
|
| 08/05/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
Opened Saving Account at Ally Bank ( online ) set up a transfer from XXXX XXXX ( aka XXXX ) of {$100000.00} on XX/XX/XXXX. I gave Ally my Routing and Account Numbers, the next day the Funds disappeared from XXXX. That same day XX/XX/XXXX I got am Email from whet appeared to be Ally banking instructed be to contact them which I did. I was concerned using a number from an unsolicited email but a representative from their Fraud prevention depart questioned me in a rather aggressive way if that was my money and demanded I fill out forms with personal information to attest to it. I reaction to this by saying cancel everything which in hide sight was a mistake. She canceled/closed my account on XX/XX/XXXX, the funds that they removed from my XXXX Account were never deposited in the ALLY account. I was told by this representative that they would be returned to my XXXX account XXXX as of today they have not. Called XX/XX/XXXX and was told by the same Dept the funds were statused as rejected on XX/XX/XXXX and the funds should be in my bank account, again which they were not. I contacted my Financial advisor at XXXX and we called ALLY together on XXXX hours on hold multiple cold transfers and we end up back at the same Fraud department with the original rep who closed the account. She claims the transfer never went through but they were removed from my XXXX Account. I was told by ALLY to file a claim with XXXX which I did. I was told by my Advisor that was rejected because XXXX as never received the funds. I called ALLY again on XXXX, multiple cold transfer repeating the same Information to them and ended back up at the same department to the same person that cold transferred me to from the beginningt. One lady in the middle of transfers told me my case had been closed and I was in a Fraud Profile. Which essentially means to me they must be holding my money. This Lady named XXXX said she reopened my case, she reportedly conversed with the XXXX team and reported back to me to file a claim with XXXX ( which again was done on XX/XX/XXXX ) I was eventually transfer back to my original representative in the Fraud Depart " XXXX '' Maybe. this time he was argumentative since I recognized his voice and remarked on being cold transferred so many times. I asked for him to remove the Fraud profile on my file that XXXX instructed that I do but he rudely refused. I asked to be transferred to a supervisor and he said some undiscernable words I got a voice mail of a " XXXX '' ( phone sound quality was very poor ) long story short here ALLY pulled money from my bank account and it is now now where to be found I can supply a case reference number
|
| 09/04/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Ally has intentionally reported an inaccurate charge off on my credit report even after I 've provided them with proof my car payments were deferred. On XXXX XXXX, XXXX, my car was declared a total loss due to the flooding in XXXX, TX which was declared a natural disaster. I 've even continued to make my monthly payment until I noticed the online portal displayed my next payment was n't due until XXXX XXXX took it a step further and decided to contact Ally to confirm this was correct. The rep reassured me that this was correct and not to worry about payments until XXXX. This is because my insurance company paid off XXXX but I was left with a remaining balance of about $ XXXX since I did n't have GAP coverage. I take full accountability for the amount owed!
Months later, in XXXX XXXX, I started receiving calls that I needed to start making monthly payments immediately. I advised the rep that my payment were deferred and they stated that I was originally given the wrong information. I informed Ally that I 've taken on another car loan and could n't afford to pay on it at the moment but will pay what I can since my payment were technically deferred. No one from Ally has wanted to take accountability and accommodate me with what I was originally told. I 've even provided Ally proof of the information displayed on their website at the time and asked them to pull the calls. Ally has done nothing but advised me to contact the credit bureau to have the charge off removed. I 've last spoke with XXXX from Ally on XXXX XXXX, XXXX at XXXX. Her contact number is XXXX XXXX. We were trying to come to a payment agreement but unfortunately, I could n't afford to pay the large lump sum payment she requested. However, I did pay {$94.00} towards the balance. Even in this conversation, she told me to contact the credit bureaus to have them remove the charge off because nothing can be done on her end. Prior to contacting XXXX, I 've already submitted multiple disputes online. I 've even sent letters to each credit bureau via certified mail on XXXX XXXX, XXXX and they continue to leave the same remarks " Charge off, customer disputes after resolution, meets FCRA requirements. '' I 'm convinced the credit bureaus has n't even investigated this matter because the information is still being report inaccurately although I 've presented the credit bureaus and Ally with the burden of proof to justify my claim. Its sad because I was a loyal customer with Ally and never missed a payment before my car was totaled. Once this remaining balance is paid off, I will never use Ally and will likely spread the word of how this company operates unethically.
|
| 10/14/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
While trying to make a past due auto loan payment at Ally Bank via phone. A supervisor took over the call and argued about taking a payment. I had been working with a person named XXXX. XXXX had been making contact with me in regards to my payments. Around XXXX this morning XXXX called to follow up about payment. I let her know that I was in the process of doing so. She informed me to make a payment and she will make sure that it was posted. After hanging up, I went to the online banking site and began making my payment. I needed to make two transactions of {$230.00} to make a payment of {$460.00}. When I made the first {$230.00} transaction and began to make the second the on-line system would n't allow another transaction to occur in the same day. In the error message line it suggested that I call for further help. So I did just that, I called back XXXX 's direct line. But she did not answer, another person named XXXX answered and explained XXXX had just went to break. After explaining the actions that I had took and that I wanted to make two transactions. XXXX explained that I would have to make a payment via third party with an included fee. So, I stated that I would make the other {$230.00} payment tomorrow. XXXX said that would not be acceptable and then placed me on hold. After about a minute of being on hold another person informed me that she was a supervisor named XXXX XXXX and then the call became different. She was rude and abusive and even eluded to be a legal expert. Even after explaining that all I wanted to do was make a payment. The supervisor constantly spoke over me and chastised me about my difficult financial times and not being able to make a timely payment. She continued even after I stated that my financial hardship was due to the downturn in the XXXX and XXXX XXXX of which I am a business owner. She also brought up a legal notice and during the conversation she stated it was " black and white ''. I asked if she was a legal person, she acted as if she was a legal representation and that I had no recourse or options. I also informed this Supervisor that I am a business owner and I too record my calls. After 22 minutes of this rude and abusive behavior payment was made and the Supervisor had no remorse for her behavior she even at one point told me she " did n't have time for it at XXXX. '' I was confused by what she meant by that, she did n't have time to resolve my issue and take my payment? This call was derogatory, abusive, and degrading when the only thing I wanted to accomplish was making a payment to clear up my finical issue. I have this call recorded and available for review, if needed.
|
| 01/25/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
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Web |
|
|
We finished our three year lease with Ally Financial in XX/XX/XXXX. Throughout the course of the lease I was frustrated with Ally 's billing statements. It seemed that I was perpetually late! Even after I sent in payments in the exact amount listed on statements mailed to my home, I was always shocked to find that there was an outstanding late fee from months before that was now compounding in additional late fee charges. We have had several home and auto loans. Ally was by far the worse financial institution to deal with. Needless to say, we were happy to be finished with our leasing agreement with them. We were disappointed to receive a letter from Ally on XX/XX/XXXX telling that we owed {$1000.00} in excess wear charges. They sent pictures of the " so-called '' damages which appeared to be no damages at all. We told Ally that we were disputing the charges and agreed to only pay for a small dimple dent on the hood of the vehicle that Ally was charging {$240.00} to repair. Ally refused. I filed a complaint with the FTC ref. number XXXX as well as the Better Business Bureau Serving XXXX Michigan and the Office of the Attorney General Consumer Protection Division ref. number XXXX. We jumped through every hoop Ally asked of us however after their " internal '' review of the case ( they had to review because of my BBB complaint ) they stood by their {$1000.00} charge. We were forced to contact a lawyer. Not because we could n't afford the charge but rather because a company should not be allowed to take advantage of customers and bully them into paying for fictitious wear and tear charges. We informed Ally that we had contacted a lawyer. In the process they sent us to a collection agency. My husband and my credit score has dropped 100 points because of Ally Financial. Our lawyer sent a letter to the collection agency and we recently settled with Ally for half of the {$1000.00} charge. Something we could have done back in XX/XX/XXXX if Ally! I was informed by the Collection Agency that Ally is the only one who can take the complaint off of our credit report. This is what I do n't understand! Ally Financial has a BBB overall rating of F, they are NOT accredited by the BBB because of their poor business practices. Of the 136 customer reviews of Ally, 133 were negative, that 's a 98 % negative customer rating! https : XXXX How can a company with a F rating have any authority to ruin a customer 's credit score for 7 years. I do n't know what our recourse is. I just know that something MORE has to be done to watchdog companies from customer bullying. And there has to be negative consequences for companies with a F rating.
|
| 07/13/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
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Web |
|
|
I leased a XXXX XXXX XXXX thru Ally Financial. Two months ago I was in an accident and it was totaled. My automotive insurer, XXXX paid them off in full. It took a few weeks for it to show up on my account on the Ally Automotive website. When it did ti said " Paid in full '' then one day later all of my information on my account changed to " unavailable '' and I wasn't even able to view past payments. Shortly after my accident I moved to a different address, of which I notified Ally over the phone. They confirmed it and supposedly put it in their system.
I checked my bank account and on that same day they took out another payment from my bank account for the car, even though it didn't exist and was paid in full. This was on XX/XX/XXXX for a total of {$310.00}. I tried to get a hold of them to get that money back as well as the half of month previous which I didn't have the car for two weeks, ( pro-rate ).
When I called them they kept telling me they needed to contact another department, but actually just kept hanging up. This happened three times the week of XX/XX/XXXX. Finally, I got a hold of the accounting department and they told me I owed them {$680.00} ( Basically XXXX minus the other payment they took ). I figured I would check the website to double check where it said " Paid in full '' but now all of my information is gone.
Fast forward to XX/XX/XXXX, where Ally started robo dialing me to " collect a debt '' from the phone number XXXX XXXX XXXX XXXX for a total of 6 times also on dates ( in addition to XXXX XXXX XXXX XXXX XXXX ( twice that day ) XX/XX/XXXX, and again today XX/XX/XXXX. I've answered it a couple of times which is how I learned it was a robo dialer also they never leave voicemails with this number to confirm who they are. Pretty sure you can't make robo calls for debts anyways, but this whole thing is messed up.
I've requested that they send me the information to my new address, but they tell me they never changed the address, and they demand my social security number over the phone, and frankly, I don't trust them with that information, and the number itself feels like a scam.
In short : Ally was paid IN FULL by my insurance company after a car accident, they are trying to bill me for an extra XXXX dollars. They owe me at least {$310.00}. They've deleted or removed access to my information online to deliberately hide that fact. They then started using robodialers ( which erodes the safety and trust of sharing information over a phone call ) to harass me into giving them money. They refuse to change the address on my account unless I share very private information over the phone.
|
| 01/24/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
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On XXXX XXXX I made my current monthly payment on My Ally bank home equity loan electronically as I usually do. On around XX/XX/XXXX I received collection notices in the mail indicating that I was in default of my loan. I immediately went to my bank account and to my account with the Ally.to check for payment activity and could not find records of the payment. Unfortunately I did not record the confirmation number when I made the payment. On XX/XX/XXXX I called Ally bank to inquire of this payment. The person assisting me spent quite a bit of time researching but could not find a record of the payment. At this point I assumed that I had made an error when posting the payment and agreed with the company rep to make that payment which was from my XX/XX/XXXX payment, My current payment which was for My XX/XX/XXXX payment and my next payment for my XX/XX/XXXX payment. I received and recorded a confirmation number from Ally for this payment and was assured that all was OK. On XX/XX/XXXX I again received debt collection letters from Ally stating I was in default of my account. I again called in and after considerable wait on the phone I was told that they could see the payment activity and discussions in my account record but could not determine where the payment went. ( this payment was not taken from my bank account either ). Once again we agreed to make the same transaction for three months of payments. Again I received a confirmation number and was assured all was okay. On XX/XX/XXXX I again received mail from Ally saying I was in default on my loan. I checked my bank account and the payment had not been withdrawn. I called Ally again on XX/XX/XXXX and after the same routine and extensive wait times I was told that for some reason due to the type of loan that the payment was put in " suspense ''. Again we agreed to make the payment making my account not only current but paid in advance. Again I received a confirmation number and was assured all was Okay. On XX/XX/XXXX the full payment was withdrawn from my bank account. I went to my Ally account online and found that the payment was still being listed as past due and in default. On XX/XX/XXXX I received an email notice from my bank that my XXXX score had been reduced due to negative credit reporting by Ally Bank. On XX/XX/XXXX I checked my Ally account on line and found that the payments had finally been credited and the account was up to date. Everyone I spoke with at Ally was helpful and assured me that all was Okay. It is not okay that my credit record is being negatively effected my credit record due to internal issues at Ally bank and no fault of my own.
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| 06/29/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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In XXXX of XXXX, I noticed charges on my card that I had not authorized. I called Ollo Card Services to make them aware and request assistance. I, initially, spoke with the disputes department. They told me that I needed to speak with fraud department. I did and was told that there would be an investigation. They removed the fees from my card. I thought that everything had been resolved.
The next month, the charges reappeared on my statement. I called Ollo again and was told that they were new charges. I requested and received a new card because we figured the card had been compromised. The charges were removed again.
This happened again the next month with the new card. I called Ollo again telling them that I believed that someone in the company had to be involved because there is no way that someone would have access to my new card. I requested and was given another new card. The charges were removed.
When I received the final card, I immediately locked it. It has remained locked ever since.
XX/XX/XXXX, I received a letter ( dated XX/XX/XXXX ) stating that they ( Ollo ) had decided to deny my claim and added {$620.00} back to my account. It said that I had 10 days to respond to the letter. I called Ollo again questioning why it was denied. I was told that they investigated and found that I must have done an online survey or agreed to pay for shipping on a product that resulted in the company, that I agreed to this with, selling my information. I stated that I hadnt done either of those things and asked for proof of that transaction. She said that it was done online and there was no proof. The agent stated that this is not fraud and that I needed to speak with the disputes department. I argued that that would be the very definition of fraud. She did not budge but stated that she would transfer me to the disputes department and stay on the line to explain my situation to the agent.
She transferred me and hung up as soon as the agent answered. I spoke with agent. He told me that the charges were too old to be disputed.
Basically, I talked to the disputes department and was told that I needed to speak with the fraud department. I spoke with the fraud department. It took them almost a year to tell me that I needed to speak with the disputes department. At that point, it is too late for the disputes department to act on it.
I have told them that I am trying to purchase a home and that this is destroying my credit because they keep adding the fees to the card just before reporting it to the credit bureaus.
Please help me get this resolved. I do not believe that I should have to eat these charges.
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| 11/24/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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On XXXX I applied for a XXXX mortgage at Ally and in order to lock in the rate at XXXX for which I was " pre-approved '' I had to pay the {$550.00} to lock in the rate. I did pay the {$550.00} and from that point on Ally was not telling me the truth based on the " pre-approval. I want to start off saying that my credit score averaged XXXX which is over the requirement. Ally did not accept my third quarter Profit and Loss statement so I went to my book keeper who provided XXXX XXXX which showed a monthly income of {$4100.00}. On the P/L my XXXX draw was shown as Outside Services for which the business pays me the monthly officeXXXX draw of {$1000.00}. Ally NEVER counted that as my income. Also I explained to Ally that the cards with the large balances were my fathers. On Thursday XX/XX/XXXX XXXX XXXX instructed me to pay off the {$5000.00} balance so that they would show XXXX so I could still lock in my rate. On Monday XX/XX/XXXX when I kept showing proof to XXXX that my cards were paid she insisted I have to have the screen shot of the cards. I told her that I paid them on Friday the XXXX so they didn't post yet. Ally played the bait and switch trick because every step that I followed so I could get approved was not working. I spent {$5000.00} only to be told that I didn't qualify for XXXX yr and that I would need to get a XXXX with a by down of {$3300.00} for 2.65 %. I emailed at XXXX on Tuesday the XXXX to XXXX that I'm withdrawing my application and I want my {$550.00} back. XXXX replied no problem. since they were dishonest with the credit card debt and not including the {$1000.00} per month on my officer 's draw. Ally emails me at XXXX on the XXXX that I was denied. I wasn't denied I withdrew and they STILL did not refund my money. Ally makes customers pay up front to lock in a fake rate they will never give. In addition, I followed the instructions of XXXX to pay off my credit cards and spent {$5000.00} dollars only to be told " Sorry I told you to do that. '' Then XXXX tells me she can't tell me the reasons because she is to allowed and not licensed in my State of XXXX why would she be paired with me if she can not relay the information from the underwriter. The underwriters are not trying to approve at the rate Ally tells you will get and then they will switch it to another one where you will buy points down. This cost me a lot of money and they could not calculate a debt to income ratio. I was told " I can not explain how we figure that out. '' Please never use Ally they are dishonest and plan on selling your loan to another servicer. Save your {$550.00} for a more honest place. Do not use Ally.
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| 05/15/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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To whom it may concern : I have been dealing with Ally Financial for approximately 6 years with an auto loan. In the month of XXXX I had spoke with an Ally representative requesting an extension for my XXXX payment. The represented submitted my request and I was advised they will contact me to verify if request was approved or denied.
The following week I received a phone call from Ally requesting to collect a past due balance. During the call I advised the representative that an extension was submitted and requested if we could review that. The rep places me on hold for a minute or two. Once they break the hold they advised that they request was approved. I asked the rep again to verify it was approved and they stated yes. I then asked if this was approved why am I receiving this phone call? The lady apologized and advised she will have my information removed. About a week later I received another call requesting to collect a past due amount. I speak to the rep and they stated the approval was never approved. I then asked if every call is notated and if they can pull up the notes and if I can speak with their representative. They then confirmed that they see a call was made out on that day but no notes were left on the file. My next request was to speak to a supervisor to have that call pulled. The supervisor said they have to submit the request and a manager will give me a call back.
A week passes by and I receive a call from a " supervisor ''. The gentleman most likely did not read any notes. I had to explain everything again to another representative. Once I brought him up to speed I asked if they obtained the recording. The gentleman advised no and then stated he will have his manager reach out to me within 2 days. After not hearing from anyone I attempted to call back the number the gentleman called me from but the number was not valid.
After calling back the customer service number I spoke with a gentleman by the name of XXXX who actually read over the notes thoroughly and apologized. He then advised he can not pull the recording but advised me to switch my bill date for the time being in order to prevent the negative hits I was receiving to my credit score. He then stated that I will be contacted the upcoming business week from a manager. This issue began in mid XX/XX/2018 at this very moment XXXX pm mst I am on my 4th call to Ally in efforts to resolve my issue. The most upsetting thing about this process is that there is no representatives you can speak with in the states. My credit score has been dramatically impacted by this run around and I have yet to receive any resolution at this time.
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| 11/16/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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This is my responce to ally financial, this is my last warning to your corporation and final draw.
The contract you sent me has signatures on it that my original copy does not have, this is constructive fraud, The law in this regard is relatively straightforward. A trust is not a legal entity and therefore lacks legal capacity. The trustee must undertake all legal formalities pertaining to the trust arrangement.
CONSTRUCTIVE FRAUD Under contract law, a defendant can be liable to a plaintiff for constructive fraud if there was : ( 1 ) a false misrepresentation ; ( 2 ) in reference to a material fact ; ( 3 ) for the purpose of inducing the other party to rely on such representation ; 4 ) on which the other party did justifiably rely ; ( 5 ) which resulted in damages or injury; and ( 6 ) a fiduciary relationship between the parties. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XX/XX/XXXX).
Bad intent or dishonesty is not a requirement to satisfy constructive fraud.
The elements for actual and constructive fraud are the same with two exceptions : constructive fraud drops the element of scienter -- knowledge on the part of the injurer of the representations falsity -- and adds the element of a fiduciary relationship.
There's no lawful money to pay and debt which means constructive fraud is being performed in everyone that accepts credit cards and federal reserve notes which are " debt vehicles '' This debt is a obligation of the United States 18 usc 8 Banks do not loan money and its ur duty to borrow 12 usc 1431 Ally financial shall provide a bank statement from there personal account proving they loaned me money, since they are saying I owe them.
You took XXXX down payment violation of 15 usc1605, you also violated cease and desist as your still sending me threats for repo when you never had possession of my property to begin with, that will be theft if you touch my personal property. As far as the repo man you shall warn him if he come and takes my property he will be breaking the cease and desist order and will be just as guilty in fraudulent activities, Also your 30 days has expired as my affidavit of truth unrebutted stands as truth in commerce and there is no statue of limitations on fraud you should have responded to my facts line by line in another affidavit but you failed to respond to it, and should have been no problem if everything you are saying is true Once again this is your opportunity to cure if not I will go further and you will not win this im a living man, original creditor, natural person.
And have all evidence on fraud and my consumer rights that have been violated,
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| 07/15/2015 |
Yes |
- Money transfers
- Domestic (US) money transfer
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- Incorrect/missing disclosures or info
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Web |
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I have a Traditional and Roth IRAs money market accounts with Ally Bank. I 'm in the process of trying to transfer those funds between XXXX other FDIC insured banks so that all of my IRA money will be Federally insured. I signed, dated, and mailed the " IRA Transfer Requests '' applications from these XXXX banks to them. XXXX of the banks in turn submitted this signed request form to Ally Bank to start the process of transferring the money into the new Tranditional and Roth IRA money market account. However, a representative from Ally Bank called to inform me that the requests to transfer the money had been denied. When I asked Ally Bank why the transfer was denied, they informed me that my signature was not notarized by a notary public with a notary stamp. She said anyone could signed a transfer document. I told her that I had signed it and that I was giving her verbal authorization to make the transfer. I told her that she had asked me at least XXXX security questions to verify that I was the owner of the account in questions before we began the discussion of my IRA. There is no logic why after successfully answering the security questions that Ally Bank refused to accept my verbal acknowledgement that I ( the owner of the IRA accounts ) legitimently requested the transfer. The Ally Bank representative agreed with me but said the notary public notarization was their procedure. So I reprinted and filled out the Transfer Requests for a second time and had them notarized and signed by a notary public. I called Ally Bank bank to let them know that I uploaded a copy of the new " Transfer Request '' forms to my new bank and that they would send them the new transfer request. It was from this XXXX discussion that I was told that these requests would also be denied because they were uploaded copies and not the original forms. These kind of onerous rules have no place for an online bank who touts the ease of their software to fill an individuals banking needs. At the very least when I was initially informed that my transfer request was denied, I should have been emailed the precise requirements that needed to be performed to submitt successful transfer form. Instead I accidentally stumbled across the requirement that the transfer request forms had to be the original ones. At the most, when I call Ally Bank and successfully answer all the security questions but then still can not direct how my accounts are to be handled goes counter to having an online bank account. This is wrong and in my opinion over kill when the owner of an account can not call Ally directly to direct how their account is to be handled.
|
| 08/04/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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I am writing to bring a serious matter to your attention and request an immediate investigation into the alleged fraudulent practices by Ally Bank.
I have gathered substantial evidence that supports my claim of consumer fraud committed by Ally Bank 's auto financing division. It is deeply concerning that all the customer service agents I have interacted with are based in XXXX and seem indifferent when confronted about their involvement in what appears to be a banking scam.
Whenever I request to speak with a customer representative or supervisor based in the XXXX, I am either abruptly hung up on or redirected to the wrong department. This behavior raises serious doubts about the integrity of Ally Bank 's operations.
To provide you with a specific incident, on Tuesday, XX/XX/XXXX, I accessed my auto page on Ally.com and found that the payoff amount for my XXXX XXXX XXXX, financed by Ally, was {$14000.00}, valid until XX/XX/XXXX. I have attached the proof for your reference. However, to my astonishment, when I checked my Ally.com auto portal on Friday, XX/XX/XXXX ( after mailing the payoff check to Ally Bank via Priority Mail ) the payoff amount had increased to {$14000.00} ( proof attached ). This sudden increase of {$12.00} within a span of less than XXXX hours, despite the original payoff amount being valid until XX/XX/XXXX, is highly suspicious and raises serious concerns.
Upon contacting Ally Bank, I spoke with their representatives in XXXX, who struggled to comprehend XXXX. Shockingly, XXXX separate representatives confirmed that Ally Bank takes its time to process payoff checks, which XXXX take XXXX days, and charges additional fees during this period. This practice is nothing short of pure banking fraud and can not be tolerated. It is our duty to protect innocent consumers from such deceptive practices, especially when they are carried out by a supposedly legitimate banking institution like Ally.
I ask that you to take immediate action to rectify this situation and investigate the alleged fraudulent activities by Ally Bank. Consumers deserve transparency, fairness, and protection from such " legalized scams. '' It is deeply disturbing that a bank of Ally 's stature would engage in such practices behind the backs of its customers.
I kindly request a prompt response to this complaint and a thorough investigation into the matter. You may reach me at XXXX or XXXX to discuss this further. I trust that you will address this issue with the seriousness it deserves and take appropriate action to restore trust in Ally Bank.
Thank you for your attention to this matter.
Sincerely, XXXX XXXX
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| 11/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I have scheduled an appointment with XXXX XXXX in XXXX XXXX XXXX XXXX to get my XXXX XXXX looked at because of possible transmission issues. I called on XX/XX/2022 to get a status update on my vehicle and there was no answer. I called again and there was no answer. I even left voice messages. On XX/XX/2022 I went online and was able to chat with the other XXXX XXXX company to ask if they were open. XXXX, reached out to the XXXX XXXX location to have someone call me back. Someone called back and said that my vehicle was done and that they would test drive it again and call me for final payment and to pick it up. I received my XXXX back on XX/XX/2022. I notice that there was some noise coming from the front and the back of the vehicle and then I called them on XX/XX/2022 to let them know. They ask me to bring the vehicle back on XX/XX/2022. I told them that it sounds like something was loose still and took it back on XX/XX/2022 XXXX XXXX XXXX and got it back the same evening and I was told that they tighten everything up and that the manager said that he would drive the vehicle to XXXX to assure me that it was fixed. Then on XX/XX/2022 while in XXXXXXXX XXXX, I smelled antifreeze, and then it poured out literally so I had to get my insurance company to tow the vehicle to my house and then make an appointment to XXXX XXXX for XX/XX/2022. I then had to get another tow to the XXXX dealership. XXXX also called XXXX to let them know about the leak on XXXX XXXX I had to get my coolant lines repaired that connect to the transmission and asked that they tighten everything up, and asked if they could tell me if the transmission was replaced. They said that they really couldn't tell me that unless they took the shell part off but that there is definitely an issue with the transmission and that they had some questions about what was supposed to be done. He told me that I would more than likely be needing a new one. Upon me picking up my vehicle from XXXX, I stopped past XXXX unannounced and asked for my invoice and for him to show me a copy of the receipt where he was supposed to have purchased a refurbished one he couldn't produce the receipt because he didn't have it, and I asked him to take a picture of my old one and send it to me, and he didn't do that either. I have a recorded conversation about this and I used a voice-activated record for proof. So basically I paid for a service that I was not satisfied with because they ripped me off. I presented the documents to both of the credit card companies and one gave me my money back and XXXX denied it for some reason. I am looking for a full XXXX refund.
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| 03/08/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I had a loan car with Ally on XXXX and I trade in the car for a new car and there were a money that they should refund me since the amount of the car were paid off. So I moved from XXXX XXXX Tx to XXXX Tx and I haven gotten my old mail until a month ago which was XX/XX/XXXX. I found two checks from Ally one of the checks was for the amount of {$840.00} Ch # XXXX and the other for # XXXX Ch # XXXX. Those checks has dated of XXXX, so I sent an El mail to them through the app let them know about the checks and if they could send a new checks with the date updated, and they said I should call because they need more information. I called and one of the representatives who took my call assured me that the checks will be send them during the 7 or 14 days, and he cancelled the old checks. Well the 14 days passed and the checks never arrived. So I call Ally again and other representative told me that I should call next day and the checks will be send them through the night, and I said how they will be sending the checks during the night mail if they couldnt send the checks in 14 days. So I asked him to transfer my call to his supervisor and XXXX con badge # XXXX took my call and she said that the checks can be send them because they are in investigation because they need to know where is the money of that checks, and the investigation will be lasting around 4 weeks to 6 weeks. I really was upset because that looks that they were just telling me lies just to dont call again. So I sent another email thro the app because they said those email goes directly to accounting department, and they just ignored my email. So today XX/XX/XXXX 4 weeks already from my first call I decided to call again to know the updates on the checks and see if they finally have sent the checks, now another representative told me that I have to wait another 4 or 6 weeks because they have to know where the money goes because the money doesnt appear in their accounts, that they can see that the checks have found and still have founds but they have to check where that money went internal to could send me the new checks. I have another car financing with this company and actually I dont know if they are a trusted financial company since they are just keeping that money. I dont know what is the problem with the checks if like I said that money is mine and I have all the right to have it, because the car was paid in full, and they dont have any right to take it. I really appreciate any help that you can give it to me, because like I said this people just are telling me different stories and at the end they will keep the money to them.
|
| 08/10/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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This is related to a claimed a filled before XXXX XXXX XXXX : " I got an auto loan with Ally on a XXXX XXXX XXXX on XX/XX/XXXX. I had an accident on XXXX of XXXX and the car was totaled. My car insurance most of the balance on the car and the GAP insurance paid the rest. For this, the GAP insurance requested ally the balance on the account. Ally provided a " Live Schedule '' ( see document attached XXXX on XX/XX/XXXX where it says that the balance on the account is {$2700.00}. My Gap insurance made a payment for {$2700.00} on XX/XX/XXXX. I did not hear from Ally anymore, and I assume the balance was set. A few months ago, I noticed that I still have a balance on my account for {$130.00}. I tried to contact Ally multiple times requesting an explanation for this, as the GAP insurance paid the total amount last summer. I called multiple time and spent multiple hours on the phone waiting for an explanation, but they always transferred my called to multiple department before hanging up on me. Lately, they have been calling me multiple times, even during weekends ( Mother 's day ) trying to collect the money. At this points it feels as they are harassing me because I have told them to call after XXXX ( CT ) because it will interfere with my job. Also, every time I answer, I have asked them to explain the reason on the balance and they can not provide me XXXX. I am really tired of this situation, especially when it is obvious there is a mistake on their end. The GAP insurance paid the amount requested by them so there should not be a balance. Now, if there is a balance, it means they provided the wrong information. Either way is an error by ALLY. '' Now, I filled out this claim back in XXXX, and during these days Ally kept calling event though I mentioned multiple times there was a claim with the cfpb in process. They even threatened me with reporting and they did. They added a delinquent mark in my report on XX/XX/XXXX, which they did not remove. I found out about this recently when I got an Auto loan denied because of a " past delinquent installment on my report ''.
As you can see in the documents attached, Ally recognized the balance on the account was paid on XXXX XXXX and it closed the account on XX/XX/XXXX of XXXX, but the they never removed the mark of my report, and this had affected negatively. This has cause me a lot of trouble and unnecessary stress, especially because I spent multiple hours on the phone trying to fix this. I even warned them about the claim, but it seems they did not care and they reported me. I tried to fix this again over the phone, but the treatment was the same.
|
| 08/20/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
|
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Web |
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My husband and I have a joint account with Ally Bank. Recently there were unauthorized transactions ( we never lost the debit cards and they are still in our possession ) and we lost about {$1700.00} due to a data leak on the bank 's end. We want Ally bank to return our money immediately.
My husband and I have been Ally bank customers for a long time. We each have a debit card for the joint checking account and we have the Ally bank app in each of our phones, which we use to manage the debit card. We have taken multiple steps on the App to make sure we are securing our account.
1 ) The app has a manage debit card option, which we use to lock the debit cards. We only unlock them when we are at the ATM to get money and then we lock it again immediately. At the time the unauthorized transactions took place, the cards were locked.
2 ) Additionally, the app has a feature where it says when unlocked what kind of transactions are permitted. Using this feature we authorized the card to be used only as an ATM card. However, even with this safety measures from our side, our debit card was charged XXXX times on XX/XX/XXXX ( Thu ) Evening.
3 ) Also we had setup alerts to notify ( text and email ) us with transaction over {$0.00} Our debit cards were charged 7 times on the evening of XX/XX/XXXX. We did get text and email alerts. We immediately called the fraud line by using the automated option we indicated that these are not authorized transactions. The fraud line did not have a live person at the time so we called the Ally bank customer service. The wait was over an hour long ( The customer service agent did communicate to us that they are getting similar calls a lot which is causing the long wait ). The chat option from the bank said the wait time is over 4 hours. In the meantime my husband send an email ( via their website by logging into our Ally bank account ) that these are not authorized transactions and should not be processed. When we finally got to talk to the agent, they told us that they can not dispute the transactions until they formally post in the account ( at the time they said it was pending status, however the available amount in our account was reduced to account for those XXXX transactions about ~ {$1700.00} ). As of today ( XX/XX/XXXX ) those fraudulent transactions have posted in our account. We called them back at least 2 more times and spent additional 3 hours waiting in line for Ally Bank customer service, but we were able to formally dispute those transactions. Ally Bank is still not committing to refund our money and we want them to refund our money immediately.
|
| 03/03/2019 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
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Web |
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Just over three years ago, I purchased a used XXXX XXXX XXXX from XXXX XXXX located in XXXX, AR, which turned out to be over XXXX dollars. The finance officer, at the dealership, completely forged the loan agreement. I told the individual that I had been on XXXX since XX/XX/XXXX and had only {$1300.00} per month, and that I had a home mortgage of {$560.00} dollars. He told me I was getting the best financing available and I would not have to worry about making the payments. It was then he began his bait and switch. Without showing or telling me what the APR, monthly payment, he stepped out of his office, as I waited ; he " flew '' back in and said, " I have an awesome deal for you! '' He hid the top half of the contract with a piece of paper and told me that I would get a {$2600.00} dollar 10-year bumper-to-bumper warranty, a PTFE resin coating for the exterior paint, and XXXX for the interior. He said that it would all be free, provided I signed that agreement. My head was " spinning '' and he sent me out the door with the keys of the vehicle in my hand and the paperwork - or so I thought. When I arrived home, I looked into the packet with the paperwork and the only documentation that was inside was information on XXXX. I called the finance officer, at XXXX XXXX, the next day and asked him where the documentation was and how much I was being charged per month. He told me that he did not know and I should contact Ally Bank. Ally Bank sent me the contract within a few days. I contacted the finance officer at XXXX XXXX and asked him, " Why did you lie to me and why did you do this egregious act? '' He told me, " Hey, that's business. '' I told him that I was going to park the car on his lot and leave the keys there and he replied, " Do what you want, it's your car now. '' I could not afford the {$450.00} dollars per month to keep the vehicle and survive at the same time. The vehicle was repossessed in XX/XX/XXXX and Ally Bank accuses me of a deficiency of over {$8000.00} dollars. Now, I am not an attorney and do not know the laws here in Arkansas so I tried to work with Ally Bank. To no avail, Ally Bank is suing me for deficiency of payment. Ally Bank has hired attorneys in XXXX, AR. They have tried to garnish my XXXX money and now are trying to put a lien on my home.
How could one explain that an honest bank would actually approve a loan of over {$23000.00} dollars when an individual lives below the poverty level and only collects just over {$16000.00} per year on XXXX? Both Ally Bank and XXXX XXXX colluded together as they knew I could not make the payments with this predatory loan.
|
| 04/03/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Web |
Servicemember |
|
Hello, It is hard to actually save money, to not touch it, especially in these times. That said, I have noticed that Ally Bank CONTINUES to cheat me on the interest THEY offer. I've had my online high-interest yielding savings account and their online checking and money market accounts probably since XXXX or XXXX. Way back in XXXX I first noticed that the interest that they say is compounding daily and paid out monthly continues to be short.
How is it that I'm receiving LESS interest even though the interest is supposedly compounding daily AND I'm making deposits that increase my balance by hundreds of dollars?
Case in point : As of XX/XX/XXXX my savings account ( high interest yielding ) which is supposedly accruing XXXX daily in interest and is supposedly compounding daily, was credited with {XXXX} ( .15 daily x 30 days ). Between XXXX & XXXX, I made deposits that increased my balance by more than {$400.00} yet on XX/XX/XXXX my account was credited with only {XXXX} of interest. I made no withdrawals at all this YEAR, and so at no point did my balance decrease, I only made deposits.
I called Ally on 3 different occasions to speak with them about it and I was given 3 different, senseless explanations as to why. The 3rd person I spoke to told me that my XXXX interest payment was reflective of only 28 days of interest, not 30 as was the case with my XXXX interest payment. But when I pointed out to her that my savings account clearly states that it is accruing XXXX daily and that XXXX x 28 days would = XXXX she could NOT explain how I was only credited with {XXXX}.
I've had this same problem with Ally bank back in XXXX and at one point, I had moved my money out of Ally and back to horrible, awful XXXX XXXX! But at some point I decided that even though I was being shorted by Ally, it was still way more interest than XXXX XXXX.
I don't know what to do. As you all know, as it relates to interest compounding, each and every penny counts. Aren't I supposed to see ever increasing interest payments mainly because it's supposed to be compounding DAILY and I've only been depositing increasing my balance? Ally 's high-interest savings account rate has not changed in these past 3 months and it still remains at 0.50 %. I wish there was a way to make them pay me ALL of the interest that they've been shorting me since first opening my accounts.
Thanks for reading all of this and for any help you can provide.
Ally gave me a " case number '' XXXX about this complaint on XX/XX/XXXX. I've heard from no one at Ally since.
Hope you can help make a permanent positive difference, XXXX XXXX
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| 06/08/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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On XX/XX/2021, my lender ( Ally Bank ) notified me that I was required to take an online course on homeownership from XXXX XXXX XXXX, prior to being able to close on my home purchase ( currently scheduled for XX/XX/2021 ). They claim this is a requirement of XXXX XXXX
Before XXXX would allow me to proceed, I was forced to " opt in '' to allowing XXXX to sell my personal information to advertisers for marketing and other purposes, or else Ally would refuse to close on my loan. This predatory practice was not revealed to me until just three days before closing.
XXXX would not allow me to take the course without providing : my email, mailing address, veteran status, disabilities, current housing situation, date of birth, education, ethnicity, first-time home buyer status, gender, offer status, marital status, other household members, dependents, race, phone number, and family income.
None of this information was required in order to deliver the course to me, nor did it appear the course was customized in any way based on my answers. There is no valid reason for XXXX to collect this highly personal data.
XXXX privacy policy ( XXXX XXXX XXXX ) states : XXXX may use your personal information for particular activities, including, without limitation, [ ... ] marketing and research ; studies, making referrals ; providing product, promotional and other information to you [ ... ]. XXXX may share your personal information and any other information you provide to XXXX with its affiliates, referral partners, counseling agencies, financial service providers ( such as companies providing home mortgages ), lenders, mortgage insurers, Federal, State, and non-profit or other business partners in connection with any of the activities described in this Privacy Policy or otherwise engaged in by you through your use of the Services. In addition, XXXX may share this information with business partners for their marketing and research, and study activities. There is no time limit with respect to when XXXX may share information ; and some sharing may occur after you have obtained a loan or engaged in another kind of housing transaction.
There is no opportunity to opt out of providing this information or to restrict the ways in which it was used. Within less than 12 hours of completing the course, I started receiving unsolicited commercial email ( spam ) from XXXX.
I should be allowed to control how my personal information is used, without the threat of having my loan application canceled. While XXXX probably feels I have opted in to such data collection and sharing, I did not have any real choice.
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| 07/18/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
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Web |
Older American |
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My daughter was recently involved in a car accident, the result of which was her car a XXXX XXXX XXXX has been declared a total loss.
At this point, the leasing company, Ally Financial has unilaterally terminated the lease agreement and has refused to pass the surplus funds that they have received from the counterpart 's insurance company ( XXXX ) to me and therefore illegally profit from my financia troubles. In fact they have received every payment on time and I have offered to pay also the residual 11 monthly lease payments in advance, so that Ally would get all the funds to which it was entitled under the term of the lease agreement. At the same time I would have preserved my right to buy the underlying car for the contractually predetermined amount of {$13000.00}.
Instead Ally has decided to keep also the {$10000.00} surplus, part of the total XXXX settlement of {$27000.00} for themselves, without any other justifications that this is what the clause 39 of the lease agreement is stating, even though this is clearly unfair and I would personally deem illegal.
It is like a mortgage company foreclosing on a house for lets say aXXXX loan sells the house , gets {$150000.00} and just decide to keep it all, without returning the surplus funds to the debtor/owner.
As things are right now, Ally Financial is booking an unjustified extra profit of {$10000.00}, while I had to suffer a loss of the same amount after buying a similar car, a used XXXX XXXX XXXX with 38k miles, versus only 16k miles, at the cost of $ XXXXplus fee instead of {$13000.00} I do understand that the car weas not registered in my name, as it happens in every lease agreement, but it still represent the collateral of the lease agreement and it should be treated in the same way as every other collateral given against a loan, i.e. when the loan has been fully satisfied, the collateral or its residual value is returned to the performing borrower.
I would add the fact that I was the one negotiating the car price on XX/XX/2020 and the one who got a discount of about {$6000.00} on the dealer 's price because of thegood market tim ing and excellent personal credit rating.
I strongly believe that I have the right to get the overflow amount of the collateral that Ally has egoistically decided to keep for itself by appealing to the clause 39a, which should also be scrutinized as fully complying with the consumer law.
I make myself available for any questions or further information you may need to investigate the issue, and I thank you in advance for any help or suggestions that you will provide me in resolving the matter.
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| 02/08/2023 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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On Saturday, XXXX XXXX XXXX XXXX sent a comfort advisor to my home to recommend an HVAC installation. I was quoted XXXX XXXX dollars to install two units. On Sunday, I declined to proceed with the order. My representative was notified by text and email and assured me he would cancel all on his end. I was pre-approved for financing through ALLY Financial. On Tuesday I received documents as attached. I called ALLY on Tuesday morning about my application and was told by then that the allocation was declined on Sunday XXXX and no further action was needed on my part upon as king for a fax number to send rescission documents to. I have attached my phone call and the documents labeled nonnegotiable to this complaint. At approximately XXXX XXXX on Wednesday XX/XX/XXXX, I received an email from ALLy notifying me that they have received my signed agreement and awaiting disbursement to XXXX XXXX. I was told the application was denied and no further processing would continue. The call was made to ALLY ended at XXXX XXXX and lasted for 21 minutes. Further more the documents attached tell me to rescind within three days of the date of notice above. The date is no where on the forms they sent me making it impossible for consumers to rescind. I have attached the response from XXXX rep XXXX told me Ally would be cancelled on his end. It is important that disbursements do not take place. It is important that this item is not included in standard credit reporting as a new tradeline to my credit report damaging my credit. Further this loan should not have been declined it should have been withdrawn. They should not have declined me. It is not a fair decision after sending me an approval by email.
they need to check their records to ensure there is no further processing of this loan. If it hits my credit report it will be damaging. I have contacted my representative to cancel orders the next day. I also contacted ALLY and was told the loan was denied as of XX/XX/XXXX which was the day I cancelled with XXXX
Please help them to facilitate how to handle this accordingly so that my credit is damaged as a result of processing up to the point.
Further I recieved the loan documents on Tuesday with an option to cancel by midnight of the same day by mail or physical delivery an hour and half from my home. If I have three days to rescind they should have emailed it too instead.
XXXX XXXX should not be making requests for any orders because I cancelled installation. The rep cancelled it upon receiving a complaint about his proposal from my by email on Sunday XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 05/22/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Taking out the loan or lease
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Web |
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When I was XXXX year old I wanted to purchase a car. I knew that I was n't going to able to purchase without a co-signer. So, I asked my parents to co-sign but they told me that they could n't co-sign because I was n't financial stable, my credit was not established and I did n't hold a job for more than XXXX weeks at a time. Prior to purchasing the car I had over XXXX jobs between ( XXXX through XXXX of XXXX ). Eventhough, I knew there would be no way somebody would loan me any money to purchase a new vehicle, I still decided to explore on my own one weekend in XXXX XXXX. I ended up at XXXX XXXX XXXX XXXX in XXXX, MO. Where I was greeted by a salesman named XXXX. I test drove a XXXX XXXX XXXX charger and was told that I would n't have no problems getting approved. Well, I was astonished that I actually got Approved to purchase the car. The car loan was for {$25000.00} for 7 years. I traded-in my XXXX XXXX ( my parents ) for {$1000.00}. Prior to getting the news that I was approved I told the loan officer my income/credit situation. Which was this : The year prior ( XXXX ) of purchasing the vehicle I only made {$5600.00}. I bounced around from job to job. No stability whatsoever. XXXX, the year I was approved for the loan my income for the year was only {$10000.00}. But I purchased the car in XXXX of XXXX which was only the first 6 months of that year of making {$10000.00}. I had only been on my job for XXXX weeks. My credit was n't too terribly bad but none the less, my income alone should of raised a RED FLAG!! I had XXXX loan out for XXXX which my parents co-signed to try to establish some credit. That loan was through XXXX. The payments were {$120.00} a month for 18 months. My car payment is {$450.00} for 7 years. With an income of only XXXX the year before and I already had an an installment loan out for {$120.00}. I was baffled as to how I was Approved for this car loan. My life since having this car has been, to say the least, so Stressful trying to keep up with these payments. Which I have n't ... .the car has been reposed once and as of now looking to be reposed again. My parents have helped me out making my car payments numerous times and they will not continue to do so. Because of the economic conditions of the job market, I as still struggling to finding fulltime work with my experience. I am now XXXX year old and my credit has bombed. I should of never been approved for this amount of loan with this high payment with my credit, financial situation back in XXXX. I am so depressed because of this situation and need you to reevaluate my situation and make this right.
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| 03/15/2021 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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My cease-and-desist letter, unrebutted affidavit, and debt validation letter have been ignored by Ally Financial since XX/XX/2021. I will include proof of tracking and a copy of the letters as well. I will submit my complaint here since I am constantly being ignored and harassed to pay something I do not owe. Pursuant to 15 U.S.C. 1692g I am requesting verification of the alleged debt. Ally refuses to cease communication and validate the alleged debt. They also neglected to notify the credit bureaus that I am disputing the debt and it is causing adverse actions. I have received numerous correspondences and threating letters containing obscene and profane language. I have stopped making payment because I am aware that I do not owe the debt. I am requesting the name of the creditor to whom the debt is owed pursuant to 15 U.S.C. 1692g ( 2 ). I am also requesting that Ally Financial provide me with the name and address of the original creditor, if different from the current creditor pursuant to 15 U.S.C. 1692g ( 5 ).
Pursuant to 15 U.S.C. 1692h my directions to Ally Financial is to refund me {$18000.00} in the form of a check mailed to my P.O. Box that they have on file. Ally may not apply payment to any debt which is disputed. I will attach the payment history that Ally Financial provided me with that reflects that amount.
I also request that they release the lien and give me back the title of the car. I sent Ally a recession letter exercising my rights terminating their security interest under the Truth in Lending Act, 15 U.S.C. 1635 to rescind the above referenced consumer credit transaction. I will include the letter along with proof of mailing as evidenced through USPS tracking # XXXX XXXX XXXX XXXX XXXX.
Pursuant to 15 U.S.C. 1692c ( b ) I do not give my direct consent for Ally to communicate with any third party aside from the CFPB to notify me that collection activity has ceased and that the alleged debt is disputed. Also to notify me that a check will be mailed to me for all of the payments I have made towards the alleged debt. I only give my consent to the third party Ally Financial would need to contact to terminate the security interest in my vehicle. That includes the release of the lien that was titled in the State of Ohio.
My rights are being violated pursuant to the Equal Opportunity Act. This is discrimination. Pursuant to 15 U.S.C. 1691 ( a ) ( 3 ), It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction because the applicant has in good faith exercised any right under this chapter.
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| 07/06/2022 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Deposits and withdrawals
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Web |
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I was selling a antique stove for {$8000.00} on XXXX XXXX for my mom who is XXXX XXXX XXXX and a person named XXXX XXXX contacted me to purchase. He sent me a check for {$11000.00} which {$3000.00} was to be sent to movers on XX/XX/XXXX thru my XXXX account, the person receiving the money was named XXXX XXXX and her email address was XXXX later in the evening I received a message from XXXX XXXX letting me know that he wanted to cancel the transaction because his only sister who he was buying the stove for got into a serious car accident and was in the XXXX Ohio emergency room, he gave me the phone number of the hospital which was XXXX and when I called a person answered phone XXXX Ohio emergency room, we gave him the information and he continued to give us Information that if this was a true hospital it wouldnt have been given because of HIPPA.He wanted me to send all the money to pay for a operation that she needed right away. I didnt respond then he sent a picture of a woman lying in a hospital bed so I showed my daughter XXXX who did a reverse picture lookup and the picture was from 3 years ago of a softball coach who was in a car accident. I knew then I was scammed so I called Ally bank fraud department right away to let them know about the check, the person I spoke to said he believes it is money laundering. I called again on Thursday to get more information and I was told that my account will be locked I will not be able to take money out and all the money needs to be paid back to bank and this will be reported to credit bureau. I was very upset about the whole situation so I had given permission a number of times for my daughter XXXX to speak with customer service at one point a person named XXXX accused my daughter of impersonating me she also spoke to another person XXXX who was extremely rude as was XXXX. I have spoken to a number of people from Ally bank who were either nice to me or rude. This whole situation is a nightmare, I am being treated by Ally bank as a thief because of the fraudulent check that I didnt know was fraudulent. I have been with Ally bank for a long time my record is clean I have worked hard all my life and this is how I am treated by Ally. My accounts have been locked I dont have access to any money and I have bills to pay. At one point I called to find out my balance and I was told to stop calling. I filed a police report with the city of XXXX on XX/XX/2022 the incident number is XXXX. Ally bank should back up their customers not treat them like thieves. I have filed a complaint with the Attorney Generals office, FBI and XXXX XXXX XXXX
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| 09/18/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I had initially called in to my auto loan company ( Ally ) to find out if I could decrease my interest rate, not because I wanted to decrease my monthly payment but wanted to pay off my loan sooner. The person I spoke with told me that this was not possible. There had been no communication since. On XX/XX/2018 at XXXX I received an email stating that my automatic payment had been cancelled. I tried logging into the company 's web portal and it informed me that my account had been closed. These were not authorized changes to my account and at no time did I verbally or in writing agree to any changes. When I contacted the company they told me that they had cancelled the automatic payments because I requested to have the loan rewritten to reduce my monthly payment by spreading my payments at the same interest rate over a longer period of time. The company insisted that no other changes were made to my account other than suspending automatic payments. I have the screenshots showing that my account was completely closed proving their lies about what was and what was not changed. Over the weekend the company was operating with an overseas call center and refused to put me in contact with someone who could have had the issue corrected. I have made 100 % of my payments on time. Now, because of the unauthorized changes to my account the company did not take the scheduled payment on time and my account is now past due, through no fault of my own. The way they had closed my account I couldn't even make a payment to my account. I was able to ultimately get escalated to XXXX XXXX at XXXX who guaranteed me that my account was corrected. I have screen shots showing that my account was in a past-due state. i asked her about this and she assured me that I would see the automatic payments start again over night, my payment would be processed and that my account was indeed in good standing. Today, I am now getting collections calls from Ally telling me that I am past due and that they want their money. My account still shows that it is in a past due state. I have literally been trying to pay them and they aren't taking the money. This is putting my account status and my credit score in jeopardy. I am looking for someone to investigate Ally the way they did XXXX XXXX. If this happened to me, it has happened to others. These types of unauthorized changes can not be legal and only benefit Ally. If I didn't read my email I would have been reporting my car was stolen three months from now and then finding out that they repossessed it after making illegal, unauthorized, changes to my account.
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| 05/18/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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I have a DO NOT CALL on my file with Ally Financial. I received a Call from a representative who is assigned to my account. He must have realized afterwards of his mistake their was no message left. I called back spoke to a very pleasant representative named XXXX XXXX I immediately told her I received a call. She advised me it clearly is marked on my account DO NOT CALL. She did n't try to sugar coat it or make any excuses. She apologized for that being done. As she knows this was a clear violation of FAIR DEBT COLLECTION PRACTICE ACT. She asked me if I would like to speak to the representative handling my account. I said yes, he was unfortunately was n't available. So I opted to speak to his supervisor so he would speak to his rep as a coaching opportunity. The call was transferred to his supervisor XXXX. XXXX came on the phone his tone came across as if I was interrupting him from something more important. I began to explain that I was called when I should n't have been. Supervisor XXXX stated very un-professional and not never apologized for this mishap. He stated he would speak to his rep. Wow! Then he went on to discuss my account which there was n't any need to do so since I was just given a 2 month deferral. I told XXXX my XXXX payment is set to come out on XXXX/XXXX/16. XX/XX/XXXX and XX/XX/XXXX payment was deferred. He starred he sees that. There was n't ANY REASON to go over it because I was calling in about your EMPLOYEE! XXXX tried to tell me with the deferral was approved but this will still effect my credit. I told him I know I got a XXXX day for XXXX, And I will have a XXXX for XX/XX/XXXX since my payments are due XX/XX/XXXX. I told him once the payment post my account will be current. XXXX tried to tell me my deferral wo n't be processed until XXXX/XXXX/16 even though my payment is set up to come out on XXXX/XXXX/16. I will get hit with ANOTHER XXXX credit marker on XXXX/XXXX/16 when my deferral will be processed???!?! How is that possible when I just got THIS MONTH XXXX day credit marker TODAY. He told me if I do n't care about my credit then that 's on me. First if all I had a PERFECT account for 20 months..I 'm sorry but my mother almost XXXX XXXX I had to fly back to XXXX. So things/life do happen. Everyone at Ally had been wonderful EXECPT XXXX. It scares me that he is giving out INCORRECT INFORMATION. Especially since Ally just paid out on their class action lawsuit. I believe XXXX was in violation on XXXX XXXX XXXX XXXX! I 'm by LYING about getting hit with another credit marker. How can you get hit with XXXX credit markers in the SAME MONTH.
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| 06/01/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I purchased a XXXX XXXX XXXX with my brother ( co-applicant ) through GMAC in XXXX . We traded the XXXX XXXX in for XXXX XXXX XXXX on XXXX XXXX , XXXX in My name only this time.That being said the XXXX XXXX was paid off through GMAC and the dealership had possession of it. I would n't be able to get another more expensive car had the other car not been paid off..I took possession of my new ca r ( XXXX XXXX ) . Initial ly there were XXXX 30 day lates, XXXX reported on XXXX XXXX and the other in XXXX XXXX . I was advised to dispute it by GMAC because they had different 30 day late dates and was advised sadly this happens and that we would just have to dispute it. I disputed it and they only removed XXXX 30 day late which was the XXXX XXXX . When I called back in I was given a different story all together. I was advised that the final payoff amount that XXXX XXXX XXXX sent in was less than the total payoff amount and that 's why it was reported 30 days late but again I was advised the dates she showed were different. She advised me to have XXXX XXXX of XXXX XXXX , MI to write an at fauIt letter stating they made a mistake with the payoff amount and they would remove the last 30 day late. I called XXXX XXXX and spoke with my XXXX person XXXX XXXX and was advised they did nothing wrong on their part and they refused to write such a letter. I was advised to talk with a XXXX XXXX @ XXXX XXXX who is over him. I called on several occasions and left several voicemail messages for a XXXX XXXX @ XXXX and he has never once returned my calls. No one wants to acknowledge their mistake and correct this, meanwhile we have a 30 day late that is tarnishing our credit reports. We did nothing wrong ... we were never late. The car was paid off and out of our possession on XXXX XXXX , XXXX so how can we have a 30 day late on our credit report for XXXX XXXX & XXXX XXXX and if that was truly the case why did they wait 6 months to report it? That 's why they removed the XXXX XXXX late status because its impossible to have a late payment for a paid off vehicle and they know they were wrong. I 've tried disputing this a total of 5 times but it continues to come back verified and its illegal under the FCRA act to report inaccurate information. Neither GMAC or XXXX XXXX will do anything to help me. I also feel that the credit bureaus are not doing there do diligence and that they are just going by what GMAC 's response was or I really feel like they are n't even investigating the matter.
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| 08/20/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
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On XX/XX/20 After being transferred around between multiple departments at Ally Bank. I finally got a representative in the billing department. I explained that I recently got a new installment loan and set up the payments online. During the online setup I accidentally set up a onetime payment and reoccurring payments for the future months to come. They both pulled at the same time when only one should have pulled for the month of XXXX. I explained the situation and it is clearly noted in my transaction history. I asked for one of the payments to be returned since I honored my monthly obligation via the loan contract. The representative attempted to provide me an alternative that was not conducive to my financial situation. She explained that she could just apply the extra payment for XXXX. I let her know I just wanted it to be refunded to my account. The representative stated since I did not got through my bank that it could take up to 7-10 days for it to be investigated. I was not sure exactly what needed to be investigated if the transaction history clearly shows a double payment. I finally spoke with XXXX ( XXXX ) supervisor of the payments and billing area. This supervisor told me that the payment can not be returned because I have an outstanding balance. I explained to her that I honored my loan contract, I have not gone into delinquency. I advised her that this is an unfair, deceptive act, and practice. She replied back that I am wrong that its only unfair if it was based on my race, ethnicity or gender. Instead of arguing with her I asked her to send me an email as to why she can not refund my payment, she stated that she can not do that and that she will escalate my request to be investigated.
Thankfully I am not in financial distress and this has not caused me any fees, but I can not imagine the other customers they have that are in a bad situation. This practice should be thoroughly investigated especially in these unprecedented times. The reason we take out loans is so that we can make affordable payments towards them. If we are making our payments and accidentally apply more it should be returned back if requested. In this situation the consumer ( myself ) was punished for making a extra payment and not going through my financial institution to have it refunded, when they were not the originating bank.
Ally Bank also makes it very difficult to contact them electronically. It seems as if its to conceal the consumer from having evidence of their unfair, deceptive, acts and practices.
XXXX did provide me an investigation confirmation number : XXXX
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| 04/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX Ally Financial XXXX XXXX XXXX XXXX MN XXXX Re : Acct # XXXX Dear Madam/Sir, I am writing to you today regarding my account # XXXX. The purpose of my correspondence is to see if you would be willing to make a " goodwill '' adjustment on the reporting of this account to the three credit agencies.
During the time period this account was established I was very happy with the service. I was however not the ideal customer and made mistakes with my handling of the account. I should have done better with keeping my account in good standard, I take full responsibility. I became aware of the unpaid balance when I got a copy of my credit report inXX/XX/XXXX.
I know that payment was my responsibility and I am not attempting to justify this breach of my user agreement. I was however hoping you might review the circumstances under which this non-payment occurred and consider removing the negative trade line associated with this account from my three credit reports.
In the first seventeen months, my monthly payments never delinquent more than 30 days. However, after my husband was XXXX XXXX XXXX and was unable to work our family suffered financial hardships and my bills became overdue. This caused my account to be delinquent from XX/XX/XXXX.
As soon as my financial situation became better, I worked very hard to get my account up to date. Per my credit report, I have not gone pass 30 days of being delinquent on this account. In addition, I am also working very hard to pay off all late fees.
I provide this not to justify why the account was unpaid, but rather to show that the issue with ( Ally Financial ) is not a good indicator of my actual credit worthiness. I hope that ( Ally Financial ) is willing to work with me on erasing this mark from my credit reports.
I would like to stress the fact the information currently being reported is accurate. I am simply asking ( Ally Financial ) for a courtesy gesture of goodwill in having the credit bureaus remove this account from my report. I do recognize that this request is unique and that it may not be your normal policy. Please consider that the Fair Credit Reporting Act does not demand that all accounts be reported, only that any account that is reported be reported accurately. Therefore, a company does have legal discretion and permission to remove any account it chooses from the credit report. I'm hoping you will do that in my case for this account.
Your kind consideration in this matter is greatly appreciated.
Regards, Your Signature XXXX XXXX
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| 11/03/2017 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
Servicemember |
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XXXX XXXX, XXXX Dear FTC, Many months ago my lease with Ally Financial was coming to an end. I had never been late or missed a payment. And when they sent me my ending the lease package I examined it and read it carefully. They had a little circular piece of cardboard showing the size of damage for which they would not charge. I was supposed to hold this cardboard over the ding and if I could not see it there would be no damage charge.
When I turned my car in to the dealership and leased my new car there was only one small ding which was of concern. I held the circular piece of cardboard over the ding and did not see it, thus there would be no charge.
When my final bill came it had some personal property tax, and two different areas of damage. The one was described above which fell into the companies own consideration of what would not be charged for and the other damage was something I was not aware of as it was not there when my car was inspected at the dealer, it must have happened during delivery or at the auction, which happens all the time.
When I called Ally they insisted it was all legitimate and I owed the money. I accessed pictures they took which showed the small ding I described above. The other damage was something that was not on the car when I dropped it off at the dealer and in the picture you can hardly see anything. Neither picture was clear enough to see anything substantial. I challenged the damage and they called me back stating I owed it. Then I started to receive phone call after phone call. Every day and night and weekends. I received one call at XXXX on a Saturday morning and one at XXXX on a Sunday night. Both legal but definitely harassment although legal. I explained my position and the company continued to harass me.
I then sent a check for the personal property tax owed noting in the memo section PAID IN FULL FOR ACCOUNT NUMBER # # # # # # # and they cashed it. This is a written contract and they accepted it by cashing the check. Still after, they continued to call and harass me and now this week they sent this to a collection agency.
This account has been PAID IN FULL proven by their acceptance of my check which stated the same, and also there was no damage I was supposed to pay per their own policies and procedures.
Now they are threatening to ruin mine and my wifes credit. I intend to proceed with a law suit to get this remedied if this complaint does not handle everything.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC. XXXX XXXX XXXX XXXX PS. For XXXX XXXXXXXX XXXX I challenge the validity of this debt per the FDCPA.
|
| 06/09/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
My mother established a joint account with me with GMAC which is now Ally Demand Notes and XXXX in XXXX. My mother died three years ago and I sent Ally a certified copy of her death certificate. I also made deposits and withdrawals from time to time. On XXXX XXXX, 2016, I contact Ally and asked that the account be closed and the funds sent to me. I had been receiving monthly statements on this account for years to my home address in XXXX, Michigan entitled XXXX, XXXX. A check for over {$XXXX} was apparently made out, but made out with my mother as joint payee and then mailed to my mother 's old address in XXXX, Michigan. That residence had been sold and the new owners are " snowbirds '' who close up the house in the winter months and have their mail held at the XXXX post office. I never got the check and evern if I had received it, I could not cash it because a dead person 's name is on it as payee. I started this process by telephoning Ally and speaking with a XXXX XXXX on XXXX XXXX and XXXX around XXXX XXXX, I recevied a notice of confirmation of changes which I did not uderstand so I called and Ally assured me that everything was all right and the check had been mailed. I called around XXXX XXXX when I had not received the check and the Ally clerk then told me 1 ) they had my mother 's death certificate on file 2 ) the check had been mailed to XXXX and 3 ) my mother 's name is on the check! For months, if not years, the monthly Ally statements had been mailed to my address in XXXX! I wrote to Ally on XXXX XXXX, telephone them on XXXX XXXX and on XXXX XXXX, sent another letter on XXXX XXXX. Ally responded with sending me an affidavit to sign which I swore I had not cashed the check but on closer examination, the " affidavit '' was actually an indemnification agreement where I agreed to be liable if someone else cashed the check. I would not sign the Ally affidavit but I drafted my own affidavit and swore I had not cashed the check, did not know its whereabouts, the exact amount, or the check number. I received zero response from Ally. I sent my counter-affidavit on XXXX XXXX, 2016. I sent my next letter on XXXX XXXX, 2016, reviewing all the above information to refresh Ally 's memory and warning Ally that I would contact CFPB if Ally did not resolve this problem. Here it is a month later and I have heard nothing from Ally. I figure the XXXX check has probably expired by now and Ally could easily determine whether it has been cashed or not. It should not take over fourth months to complete a simple transaction. I hope you can investigate and get me my money.
|
| 08/03/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
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On XX/XX/XXXX I received an email from Ally letting me know that my accounts were being restricted and to call them. I did thinking this could be a scam. turns out that they were freezing all my accounts and I could not acces them at all.
Back in XXXX a friend XXXX me {$620.00} to pay for an XXXX house for our vacation in XXXX. Later in XXXX that same friend realized that someone had hacked her zelle account and made some transaction. She called her bank, XXXX XXXX XXXX and reported the specific transactions as fraudulent. This transactions where all made in the month of XXXX. She specifically told XXXX that my transaction was ok.
XXXX ignored that and called my bank, Ally Bank and reported the fraud case.
At that point Ally Bank froze my accounts. I had to call twice since the first person would not give me any information at all. When I talked to their specialists on my second call I provided all the information on the transaction and confirmed the name of my friend and Ally Bank said that should do it and should take 1-3 business days to clear it. After that time I realized my accounts were still frozen so called ally again and this time they just said they could not do anything and that it could take 30 - 90 days for the investigation.
I asked what they needed and if they had done any work on it, the answer was that they could not tell me anything. The next time I called a coupel of days later a representative pretty much said that when I open an account with them I agreed that they could freeze all of them if they deemed necessary and that they were not responsible for any impacts on my end.
I again asked what they needed and he said that the burden fell on me to prove that I didn't do anything wrong. I had to provide them with a letter from XXXX and contacts and have XXXX call them and provide them a case number and that even then, they could still take all that time.
I had my friend called XXXX and they provided a case number but they also were not helpful and didn't want to own up to their mistake. We have been playing this game for 2 weeks.
I don't understand why they didn't just freeze the amount that was reported fraudulent instead of all my accounts. When i asked to speak to a manager, I was sent to a voicemail and nobody has called me back.
They did not have a problem allowing my paycheck to come into the account, even thought they wont let me even look at my accounts. This doesnt feel like is in the best interest of the customer and they are not doing anything to help clear this up even after I provided a ton of information for them.
|
| 12/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
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|
REMOVE INQUIRY LETTER OF DELETION NOT PROVIDED ACCOUNTS DONT EXIST!!
XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX | XXXX ( XXXX ) XXXX | XXXX Last four of my SS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX Disputed by Consumer.
Investigation of Fraudulent Hard Inquiry on XX/XX/XXXX Dear XXXX XXXX XXXX XXXX XXXX, TX Disputed by Consumer. 1-5 days My address is listed above. Respond by Mail only and provide a copy of credit report along with results of investigation.
( Ally Financial ) Hard Inquiry. On Report number XXXX Reason : On my credit report I went to Off Lease Only and was told specifically that one one hard inquiry would be on my credit report. However there are multiple inaccurate reports of credit pulled that I didnt authorize. I reached out to The legal department of Off Lease Only and they will investigate because that should have never happened. Therefore this is a result of fraud and miscommunication. I filed a FTC report today. Listing the negligence on XXXX company for not fixing these when I had an agent on the phone. The burden of proof is not belong to me. Im the Consumer who is suffering because of your negligence..
You are supposed to investigate and report back to me ONLY BY mail correspondence the results of your finding. Tell me how can you do an investigation and verify it is accurate. Did you get a copy of my signed verification that I wanted Ally Financial to provide me a car loan?. How do you verify through email. Can you provide to me your source so I can also dispute with them as well? ARE YOU FAMILIAR WITH SOMETHING CALLED 15 USC sec 1681i ( a )? I heard that if you can not provide proof these accounts must be deleted. Well I want these 2 accounts deleted if they are not 100 % right and correct. So could you please check on these and get back to me?
On XXXX of XXXX. I spoke with your fraud department who told me it was my responsibility to contact each company that has pulled my credit file. I did contact directly Ally Financial and asked if they will remove the negative item and inquiry from my credit report by letter or by phone.
Ally Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX. I called them 5 times XXXX XXXX XXXX. They said NO ACCOUNT FOUND? They can not write me a letter of deletion since they dont even know who I am?
Awaiting your prompt response FTC report number included with this letter. Try not to lose it like you did the last one I sent you certified mail. Unable to obtain a Deletion Letter from Ally Financial No Account found via My social security number.
Sincerely XXXX XXXX XXXX XXXX
|
| 09/01/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
Over the past 2 years I have experienced multiple instances of fraud on my account and consistently receive differing stories on how to resolve the issues.
XXXX I received a text message and call from Ally Bank 's phone number ( the number that matches the back of my card ) to confirm if I had authorized a set of recent transactions, I had not so I followed the automated system to press 1 to speak to a representative. At one point the call is disconnected. I call Ally Bank back, they have no record of the transaction and indicate it was a fraudster calling. They then get me over to the fraud group and we put my XXXX payments on hold as someone was trying to send money to themselves. They then get me setup on a new card, cancelled my old one, and advise I should call Ally Bank directly next time I have any issues. They assume me that no valid XXXX transactions will be impacted by this.
XXXX I was sent an incoming XXXX transaction that was declined with no notification to me or the sender.
XXXX called Ally and they not only told me there was no issue, but then discovered there was a hold which they refused to remove and wouldn't give me a timeframe.
XXXX The hold was successfully removed. Now, during this process outside of calling no actions were required on my end.
XXXX More fraud on my accounts, my debit card is closed and they are resending me another card. Never had to do anything but speak with Ally over the phone.
XXXX I get a text asking if I authorized a transaction, to which I reply " No. '' This prompted a call from Ally bank which I disconnected given my previous encounter. I then called the bank back and they said " The fastest way to resolve would have been to accept the incoming call. '' Then proceed to tell me that they will send me a new card but I have to wait until the fraudulent transactions post then dispute them myself. I have NEVER had to do that, not ever. Then I asked to speak with a supervisor who said she has been with the company 10 years and it's always been in the deposit agreement, yet again earlier this year when I had this happen I didn't have to file any disputes.
I do not feel Ally is doing what they can to protect or educate customers, this is the 3rd time in a year that my card has had fraud, I've never had this many issues with a bank before and it has only began being an issue in the past 2 years or so. Their customer service isn't educated on what actually will happen or the processes, they don't provide accurate information, and I am entirely dissatisfied with their approach to protecting customers.
|
| 04/13/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American, Servicemember |
|
XX/XX/2022 - We deposited an {$18000.00} personal check and a {$920.00} XXXX XXXX XXXX check into our joint checking account. The deposit was held pursuant the three-day restriction stated by ALLY bank.
XX/XX/2022 - We made a {$300.00} XXXX payment and were subsequently notified that the payment wasn't received, wherein it was cancelled and a replacement payment of {$300.00} was made on XX/XX/2022 to replace the original transaction.
XX/XX/2022 - We receive notice that the {$18000.00} was available, and we ordered a wire transfer for {$17000.00} to pay court awarded attorney fees. Informed that this would take two days.
XX/XX/2022 - Received an email of a banking PIN change, which I attempted to respond to only to be locked out of our joint account and my Social Security direct deposit. Subsequently, contacted by ALLY Fraud security interrogating me as to the deposit of the {$18000.00}, requesting proof that the wire was being directed to attorney 's fees and questioning the XXXX payments of {$300.00}. Despite providing this data contemporaneously, ALLY continued to block access to our joint account and my Social Security direct deposit.
XX/XX/2022 - I was directed to contact ALLY due to suspicious activity they had detected on XX/XX/2022 and they locked all my accounts and refused to release my Social Security direct deposit.
XX/XX/2022 - My wife was contacted by ALLY fraud prevention demanding personal contact data as to the individual that had issued the {$18000.00} check despite having his banking data in hand before agreeing to release our accounts. The party that had issued us the {$18000.00} check reported that ALLY had contacted him by phone requesting not merely if he had issued the funds but inquired as to the nature of why the funds were issued.
XX/XX/2022 - ALLY finally released the holds on the account and issued the wire transfer and we were able to gain access to our joint account and my Social Security direct deposit. ALLY was notified on the call from Fraud Prevention that we would be filing a report with the CFPB regarding the matter and notify Social Security of the restrictions it had posed upon my retirement benefits.
XX/XX/2022 - ALLY Customer Service issues a statement acknowledging their unsatisfactory service while misconstruing the facts as supported by the correspondence evidence in email and facsimile formats. No explanation and exception were at any time provided regarding ALLY 's restriction to my unmingled Social Security direct deposit funds, which is a violation of law and SSA and US Treasury Regulations.
|
| 11/17/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
- Foreclosure
|
|
Web |
|
|
Back in XXXX, we filed bk XXXX and were XXXX in XXXX. We thought that the second mortgage was removed because ever since the bk was XXXX, we never received any statements or any correspondence from the XXXX. Until after we thought of selling our home, that was when we found out that we had XXXX liens against our property. The broker could not locate the mortgage company at that time. I had to do my research to find out what the mortgage company was. It took me a long time to know that XXXX was sold to Ally Bank. When I reached out to them, they told me that we owed $ XXXX because it accrued interest for almost XXXX years. They mentioned that we were delinquent for over XXXX months The original loan was $ XXXX. That was the only time they started sending me correspondence about our loan. We find it unfair that they never sent us anything before for that many years ( 20 years ), and now they're saying that we owed this much. We could have done something about it before had they sent us some type of statement but they never did. They mentioned that it can go to foreclosure. I had tried to reach out to Ally Bank to request a resolution and applied for a loan modification so that it wouldn't go to foreclosure. Since XX/XX/XXXX, I have been trying to communicate with them and ask for help. I sent them the application for modification and all the required docs many many times but they tend to give their customers the run-around. I have sent them all the needed docs via fax, via email, and mailed them as well. I always had to resent the application and resent the required docs. It was very frustrating to hear that they always was missing docs when every piece of document we sent over and over again. We were trying to do our part but they seem to not do theirs. We feel that they are doing the run-around so that they can foreclose my property. It has been over a year and XXXX that we have been trying to work with them but they aren't willing to help us. The balance keeps growing and It's unjust that they aren't fulfilling their responsibilities even though we are doing our best. All the calls are recorded supposedly. I have proof of emails from way back. I would like to ask for your assistance. Now that they know that the property has equity, they send us correspondence and even try to scare us that they can foreclose it. This lien has been dormant for almost 20 years. I believe it is just right that they remove this lien from the title. I can send all the proofs of communication if needed.
Your prompt response would be greatly appreciated!
Thank you!
|
| 01/08/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
I have a dispute with Ally Financial over a lease for vehicle that has ended. Ally is demanding payment of {$640.00} because of scratches on a vehicle I returned to the dealership at the end of the lease. The term lease was for three years and XXXX miles. I took very good care of the vehicle throughout the three year term of the lease, and returned it with XXXX miles, XXXX XXXX less than I essentially paid for. Ally Financial is claiming that the XXXX scratches ( mainly on the roof and hood of the car ) amount to " excess wear and tear '' because the XXXX scratches are more than XXXX inches in length.
Ally 's lease is, by its own terms, the entire agreement between myself and Ally. The excess wear and tear provision in the lease is quite specific and detailed. Nowhere within the excess wear and tear provision is there any indication that scratches a certain measurement amount to excess wear and tear.
This is not an argument on a technicality. I reviewed and relied on the lease and its terms before returning the vehicle. I also visited the dealership with the car for assistance in making sure there were no issues with excess wear and tear. The dealership representative told me the car was in excellent condition and that because I was returning the vehicle with less miles than I was allotted ( XXXX less miles ), I was pretty much returning a vehicle with more value than could have been expected.
What Ally is doing is attempting to enforce its unilateral determination - outside of what is described in the lease - of what constitutes " excess wear and tear. '' That unilateral determination is performed outside the presence of the consumer, without the consumer 's knowledge, on terms not agreed to by the consumer. I have no doubt that Ally has collected monies from other consumers under similar circumstances and it is in my view a bully practice.
I have written a letter to Ally and it has not responded. In fact, I have never received any final notice indicating that I owed the amount referenced above. Instead, I was sent a " reminder notice '' of the owed amount, and after I called to confirm this was a mistake, the representative told me I did owe the amount and could not explain why a final notice was not sent to me.
I am concerned about my the amount that Ally claims I owe. I am concerned about this affecting my credit at this point. I am also concerned about this type of bill collecting. I am troubled by Ally 's failure to respond in a reasonable manner. Despite my best efforts to resolve this with Ally, it does not appear to be going anywhere.
|
| 03/15/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
On XX/XX/XXXX I received a notification that my Ally debit card was charged four separate times ; the first merchant XXXX based in FL in the amount of {$190.00} was Debited, the 2nd a Mobile Wallet Update out of XXXX XXXX for {$0.00} which was Declined, a 3rd from XXXX for {$110.00} also Declined, and a 4th transaction by XXXX XXXX XXXX for {$39.00} out of MD which was Debited. ( There was also a record of a purchase we did make for {$44.00} at XXXX in NY where we live and were at the time of these fraudulent debits ). I received this notification via email and text asking if I authorized the transactions above because Ally flagged them as suspicious. I immediately responded, flagging all the transactions including the two that were debited as fraud. My debit card was closed and the transactions were credited to my account by Ally. I called the company ( XXXX ) listed to see what the charges were for ( they had no website ), and the company had no record of any of my informationno account or orders under my Name, Phone Number, Address. The fraudulent company then asks me for my full debit/credit card number to do a more thorough search ( yeah, right ).
THREE months later on XX/XX/XXXX, I receive a letter in the mail stating Ally conducted an investigation and their findings concluded the merchant provided sufficient documentation stating the transaction was authorized and Ally was re-posting the {$190.00} provisional credit and reversing their decision on XX/XX/XXXX ( that same day ). I had since pulled all money out of this account because Ally has yet to send me a new debit card after requesting a new one 3 times and for a whole month after this incident. No new card was ever sent to me ( this is an even longer story ). Because I had virtually no money in that account, my account was drawn into the negative because of this incorrect reversal. I immediately call Ally back to request a copy of the documentation they received and gathered to make this determination. The customer service reps says he isn't able to see " any documentation that shows how the transaction was authorized '' under my dispute number like the letter states. The customer service rep states he needs to escalate this up to his supervisor. I get placed on hold, I then ping pong from department to department, unable to get any further clarity on why the decision was reversed. I also call the fraudulent company again to ask what information they have of mine. They have none and no receipt or confirmation that I made a purchase ( they ask me for my full debit card again ).
|
| 03/13/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
On XXXX, both a checking and savings account were closed at Ally Bank. According to the agent spoken over the phone to on XXXX, 2 separate checks were to be issued, one in the amount of {$8000.00} [ Savings ], another for {$61.00} [ Checking ]. A representative in charge of closing the account contacted me on XXXX and stated the accounts were officially closed and two checks were processed and sent out on said date. They implied that it would take from 5-10 business days to receive the checks. A few days later I went online to check the status of the checks since a virtual copy of the checks was made available online for record keeping. I noticed the statements had the correct mailing address on them, except the city was incorrect [ made out to XXXX, but it should have been XXXX ]. I called an agent to resolve the issue, they did notice the city was incorrect and stated that nothing could be done at the moment since the checks were sent out. They made a note on the account about it and advised me to call back a week later and check with them to see if the checks were sent back due to being undeliverable. I called as advised, spoke with an agent about the matter, but now the online statements for the checks made out on XXXX with the wrong city have mysteriously disappeared online and replaced with checks made out on XXXX with the correct city. The agent said that the checks were sent to the right address, but acknowledged that the city was wrong, yet again, but did not want to get into the old statements dated from XXXX mysteriously disappearing and being replaced. Now they have asked me to fill out some forms for lost checks and have them notarized. I have to pay for notarization on behalf of Ally Bank for a mistake they committed for not being diligent enough to set up the address with the correct city. This entire ordeal will cost me approximately {$25.00} to have all this paperwork notarized and sent out. It is not fair for me to have to pay for a mistake Ally Bank made. They should be held accountable and reissue the checks. Now, something that should have taken 5-10 business days to complete is now close to a month. This is completely unacceptable. I am sensing very shady business practices with this entire ordeal. Statements disappearing makes me raise an eyebrow. They are covering their tracks and making customers pay for mistakes they have done. They were fast to take my money when I opened the account, but now they are taking their time returning it to me. They are making me jumps through hoops and all sorts of nonsense. Unacceptable!
|
| 10/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX and the vehicle was financed by Ally financial. The vehicle was used and had XXXX miles on it at the time of purchase. I purchased a extended warranty on it for my protection. The vehicle has twin turbos in it and I only had the vehicle for one year when I began having several problems with it. First the left turbo failed which cause oil and coolant to soak up on my spark plugs which caused white smoke coming out of tail pipe. I sent vehicle to XXXX XXXX XXXX XXXX XXXX and they claimed to have fixed it. I paid out {$860.00}. Then not even two months later the same turbo goes out and along with the right side. Among other issues mechanicaly with the vehicle. The first service department told me that the turbos where in back order this was XXXX of XXXX. It is now XXXX of XXXX and the vehicle has been at the first service all this time. I have contacted ally financial several times to inform them of the vehicle problems and what options I have being that I have XXXX children and needed a vehicle to get back and forth to work and get children to school. They just referred me to the dealership which couldn't do anything for me because my credit was already low.. so I had to get money from my husband to purchase another vehicle which he got me as a XXXX gift from XXXX . I contacted Ally financial to inform them I couldn't pay for the vehicle and inform them where the vehicle was several times so they could go get it. They never picked it up and are now suing me stating that I'm withholding location of vehicle and suing me for the whole amount financed which is {$25000.00}. I need to file bankruptcy because I have no job and a lot of other debt totalling over XXXX dollars in unsecured debt. Ally financial has went to great extent to collect their property by sending several people to follow my family and I literally everywhere I go whether it be to graveyard to visit my grandmother, to hospital for my son and husband suffering from a XXXX XXXX, to grocery store etc. They park across the street from my house and wait for me to leave 24/7 I have taken video as well as pictures of all vehicles showing them tail me everywhere I go... it has caused me extreme stress and. XXXX because of invasion of my privacy and my families. Their drivers have even went as far as to jump in front of me on freeway and slam on break to try and cause me to crash, they have sped up past me and look at me with crazy facial expressions and even make hand gestures to me ..I don't know what else to do and fear for my safety
|
| 01/08/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
Ally Bank has not paid me a promised {$200.00} bonus for which I qualified, so I am asking CFPB for assistance.
In XXXX XXXXXXXX, Ally Bank offered a bonus of {$200.00} using the promo code XXXX for opening and funding a new SPENDING ACCOUNT.
As I previously had a savings account with Ally, I called its customer service to confirm if I would be eligible for this bonus offer. I had never before had a spending account with Ally. A customer service agent confirmed that I would indeed be eligible for the {$200.00} spending bonus and encouraged me to sign up for the offer, which I did on XX/XX/XXXX.
I changed my direct deposit to Ally Bank and deposited more than the required {$1500.00} direct deposit ( {$1700.00} on XX/XX/XXXX ) well within 90 days from the time I opened the account, per the requirements of the bonus offer. The bonus of {$200.00} should have posted to my account within 30 days of that direct deposit, or by XX/XX/XXXX, but it never appeared.
On XX/XX/XXXX, I called Ally Bank and spoke to a customer service agent named XXXX about this issue. It became clear from this conversation that either Ally customer service agents are not well trained about this offer or are intentionally evasive in order to get customers to give up what is owed to them. First, XXXX claimed my account was not in good standing, which disqualified me for the bonus. This was not true as my account was open with a balance and the account had never been overdrawn. Secondly, XXXX claimed I had to have kept the entire direct deposit in the account to earn the {$200.00} bonus. But the requirements ( see attached ) clearly do not state that, I countered. Thirdly, XXXX said I had previously had a savings account ( since closed ) with Ally, so I was not a new customer. I informed him that the requirements specifically state disqualification for the bonus only if an applicant had a SPENDING ACCOUNT previously, which I had not. He read the conditions of the bonus and agreed I should have received the {$200.00} bonus. He promised to manually escalate my request to a supervisor and that I should receive the {$200.00} within 1-2 business days. It has been three weeks since that conversation, but the {$200.00} bonus has not been credited to my account.
This is clearly a case of bait and switch so that Ally Bank gains more clients and deposits without paying out the bonus they advertised. This is a particularly egregious offense as I am a XXXX XXXX Will you please help me with my complaint to Ally Bank so that my {$200.00} bonus is paid to my account? Thank you.
|
| 11/29/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Repossession
- Notice to repossess
|
|
Web |
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I have been reaching out to Ally Financial for financial hardship while my account was current since XX/XX/XXXX. I had explained my financial situation and been declined any support. I would make phone calls a few times a month and email because I was not getting help. My account had became past due XXXX months, but i was still making partial payments monthly, I was told to keep making my partial payments and to call back and see what support I can get qualified for. Each call I made I was told There was nothing available. But I was advised to keep making as much payment as I can, which I continued to do, I made partial payment all the way through beginning of XX/XX/XXXX, and as I was trying to log in and make another partial payment today XX/XX/XXXX, I was declined to do so I called Ally Financial spoke with 2 different representatives XXXX XXXXXXXX who informed me that I will need to make a payment by XX/XX/XXXX, as my account is in jeopardy of being processed as a repo. I asked for an extension to XX/XX/XXXX, which I was denied, I said what other options do I have, she said the car will just be XXXX, I hung up and then called back and spoke with XXXX XXXX, no extension can be given, I was informed that payment need to be received by XX/XX/XXXX by XXXX XXXX standard time and to call Ally back with a confirmation number once payment is processed through with a money gram. If its after XX/XX/XXXX, my account will be transferred over to a repo list and basically my account is auctioned off to repo companies. I said okay, Ill get it paid by XX/XX/XXXX, but by the end of the night on XX/XX/XXXX, a repo man came and took my vehicle. I explained that I just spoken with the bank this afternoon and I was told that if I did not pay my past due by XX/XX/XXXX then my car will be placed in repo but my car is not on the list to be repossessed. He said ally released my account to repo companies. He also said Ally Financial Bank is known to do this With their consumers, they tell the customer something else but release account to repo companies, and that hes repo a lot of cars from Ally Financial Bank. How is it that I continue to reach out every single month, Sometimes 3/4 times a month and Ally stated on their recorded line that I had until the end of XX/XX/XXXX to make a payment of {$940.00} before my account gets auctioned off to repo companies and then the same night my car is repo? XXXX also stated that by XX/XX/XXXX, there maybe a possibility of my account being released to repo companies. But my account was auctioned off XX/XX/XXXX to repo.
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| 01/25/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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Consumer Financial Protection Bureau Ally bank made a mistake on my mortgage loan. I proved it to them. They eventually admitted it. However, they seem to refuse to resolve the problem.
I had a new construction built for me with a construction loan. When the house was near completion, I chose Ally Bank to refinance the loan as my permanent lender. They mistakenly processed my loan as a secondary residence when in reality it was my primary residence. I noticed the mistake early in the process. They said they would fix it. But they continued to process the loan incorrectly as a secondary residence.
The major timeline of events are as follows : - In an email dated XXXX XXXX, my loan coordinator XXXX XXXX informed me that my disclosures were ready for me to review. I noticed that the pre-filled application marked my home as a secondary residence.
- In an email dated XXXX XXXX, I informed XXXX XXXX about the mistake and that it should be marked as a primary residence. In an email dated XXXX XXXX, XXXX XXXX said that the loan would be for a primary residence.
- At the closing of my new house on XXXX XXXX, the closer noticed that the paperwork still had my home marked as a secondary residence. She advised that we continue with the loan anyway and that I should bring the mistake to Allys attention afterwards. After closing, I immediately phoned my loan coordinator XXXX XXXX and told him the situation.
- Ally stated that the only way to change the status of my home to a primary residence would be through a refinance. In an email dated XXXX XXXX, XXXX XXXX, the person XXXX XXXX forwarded me to, said that interest rates had gone up and that he might be able to cover some of the costs but not all.
- After they ceased communication with me, I threatened to report the incident to the Consumer Financial Protection Bureau. XXXX XXXX contacted me soon after, finally admitting to the mistake. He tried to convince me that there would be no adverse affects to leaving the loan unchanged. I did not like this option.
- On XXXX XXXX, XXXX XXXX called me and left a voicemail. After apologizing and acknowledging that it was Allys mistake, she told me that she had the ability to change the residency without refinancing. I attempted to call her multiple times and left voicemails. Her voicemail to me on XXXX XXXX is the last communication Ally has made with me.
Attachments : - Email showing that I noticed the mistake early and asked them to fix it.
- Email showing that they would fix it.
- Voicemail admitting their mistake and how they would fix it.
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| 02/25/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
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|
Web |
Servicemember |
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In XX/XX/XXXX, I purchased a vehicle that was financed through Ally Financial. My first car payment was due at the end of XXXX. When my car payment was due the government shutdown occurred and I was without pay until XX/XX/XXXX. I immediately contacted Ally Financial to let them know I could not make my car payment. They were SO understanding and offered a 90-day payment deferment until XX/XX/XXXX. I felt so relieved! They only explained to me that my payment was deferred and my payment would have a new due date. When the new due date approached I checked my account and found out the car loan was WELL beyond what the loan was. They charged me 20 % interest every single day that I was unable to make the payment due to the shutdown. They made it seem like they were helping me. The loan amount originally came to slightly over {$20000.00}. To date, I have paid them over {$3500.00}. In XX/XX/XXXX, the vehicle was totaled in a car accident. My insurance company paid Ally Financial {$19000.00}. My gap insurance paid Ally Financial {$410.00}. To this day, Ally Financial is reporting that I still owe them {$1700.00} because they charged me unknown fees when my vehicle was paid off. They are demanding I continue making {$500.00} payments and even harassing me at my work to get payment from me. They have received well over what my loan was worth. They are being completely unwavering and unwilling to settle this debt. I think it is unfair and unjust that they are collecting profit from a situation I had absolutely no control over. They offered a solution by deferring the payment only to cause me a hefty price to pay for it. I really need some help to resolve this matter because no one in Ally Financial sees how unfair it is that they are coming after me for a debt I do not owe. They are reporting me as late and have been reporting me as late on my credit report since the vehicle was totaled because I did not make a payment knowing the car was totaled and insurance was going to give them close to what the loan was worth. I thought that would take car of the amount owed and the debt would be paid but they still came up with a way to try to force more money out of me. I work for a federal agency and they are harassing me on my work government phone line as well. I have attached the gap insurance findings. As you can see, the balance when the car was totaled was less than $ 20k. They were paid out for the car but they are still reporting that I owe {$1700.00} and they are calling and emailing me to collect a {$490.00} payment from me. Please help.
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| 03/14/2019 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Funds not handled or disbursed as instructed
|
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Web |
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On XX/XX/2019 Ally Bank closed my online savings account and without my authorization withdrew {$39000.00} from my account. I was notified that my account was closed when I tried to transfer funds into another Bank Account and that Bank advised me that my Ally Bank Account was closed. I went online and viewed my account and discovered that there was a withdrawal of {$29000.00} posted on XX/XX/2019. I called Ally Bank and was told that the account was closed and they would mail a check to me for {$29000.00}. I advised Ally Bank that I did not want a check with that large of an amount mailed to me and that I would want that either the account be reopened and the money deposited back into the account or for the money to be transferred to my other bank. I was advised that the representative would " send a message to do that for me. '' I did not hear anything and called back and spoke to a Supervisor, who would only identify himself as XXXX. He advised me that since I did not authorize the withdrawal he would send a message to the " Executive Resolution Office '' and they would possibly reopen the account and stop the check from being mailed. XXXX advised that I would hear from the " Executive Resolution Office '' Not hearing from the " Executive Resolution Office '' I called back on XX/XX/2019 and spoke to a Supervisor who would only identify himself as XXXX. I advised XXXX that I wanted to speak directly to someone in the " Executive Resolution Office '' XXXX advised that he tried to contact them to ask if they would speak to me, but he could not get anyone to answer his call. XXXX advised me that the check was already mailed.
It should be noted that on XX/XX/2019 I called Ally Bank and spoke to a representative and advised him that I was going to transfer the funds in my account to another bank. I advised him that when I transferred all the funds out of the account I would then close the account. I advised him that the reason I was calling was to find out what would happen to any interest that would be due me on the account once I closed it. He advised that they could mail it to me. I stated that " they could mail the interest to me because it would be a small amount. '' I never authorized the withdrawal of the {$29000.00} and for that amount to me sent to me by mail.
These funds were to be a gift to my daughter for a home closing and that is why they were being transferred to another account. By mailing the check this has delayed my ability to give my daughter the funds in time for her closing which has caused a major problem.
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| 02/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Problem getting your free annual credit report
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Web |
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Hello, I recently leased a car with a 1 time cash payment made up-front. My financing was put through Ally.
About four weeks into the lease - on XX/XX/2020 - Ally sends me a note saying they have chosen to reject the application for financing given information contained in my credit report. They did say they've made an offer to the dealer to adjust the terms / re-send and that I'm being notified as it's my right to see what is in my credit history.
Two scores were listed in the notice - XXXX had me listed at XXXX which is roughly in line with my monthly credit scores I receive from 2 banks ( XXXX & XXXX XXXX XXXX - always somewhere between XXXX-XXXX ). XXXX - who I've never heard of - had me instead listed at XXXX which seems way off of any score I've ever seen having watched these for ~4 years now.
Further, the only reasons given for this low score are - Limited History for consumer at this address [ As if I'm a risk given I just moved cross country - all loans and accounts have not been impacted in this move or my prior moves ] Total account balances Too few retail accounts Too few active accounts [ these all seem similar to complaints from other vendors ].
Finally - when I seek out a consumer entitled report from XXXX I am pointed at their website or fax to submit my request. I also require my social security, detailed perosnal info such as birthdate, and my drivers license.
I do not feel comfortable giving this to a company that looks partially like a scam and am not given any other options to send this report to either my current address ( whcih to be fair - is 2 months old ) or one of my previous more permanent addresses - of which the USPS could forward the mail as I have my move on file with them ).
Finally - it seems utterly absurd to me that there is a company out there that seems to be undercutting my credit score via invalid methods. I can understand a 20-50 point swing, but to cause me to not be financed via a score that is >110 points off ( on a loan I paid 100 % in case up front ) seems ridiculous and personally I feel like my consumer rights ( not to mention my right as an American citizen to travel freely in our country having committed no crime or ever failed to meet a financial commitment I've made ) are being impeded.
I've tried to contact the dealer to understand if they received any notice. Ultimately this seems like a shady piece of business from XXXX XXXX and potentially Ally to find cause to tweak their contracts to their benefit by publishing faulty records on their consumers.
Best, XXXX
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| 05/23/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
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Web |
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i contacted Ally Financial to get information on the payoff and release of title once it 's been paid off to be sure that I would not have any issues shipping the Vehicle to XXXX XXXX since I am moving on XXXX XXXX XXXX the vehicle needed to be registered with the port to be ready for Transport on XXXX / XXXX / XXXX . The customer representative assured me there would be no issue because the titles are electronic. I paid the vehicle off and the money left my account on XXXX / XXXX / XXXX . I went to motor vehicle and they advised me I still did not own the vehicle that there was still a lien on it. So i contacted Ally and they decided to then advise me that the lien would be there till XXXX / XXXX / XXXX . That would be a Sunday so I would have to give motor vehicle XXXX to XXXX hrs to be able to give me the title for a vehicle to which they have already been paid. They also had the audacity to tell me I technically did n't own the vehicle even though they received the payoff for this vehicle. So I handed a financial institution over XXXX XXXX dollars and they decide when I will legally own the vehicle which is everything I was trying to avoid seeing as I am in the middle of a large move with XXXX young kids. I may even have to pay to change all the plane tickets then pay extra for the hotel i am staying at and also change the closing date of the home we are purchasing in XXXX XXXX all due t o Ally Financial n ot wanting to release the lean on the vehicle that I paid them. I could have easily voluntarily given them the vehicle and paid for another mini van cash and have no issues but that would have affected my credit negatively, even though this option would have probably cost me less and been less hassle. No matter how many questions are asked, I feel that no one would have told me the exact details just to get their money. No one should have to go through any of this and I feel like if I ever purchase another vehicle in the future this would be a question i would need to ask the bank although I may not get a straight answer. Customer service reps as well as sales agents should be required by law to describe such fine details as to prevent such things from happening and stronger laws should be in place to protect things as such from happening. No matter whom I spoke with at Ally Financial n o one was even willing to show proof of title release or that I even paid the full amount. Not to mention when I log in online it shows I need to make a payment in XXXX , even thought the balance is zero.
|
| 07/08/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
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Web |
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I have exhausted all options on trying to reach someone regarding an extremely heart breaking closure of both my checking ( ending in XXXX ) and savings account ( ending in XXXX ) on XX/XX/XXXX XXXX.I am a single mother in the middle of the pandemic only receiving social security and child support as consistent deposits. I have been a loyal Ally customer for years and not sure why I have been blindsided with this decision. I haven't violated any policies as I was told when speaking to several representatives, however both my checking and savings are closed as well as me being told I can't apply for another account with Ally because they severed their banking relationship with me.
I don't work, have no car and 2 young children. I have been saving that money for a while to get us a home. my CD account with Ally seems to still be open so I am confused as how it's okay to continue to keep my CD in place but sever the relationship with me regarding my checking and savings account. Being on XXXX, all of my bills are paid directly through this account.
The only notice I was given was an email minutes before it was already closed anyway instead of being able to communicate and figure out if there was a real reason why I am not able to no longer bank with Ally. I do not own any businesses nor do I make any business transactions other than actually buying from and purchasing items as any normal mom would.
I am not able to access my money for weeks including using the ATM as I was told an entire check for the amount that was left which is totaling more than {$11000.00} was already sent out originally on XX/XX/2020 ( but wasn't actually reported to have been mailed until XX/XX/2020 ) As it was also the Independence Day holiday weekend, I was not be able to cash or use the money from my account while being in a pandemic with my children. I have been saving for so long to get us a house someday.
I have contacted several representatives from Ally bank who have tired to investigate an actual reason for my account closures and they, as well as supervisors, have stated there is actually no real reason given and no violations I have made. I decided to apply again to open up a checking and savings account with Ally on XX/XX/2020 and was approved for both! Immediately I was told the next day, XX/XX/2020 when inquiring about when my new debit card would arrive, that I am not allowed to be issued a card and that this NEW savings and checking account may be closed as well! This has been a nightmare and I need help for what has happened to me.
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| 12/16/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I had a XXXX lease for XXXX XXXX XXXX. I opted to do a lease buy-out approximately 2 months before the lease end date, with date of sale recorded on title by Ally Financial as XX/XX/XXXX ( for purposes of assignment of title to me, as the new owner ).
The lease was through Ally Financial.
The buy-out was financed through my new financial institution, XXXX XXXX XXXX XXXX XXXX who are the current lienholders.
Ally Financial was very slow in getting me any of the documentation I needed for the refinancing through XXXX. I had to make several calls to Ally, and got transferred numerous times to make it clear that I needed the documentation for XXXX.
On XX/XX/XXXX, I made contact with an Ally Financial person who could provide the documentation to release the title ( was sent by email after I hunted it down ). I promptly filled everything out, and sent across successfully to Ally Financial on XX/XX/XXXX. This included the Bill of Sale, and the Odometer statement. On the odometer statement, I recorded the actual on the day, which was XXXX miles.
I received from XXXX the physical title for my vehicle ( with the previous owner 's and lienholder information ) around XX/XX/XXXX.
The physical title has a glaring error for the odometer : XXXX miles, which was provided by Ally Financial. The first time I saw this error was after XXXX had received the title from Ally, and it got sent to me.
I have tried to no avail to correct this with Ally Financial, but was told by them that it was my fault and they gave me the runaround. THEY ARE LYING. XXXX can not help in this matter. It's up to Ally Financial. I believe that XXXX, XXXX was the capped mileage per my previous XXXX contract, and they just lazily wrote that in. They apparently ignored the odometer statement that I dutifully provided them. Now, my car 's value has lost several thousand dollars in today 's market because Ally Financial willfully put the wrong information on my physical title. They were also delayed in providing XXXX with documentation that I needed to file at my local DMV. I went to the DMV today ( XX/XX/XXXX - first appointment I could get over the past few weeks ), and was told that I needed to pay fines in excess of {$100.00} because of the time lapsed between the Date of Sale ( XXXX ) and filing.. My DMVXXXX XXXX XXXX XXXX only allows 30 days to lapse. This is was all out of my control, and not fair. I have tried to petition XXXX to help me, but they are not able, and say it's all Ally 's issues, and take it up with them. I am unable to resolve with Ally.
|
| 01/08/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
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Ally Bank has not paid me a promised {$200.00} bonus for which I qualified, so I am asking CFPB for assistance.
In XXXX 2023, Ally Bank offered a bonus of {$200.00} using the promo code XXXX for opening and funding a new XXXX ACCOUNT.
As I previously had a XXXX account with Ally, I called its customer service to confirm if I would be eligible for this bonus offer. I had never before had a spending account with Ally. A customer service agent confirmed that I would indeed be eligible for the {$200.00} spending bonus and encouraged me to sign up for the offer, which I did on XX/XX/XXXX.
I changed my direct deposit to Ally Bank and deposited more than the required {$1500.00} direct deposit ( {$1700.00} on XX/XX/XXXX ) well within 90 days from the time I opened the account, per the requirements of the bonus offer. The bonus of {$200.00} should have posted to my account within 30 days of that direct deposit, or by XX/XX/XXXX, but it never appeared.
On XX/XX/XXXX, I called Ally Bank and spoke to a customer service agent named XXXX about this issue. It became clear from this conversation that either Ally customer service agents are not well trained about this offer or are intentionally evasive in order to get customers to give up what is owed to them. First, XXXX claimed my account was not in good standing, which disqualified me for the bonus. This was not true as my account was open with a balance and the account had never been overdrawn. Secondly, XXXX claimed I had to have kept the entire direct deposit in the account to earn the {$200.00} bonus. But the requirements ( see attached ) clearly do not state that, I countered. Thirdly, XXXX said I had previously had a XXXX account ( since closed ) with Ally, so I was not a new customer. I informed him that the requirements specifically state disqualification for the bonus only if an applicant had a XXXX ACCOUNT previously, which I had not. He read the conditions of the bonus and agreed I should have received the {$200.00} bonus. He promised to manually escalate my request to a supervisor and that I should receive the {$200.00} within XXXX business days. It has been XXXX weeks since that conversation, but the {$200.00} bonus has not been credited to my account.
This is clearly a case of bait and switch so that Ally Bank gains more clients and deposits without paying out the bonus they advertised. This is a particularly egregious offense as I am a XXXX XXXX. Will you please help me with my complaint to Ally Bank so that my {$200.00} bonus is paid to my account? Thank you.
|
| 01/30/2016 |
Yes |
- Bank account or service
- Savings account
|
- Making/receiving payments, sending money
|
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Web |
Older American |
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On XXXX XXXX, 2016 at around XXXX, I submitted a Fed money wire of {$18000.00} via XXXX XXXX website to XXXX of my online savings accounts at Ally Bank . I received via the XXXX website a completed wire conformation with the the federal reference number. On Monday, XXXX XXXX, 2016 I contacted Ally Bank since the money was still not in my Ally savings account. The service rep at Ally showed no pending wire transfer activity and also checked with their wire department at my request. They found no activity.
This same day I contacted XXXX and they said their records reflected that the {$18000.00} was delivered to Ally Bank. I then asked and XXXX agreed to arrange a conference call with Ally Bank to try and determine the cause of the problem. We confirmed the that the routing number and account number were correct. We ended the conversation with Ally Bank, since they still showed no money transfer activity from XXXX into my account ( at AllyBank ).
XXXX was very helpful and said they would try and find out what happened and if Ally Bank had rejected the transfer, it would take XXXX days from XXXX XXXX for XXXX to see it. The XXXX management rep said he would pursue it further and would call me in the afternoon of the next day.
The next day XXXX XXXX, 2016, XXXX contacted me and said Ally Bank had in a fact rejected the transfer. I was told that the apparent reason for the rejection stated, unable to apply to account due to incorrect routing number and or account number. We had already confirmed that all the routing and account numbers were correct- so the reason for the rejection was incorrect. That same day XXXX sent another wire of {$18000.00} which was delivered into my account on XXXX XXXX, 2016.
I again called Ally Bank and spoke to another supervisor who took my information and gave me a case # XXXX. He still could n't provide me with why the original transfer had rejected back to XXXX. I also sent an email to Ally bank customer service yesterday ( XXXX XXXX ) and indicted that if I did n't get an answer today, I would write to the CFPB. As of the writing I 've received no reply.
All I want to know as I 've asked Ally Bank repeatedly is what was the actual reason my money wire was rejected and for them to reassure me that It would not happen again. As I mentioned to Ally Bank I had to use money from other sources because the money was not in my account on XXXX XXXX, 2016. Please help get an answer. I 've received no help at all from their customer service or customer disservice in this case. Thank you for your help.
|
| 02/13/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
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Web |
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I applied for a loan modification due to financial hardship from Ally Bank on or around the XX/XX/XXXX and was granted an Extension Agreement over the phone. I was told that I would receive a document to sign in the mail. I received the Extension Agreement document dated XX/XX/XXXX on XX/XX/XXXX and faxed and paid the first installment the next business day XX/XX/XXXX ( within the time Ally Bank stipulated of 10 days from the date of the document ).
On XX/XX/XXXX I contacted Ally Bank to find out if the agreement had been executed and was told that due to banking software upgrades in XX/XX/XXXX that it must have been overlooked. The reason I did not think the agreement was processed was that I got a notice from Ally Bank that my account was past due and my online portal did not reflect the payment schedule on the agreement. I was assured by Ally customer service after they tracked down the signed agreement that they would update my account to reflect the agreement in 2 business days. No updates were made and I continued to receive notices from Ally Bank for payment.
On XX/XX/XXXX I contacted Ally Bank again three times because there was still no change on my account reflecting the Extension Agreement. I was on the phone for almost an hour and was hung up on 2 times by Allys customer service with no call back from them. On the 3rd attempt, I was able to reach a customer service representative and reach a conclusion. The agent stated at the end of the call that Ally bank would honor the Extension Agreement and update my account to reflect the agreement within two business days. No updates were made.
On XX/XX/XXXX I emailed Ally Bank through my online portal and asked that they update my account to reflect the extension agreement. I included an attachment of the signed agreement and detailed my interactions thus far. On XX/XX/XXXX I got a reply stating that they received my email and that if I had questions to call their 1800 number. No updates were made.
Ally Bank is giving me the run-around and they are not honoring their own agreement. They are causing me a lot of unnecessary stress, time and money all in an effort to what is clearly a scheme to get even more monies in fees from folks with financial hardships. I am being financially responsible in trying to use the programs that they offer in good faith but in return, I am being met with underhanded shady practices designed to take advantage of the most vulnerable amongst us. I need help as Ally Bank is not working in good faith and is not abiding by our agreement.
|
| 06/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX E-Mail : XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Date : RE : request investigation of an authorized inquiry To whom it may concern, I checked my personal credit report which I acquired from your organization on ( ) and noticed that this an authorized inquiry had been made.
Ally financial XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Please remove or I will contact the FCRA. Furthermore, I am allowed under the ( XXXX ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX financial for them to release my medical information to a third-party.
I understand that the ( XXXX ) does allow for limited information about me, but any details may only be reveal with the permission of the participant. Therefore, my request is twofold and as followed : Validation of debt, and XXXX XXXX. Please provide a breakdown of fees, including any, and all collection cost and medical charges. Please provide a copy of my signature with the provider of service to release my information to you. Immediately cease any credit bureau, reporting until death has been validated by me. I am unaware of this collection. Please validate or remove this account.
Therefore, I must request your help in resolving this matter. In accordance with the fair credit reporting act, I request you immediately initiate an investigation into this inquiry, on my credit report to determine who authorized the inquiry. If once your investigation is complete, you find my allegations to be true please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at the listed address above.
If you find my last inquiry above to be valid, I request that you send me a full description of the procedure used in your investigation within XXXX days of the completion of your investigation.
Thank you for your assistance.
Sincerely, XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 05/03/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
Older American |
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I had a lease with Ally Financial for a XXXX XXXX XXXX vehicle in which I have had leases with the organization before. I paid every payment. Though paid on time, there were some late fees applied because it was still after their grace period. I ask the company if the will remove ( waive ) all late fees applied as I have been a loyal customer. Also, I have had other vehicles with the organization with perfect paying history and never asked this before. Also, every lease that I have, I've returned the cars in with approximately 9 or 10,000 miles unused miles that I paid for on my lease. I returned the vehicle in immaculant condition always having it serviced with XXXX and having it once again serviced before the lease termination. Again, I asked if they will dismiss those fees as a loyalty courtesy. I even informed them, that I was getting another lease and would request for Ally as I would continue to do business with them. Well, today, I receive an alert from the credit bureaus with my credit scores decreased saying Ally has added a remarked to the credit bureaus saying-Full termination, balance owing. Now, I am extremely upset because I have had a descent rapport with this company, great paying history, paying the lease out and for them to report that remark damaging my credit, I am extremely upset and want that immediately removed. The company should have been reporting Full termination, obligation satisfied. How could they do this to a loyal customer and Ally did not even contact me prior to doing this. I just recieved this alert from the credit bureaus and I was floored. Also, I requested for Ally to finance my next vehicle and the company XXXX went through XXXX, which I was shocked and also extremely upset because they did not do what I requested which was to continue to do business with Ally. I have correspondences in regards to this to show I did make that request. I could be incorrect but this made me feel that this is why they did not remove the charges as I was told they would. Also, I am sure the company records the conversation between the customer and the represenatives as I called several times in regards to this matter. I ask them to go back to the last recorded call as the represenative inforrmed me that he would submit this request because I have been a loyal customer and the fees would be waived in 24 to 48 hours, he even thank me for being such a loyal customer. Ally is reporting Ally is showing a balance owed of {$260.00} on XXXX and reporting Full termination, balance owing on XXXX and XXXX.
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| 09/28/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
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On XX/XX/XXXX I received an email prompting me to reach out the Ally ( the banking institutions ) fraud department in regard to my account. Within 10 hours of this email, I reviewed it an reaching out.
They asked me general information questions on the account and then asked what a specific deposits were. They were direct deposits from XXXX, which I use to accept payments for my art business as I am an independent artist. I miss-spoke and said this was a business transaction after they asked " were these deposits business related? '' and they immediately told me they were going to send this into review for their fraud team because they do not allow business on their bank accounts. I tried correcting myself because these were not business transactions, these were direct deposits from payments made on an entirely different platform. They ignored me and submitted the case anyway that I was " doing business '' on my account. This was not a business transaction and I corrected what I said to what I actually meant - that was this was a paycheck, just like anyone else 's direct deposit, that was deposited into my account by my own business ' funds from another company I DO use for my business transactions ( Honeybook ).
This was NOT a business transaction but it was too late and they locked me out of my bank account and can not give me a date to when this will be fixed in the 8 times I've called for a review.
I feel as though the lack of willing to hear me out on my miss speaking to the fact that this was a paycheck not a business related transaction in the moment of speaking to me was misleading. It felt as though they were trying to bait me into agreeing that I was a business owner 'doing business ' so they could have a valid reason to freeze my account.
Now they have blocked access to my account and WON'T GIVE ME A TIMELINE on when I can even expect a response back to what is going on. I can not even log on. I have no access to my money. No idea when to expect access to be back so I can pay bills and have no ability to tell companies when to expect their money since all auto-pay bills going out of my unjustly frozen account have bounced and they won't tell me when it could be fixed!
Their customer representatives repeatedly tell me they have no idea when to expect information. That they do not give timelines. I need answers or I am facing credit hits from missed bills all for having my paychecks be from my small business and not something they 'recognize ' when I could tell them what it was when they asked!!
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| 09/28/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
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Went to log on to mobile banking account XX/XX/21 at XXXX. which usually uses Face ID on XXXX, and user id and password populates automatically, but it did not work. I then tried typing in my username and password manually but it still did not work. I then called Ally Bank and spoke to a representative. She asked my name, address, social security number, favorite color, mothers maiden name and to further authenticate me she started asking questions from my credit report and past. She then said she was not able to authenticate me that way someone would give me a call back. I then called back XX/XX/21 and after asking me all the verification questions and asking for my phone number to send a code to it. I explained it did not work, the rep said she could ask the third party questions instead, I advised that did not work last time, she said sorry I needed to wait I-2 days for a phone call. She could not tell me from who or why my account was locked out in the first place. Finally, I called XX/XX/21 requesting a Supervisor. After waiting on hold for 25 minutes, I finally got Supervisor XXXX on the line, who advised, that I needed to speak to a specials team to get my account unlocked. It was locked, because I failed verification. XXXX put me on hold for another ten minutes, only to return and say that this department was not able to speak with me right now, but someone would be calling me back within a day or so. In the meantime, while I have been locked out of my account, someone else was able to change my phone banking pin, per this email I received. I was the victim of identity theft in XXXX of this year. At the time, the culprits only opened, accounts with XXXX XXXX Bank in my name, which I was alerted to, via my email and called to have closed right away. Sadly, I did not know I needed to delete my old email and make a new one until now and thus they have now gained control of my personal bank account also it seems. I am happy that Ally is protecting my account, but it does not take 3 ( friday, monday, tuesday, not counting the weekend ) days to call and tell me what documents to send in to verify my identity. I work for a bank, and we actually give the customers the information at the end of the call of where they can send their documents if they fail the 2nd step verification. At this point I am very disappointed, it's the 1st of the month, I have funds coming in, bills to pay and they are showing no urgency and very poor customer service. I would love you assistance in getting this resolved. I have attached my
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| 03/24/2021 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
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- Managing an account
- Problem accessing account
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Web |
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This morning when I called Ally Bank I got nothing but grief.I answered all there questions correctly.Because I never had them ask me certain question in all the years I have banked with them I asked them why.I told XXXX I have never been asked these certain questions before.All question were answer correctly and I provided additional information including the amount in each account date ofmature .This was a trust account to which I am the trustee.I told her i was the trustee and i have right to make changes.She also refused to provide me with a supervisor.All I wanted to do was close one cd, put the money in the 2nd cd and renew it for 15 months. She illegal froze my account.Now even after calling again and again answering the questions again not once but 2 twice, The second girl XXXX would not help me.I answer all the same questions and asked if these new question were something new.There were not, gave her all the same answers than demanded a supervisor because again I was not getting anywhere. she told me she had to ask more question I demanded a supervisor .I was tired of answering the same questions over and over again each time I was given another person.I finally was given XXXX and again the same thing.Unfortunately, my son took my phone to his day program in mistake, of all days, he pretty good about not picking up the wrong phone but it did happen.Got no where with XXXX and demand his supervisor, yes i was outspoken to say the least.I told them the same thing over again, I called this morning wanting to close one cd transfer money to another cd and renew at 15 month.Now they are refusing to unlock the account, refusing to give me the money. I am the trustee of the accounts.They would not even send me a code on my email account.what if you didn't have a cell phone.I was calling them on my landline. I just want them to unlock my account as all the answers I provide were correct, including if they saw the notes I called a few days earlier about the 15 month cd.I told them that I was filing this complainant and they didn't seem to care.I did slam them on XXXX which I mostly should not have .They have a copy of my son Trust and a copy of my guardianship papers on file for this. i can not get my account numbers as everything is done on line and they locked me out so I could not provide the terms of the cd only the mature date which was a question I could not answer.Since this will not be answered and solved, I want them to waive the fee it will take to close the cd because it will be past the ten grace period.
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| 08/27/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
Servicemember |
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My name is XXXX XXXX XXXX. I have recently became guardian over my father, XXXX XXXX and ran across some papers concerning a purchase agreement signed by my parents, XXXX and XXXX XXXX XXXX. My mother is now XXXX. On XX/XX/XXXX, my parents signed a purchase agreement with XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, Alabama. They purchased a XXXX XXXX XXXX XXXX for {$40000.00} minus the {$3500.00} down payment totaling {$36000.00}. The vehicle was financed by Ally Bank, XXXX XXXX XXXX XXXX, MD XXXX. The account number is XXXX. The dealership provided 2 checks to my parents, both dated XX/XX/XXXX in the amount of {$18.00} for Title Fee and {$2100.00} for Sales Tax and both pay to the order of XXXX County Tax Commissioner. Neither of these checks were submitted by my parents because I found them in among my father 's papers. On XX/XX/XXXX my parents each received a reminder bill in the amount of {$550.00} for the XX/XX/XXXX truck payment. The letters were mailed to XXXX XXXX XXXX, XXXX, GA. By this time, my mother had relocated to my home, in XXXX XXXX GA. XXXX shortly after suffering a XXXX. OnXX/XX/XXXX, another letter was sent requesting payment in the amount of {$570.00}. This included a late fee. OnXX/XX/XXXX, a letter was sent to my parents notifying them of a Notice of Our Plan to Sell Property. The letter notified an intent to sell the vehicle in a private sale sometime after XX/XX/XXXX. I would like to know how much did they sell the truck for? I would like to know why did they repossess the truck just after 2 missing payments? I would like to know why the letter identified amount owed was {$1100.00} plus {$27.00} late charges plus {$610.00} retaking and holding vehicle charges totaling {$1700.00}. Yet, on XX/XX/XXXX, a letter was sent to the XXXX, GA address " this is to acknowledge that your above referenced account with Ally has been settled and you are released from any and all obligations. '' The account balance on the letter was {$4100.00}. why? My parents were in no mental condition to sign a huge contract with these two businesses. My parents were over XXXX years old and were clearly taken advantage of. I think that their business practices needs to be examined and any funds should be returned to my father. To sum it up, XXXX XXXX XXXX purchased the truck from XXXX XXXX of XXXX, sold it to my parents, repossessed it after 2 months receiving a down payment and having to pay no taxes and tag fees, then Ally Bank sold it by the third month and for over $ 4K. Is this proper way to do business. Please help.
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| 08/07/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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Ally Bank ( Auto ) : I contacted Ally Bank to request a 90day loan extension on my vehicle, The letter is contained herein. I used the Ally Bank internal messaging system to expedite the request and attached the letter as instructed by there system. I returned later to find Ally Bank responded by stating there was not a document attached. Once again, I went through the process of attaching the letter only this time, to receive an error message that the system does not support my document, a simple word doc. As a resolution, I cut and paste the content into the message system, indicated the letter had also been sent via USPS, and attempted to send the message. Instead, I received an alert indicating there was abusive language in the document that had been flagged. Below is the exact contents of the letter : There is no abusive language and clearly no intent to convey any such content. Ally appears to be using this tactic to delay timely requests for extension in order to impose punitive fees as that is the only conclusion I can think of.
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Tennessee XXXX XXXX XXXX XX/XX/XXXX Re : ( 90 Day ) Extension, Account XXXX, XXXX XXXX XXXX, VIN : XXXX Ally Bank ( AUTO ) XXXX. XXXX XXXX XXXX, MN XXXX I am requesting a 90-day extension agreement, effective immediately on the referenced vehicle and account.
I was laid-off from my XXXX XXXX role, subject to recall, herein attached, and have not yet received a work recall notice. The XXXX XXXX XXXX XXXX had hoped to execute a full recall by the end of XX/XX/XXXX. However, due to a COVID resurgence, the Board has delayed the decision.
During the interim, I have applied for other full-time positions and am actively under consideration, but to this end have not received a written offer. However, I have received a verbal offer.
I am asking for the extension to get our feet under us and realize cash flow. Compounding matters, we have not received Kentucky Unemployment now @ 18 weeks in arrears.
The vehicle is in excellent condition, fully ensured, and parked in a gated community and driven only to keep the battery charged. I intend to retire this debt to Ally upon returning to work as the vehicle value is not only inverted, but the title is deleterious for selling the vehicle.
I provide you this information so that you may make an informed decision to give the requested extension, allowing me time to pay the account in full without adversely effecting my credit report.
Please advise at your earliest.
Thank you, XXXX XXXX XXXX
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| 12/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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In the early morning hours of XX/XX/XXXX, I was awoken by my dogs because a towing company was trying to tow my XXXX XXXX XXXX The entire situation caused a scene in the front of my home in the vicinity of several neighbors ' homes. In fact, law enforcement was called, and they told the towing service that they had to leave. I had never received any correspondence from Ally Financial informing me of the repossession. The tow service did not provide me with any information, either. This incident occurred on a Sunday, so the following Monday, XX/XX/XXXX, I called Ally Financial regarding the vehicle because I had missed payments ; however, I had previously attempted several times to contact them, and they would not give me any information. One agent did tell me that the vehicle had been charged off, but I never received any information to this effect from the company. That Monday, I was able to speak with a representative, XXXX ( employee identification # XXXX ). He offered me a settlement of {$14000.00}, and he stated that I would have to pay this amount off within 12 months. I was given an amount of {$1100.00} to pay monthly. After having to deal with such an embarrassing situation in front of my home less than 48 hours prior, I felt that I had no choice but to agree to the terms since I needed a vehicle. I have been paying the amount since XXXX of XXXX. When I asked Ally to send me a letter stating the amount of the settlement, I was told that they do not send letters to that effect. They did send me a letter with a totally different and higher amount than what was agreed upon. The amounts on the letter do not add up to the amount that I am paying.
I later discovered that a charge-off was placed on my consumer report without my permission ( FCRA ) even though I am still paying on this vehicle.
When I disputed Ally 's practices, I was sent a copy of the contract. In reviewing that contract, I realized that I do not have an agreement with Ally Financial. My contract is with XXXX XXXX XXXX! At this point, I don't even know how Ally Financial manipulated their way into this contract. By placing the charge-off on my consumer report, they are damaging my creditworthiness, and, despite my requests, they are refusing to clear up the consumer report. I feel that Ally Financial and XXXX XXXX XXXX have conspired to take advantage of me, and they continue to prey on me with the high car payments for a used vehicle. It is my belief that they have violated several of my consumer rights, especially my right to privacy.
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| 07/17/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/18, around XXXX Eastern, I deposited a check in the amount of {$250.00} into my Ally bank checking account. Because of an overdraft issue in the past, the hold for a new deposit into my checking account lasts for five days. Previously, in correspondence with the bank, I was told the way to avoid this in the future would be to deposit the check into my savings account, which was not subject to that hold, and simply move the money into my checking. This is what I planned to do with this check, but simply made a clerical error in the deposit. As such, I called the bank to correct this error and move the check into the other account, where the hold would not apply.
Calling at XXXX Eastern, I first talked with an associate and then a supervisor who informed me that the deposit had already been approved for the checking account and could not be moved. Both told me, in identical language, that Ally would be restricted from releasing the hold by federal law. I believe this is a lie and a gross representation of the Expedited Funds Availability Act, which simply *allows* Ally to place an extended hold because of prior overdrafts, but certainly does not mandate it. The supervisor told me to all back in the morning, and progress might be made once the check could be seen in the system.
I called again at XXXX Eastern. Talking with an associate, I was told that there was no one, at any level of the bank, who would have the power to release the hold. I explained again that this was a simple clerical error, that if the check had been deposited into my other account, the funds would have already been made available. He repeated his claim that no one at the bank has the ability to release it. I again escalated the call to a supervisor, who repeated the lie that Ally could not release the hold without violating Federal law. She refused to fix the issue and multiple times denied that there was any way to escalate a claim beyond her. After minutes of probing, I was finally told that the claim could be escalated to an executive resolution team and I requested that be done. This process can take up to three business days, at which point the issue may very well be moot, as funds will be available the next day.
The inability to access these funds is the difference between eating and not, and being evicted or not. Also, an automated payment has now hit the account, and I have been informed by Ally that I am once again in overdraft, despite the fact that the {$250.00} sits in my account approved but " unavailable ''.
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| 12/14/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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My name is Mr XXXX I am contacting you regarding ALLY AUTO FINANCIAL regarding my account, i have tried and tried to contact Ally regarding my account and all i have been getting is the run around with no answers, i speak with one person and that person would transfer me to a different department and so on so on, they have been and gotten to be Unprofessional, a month ago my car was up for repo, i gave them the location to where the car is, it is in a mechanic shop, its been there several months, i told them there is money owed for repairs, and they then hired a recovery company to go repo the car, when the recovery company gets there instead of paying the cost to get the car out of their, they was trying to negociate a lesser amount that was owed so that they can pocket the rest, so instead of telling Ally what happened, they tells them the car wasnt there, for 4 yrs i have complained about this car and said it was a lemon, had too many problems, there were things about the car that was not disclosed when purchasing it, i explained that for years to Ally, and told them the car not worth anything, but they wouldnt listen, Covid19 has arrived my wife and I lose our jobs we no longer can pay for the car, at this point my wife and I was stuck wit it, then the Pandemic the car is up for repo, we agreed to have the car repo i gave them the location to where the car is located, 4 weeks ago, it was in the system to repo the car weeks ago, the car was never picked up which was strange to me, because for weeks i been harassed bout the car, and when i cooperate they dont pick up the car and now i get a letter saying the account will be charged off today, they cant charge the account off if i agreed to have it repo and was in the system to go repo it when i told them to go repo it, you cant charge off an account when i'm giving you back the asset, this is wrong under the circumstances with Covid 19 happening, Covid 19 has changed my wife and I lively hood in a major way, we both lost our jobs and they wan na continue to hurt people during a pandemic, which is flat out wrong, this account cant and should not be charged off by any means, they have the location of the car, and it needs to be repo as originally planned and discussed,, they want to abandon the car because its not worth anything, the reason its not worth anything, because of all the recalls and issues the car had now throughout the years, what they are trying to do is unacceptable I want this matter resolved XXXX XXXX XXXX ) XXXX - XXXX XXXX ) XXXX - XXXX
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| 11/23/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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Ally Bank did not protect me fraud.
My friend 's financial advisors instagram was hacked and they tricked my friend into thinking her XXXX app had more money in it do to an investment. The hackers pretending to be her financial advisor then asked her to make a video of how amazing she is as a financial advisor. Immediately after my friend posted the video the hackers took over her account. The hackers took advantage of the the conversations they now had access too and many of us sent the money via XXXX.
I contacted Ally Bank, as soon as, I found out assured me it would be okay. They told me it would take up to 10 business days, provisionary credit of {$2000.00} back into my account and told me to wait. I expressed I was concerned over the wait period because of the fraud situation and they assured me this is the process and I shouldn't worry.
After no commutation for a couple weeks {$2000.00} was withdrawn from my savings account. I called immediately and was passed from person to person for about two hours. The notification was in a " Notices '' tab in an odd spot under my profile and settings tab, would have never known to check their if they didn't tell me.
The notice stated " The disputed transaction was completed with a merchant with whom you have an established relationship. '' The reps on the phone said this was because I made the transaction on the app that I had made many transactions from. This makes no sense and the broad statement of the notice does not align with the issue of fraud.
I was met with vague answers on why this conclusion was reached, that there is nothing more they can do once the conclusion is reached.
The forms they sent me to fill out did not align with my situation. I tried to express this to customer service reps multiple times. When the disputes rep called me I felt like she was confused and not fully listening to my statement. She kept asking me who I wanted to send money to, I kept responding that it was fraud. The notes kept on my claim were not accurate. The last rep I spoke with told me what was relayed on to XXXX as the issue, I said that was inaccurate and he said " they got the general gist. '' Three different customer service reps were confused my the comments being kept and even said the forms and their process is not equipped to handle fraud situations like mine.
This is simply unacceptable. It is not Ally Bank 's fault I was a victim of fraud, however it is their job to protect their customers and to handle claims of fraud seriously and accurately.
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| 02/20/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
Servicemember |
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In XX/XX/XXXX, I was struggling to make payments on my auto loan with Ally Financial for a XXXX XXXX XXXX because of the government shutdown. I transitioned to the XXXX XXXX in Maryland and was attending the XXXX XXXX. In XX/XX/XXXX, when I received my first check from the XXXX XXXX I contacted Ally Financial and made a payment over the phone in the amount of {$1200.00} ( my entire check ) under the pretense that the vehicle would be caught up and there was no danger of repossession. Ally Financial told me that they would immediately contact the company that had been assigned to repossess the car and stop repossession immediately. When I arrived at home, the repossession company was in the driveway. I informed the repossession company that the payment in full had been made and that he should have received a call to halt the repossession. However, the driver repossessed the vehicle and took it to their storage facility. By the time, Ally Financial made the call, several days worth of storage charges had accrued and I simply did not have anything left to give until I received my next pay check. When I did receive that pay, Ally advised me that the only way that I could get the vehicle back was to pay half of the remaining balance ( which at the time was approximately {$8000.00} ) plus all accrued storage fees which would have been more then {$5000.00}. I did not have any choice at the time but to let the car go to auction. I was advised that if the vehicle sold for more than was owed, I would be given the difference which made me believe that if the vehicle was auctioned my debt to Ally would be paid in full. When I attempted several weeks later to find out what the vehicle had sold for and if I could expect a refund, Ally stated that they were unable to provide any information. Based on recent conversation with Ally Financial the balance remaining is {$11000.00}. I initiated conversation in an attempt to repair my credit, but they are only interested in getting their money. I am currently serving under XXXX XXXX XXXX XXXX orders and undergoing medical treatment. The financial advisor at the XXXX XXXX XXXX XXXX XXXX suggested I reach out to you for help resolving this. I feel as though Ally Financial lied about their intentions to help me redeem this vehicle to get money from me and was unwilling to keep their verbal agreement once the vehicle was picked up by the repossession company. My credit has been seriously impacted by this repossession and it continues to affect my personally and professionally.
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| 08/10/2020 |
Yes |
- Debt collection
- Auto debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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This is the second complaint filed with CFPB against Ally Financial for call harassment. Ally Financial still calls to harass me by placing the calls to my phone numbers constantly since the year of XXXX. These calls are meant for another person with whom I have no association. These calls are for debt collection for automobile loan that I have no association with Ally Financial. On or around XX/XX/XXXX in the nighttime, Ally Financial damaged my phone device by awakening me from sound sleep to its call. I stumbled as reaching for my phone device thinking it was an urgent call and it fell off the table and hit the floor broken. My phone device is a special equipment for the deaf that takes or makes TTY calls. I was without this phone device for three weeks which was agonizing me.
On many occasions during call harassments, I notified Ally Financial of the wrong numbers and call harassments must be stopped by speaking the representatives, sending certified mail, and entering the information on Ally Financials automated system. Most recently, on XX/XX/XXXX I spoke with a representative of Ally Financial at XXXX and her name is XXXX. I informed her of the wrong numbers and requested that calls be stopped. Unfortunately, Ally Financial never cease calling to my phone numbers afterward.
Ally Financial places multiple calls from different numbers which makes it difficult for me to block the calls each month. Ally Financial manages to reach my phone numbers by using many different numbers as following : ( XXXX ) XXXX, ( XXXX ) XXXX ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX and ( XXXX ) XXXX These calls made by Ally Financial to my phone numbers are ongoing call harassment as far back as the beginning XXXX. The calls come in 4 or 5 times per day. Even three calls within 1 minutes. Most of the calls were either prerecorded messages or robocalls. In addition, I receive multiple voicemails left to my phone numbers from Ally Financial.
The voicemails would often state : This is Ally Financial XXXX Inc. calling for XXXX (? ) XXXX. Please call us at XXXX as soon as possible. Again, our numbers are XXXX XXXX OR Message for XXXX (? ) XXXX my name is XXXX calling from the office Of Ally. It is important for you to call back today at XXXX. We are Open from Mondays to Sundays XXXX XXXX to XXXX XXXX Eastern Standard Time.
My efforts of stopping the call harassment were of no avail now that It has been over 5 years, Ally Financial viciously calls to harass me knowing that they got the wrong numbers.
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| 04/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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My car was repossessed on XX/XX/2020 by Ally Financial. To date, I have no information as to whether my car has been sold, if there is a deficiency, or how much that deficiency may be. If it has not been sold, I do not know the location of my car, or what Ally intends to do with my car.
Ally committed various violations of the UCC. Ally employed the services of an attorney to approach me regarding resolution. Each time I have presented an attempt at resolution, Ally has declined.
It has now been 7 months since my car was repossessed, and I have yet to receive an itemized list of charges associated with the repossession. I do not know the location of my car, what would need to be paid in order to retrieve my car, and what their plans are for my car. If it has been sold, I have received no information regarding sale.
I recently noted that Ally has posted additional charges reflected on XXXX XXXX. However, I have received no notices of this newly accrued debt from Ally. I tried to log into my online Ally account to download my statement, but my online account is no longer accessible.
I have made calls to try and get more information regarding my car. Each time I call, I am transferred to an executive dept where I have left a voicemail. My calls have not been returned, and at this point, I feel as though I have no way of obtaining information I am entitled to receive, per CA State Consumer Law.
In addition, my car may have depreciated a great deal in the seven months since my car was illegally repossessed. In addition to devaluation over time, am uncertain as to where my car has been stored. If outdoors, I am not sure what elements it may have been exposed to, and as a result, the possible wear and tear on my vehicles appearance. If it has been exposed to a harsh environment, my car would then obviously decrease in value. This, in turn, would create an unfair disparity in value. I am concerned that the overall state of my car may have lost value due to location, in addition to the seven months my car has been held by Ally Financial. This potential loss in value has been out of my control entirely, yet I am still on the hook for the entire loan, regardless of decrease in value.
This statement only represents a portion of what has taken place, and only represents a portion of how Ally has mishandled this situation.
I would appreciate any help or guidance with this situation, as Ally Financial has at this point disengaged from communications.
Thanks in Advance for your help with this matter.
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| 02/12/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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In 2016, I was in a XXXX XXXX XXXX, due to my mental health issues being exasperated by my mother in law being diagnosed with XXXX XXXX XXXX, as well as my father having a XXXX. My XXXX XXXX became uncontrollable. During that time, I would rapidly apply for several bad loans, along with maxing out my credit cards. Despite my poor credit situation and massive debt, I apply for a used XXXX XXXX valued at over {$24000.00}. I knew that my chances of being approved were slim to none, but to my surprise, I was advised that one lender did approve me ; it was Ally Bank. I made my way down to the dealership, and when I submitted my income statements, along with an offer to trade in my car and put {$1000.00} down, the Ally rep stated she could not approve the loan, due to my income and down payment. The sales rep continued to submit my credit information to other lenders while pressuring the Ally rep to approve my application. The terms of the loan required that I make payments of {$600.00} a month on the loan. The APR on the loan was astronomical, and over {$200.00} of my monthly payments would go to interest along. When my income of less than {$40000.00} was factored in along with my debt current debt, and cost of living, every other financial institution knew that approving me would end badly, but not Ally. The two sales reps were able to pressure the Ally underwriter to approve me by convincing me to come up with another {$1000.00} for the downpayment. I had to take out a payday loan just to get the money which only made the situation worse. I would call Ally several times to try and have the loan payments reduced, only to be told that I was not eligible and to call back after a year. The car would be repossessed in less than a year, and now I'm left with a {$12000.00} debt and debt collection threats Because of the dealership, and Ally 's decision on that day, I would end up falling into financial ruin, and now facing bankruptcy. Ally bank should have known that my take-home income of {$1000.00} every two weeks would not have been enough to pay a {$600.00} car payment a month. I even told the sales reps that I was looking to have a car payment of about {$300.00}. They proceeded to add additional " warranties '' that increased my loan amount as well, and now Ally wants to sue me for a mistake they made that ruined my life. Despite being found guilty of taking advantage of people of XXXX with predatory loans. Ally continues to practice the same. Please take action to prevent this from happening to others.
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| 03/11/2017 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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I had requested a 2 month extension on XX/XX/2017. I did n't receive the extension agreement until XX/XX/XXXX. Submitted the paperwork and payment XX/XX/2017 which met the 10 day deadline as stated in the letter. XX/XX/XXXX rolls around and the staff are calling me telling me my loan is past due and requesting payment. I explain whats going on with the extension and such. The agent says he looked into the account and seen that the extension is noted but hasnt been granted. Therefore he would email the extension department to get the situation resolved. XX/XX/XXXX rolls in and I begin getting calls again. I explain the same situation. The agent starts telling me that the extension expired because I didnt make the minimum payment by the deadline. I explain I did make the payment on the night of XX/XX/XXXX. She stated she would look into the situation again and contact the extension department to see whats going on with my account. XXXX, same thing happens, but this time I requested to speak to a supervisor. The agent put me on hold for 3 to 5 minutes, and then came back on the line stating that the supervisor was busy and unable to assist me. XX/XX/XXXX, I get yet another call and explain the situation. The agent says the same thing, that I 'll contact the extension department. I then requested to speak to a supervisor as well, as I 've been getting a run around. I requested to speak to a supervisor. The agent put me on hold for 3 to 5 minutes, and then came back on the line stating that the supervisor was busy and unable to assist me, but assured me that she contacted the extension department and they will be looking into the situation. XX/XX/XXXX, I was on the phone for 22 minutes still dealing with the situation. finally getting transferred to a supervisor. I explained to the supervisor whats going on, and she explained that she would be looking into the situation directly and will contact me back. I received a voicemail message on XX/XX/XXXX from her to call back. I called back, got another agent, and was not allowed to speak with the supervisor and was told the extension was never granted because the extension agreement was supposedly not signed by me. I spent 35 minutes on the phone explaining to the agent what happened, she finally offered me another one month extension. Same thing is happening with this extension as Im getting calls about every 3 days and I explain that I requested an extension and all that jazz. Everyone tells me that they will get it taken care of, but I keep getting calls.
|
| 12/08/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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Since XX/XX/2022 I have been trying to get some type of understanding of my auto loan with Ally Financial. I have put in two complaints with this company under XXXX XX/XX/2022 and XXXX XX/XX/2022. The company responding back that they are still working on the issues. Ally Financial lied once again to the CFPB and myself because I received a letter today that was dated for XX/XX/2022 stating that my account is now a charge off and they will not be sending the title to the vehicle until I pay {$14000.00}. It stated that my account was a charge off but it was referred to there XXXX XXXX XXXX. So at this point in time it clearly shows that Ally Financial is not a trust worthy company being that they can violate so many of my consumer rights.
Once again Ally Financial has broken yet another law with out blinking an eye 12 1026.13 Billing error resolution-Based on the Payment history that was received by Ally Financial XXXX XXXX states that the original balance is {$17000.00} with a remaining balance of {$14000.00} left to be paid. The contract on file states that the total sales price is {$27000.00} with my down payment of {$1500.00} there is money not being reported. Under 12 CFR 1026.13 what happened to the {$10000.00} it must be in limbo somewhere? What was supposed to be credited to me the consumer was clearly not. The total financed on the contract states {$27000.00} so what happen to the {$10.00}, XXXX dollars. After doing some calculations on my end the break down is not right in I stated that to the Agent from Ally financial XXXX XXXX when she called me after my first complaint with the CFPB. I have sent my letters of Affidavit, Cease and Deist of contract under my consumer rights of recession. The company still went against 12 CFR 1026.13 ( d ) Billing error resolution because they still counted each month as a missed payment and reported on my credit as a repossession which I have a copy of my report. So is it that Ally Financial can charge off my account and a sneaking way but report to the CFBP that they are working on the issues at two different times but still send me a letter, block my account and report fails information on my credit. Ally Financial is attempting to take advantage of a consumer and continuously lie. I have stated everything that was done in my letters to the company and my complaints with the CFPB. Also, I have uploaded all documents that was needed for my case because I do not trust Ally Financial to do what is right cause clearly they believe they are above the law.
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| 09/24/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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i cosigned for my daughter on XXXX XXXX XXXX XXXX. Loan was thru Ally Financial, XXXX XXXX i believe? XXXX full coverage insurance thru XXXX and gap ins. XXXX XXXX XXXX. On XXXX or very early XX/XX/XXXX it was stolen in XXXX. Everything was turned in. She even tried tow yards. It was never recovered, this was on her birthday. XXXX gave her a rental for a couple of days, we paid rest. They said it was ok. If they were ever late paying, Ally immediately mailed me a bill and i would pay it. It looked like it was off my credit, now full amount is back on with missed payments, i guess since its theft?? On XX/XX/XXXX & XXXX Ally sent me 2 letters, requesting copy of check, we never received it Ally did?? Also want copy of police report. Well XXXX precinct was being set on fire repeatedly, that plus covid, plus not getting paperwork the police say maybe 4 weeks they are backed up, still dealing with XXXX and covid. They have ruined my credit. I just got denial on a cheap little car {$11000.00} at 8 , % interest. My score has always been very high, now its maybe 600. I cant even borrow $ 8-10,000!! I have called so many times, on hold for 1-2 hours, i have emailed, its just run around Ally letterhead stating they are gap insurance company..makes zero sense. They have paid, or srnt form at least, XXXX for personal possessions in car. I am in Idaho, my daughter is in Wa. at this time. Its very hard as there was a XXXX XXXX issue, XXXX XXXX XXXX so she can not go back to get her paperwork and will be divorcing of course. Insurancecwas in her husband XXXX XXXX ' name Ins Claim/, report # XXXX. I really need this fixed. They had been paying on time, paying insurance and GAP..i have been working on this for months. I understand covid, but that goes both ways and XXXX is getting thrashed the police are few and busy. Can you please tell me what to do? Any info would be greatly appreciated. Ally acct # XXXX. Balance due is {$17000.00}. I can send picture of my Statement of Credit Denial, Termination or Change, i just received XX/XX/XXXX. First one in my life. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, ID. XXXX ( XXXX XXXX XXXX. Voice mail does not work. My daughter is XXXX XXXX XXXX XX/XX/XXXX. They sent title paperwork to a wrong address, she finally got it, notarized and has been returned. They have title!! I really need help, this is crazy, we didnt get a check. We cant send a picture, it goes to THEM and will send another police report asap. Thank you for your time and any info. Sincerely, XXXX XXXX
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| 08/23/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
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Web |
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XXXX XXXX offered financing through Ally Bank in the amount of {$2500.00} for 4 sessions of XXXX within a 6 month period. After filling out an interest form online on XX/XX/2022, I received a phone call and virtual consultation within minutes. A brief description of services and the contract was given before scheduling my sessions for XXXX and XXXX. I was informed that I would not be binded to the agreement should any medical conditions deem me an inappropriate candidate for the XXXX services.
Two weeks after my consultation, my partner and I decided that we would start family planning. My need and ability to receive XXXX changed. I called to cancel my loan with Ally bank in XXXX and cancelled my XXXX appointments. Ally Bank agreed to cancel the loan and informed me that I would receive notification in the mail. Over the next few months, I would continue to receive past due notices from Ally Bank. In XXXX, I inquired with Ally Bank as to why the notices were continuing despite cancellation. Ally Bank initiated a dispute with XXXX XXXX. XXXX XXXX contacted me in regard to the dispute and stated that they could not refund Ally Bank therefore forcing me into a loan agreement for services I have not and can not receive.
Per XXXX XXXX contract, " XXXX services are not recommended for : ( a ) Any female who is pregnant, may become pregnant, or is lactating ; ''. XXXX XXXX states that " 4. [ Ideal Image ] may also terminate the Agreement at any time and for any reason and [ they ] will then refund you if [ their ] medical director in his/her sole discretion determines that you are not an appropriate candidate to receive treatment services as follows : 1 ) If treatment services have not yet been performed, you will receive a full refund in the amount of the total service fee price received, less {$100.00} ; '' Despite not being an " appropriate candidate to receive treatment '' as a " female who is pregnant, may become pregnant, or is lactating : '', and the agreement of Ally Bank to cancel my loan for services not rendered, Ideal Image has refused to refund Ally Bank and hinders the cancellation of the loan.
In addition, XXXX XXXX image is unable to provide the services within the stated service agreement timeframe of 6 months due to my ineligibility per the agreement.
The loan is reflecting over 90 days past due and will negatively affect my credit standing for services that I am ineligible to receive for a service agreement that XXXX XXXX is unable to provide per that contracted terms.
|
| 07/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
In XX/XX/XXXX we re-financed our auto loan from Ally to our credit union. Credit union sent a cashiers check in the amount designated as 10 day pay off. I received a letter dated XX/XX/XXXX from Ally on or about XX/XX/XXXX stating that there was a balance still. I called there customer service on XX/XX/XXXX and was advised with reference # XXXX that remaining balance was being waived, to follow up in about 1 week. Received another letter dated XX/XX/XXXX on XX/XX/XXXX, and again I called Ally customer service, representative XXXX stated to dis regard this letter and confirmed that said balance was being waived, she then gave me a new reference # XXXX. Called Ally customer service in XX/XX/XXXX to follow up on previous calls, was given same reference # ( XXXX ) as the XX/XX/XXXX. Again representative stated remaining balance was waived. XX/XX/XXXX follow up call to Ally customer service was told that remaining balance was waived and given new reference # XXXX. XX/XX/XXXX follow up call to Ally Consumer Solutions dept, representative XXXX ( id # XXXX ) stated remaining balance was waived per XX/XX/XXXX reference # XXXX. In late XX/XX/XXXX Ally finally sent release of lien letter to our credit union. Somewhere between XX/XX/XXXX and XX/XX/XXXX Ally had reported to Credit bureaus that we had late payments for XXXX, XXXX, XXXX, and XX/XX/XXXX that show as 30 day late then 60 day late then 90 day late then 120 day late. Now here in XX/XX/XXXX after we applied for new lease with Ally and was denied. I called and spoke to Ally customer service, representative XXXX stated that remaining balance was waived in XX/XX/XXXX and gave me case # XXXX. XX/XX/XXXX Ally customer service representative XXXX stated that balance was waived and letter was being sent to credit bureaus stating that late payments submitted by Ally were in Error, as well I was sent said letter but the letter isnt what XXXX stated, it still says those 4 late pays are there. XX/XX/XXXX Ally customer service representative XXXX XXXX Id # XXXX ) stated remaining balance was waived per XX/XX/XXXX reference # XXXX. She also stated that she doesnt know why it took til XX/XX/XXXX to be put in system. I have documents from both Ally and my credit union along with all the info I listed here that shows Ally is in Error by reporting our account as late to credit bureaus that is listed above ( XXXX, XXXX, XXXX, XX/XX/XXXX. My wife and I have spent many hours over the past year trying to get Ally to remove the Derogatory marks from our credit report.
|
| 10/24/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
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Web |
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On XXXX XXXX, I made a payment to Ally Financial in the amount of {$900.00} because I fell behind in my car payments due to losing a job and just started a new job on XXXX/XXXX/2017. I explained my situation to the representative at the time. The week of XXXX/XXXX/2017, I received a phone call at work from my father in law stating Ally Financial called him in XXXX looking for me. I called Ally Financial and told them my situation and informed that I will be making my payment when I get paid. I do n't get paid till XXXX/XXXX/2017 because I just started my job and this will be the first pay cycle for me. I called Ally Financial and told them do not call anyone in my family looking for me and I was told that no problem and his number will be removed.
I never gave Ally Financial my father in law phone number and they are using extreme secret practices to humiliate me with out allowing me to call back. On XXXX/XXXX/2017, I received while at work 6 calls back to back from a representative named Precious at Ally Financial bank on my cell phone. Before I can give her a call back when I get off work, she called my Supervisor at my brand new job at the XXXX University hospital and humiliated me because I did n't call her back soon enough ( I attached a copy of the email my Supervisor sent me ). When I called the representative Precious at Ally Financial and asked her how did she get my new job number which I did n't even know yet. She refused to I was told by her supervisor that are secret tools they use to locate people. I informed that that they are never to call no number to look for me except my home and cell number. This is the 2nd time I 've explained to Ally Financial they were violating my rights. It is threatening and scary knowing they are most likely illegally using methods to track me without my permission. They called my father in law as well as job looking for me and will not disclose where are they getting my information.
I want the threats from Ally Financial to end. They act like I have no rights as a consumer and it is really scary my personal information is being used as a weapon against me. They are withholding methods and refuse to tell me if they are using google or what other searches putting my personal information such as social security, address and date of birth on the internet. They may even have someone following me. Please help me resolve this matter. I am afraid and really need assistance or to know my other options. No creditor should be able to get away with this.
|
| 08/05/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
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Web |
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Besides the HORRIBLE customer service. I was lied to. I spoke with a rep from Ally on XXXX who took a payment from me in the amount of {$740.00}. She informed me that the amount would cover my past due amount for XXXX XXXX payment along with the late fees assessed in the account. Since she could not take the payment via her system for a future dated payment, she informed me that I would need to go online to schedule the payment for the XXXX and provide her with the confirmation number. I did. I also doubled checked to make sure that this amount that was being paid was going to bring my account completely current along with no more late fees. She said YES. She said you will be completely current however I would be due for XXXX payment just in a few days on XXXX. She asked about hat payment and I advised her that I would be able to make it at the end of this month. She told me that as long as I paid by the end of the month, that I will be ok and not accessed a late fee. I receive a collections call on XXXX stating that I am past due a payment for XXXX and that my late fees were over {$500.00}. I did n't understand why I even still had late fees after I made the payment of {$740.00}. She explained to me that the payment posted to my principle balance and not to any of the late fees. I told her that had to be a mistake bc the rep told me AND online told me that my payment with late fees was {$740.00}. She told me that she was going to open up a research request and that someone would call me within 24-48 hours. No one ever called. So today, XXXX I called back to get a status update and the young lady told me that the research had been done and that there was no extra payment made. My payments are {$470.00} every month. She then went to tell me that the remaining was applied to my returned payments from XXXX and XXXX!? Although those payments were returned, they were made up! I made the payments for the month of XXXX and XXXX! Something is n't adding up. Ally could n't verbally explain to me what was going on so they just indicated to me they will send me a copy of the billing history. I do n't need a copy, I have my own via bank statements! All in all, I was lied to and mislead to believe that my payment was being made to cover my XXXX payment plus late fees from the rep and online. The reasoning they are giving does n't sound right! I feel like they are just telling me something and its really challenging my intelligence. Please take a look into this ... anything that is needed I will provide.
|
| 07/30/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
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Web |
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Your reappearance of the complaint number XXXX is not supported under any federal or state law. but rather it is a violation of consumer rights 15USC1692a ( 3 ) 15USC1602 ( i ) ( i ) The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes.
So you say that you deny having violated any state and federal law. But according to title 15 USC 1692 you can not make a decision like refusing to extend my credit based on information from a third party as in this case. 1. They mention credit history again, credit history is not a factor in denying a credit extender, according to the Truth In Lending Act.
They put it well, part of their credit assessment. Your evaluation violates the federal equal opportunity law, since your decision is based on a supposed Score that is only a simulation and is not even a federal law and much less is contained in the Truth In lending act. Not in the CFR, Fair Credit Reporting Act.
It is the last time that I refer them again to approve the application and extend my credit.
Of you not doing it, based on the excuses you used in your answer, I am going to proceed with a lawsuit since you have just violated title 15 of the United States, seeking information from a third party that is a corporation that in turn can and does manipulate the numbers at your convenience to profit from the consumer.
I am not supposed to have a credit score to get a credit extension.
They are not supposed to a supposed credit history to extend my credit.
They are not supposed to check with a third party other than the consumer himself when they want to receive information from the same consumer.
Those are violations that you overlooked when writing a statement like this.
And I have my UCC-11 from the state of Massachusetts ready to send as proof that I have no debt.
And to mention that because of my income they refused to extend my credit is another violation, since you are not the ones who will pay for the property with your own funds.
And I understand that you have no control over the agencies, just as the agencies have no control over the consumers. And you do what they say, they are a third party, you should have sought information directly from the consumer and not from a third party as you did. Violate the 15USC title
|
| 12/08/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
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I purchased my vehicle back in XXXX 2015 - My XXXX payment was due XXXX/XXXX/2015 - I made that payment on time payment was made in full by XXXX/XXXX/2015. I then contacted Ally the next day to request a ddc. My next due date was not until XXXX but financially my due date being in the middle of month is a better fit. So I requested a ddc and the reps are telling me I must make half of my payment in order to get a due date change. I asked the rep why is it I need to make a partial payment when I just paid you guys the previous day and also my account is not even due at this time. They are unable to give me answer only to say this is company policy. I then was transferred to someone else because I need better understanding as to why this is needed. I was still unable to get an answer. The rep only told me to call in closer to my due date and request the ddc so I waited. I then contacted Ally XXXX/XXXX/2015 to request a ddc they then in turn told me again I have to now make a {$94.00} payment in order to get a ddc I asked for an explanation no rep could give me an answer other than its company policy. I requested supervisor at this time for better clarification on this. The manager still says its company policy, my question is why is it acceptable to collect on an account the is not even delinquent or past due. She could not give an answer only gave me options. Options were to pay XXXX and get due date change to XXXX, or wait until the day I can pay on XXXX I would not get a late fee due to the state but I may get a couple of calls. I do not want to the calls about a payment that can be paid on time and also if I were to pay XXXX and go past due I am still being charged a daily perdium on the loan due to the interest rate alone. The supervisor unfortunately still could not answer the question of why money is requested for an account that was not past due. Since I was getting no where with them I went ahead and went thru ddc process and paid {$100.00} to get it done. Today XXXX/XXXX/2015 Im still waiting for my paperwork to sign and send back my ddc has not been done I went ahead and paid my car payment for XXXX on XXXX/XXXX/2015 so I was charged for 3 days of extra interest which is very upsetting. This was a bad decision to have my car financed with such a money hungry company. I would like an explanation on why Im being charged for due date change and a payment is not due. I will be contacting a lawyer in regards to this to verify if this is even legal. This is a poor excuse for a company.
|
| 04/13/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
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Web |
Older American, Servicemember |
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I paid off the loan on a new vehicle 12 months in advance. Ally Financial took one additional payment of {$530.00} out of my direct payment account and has NOT returned it to me in 30 days. I contacted customer service reps. at Ally seven times. I recorded four conversations ( I informed them that I was recording the conversation every time. ) I contacted Ally three additional times by " chat '', and I printed those communications as well.
I was initially told by Ally that I would receive the refund of my money the week of XX/XX/XXXX. I was told the refund was mailed to me on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and finally on XX/XX/XXXX. It is now XX/XX/XXXX and I still have not received the money Ally took out of my account.
The vehicle was paid in full on XX/XX/XXXX ... 12 months ahead of when the final payment was due. I have recordings and documented copies of the misleading information I have been given for the last three weeks.
Why are they allowed to get away with this? Why couldn't they return my money electronically to the same account they took it out of? Why are seven different people confused and not sure of " exactly '' what is happening?
Another complaint about the TITLE for the vehicle. I actually paid off, in full, two loans years ahead of time. I asked the question ; " ... when will I receive the titles for the two vehicles? '' I was told by three reps. that the titles would be send to the DMV. I asked " ... what DMV? '' No one could answer that question. However, as it turned out, one title WAS sent to the DMV in XXXX, IA. and second title was sent directly to ME!
How about that? Who really knows what they are doing at Ally? Why would Ally release two vehicle tiles worth {$50000.00} and NOT return a payment amount of only {$530.00} ... what is worth more? It makes no sense that they would delay returning a small amount of money, but have NO problem releasing titles worth many thousands of dollars? The fact is, they DO NOT want to release MONEY. They hold on to the money as long as they want to, without reason or justifiable cause to do so.
This needs to be examined and corrected. Note : Ally should be regulated to " refund '' customer 's money within two weeks or less. They should be forced to " direct deposit '' refunds if they have been paid by " direct payments '', all of my payments were made on time with direct payment terms. Ally should be punished for making " false '' statements and unprofessional conduct and concern for outstanding customers like me.
|
| 05/17/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
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Web |
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On XX/XX/2023, at XXXX, an email was sent by Ally Bank stating that my wire transfer for {$19000.00} had been approved. However, I was traveling and did not have access to my email account until Monday morning on XX/XX/2023. When I saw the email, I immediately contacted ALLY Bank by phone to tell them that I did not authorize any wire transfers. I asked them to reverse the transaction, they then contacted the corresponding bank, and they told me that the corresponding bank refused to reverse the wire transfer and there was nothing they could do except file a dispute claim. I filed a dispute with ALLY Bank, and I reported the transaction my local police department and the FBI since this was an international transaction. I then had an attorney prepare and send a formal response to the Bank 's initial denial. Over the next 5 weeks, I made a number of calls and sent emails to them and on XX/XX/XXXX after almost 2.5 hours in calls with them, they stated that they would not return the funds to my account. In fact, they put a hold on the remainder of my account and upon their decision, they closed my account and sent the balance to me.
I believe that the following facts should have raised red flags regarding this transaction that should have trigger additional verification by ALLY before they made this wire transfer : 1. In the 5 years of having this account, I have never wire funds in excess of {$1000.00} and each wire was from the ALLY Bank account to my personal checking account, which means this transaction was 19 times more than any previous transaction.
2. This is a personal saving account why would I be purchasing goods directly from XXXX using a personal saving account.
3. The amount of the requested wire was more than 50 % of the then account value.
4. The inability to reverse international wire transfers 5. The level of wire fraud on transfers to XXXX.
6. The wire transfer appears to have been requested on a Friday and sent the same day. Given the nature and size of this transaction, I do not understand why they would not have given me at least one full business day to confirm before taking an action that could not be reversed.
I have some mental a
nd physical disability and this account represents my life savings. I am not financially sophisticated, but I do not understand how a bank could withdraw that sum of money from my account without my prior knowledge.
If you need any further information, please contact me.
Thank you in advance for your attention in this matter
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| 03/31/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
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Web |
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I have attempted to do a lease buyout of my vehicle through a dealership. After getting the payoff and submitting those checks I come to find out there was a shortage so per Ally 's request i sent in that shortage. All this started late XX/XX/XXXX early XX/XX/XXXX. Come several months later now XX/XX/XXXX I call to find out what the delay is as the dealership that made the pay off check has not received title yet, Ally tells me they can not accept the check?! this is after 3 months they decide to tell me this! And only found out because i called they did not reach out. It has been WEEKS now and anytime i call in to get this resolved i am forwarded and forwarded to a different department. Nobody seems to be able to help out or know how to deal with matter. now XX/XX/XXXX it seems it has been assigned to a gentleman named XXXX XXXX or XXXX in the lease buyout department which can be reached at XXXX option XXXX whenever i call Ally tells me i can not speak directly to the person in charge of my case and i have to wait for a callback... it has been months and during this entire process i have never once received a call back i always have to call them and ask for an update which they can never give me. Also when i call the supervisor always seems to be on break and when i wait for the break to be over they are gone for the day. For example i called yesterday XX/XX/XXXX and XXXX was on break for 15 minutes from what i was told i waited those minutes and called back only to find out he left for the day... why wasnt that communicated with me when i was on the phone with the agent. Today i call and ask for a manager or supervisor and i have been told they dont work today... again why wasnt i told that yesterday when i told Ally i would be calling back today. All i get is the run around and they never fulfill with their promises of calling back and at this point it has been 3 months and ( 1 ) there is a check lost for {$45000.00} which they claim they sent to a chase bank but when i visited said bank, the bank said they never received it. ( 2 ) there is an outstanding balance on this vehicle that should have been paid off by now and title released. After all these months of battling they are letting me know that a possible resolution would be to start over and submit new payoffs BUT AT A NEW QUOTED PRICE THAT WILL INCLUDE FEES, INTEREST AND A LARGER PAYOFF ALL BECAUSE ALLY BANK FAILED TO HAVE ANY COMMUNICATION, PROCESS A PAYOFF CHECK FROM A DEALERSHIP AND NOW LOST A SUPPOSEDLY REFUNDED CHECK.
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| 11/10/2022 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
There are 2 complaints for Ally Bank.
COMPLAINT 1 On XX/XX/22 I mailed a deposit to Ally. This is a normal monthly occurrence. On XX/XX/22 I received a call from Ally asking me for sensitive account information as there was a problem with the account. ( This is the basis for the 2nd complaint described below ).
I refused to give the requested info and then called Ally on their XXXX number.
The problem is Ally could not read the account number on the check I had mailed them and could not deposit it into my account. On a conversation on XX/XX/22 I read the Ally rep the account number. I was assured this would clear up the problem.
As of XX/XX/22, at the time of this complaint filing, the check has not been deposited to my account and there has been no communication from Ally as to its status.
I need the check deposited or returned to me.
COMPLAINT 2 This complaint deals with the method in which Ally contacted me. The initial call from Ally ( XX/XX/22 ) sounded like a " phishing '' call. The rep said there was a problem with my a/c but I would have to provide sensitive info to identify myself. That is always a warning.
Later that day Ally sent me an email to my XXXX account asking me to contact them.
When you call Ally there are inordinate wait times to reach a representative. On XX/XX/22 I called at XXXX and had a wait time of XXXX minutes before getting disconnected. I call again later and had a wait time of XXXX hr and XXXX minutes. This was the call that I was told the matter would be cleared up.
Ally has a secure web site with a " chat '' button. When clicking it over numerous days it did not work.
Also on the Ally website there is a " secure message '' feature. I used that secure message feature and have sent Ally 3 messages ( XXXX, XXXX, and XXXX ) regarding this matter. Notwithstanding there website claim of responding to these messages within XXXX days, I have yet to be contacted by Ally on this matter.
In summary, Ally engages in a dangerous " phishing call '' making people feel confident in giving sensitive account info on a phone line to a stranger. Ally has available a secured messaging system to do the same thing but does not initiate contact with the customer using this method nor do they reply to customers that use it. Ally does not allow users to converse via secure chat even though they have a chat button on their website. Ally does not provide a fast and secure method that allow customers to communicate with the bank for problems such as these.
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| 04/30/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
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Web |
|
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Re : Complaint of Breach of Contract XXXX XXXX v. Ally Auto Dear CFPB Please allow this letter to serve as complaint of breach of contract and continued discrimination by Ally Auto. In XX/XX/XXXX XXXX XXXX and Ally Auto entered into a contract for payment.
The contract is the result of a conflict that emerged in XX/XX/XXXX where Ally Auto admits they misspoke concerning an alleged amount owed by XXXX XXXX on a XXXX XXXX XXXX automobile.
Ally Auto partially corrected the billing history problem but failed to fully correct the issue and take responsibility for the financial damages it caused during months of disputes, confusion and the early reporting of negative information to XXXX XXXX credit file which they eventually removed.
In attempts to avoid litigation in XX/XX/XXXX Mr. XXXX and Ally Auto Senior Manager XXXX agreed to a financial contract.
The contract stipulates Mr. XXXX 's Ally Auto account will be brought current provided a payment was made at the time of agreement.
The initial requested payment was made as agreed.
The contract agreement also stipulates delinquent payment history for the month of XXXX and XXXX will be removed as owed amounts would be placed on the back end of the loan provided Mr. XXXX is not delinquent going forward.
Phone transcripts records will reflect Ally Auto representative XXXX repeatedly confirmed the derogatory payment information would be removed from credit bureaus as part of the agreement.
Ally Auto removed the derogatory payment history from Mr. XXXX 's credit files.
Ally Auto without explanation replaced the derogatory information causing damages again to Mr. XXXX 's credit rating.
Please note Mr. XXXX is current with no late payment since the execution of the contract with Ally Auto in XX/XX/XXXX.
In an attempt to resolve this matter Mr. XXXX disputed the information with the credit bureaus and Ally Auto did not agree to remove it. This is a discriminatory breach of contract and predatory as Ally Auto purposely is damaging Mr. XXXX 's credit in hopes of preventing refinance options elsewhere.
On XX/XX/XXXX Mr. XXXX spoke with an Ally Auto representative going by the name XXXX who stated Mr. XXXX was not eligible for a copy of the contract although the Sen. Manager XXXX never mailed Mr. XXXX a copy of the original contract as agreed. Mr. XXXX has kept accurate well documented transcripts of all calls and conversations for transparency and integrity.
The Confirmation number of the contract in question is XXXX.
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| 04/25/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
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Web |
|
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I recently had half my savings, over {$1500.00} withdrawn from my account through a fraudulent debit card transaction in a different state. I have neither lost nor had my card stolen, so when I saw that large transaction, I was worried because no one had called to tell me or ask me whether or not I was the one who spent that large an amount in one day in XXXX purchase, in a different state. I called Ally bank, who I 've had little to no issues with up to this point, my current bank with my current debit card.
Ally explained to me that the payment was used with my debit card information and that I would have to cancel my card, which I did, and request a new one. They also told me to contact the company that my debit card was used for with this large purchase to see if they could halt payment, as though that 's the consumer 's job, because they could n't stop payment themselves even though it 's pending. I do n't believe that. They also claimed they could not do anything unless the payment went through, and if it did, I 'd have to file some paperwork and wait UP TO 45 - 90 DAYS to get my money back.
Frankly this is unacceptable. I have never spent more than {$300.00} - XXXX in XXXX purchase, and they are aware of this. I was XXXX in the hospital last week when the purchase was made, so I could not have flown across the country and used my card in California. No purchases have ever been made outside my state of residence. I do not know why that would not be a red flag to this company. I requested alerts of payment amounts over {$150.00} and I feel Ally bank has both failed me and " can not do much '' to get my money back. I explained to them that I am out of work for up to 90 days because of this XXXX, so I was depending on that money to pay my bills. Frankly, I worked hard to save my money. For them to take up to 90 days, make me do all the legwork, not contact me about this fraudulent purchase, and so on, is unacceptable for a company that calls themselves a bank. I will be changing banks today, but I want my money back from Ally. I hope it will not take 90 days, and I hope someone can help me escalate this issue. Frankly I have had my debit card stolen with a real bank, with the same issue - they stole the digits not the physical card. That bank promised the fraud dept would get me my money back 7 - 10 days after the purchase went through, etc. I know how a REAL bank works, and Ally is not a real bank. I am disappointed in this service and disappointed with this outcome.
|
| 08/26/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
Ally Bank allows me to setup automatic payments to be sent to my landlord on a specific date but the date at which those funds are withdrawn from my account changes. This caused my account to overdraft. I think it's wrong that the withdraw date can change without Ally having to notify me, and I confirmed that they will not be notifying me when the date changes because it's not in their control. I also feel this is something they have the duty to be in their control since I am giving them the duty of holding my money. I have attached the chat logs as evidence of what happened, but I've done my best to explain the situation below as well. At a minimum, Ally owes it to the consumer to explicitly notify them of this practice when they are setting up automatic payments. Ally should be able to leave the money in my account until the check is deposited by the payee.
For example : My rent check of {$2500.00} is due by the end of each month. I have automatic bill pay setup to mail my landlord, XXXX, a check on the XXXX of every month to allow time for it to get to him. This is setup from a checking account with Ally. I keep this account nearly-empty because it's used to pay multiple bills and online transactions so I don't want a large sum of cash sitting in it in case it is compromised. I also keep the balance as low as possible because it doesn't accrue interest like my savings account with Ally. I have a savings account that I transfer money into this checking account automatically before the money is needed.
For the past 2 months, the money was debited from my account when XXXX cashed the check he received, which he told me he always deposits the rent checks on the XXXX of the month. So, to cover the {$2500.00} check that is written by Ally and sent to XXXX, I transfer {$2500.00} from my savings account to my checking account on the XXXX of each month to ensure the funds are available to XXXX when he deposits the check on the XXXX of the following month.
However, this past month, Ally withdrew the funds from my checking account on the XXXX because the check was to be issued on the XXXX and the XXXX was a weekend. In the past months, the funds had been withdrawn when the cash was deposited on the XXXX of the next month. Instead, they withdrew the funds a day before the check was to be issued. Because the automatic transfer from my savings to my checking account is setup for the XXXX, my account went into overdraft because my rent money wasn't in the account yet on the XXXX.
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| 05/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This letter is to follow up to my original letters dating back to XXXX that I sent through certified mail that I have proof you received requesting original documents for debt you claim is mines. XX/XX/XXXX my attorney sent a letter to you Requesting original documents again and they were never received via US postal mail or email to me or my attorney stating the time, date, or the location of where the car was sold. You are also reporting a charge off on my credit report in which youve never sent me a 1099 tax form within the legal timeframe that the FDCPA allows. All of these matters are breaking the law which is stated in the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Please be aware that any negative mark found on my credit reports from your company or any company that you represent for a debt that I dont owe is a violation of the FCRA and FDCPA ; therefore you have not validated the debt, you must request that all credit reporting agencies delete the entry. If you fail to remove these entries this matter will result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : violation of FCRA and FDCPA also including my {$800.00} rebate that you failed to pay me. I also submitted a complaint with the Attorney General and I am prepared to move forward in small claims court for damages so I am making this final goodwill gesture to allow you to correct your erroneous reporting. I have been maintaining a careful record of my communications with you for the purpose of filing the complaint I submitted against you with the Attorney General and moving forward in small claims court. You will be liable for your willful non-compliance. I am also including a copy of my complaint to the Attorney Generals Office and the XXXX XXXX XXXX. According to the law youve exceeded the timeframe to provide these original documents therefore the inaccurate entries need to be deleted from all 3 credit bureaus. I will also be sending a copy of the certified letters I sent dating back to XXXX to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. Cease your reporting of this account on my credit reports immediately. Prior to our court date that will be scheduled later if you should decide to correct your records and remove the negative and false item in question I will subsequently withdraw the lawsuit.
|
| 01/05/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I have an auto loan with Ally Financial , Inc.
My account was set up for an automatic payment. That payment was attempted on XX/XX/XXXX and was unsuccessful.
I transferred money into that bank account, went to the Ally webpage and executed a " one-time '' payment of {$750.00} on XX/XX/XXXX.
That payment was successfully processed and the money left my bank account.
Ally attempted to extract {$750.00} again on XX/XX/XXXX despite having already been paid. That transaction was returned for insufficient funds as I had already paid the car note on XXXX XXXX. XXXX charged me two separate fees of {$29.00} for two failed transactions.
For some reason, the payment that left my account on XX/XX/XXXX has not been credited to my account. I called Ally and spoke with customer service on XX/XX/XXXX and was unable to resolve the matter with Ally ( please refer to their recording of the conversation ).
I called my bank, XXXX on XX/XX/XXXX after speaking with Ally and initiated a dispute. XXXX verified {$750.00} left my account on XX/XX/XXXX and went to Ally. XXXX returned the two charges of {$29.00} for insufficient funds and was to provide Ally with proof the payment left my account. I had XXXX put a stop on Ally to prevent them from executing any additional attempts at automated withdrawals and I went to the Ally webpage and turned off my automated payment.
Ally called me yesterday, XX/XX/XXXX, and asked me to make an overdue payment ( please refer to their recording of the call ). I again explained the circumstances. The Ally representative asked that I upload a screen capture of my bank account and that image is attached to this message.
I uploaded the screenshot showing the successful payment from my bank to Ally and attached it to an email I sent them via their customer webpage.
The facts are I paid Ally {$750.00} on XX/XX/XXXX. XXXX bank verified that money left my account and went to Ally. Despite this, Ally failed to properly credit my account and continued to attempt payment withdrawals from my bank account, charged me late fees initiated adverse credit reporting.
This is a failure on Ally 's end. I executed a payment and that money left my account and went to Ally and Ally failed to properly credit my account.
I have attached a screen capture of my bank account with XXXX showing the payment to Ally being successfully processed on XX/XX/2020 and a capture of my bank statement also showing the payment to Ally being successfully processed on XX/XX/2020.
|
| 08/07/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Servicemember |
|
From XXXX of XXXX to XXXX of XXXX ally auto financing got ahold of me to inform me that I was XXXX dollars behind. I offered in XXXX to pay the entire amount they insisted that if I did it had to be by cashier check from my bank when I explained that my bank close branch office was 5 hours away and I couldn't get on from them but I was willing to get a money order from one of the local bank. I was informed that that just wouldn't work and if I was going to be difficult there was nothing else to discuss and they hung up. This repeated itself in XXXX with the agent calling me a few not so nice names. In XXXX when they called again I informed them that I was more than willing to pay in full what I owed and again the agent demanded I get a cashier check from my bank. I finally got the woman to agree to a money order from a local bank since I had to explain to her that it was almost the same because the money would be paid to the bank when I got it and then to them when they cashed it. She then said that was fine and I needed to have it overnighted I explained that I would have to wait till the first because I am on XXXX from the VA. She informed me that there was no possible way that they would wait the 6 or 7 days till the first and I was just XXXX living of of everyone else. I informed her to get ahold of there legal department before she said anything else she made a few unpleasant comments about not telling her how to do her job and hung up on me. I heard nothing else from them and they continued to take my monthly payments. Then I found out after they repossessed my vehicle this week that I hadn't been making my payment so I did some checking and discovered that they had decided to stop taking the payments on there own decisions. When I inquired as to the reason for the repossession I was informed it was because I stopped paying on it. When I checked I found emails from them that they had decided not to take the payment this i discovered had XXXX going on since the middle of XXXX without my knowledge. I explained to the gentleman I talked to and he assured me that that couldn't be possible but I insisted that he check when he did he got very quiet and just told me the name of the company that did the repossession. I asked him how they could do that and he wouldn't answer. I then informed him that I wanted all the paperwork and records that they had on my lone I gave him till Friday XX/XX/XXXX to have it to me. I have not received it nor will anyone there talk to me
|
| 06/09/2023 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
For more than a year and three months, I have attempted to make contact with the ALLY company in an effort to satisfy my debt ( auto loan ) but only after negotiating a lower, more fair final price for my situation. I have made contact and so has my lawyer as well as close family members. We are sent back and forth between different departments or call centers and none of them are ever able to directly answer my questions or help me with this negotiation. I have had the same/ similar disputes with other companies and each time we are able to achieve a resolution and come to a reasonable agreement. I am aware also that class action lawsuits against this company are common due to their predatory lending techniques and unfair treatment of borrowers.
I don't wish to pursue litigation against this company at this time. I solely prefer to resolve the situation so that we can mutually benefit from the negotiation. They receive payment of the debt and I have a written receipt of payment and derogatory information removed from my credit report. I understand a company having perhaps a staffing problem and maybe their negotiation department has been understaffed and that could explain the problem. I know however that a business is responsible for their employees as well as its " treatment of customers. I feel that I have received unfair treatment from Ally. I have wasted valuable time as well as energy and have suffered XXXX and XXXX related to the handling of my debt with this company. I have struggled to be present and mindful in both my personal and professional life. Since XX/XX/2022, I have made contact with ALLY either weekly or monthly. In XXXX XXXX XXXX I was finally sent a bill of sale for the vehicle which was repossessed and sold at auction. I have since attempted to negotiate a settlement with the company through the company 's online customer portal and by phone. All my attempts to reach someone who is willing to negotiate have been unsuccessful. The worst situations, multiple days in which I had been placed on hold by their redemption center, In house collections and ally account servicing for the entire day from XXXX XXXX cst to XXXX cst. I have also been sent straight to voicemails/answering machine to which I leave my information only to never have my call return. I feel out of options so that is why I am writing to consumer finance in hopes that something can be achieved or accomplished with reaching the ALLY company to resolve my account issue. Thank you.
|
| 08/18/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
I have had a loan with Ally Bank for my automobile since XX/XX/XXXX. I have never had a 30 day late, and in XX/XX/XXXX the bank applied an incorrect posting on my account which I was not aware of, at this time we had a dispute with XXXX XXXX due to a program that was purchased when we bought our vehicle. The plan had included having Tires paid for up to a certain amount. When we went to utilize the plan we were told that they discontinued the plan but never notified the customers. We had been advised they could pay the additional amount of around XXXX some odd dollars to us directly for the inconvenience. We were not satisfied and we advise if we would of known this was going to occur we would not of wanted the plan, we did not agree that the funding of the loan should of been charged that additonal amount and be charged interest on that balance. When I saw the amount posted to the account I assumed that XXXX sent the amount straight to ALLY instead of us. I pay additonal amounts on my account every month. When I went to pay on the website the payments showed current, and I continued to monitor the website, I paid every month. The payment was removed from my account a while later causing the account to show delinquent. I was not aware, the website that I have made every payment to was not refreshed. This caused the payment to show being paid after 30 days, I was not notified on time and once I saw it was behind I paid the account current. This is causing them to report me for 3 months being over 30 days late which was caused by their website not being updated and giving me a clear paid to date. The account is never posted with the full amount and the extra funds that I send in does n't give me a clear picture of how they are applying my funds. I have never had an issue with this institution but thier not taking responsiblity for their misposting is causing me a lot of grief with my credit reporting. I maintain good standing on all my accounts. I believe due to this error my credit has been ruined and I am not in agreement with companies being able to such things to customers. I have tried to contact them and they continue to not take responsiblity. They respond with generic responses and will not look at the situation seriously. The customer always loses in these situations and we are not treated as individuals, this company already has my money so what do they have to lose. I want everyone to know what a horrible company this is and to never get a loan with them.
|
| 05/10/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/23 I received a transfer through XXXX from my dad for {$1000.00} and another on XX/XX/23 to use as a deposit on an apartment. These are immediately available funds. I then proceeded to make a transfer of {$2000.00} to the owner of the apartment as the deposit. The transfer was unable to be processed and the app informed me to call the bank ( Ally Bank ). I called, and they said the transfer could not be verified. I spent nearly XXXX hours on the phone with them across multiple phone calls on XX/XX/23 trying to get my information verified. During one of those calls, the customer service representative hung up on me because he didnt think he was speaking to the account holder ( his words ). I was then fully locked out of my online banking account. Upon calling back on XX/XX/23 I was informed that they had frozen both my accounts, so I would be unable to use my debit card or receive any funds or use the account in any capacity. I was even told that I would not be able to verify my information via email, even though that is already a verified method of communication and has not changed in years. They then said there was nothing else they could do and the issue would be escalated to Loss Prevention.
I had not heard from Ally since then, so this afternoon at XXXX I called them again. I spoke with a customer service representative who transferred me to a loss prevention representative. That loss prevention representative stated that he would disconnect the call and call me at my contact number on file ( this was confirmed during the course of the call ). He disconnected the call, I waited 5 minutes and did not receive a call. I then called the bank again and spoke with both customer service and loss prevention again. I was informed that they had no record of me speaking with loss prevention today and that there is nothing further that can be done until loss prevention can verify my phone number.
Every time I have called the bank, I have used this number and it functions fully. My phone number was changed with the phone company on XX/XX/XXXX and shortly thereafter I updated it with Ally Bank online and seemed to have no issues until XX/XX/.
I requested that my account be closed and was told that they can not do that either until my phone number has been verified so they can properly identify me. This is now the 5th day of this issue ongoing and I need access to my account, funds, and livelihood and the bank is doing nothing to progress this to resolution.
|
| 12/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I received a copy of my credit report and I am disputing some items that need to be deleted. I have listed the account, the opening date, and the account numbers, when possible, below. The reasons why these items should be deleted are indicated below : Pursuant the Fair Credit Reporting Act, these disputed items must be reinvestigated or deleted from my credit record within 30 days. Throughout the investigation period, these items must be removed from my credit report as the reporting of items prior to debt validation constitutes collection activity.
In your investigation results, please render the names, addresses, and telephone numbers of individuals you contacted during your investigation.
Under the U.S. Code 15 1666b- Grace Periods ( b ) If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Under U.S. Code 15 1635 b- Return of money or property following rescission ( b ) When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction.
Ally Auto reported to the credit bureaus late/non payment, which is a violation of the U.S. code XXXX
I, XXXX XXXX did not give my written consent for these accusations to be reported on my consumer report. No consent is identity fraud and its also unauthorized use. Late payments are showing up on the XXXX CREDIT REPORT. Im commanding it to be removed asap.
Ally Auto applied debt to payment, which is also a violation. Attached to this dispute letter is a copy of the law.
|
| 08/19/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
My mother’s credit score at the time was low resulting in the need for a co-signer. The loan was approved only under the circumstances that I was listed as the primary on the loan.“The Consumer Credit Protection Act, 15 U.S.C. 1601 et seq., is the collection of federal statutes that protects consumers when applying for or receiving credit.”First problem previously reported to Ally Auto: the auto loan does not reflect on my mother’s credit, just mine. As a result of such practice, I cannot partake in the option to be released from the auto loan therefore, preventing my mother from establishing and or maintaining her own credit after 2 plus years of payments. “The Fair Credit Reporting Act (FCRA) and its implementing regulation, Regulation V, require that furnishers of information to consumer reporting agencies ensure the accuracy of the data placed in the consumer reporting system. Additionally, the FCRA prohibits the use of consumer reports for impermissible purposes, and it requires users of consumer reports to provide certain disclosures to consumers.”Second problem: As part of the loan agreement, the lender is required to give all parties written notification when the other party is late with a payment and or makes changes to the account/loan terms and conditions. This has not been honored by Ally since the commencement of the loan even after making several verbal request. Third problem: Both Ally and my mother reported making a payment arrangement (in both negative credit reporting situations) which is supposed to deter negative reports on my credit. This is now the second time I have had to contact customer service regarding a delinquent payment reported incorrectly on my credit after a payment arrangement was made. Not once, was I informed of the late payment/arrangement nor given the option by the Ally to make the payment.At no time during either situation of the approved and thoroughly documented payment arrangement did Ally communicate the terms and conditions of such option(via letter, email or by phone) to me as the primary borrower on the loan. As a consumer, it is imperative to be properly informed of any changes occurring that may potentially hurt my credit. Ally does not consider such practice of informing all parties on the loan of any drastic changes. Therefore, Ally has intentionally violated the terms of the loan and the regulations of the law that protects consumers from misappropriation of information reported to the credit bureaus .
|
| 03/26/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
Older American |
|
On XX/XX/XXXX I returned shoes purchased online through XXXX. I have purchased from this online retailer in the past and have also made returns with No encountered issues ever before. I have always used the same account to pay. On this occasion I used XXXX pay - but all of my XXXX services and XXXX account are linked back yo the same checking account/debit card.
However on this occasion after I dropped off the shoes at XXXX per XXXX return mechanism, I later got an email stating that my refund had been declined. I spent over an hour on the phone with XXXX and also contacted XXXX pay who both felt that my bank was the issue.
At no time did I receive any sort of verification request from my bank for the transaction- as banks do with suspected fraud. Nothing via phone text or email from Ally ( my bank ).
I called Ally ( my bank ) this morning and the representative, although very polite, offered no real explanation as to why this had happened or assurance that it would not happen again. It was not until 45 minutes into the conversation that she honored my request to speak to a supervisor who I knew could at least maybe escalate the complaint. The supervisor was again very polite and did say it was declined for suspected fraud - but could not answer why I was not contacted to verify the transaction.
I know that fraud protection exists to protect the consumer but in this case I, the consumer, have been hurt by this. Due to XXXX policy of not issuing a second refund I have to wait 8-12 weeks for a paper check. This could all have been avoided if someone would have put the customer first.
Because of this mess and no one willing to take ownership I am out of pocket almost XXXX XXXX for 8-12 weeks, which is unacceptable. For some people that amount of money would be the difference between being able to eat/pay rent or not. It is a lot of money and could be earning interest.
Ally should have a more humane process to verify suspected fraud if that is the case. I could have verified this in a manner of seconds had they contacted me instead of arbitrarily deciding that the transaction was bogus with allowing me no input. They certainly did not hesitate to take the money out of my account on the purchase end.
Since Covid I do not like to go into public or stores unless I have to. Besides, I have difficult to fit feet and needed shoes for an event. As Ive done in the past, I ordered some and sent back what did not work.
Again, Im a victim in this case.
|
| 10/21/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
Older American |
|
I have had an online checking account with Ally Bank since XX/XX/XXXX. I never opted in to overdraft protection with them, nor did I agree in writing or verbally to allow the bank to pay overdrafts on my account. At the time I opened my account with Ally the bank 's overdraft fee was {$9.00}.
On XX/XX/XXXX, a merchant erroneously charged my checking account {$84.00} via an Internet transaction. I had {$23.00} in my account at the time. Despite my never authorizing it to do so, Ally paid the debit and charged me a {$25.00} overdraft fee, nearly triple the amount to which I had agreed when I opened the account. I called the bank and the representative told me payment of the item was at the " bank 's discretion. '' According to my understanding of the law, that is not the case because I never authorized it to pay transactions that overdraw my account. I also asked why the fee was {$25.00} versus {$9.00}. The woman stated that the bank increased the fee in XX/XX/XXXX and had sent a letter notifying me. Despite the fact that I have received every single statement the bank has ever sent me, that letter mysteriously did not arrive. Nor did I receive anything via electronic mail.
I have resolved the issue with the merchant in this case, who was completely at fault. However, the issue of why Ally paid this amount and charged me a fee is not resolved. I do not want the bank to accept transactions that overdraw my account and then charge me a fee, nor did I authorize it to do so. I was illegally charged hundreds of dollars in fees by XXXX and received a {$3.00} check after it settled its class action suit for what amounted to chump change. I vowed at that time never to be victimized in the same way again. Yet here we are.
In addition to the fact that Ally should not have allowed this transaction, I was also not notified that it had gone through. The bank is required by law to tell me about all overdrafts and fees so I can take appropriate action if need be. Had I not on a whim checked my account this transaction would have stayed there until my next statement, at which time the account would have been overdrawn for & gt ; 10 days. According the the bank 's representative, allowing the account to be overdrawn for that amount of time -- even though it never notified me and it was the merchants fault, could have resulted in the overdraft activity being reported to XXXX and also negatively impacted my ability to conduct certain types of business with the bank.
|
| 03/11/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
|
I have over {$180000.00} in an Ally account and another {$1000.00} in an investment account. I have had the account for less than a year. Twice a month I had funds transferred to that account as part of a regular savings program. On XX/XX/2019, I attempted to transfer {$60000.00} out that account to pay taxes. Subsequently, I attempted to transfer {$20000.00}. In short none of the transfers went through. We spent hours on calls trying to figure out why. Then I got frustrated and I tried to close my account. Ally blocked my online access to the account. My wife and I had XXXX or more calls to them. My online access was never restored. Last Friday I was on the phone from XXXX am to XXXX pm. Finally, I was told I had to do a wire transfer and pay {$20.00}. I would receive the money the following day, Saturday, XX/XX/2019. On Saturday I called because I had not received any funds. I was told, besides what I was previously told, that there were no transfers on a Saturday. I was told I would receive the funds on Monday, XX/XX/2019. On Monday I didn't receive any funds. I called Ally who told me there was no request for a wire transfer and I had not previously contacted them about a wire transfer.
At one point, I was told by their Fraud Department that our calls were recorded. If that is true there should be telephone recordings that will verify this complaint. I believe this is intentional and a systematic design to prevent or make any large transfers of funds. They tell you there are red flags and problems that prevent the transfer. That does not explain that I have systematically transferred on a regular basis almost {$190000.00} into their bank. The first time I tried to withdraw money its been a nightmare. At this time I still have not been ale to get one dime out of Ally.
Even if this is one big series of mix ups, their lack of support and customer service is terrible. You have long wait times. Often I am on the phone and then I get disconnected. I often spent over an hour on hold. I would then get transferred and then that person would put me on hold. Because everything is online a customer is powerless to do anything other than call back when they are disconnected and get back into the queue. When I would ask to speak to a supervisor then each supervisor seemed irritated that I asked to speak to them. They would tell me there is nothing they can do because I had to talk to another department. Ally is the worst bank I have ever dealt with by FAR.
|
| 08/30/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
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On XXXX XXXX, I XXXX XXXX tried to make online payment to Ally Financial online payment system. I received an error message stating site unavailable and to try again. I was nearing a 60 day late payment status but on the XXXX I was not 60 days late. After repeated attempts to make payment online, I went to a XXXX location and made a expedited payment to avoid a 60 day late reporting to my credit bureau and also because I was in the process of purchasing a new home. I Sent the payment of {$550.00} via XXXX around XXXX and as I normally do when I 've sent payments via XXXX , I would call the payment into Ally to advise them of the payment made and Ally would call XXXX and verify payment was indeed made. I called and spoke to a representative after payment was made and as normal, Ally Representative called XXXX and verified payment using the confirmation that I provided to representative. The representative then documented my account information with verification of payment. I then called ALLY on the XXXX XXXX, 2016 just to make sure payment was posted properly and to be reassured that I would not get a 60 day hit on my credit because this would indeed deny my loan. I spoke to an Ally manager - XXXX XXXX, who I express my concern about getting a 60 day late hit to my credit reports and she reassured me after I thoroughly explain to her with leaving any information out pertinent to the payment that I would not have a 60 day hit to my credit and that when ALLY reports, they report current status of account. I was hit with a 60 day, my loan was denied, my credit rating dropped and I after attempting to escalate this matter to the escalation manager, I 've only been told that a manager would return my call. No manager has returned my call and I have tried escalating this matter to the Ally Corporate offices only to be told that they would send information to Customer Service, but customer service is not being cooperative and at times unnecessarily rude. I am seeking to have all negative information that ALLY has provided to any and all of the XXXX credit bureaus corrected to a positive status at this point due to the XXXX, pain and suffering, and punitive and malicious acts of Ally. I am also requesting this to be escalated to a senior executive level and NOT to the unwilling and rude customer service department and I have been patiently seeking help from in the past. I have spent hours on the phone with ALLY which has been a complete waste of my time!
|
| 10/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American |
|
XX/XX/2021 I have applied for a mortgage loan to refinance my first and second mortgage on XX/XX/2021. I used bankrate.com to find the best rate based on my credit score and I chose Ally Bank.
I was directed to Ally Banks website which I learned later on that it was Ally Bank Powered by Better! After I entered m y information, I received a call from Ally Bank employee who reviewed my application and credit score ( FICO XXXX was chosen as the middle score ). He told me that in order to lock the rate, Ally needs a credit card and payment for the appraisal. I received my rate lock ( loan lock ) sheet the same day for a jump loan at 2.375 % interest rate.
I gave my credit card information to Ally Bank. I got a call from XXXX ( Ally Banks appraisal service ) within a day or so, and by Saturday of the same week ( within 2 day ), my home was appraised.
I continued receiving multiple documents request, as tasks, and I continued completing all tasks. I was assigned a loan processor in California and continued to work with XXXX XXXX
The appraisal came at $ XXXX and the XXXX was very low.
XXXX XXXX XXXX tasks and submitted the package for underwriting review.
I received another loan lock sheet from Ally Bank and they added to the points telling me that the points would be higher since I am combining my first and second mortgage ( HELOC ) into one loan. I went back-and-forth with Ally representative by finally gave in so that my loan would go through.
Initially I had indicated to Allys representative that my loan was in forbearance during Covid-19. The representative indicated that that was not an issue. I wrote Ally a letter and explained everything at the beginning as well.
All of a sudden, I was told by XXXX that their underwriting department has not approved my loan due to number of credit inquiries as well as missed payment! This was very strange to say the least because I was never asked to explain anything about these issues.
Ally refuses to honor the rate although I have EXCELLENT FICO score and payment history. I feel like they have found an excuse not to honor the rate since the rates have gone up! My attempts to reach out to someone have gone unanswered. I keep receiving email confirmation from my Ally Banks loan processor, XXXX that my case is escalated to their Executive Customer Relations. I have not heard from anyone although I have repeated called and emailed them.
I want Ally Bank to honor that rate that they have locked me at.
|
| 02/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
My vehicle was stolen in XX/XX/XXXX in XXXX. About a month after I left for XXXX on a government contract in XX/XX/XXXX. I had a dispute with the insurance company, XXXX, over an inspection that was suddenly required after I called to update my address in XXXX, after I already was in Texas preparing to deploy.
Turns out by the time the vehicle was taken, the coverage was dropped without my knowledge in the form of notice and the claim was denied. I notified the lender of the insurance claim as well and I continued making payments every month with auto pay.
Fast forward to XX/XX/XXXX, and the vehicle was recovered by local law enforcement. I was still away, so my father was notified and then told me to call the local impound, sunshine towing. where they told me either I had to fly back personally and retrieve it or release it to my insurance. Which I did not have since the car was stolen ; the insurer later dropped me.
A family friend in the insurance industry told me to make a complaint to the state and see if they can help. I did not want to risk a lien on my account. Florida investigated, then later found in my favor that an inspection was not required and that XXXX had to honor the claim. I was emailed this notice in XX/XX/XXXX. ( I have the emails and memo XXXX My lender, ALLY Financial, took payment from me in XXXX and XX/XX/XXXX. I have the bank statements to show for it. They later claimed I was delinquent and sent a threatening letter to my mailing address instead of any other form of contact despite the fact I had called and updated them that the insurance claim was on going.
According to Ally, because the vehicle was impounded, they had the right to call in the loan within 30 days dated back to XXXX when the vehicle was first recovered. Despite taking my payments and my dialogue with them about the insurance claim.
They promptly canceled my XXXX payment and my installment plan. And later reported my account as a charge off just days after receiving a settlement check.
I have a memo from XXXX laying out the timeline of the claim. Considering I had to hand sign documents and mail them from XXXX. I had no control over how long the paperwork and processing of a check took.
I have disputed the charge off with each credit bureau showing the XXXX memo. I have asked ALLY Financial for an adjustment considering I hadnt missed a payment and I was overseas. They have ignored my pleas and insisted on their arbitrary company policy
|
| 09/01/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
I sent Ally Financial two previous requests for them to return to me my monetary instrument and followed that up with a QUALIFIED WRITTEN RESPA REQUEST. I sent this via Certified Mail and the first page is seen here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX [ XXXX ] ALLY FINANCIAL Attn : Notice of Mistake c/o XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Certified Mail # : XXXX XXXX XXXX, 2016 RESPA QUALIFIED WRITTEN REQUEST, COMPLAINT, DISPUTE OF DEBT & VALIDATION OF DEBT LETTER, TILA REQUEST This letter is a ''qualified written request '' in compliance with and under the Real Estate Settlement Procedures Act, 12 U.S.C. Section 2605 ( e ) and Regulation X at 24 C.F.R. 3500, and The Gramm Leach Bliley Act.
REF : MIN XXXX, XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX Dear Madam or Sir : I am writing to you to complain about the accounting and servicing of this mortgage and my need for understanding and clarification of various sale, transfer, funding source, legal and beneficial ownership, charges, credits, debits, transactions, reversals, actions, payments, analyses and records related to the servicing of this account from its origination to the present date. I am the SOLE AUTHORIZED ADMINISTRATOR for the PERSON noted as XXXX XXXX XXXX and I am the sole creator and owner of the monetary instrument Promissory Note for the account and property listed above. I requested that you return my property to me and you refused to do so. There is no statute of limitations on fraud.
Potential fraudulent and deceptive practices by unscrupulous mortgage brokers ; sales and transfers of mortgage servicing rights ; deceptive and fraudulent servicing practices to enhance balance sheets ; deceptive, abusive and fraudulent accounting tricks and practices may have also negatively affected any credit rating, mortgage account and/or the debt or payments that I am currently or in the past, or may be legally obligated to. I hereby demand absolute 1st hand evidence from you of the original uncertificated or certificated security regarding account number MIN XXXX, XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX. In the event you do not supply me with the very security it will be a positive confirmation on your part that you never really created and owned one. I also hereby demand that a chain of transfer from you to wherever the security is now be promptly sent to me as well. Absent the actual evidence of the security I have no choice but to dispute the validity of your lawful
|
| 06/04/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
Servicemember |
|
THE MLA WAS VIOLATED THE MLA WAS VIOLATED THE MLA WAS VIOLATED. It should be known I was in the military.Ally financial and XXXX XXXX of XXXX violated the military lending act. I joined the military XXXX XX/XX/XXXX and my contract ends XX/XX/XXXX. The car was purchased in XX/XX/XXXX, therefore I am a covered borrower.
Did you notice that she didnt investigate the MLA which was violated.
I need to be compensated for all the damages that occurred + XXXX for down payment.
In the contract as a military member I was financed XXXX XXXX The XXXX needs to be investigated, also I didnt received any disclosure about the Military Lending act. Please note if this complaint doesnt get resolve after this complaint. I will be contacting the Military JAG and also the Florida Attorneys General XXXX XXXX Under the XXXX version of the interpretation of the Military Lending Act ( MLA ).
MLA and Q & A # 2 The MLA prohibits creditors from charging more than a 36 percent military annual percentage rate ( XXXX ) on credit transactions to covered persons. It also, among other requirements and restrictions, prohibits taking the title to a motor vehicle as security for a credit transaction, unless the creditor is a federal or state bank, XXXX XXXX, or XXXX XXXX. However, the MLA exempts several types of transactions from those restrictions, including a credit transaction to finance the purchase of a motor vehicle or other personal property when the credit is secured by that vehicle or property.
In addition to regulations, in XXXX the XXXX issued interpretive guidance on the MLA in the form of questions and answers, and amended that guidance in XXXX. XXXX question-and-answer in the XXXX guidance ( Q & A # 2 ) advised that when a lender extends credit in excess of an items purchase price ( such as a hybrid purchase-money and cash-advance loan ), the loan is not exempt from the MLA. Initially, Q & A # 2 was limited to secured personal property loans. However, in the XXXX amendments mentioned above, the XXXX stated that the interpretation applied to secured motor vehicle loans, too.
Accordingly, based on the XXXX Q & A # 2, an auto purchase loan that included XXXX XXXX would not be exempt from the MLA or its regulations, unless the lender was a depository institution. Since those loans would be deemed subject to the MLA, they would not only be subject to the 36 % XXXX limitation, but also to the prohibition against securing the transaction with the vehicles title.
|
| 11/21/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
I leased a XXXX XXXX through Ally Financial and returned the car to a dealership on XXXX XXXX, 2016. I was surprised to receive an invoice for three excess wear items on XX/XX/XXXX. I called the phone number listed and was told someone would get back with me. I did not receive a message back from the new department until XX/XX/XXXX. I called back several times and left messages but did not receive a call back. I again called the general number and was given another number to try. On XX/XX/XXXX I spoke with XXXX who informed me that the vehicle must be sold at auction before anyone could have a further conversation around how to resolve our dispute. She stated these matters are not handled with her department. She asked if I had seen the photo 's from the inspector ( which I had and saw no evidence of damage ). she then pulled up the file herself and noted she could not see anything as " there must have been a glare ''. XXXX asked about the previous repair noted in the detail and I explained there had been no previous repair or need. I asked her what the process would be from this point and she said once the vehicle was sold at auction these charges will be handled by the asset recovery center.
I was eventually contacted by the asset recovery center and contested these charges. They got back with me eventually and removed the bed liner item related to " previous repair '' but said the other two would stand. I explained that I did not see adequate evidence to support their claim. What followed was literally a year of constant phone calls to my home where the callers had no interest in discussing the legitimacy of the debt. I corresponded with Ally on XX/XX/XXXX after receiving a NOTICE OF INTENT TO REPORT NEGATIVE CREDIT INFORMATION but they ultimately turned my account over to collection with XXXX XXXX. I spoke with XXXX and told them I did not consider the debt to be legitimate and responded to the XXXX notice with a note and a copy of my Ally correspondence. XXXX charged off the debt and reported it to the credit monitoring agency which resulted in a significant drop in my credit score.
I never received adequate evidence to support excess wear. I am XXXX years old and have leased many vehicles and never had an issue in the past. I do not understand why they would not discuss the matter until after selling the evidence. I was told the third party inspection service is not paid on commission but this certainly has me wondering about that.
|
| 09/25/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
On XX/XX/2019, a fraudulent transaction of {$540.00} was made from my checking account. The transaction was made to XXXX. I called XXXX the same day, and they said my debit card had been used. I did not use my debit card. The withdrawal had not been made through my XXXX account, but from someone else 's XXXX account who had fraudulently used my debit card information. My debit card had not been stolen, and I still have it. Someone apparently used my debit card info to make a XXXX transaction. The person 's name is XXXX or XXXX XXXX. I reported the fraudulent transaction online to my bank as well, which is Ally Bank. They immediately closed my debit card and issued a new one. It is XX/XX/XXXX, and Ally Bank has not given me a credit or provisional credit for the money stolen for me as required by Regulation E. XXXX told me that they reversed my transaction on XX/XX/XXXX and sent the money back to Ally Bank. I just received a letter today, XX/XX/XXXX, from Ally. The letter is dated XX/XX/XXXX. The letter states that " the disputed transaction was processed through a third party payment processor, XXXX. Therefore, the transaction is considered a merchant dispute and provisional credit is not provided, '' which I presume means they believe the transaction is not governed by Regulation E. I read this letter to XXXX, and they stated the judgement in this letter is incorrect. This is not a merchant dispute, and the transaction was a fraudulent transaction governed by Regulation E. It would only be a merchant dispute if I authorized the transaction. As I didn't authorize the transaction, it's not a merchant dispute, and is governed by Regulation E. Ally Bank knew or should have known that this was a fraudulent transaction because I told them on XX/XX/XXXX that it was. The fact that they immediately closed and mailed me a new debit card indicated that this was their understanding as well. I do not understand then why they are stating this is a merchant dispute, and why I don't have a provisional credit. I also don't understand why the {$540.00} is not back in my account if XXXX reversed the charge on XX/XX/XXXX. I called Ally Bank, and the agent said he did not see evidence of the money being sent back to them by XXXX on XX/XX/XXXX. He stated that he was forwarding a request to the Executive team, and I would receive a response in about 4 business days. Ally Bank is not in compliance with Regulation E, and the money should be back in my account.
|
| 10/30/2017 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
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Web |
|
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In XX/XX/XXXX, I purchased a car ( XXXX XXXX XXXX ) with a trade-in of my XXXX XXXX. In XX/XX/XXXX, bills seemed to pill up, as I was not getting a raise for 3 years now, so I had to do what was best for me and my family. I explained to Ally my difficulties. In XX/XX/XXXX I explained to Ally that I could make a payment on XX/XX/XXXX, they agreed to it, but after I made my payment, Ally repossessed my vehicle on XX/XX/XXXX. After a few months, Ally contacted me with the balance due, which I thought was high. A month or two later, XXXX contacted me regarding the Ally account, we made a settlement for {$8000.00}. I made a payment, then maybe 2-3 months later, XXXX XXXX XXXX called, stating they had the Ally account. I first took them to be scammers, based off what they were saying and their manner of speaking, but I found out they were working for Ally. We made a settlement for {$6600.00}, I made bi-weekly payments in the amount of {$150.00}. I received a notice for court, but I did n't understand why, because I was already making payments. The notice stated that my case with Ally had been dismissed and closed. This is when the payments stopped. I noticed Ally on my credit report in XX/XX/XXXX. I have been contacting them since to have it removed. It shows Ally balance due $ 12000+. Attached you will see all I have gone through in trying to pay off this debt and have it removed from my credit report, immediately. Ally 's collection attorney 's have lied to me, forged my signature, and Ally is a huge part of this. XXXX XXXX XXXX requested my paystubs and bank statements ( 2 of each ), my monthly budget, and a statement stating why I would like to settle ( {$2000.00} ). I did this twice this month, already. The first time for {$500.00} and the second time {$2000.00}, neither time has Ally contacted me with an answer. I searched the Better Business Bureau and found similar issues with Ally Financial as well as XXXX XXXX XXXX. I also searched your consumer search and found that Ally was sued for discrimination against XXXX XXXX, XXXX, and XXXX XXXX for overcharging on auto loans, as I believe I was in the beginning to have traded an SUV to get a XXXX XXXX. I was never sent a settlement package in that particular case on discrimination. I would like to have this debt deleted on my credit report. This has been a huge burden on me. I have been chasing Ally, XXXX XXXX XXXX as well as XXXX XXXX XXXX in order to make payment and resolve this matter.
|
| 06/12/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Refund anticipation check
|
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Web |
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|
It it is extremely troubling that a institution that is handling millions of people 's personal information, not to mention their money would be extremely negligent and irresponsible and allow a person to walk into their establishment with a check that isn't issued to them. How can you allow a person, in this case, XXXX XXXX to endorsed and deposit a check that was issued to me. Obviously, the names and address aren't the same! This is a gross injustice and Ally Bank must answer for this breach of trust and their failure to completely scrutinized this transaction by this thief, before allowing him to deposited a check that isn't his, especially without any proper identification. What type of legit financial institution would allow this to happen and instead of taking responsibility for their failure to check the credential of individuals depositing, or taking out money from their establishment?.
In addition, it is extremely frustrating that the IRS, who are supposed to have their own investigators failed to, or neglected to take this matter seriously. In fact, I did the job that the IRS investigative team should have done, but failed to do. as I XXXX the name of the bank that was on the photocopy check that the IRS sent me. I was told by various supervisors and representative at Ally Bank that this thief XXXX XXXX was a customer. After many more correspondences with member of Ally Bank 's Lost Prevention Department, they apologized to me for their egregious error. In addition, they told me that they closed XXXX XXXX 's account, once they relied it was a case of identity theft. However, they told me that I can not do anymore on my own because I am not a customer, instead the IRS must contact them, in order to retract the money that XXXX XXXX illegally deposited and they irresponsibly allowed. The IRS decided to deny me the {$9600.00} refund that I am owed, instead they took out {$6.00}, XXXX from the check that was stolen by XXXX XXXX and deposited into his account at Ally Bank. I am being held responsible for the crime that XXXX XXXX committed against me and the gross negligent by Ally Bank in allowing him to endorsed a check that wasn't addressed to him. I was only refunded {$3.00}, XXXX. This isn't right and I implore the IRS to do the right thing and give me the money that I am rightfully owed. I look forward to hearing from you soon and receiving my entire refund check. I would like to thank you for your time and cooperation!
|
| 05/20/2021 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Banking errors
|
|
Web |
|
|
In XXXX Ally Bank offered a 1 % bonus on all net new deposits ( XXXX XXXX XXXX ). I followed the steps and received the email indicating that I had registered for the bonus. I followed the link in the email and deposited {$25000.00} of net new funds into a 13 month CD in order to receive the 1 % bonus ( {$250.00} ). Per the terms of the bonus, I did not remove any funds until the holding period had passed. However, at the end of my CD term, I did not receive the bonus as a payment into my Ally bank account or as part of the final CD payment, which matured on XX/XX/XXXX.
On XX/XX/XXXX I reached out to Ally via their secure messaging system on the website for information. I received a same-day response indicating that the email address I provided did not match what was on my profile. I responded that same day and attached the bonus signup confirmation email, which shows that I had received the signup offer to the same email address as my user profile 's email address. I received no response for several weeks.
I contacted Ally Bank via their online chat service on XX/XX/XXXX to follow up to this issue. The representative made a note of the issue, but I did not receive any other resolution.
I then contacted Ally Bank again via their online chat service on XX/XX/XXXX. This representative was able to research further. She noted that there were two different email addresses stored in the system ( my college email address and my personal email address ). However, on my user profile I can only see and update my personal email address ; the college email address appeared only on screens that she was able to access. Apparently the bank bonus system was checking against my college email address ( which I had used earlier in my 10+ year relationship with Ally Bank / GMAC Bank XXXX but had changed ), rather than my current email address shown on my user profile. As I have no way to update that college email address in any screen that I am able to access, it makes no sense to be held to that as the only email address valid for the bank bonus, especially when I purposely registered with the same email address that is currently shown on my Ally Bank profile. At the end of this chat the representative indicated that she would notate and escalate this case. I indicated that if I did not receive a response by XX/XX/XXXX I would be filing a CFPB complaint. I did not receive any further communications.
On XX/XX/XXXX I filed this CFPB complaint.
|
| 11/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
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Web |
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This is a complaint to Ally Financial , Inc for violating multiple laws in regards to the following account # XXXX. I had filed a cfpb complaint against this company to which they had responded that I had sign the contract. However, in Ally Financial , Inc terms and conditions they agreed not to share my information with non affiliates to which they stated the the credit bureaus is an affiliate. XXXX, XXXX, and XXXX is not an affiliate of Ally Financial , Inc because they are NOT " credit bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. If they believe otherwise, I demand that they send me proof that those consumer reporting agencies are indeed bureaus and it must be written in federal law. Additionally, I demand to be sent the book entries security of this account to validate this information. If they can not provide this, then they must remove this account from all consumer reporting agencies such as XXXX, XXXX, and XXXX, and any and all other 3rd party agencies. Further more, this company is violating the fair credit reporting act, to be more specific, 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( Ally Financial, Inc ) making the report. Pursuant to 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( Ally Financial, Inc ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. There are two inaccuracies with this account. The first is both XXXX and XXXX are reporting two completely different information which is already grounds for removal. The second inaccuracy is that this account is marked as a charge off / cancelled debt and that can not be reported due to the fact that the IRS considers charge off as income. So in addition to validating this debt by sending me the book entries security, I am now requesting a copy of my 1099c that was filed when this debt was canceled/ charged off on XX/XX/2021 as I never received it. Lastly pursuant to the fair credit reporting act, to be more specific 15 USC 1681b, This also serves as my consumer instruction to remove this account from my consumer reporting a.k.a credit reports.
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| 12/17/2021 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Can't close your account
|
|
Web |
Older American |
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I opened two accounts with Ally Bank on XX/XX/XXXX of 2021, depositing {$5000.00} into an interest checking account and {$5000.00} into a savings account. I received a debit card in the mail.
After a few weeks I tried my first transaction, which I think was a small debit card purchase. My account was immediately locked for suspected fraud... I received notification in the mail.
I phone Ally Bank on XX/XX/XXXX and aske for the fraud department, where I encountered " XXXX, '' a XXXX XXXX XXXX XXXX XXXX employee who would tell me nothing and only said he would send a document upload link via email, then hung up on me.
I uploaded all the requested documents, then waited several weeks. Nothing happened.
I called back and spoke with XXXX in fraud prevention. She was apologetic, but said none of my uploaded documents were in the file. She didn't know why. She sent me another upload load and promised to track the case to ensure quick resolution.
I never heard from XXXX.
Several weeks later I called again and spoke with XXXX in fraud prevention. She said none of the documents from either of the two previous uploads were in the file and offered to send me yet a third upload link, but I insisted she stay on the line to verify receipt. We did three sets of uploads, she confirmed she had all the documents from all the uploads, she said they were more than sufficient to prove my identity ( all of these included a photo of me holding my passport, etc. ), and that this would be resolve within 24 to 48 hours.
I never heard from XXXX.
Weeks later, I called and spoke with a customer service agent who could not transfer me to fraud prevention but said she would try to get someone there patched into the line. She was on hold ( as was I ) for about 40 minutes, then she came back on the line. She said the person she spoke with in fraud prevention would not speak with me, told her not to reveal his or her name, and said someone would reach out to me within 24 to 48 hours, then hung up on the customer service agent in his own organization. She was embarrassed.
No one ever contacted me. So I filed a complaint with the XXXX, who forwarded my complaint to your agency on XX/XX/XXXX. I haven't heard from you, so I'm filing a complaint directly here.
Your upload system wiped out my entire complaint a few minutes ago, so I've retyped all of this again. Please contact me, and I will provide you with a XXXX link to all the relevant emails.
|
| 11/01/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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On Monday my car was removed from my apartment complex when my mother called me to see if If I was home and where I had been all day.i am three months behind on my car note but have been more than six months last year behind on my car note and caught up this year due to my pending XXXX case in regards to my XXXX XXXX XXXX. I did call ally they told me I would not be able to get my vehicle back unless I paid over XXXX. I explained to them once again in all the times I had been late that I am pending an Ssa case and receive XXXX a month. I originally took out my loan in XX/XX/XXXX. In XX/XX/XXXX I was taken off of work and notified ally in XXXX and XXXX for an XXXX XXXX. I am in the process with my attorney XXXX XXXX filing my appeal XX/XX/XXXX for my Ssa claim. I lost my job and have been reviewing long term payments since XX/XX/XXXX and continued to catch my car up when I could and always when I have got my taxes as this company has refused to help me refinance. In XXXX of XXXX I was behind, they contacted my mother my father my cousin XXXX XXXX, my aunt XXXX XXXX as well as my cousin. XXXX XXXX to leave them messages for me to contact ally. Since when does ally get all my families information and why are they contacting cousins aunts and parents regarding my loan? This is illegal as they are not the consigned of my vehicle and they continue to call me and then call me mom whose number is listed on the XXXX. In XX/XX/XXXX my payments became long term and went through XXXX solutions of XXXX XXXX. During my pending XXXX case every time I have spoke to them they would add to back of my loan or I would have to catch it up as always. I receive XXXX a month and XXXX total after taxes are taken. Ive told them number kid times I was pending XXXX from XX/XX/XXXX to current and that after taxes I the XXXX a month yet they continue to not work with and now have my vehicle. I have told them that my federal student loans were waived and they continue to not refinance but even now call my moms phone or my dads but then get XXXX with me for a XXXX pending Ssa case. I do not feel it is fair and feel I have been violated since my local XXXX doesnt help clients with children to catch required vehicles items during a disbaility. I called preferred XXXX where I originally bought the car to see if I had XXXX insurance or gap. I spoke with XXXX who even agreed to help refinance my car for lower payments at the dealership I went to XXXX miles away.
|
| 05/08/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
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Web |
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We leased a XXXX XXXX through Ally Bank ( which is now the main leasing financial bank for XXXX ). During the time we leased I was caught up in a photo enforced traffic light in Washington DC. DC DMV sent the ticket directly to Ally as they were the title holder and never sent it to me the leasee. Ally is extremely slow with their internal processing and finally sent me the ticket info almost 60 days after they received it. This was in XX/XX/XXXX when the ticket happened. I immediately contacted DC DMV and asked for the photo which they could not produce. I submitted a formal letter to them disputing the ticket which was in process. By the time Ally sent me the information the ticket went from {$150.00} to {$300.00} due to 30 day time limit to pay ticket. If I was informed in a reasonable time frame I would have been able to not only get out of a fraudulent ticket but also save {$150.00}. Ally then paid the ticket, locking me into paying the fine. I have a totally clean driving record with no tickets and had my entire family in the car. I do NOT run red lights ... .. I tried calling customer service many times to resolve. They will not send to a supervisor. I sent a formal letter with all of the information and they never responded. I finally bought out the lease in XX/XX/XXXX through a XXXX Dealership where we originally leased the car. They called Ally and got a complete buy out for the car. I got a loan, paid Ally and got the title for the vehicle. Once again, months go by and Ally sends me a bill for {$310.00}. I now have the car, title, bill of sale and Ally is looking for more money. I have tried every avenue to resolve and at lease get them to pay the {$150.00} due to their poor internal processes that created late information transfer. No one would talk about it, only tell me that I owe them this money. Recently they sent me a letter threatening to send me to collections and report me to the credit bureau. I have 800+ credit. I paid them their money but want no one else to deal with this bank. I have recently found quite a few more people that have had similar problems with them. One person I work out with recently leased a car. Their slow processing sent her the first bill in the mail ten days after it was due and charged her a late fee. Once again rude customer service and no escalation process to dispute. They are pushing their inefficiencies onto consumers without recourse and threats of ruining their credit.
|
| 02/14/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
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Web |
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I informed my bank that I was having XXXX and had to pay over {$3500.00} and would not be able to make my payments until I was recovered. I called on XX/XX/2017, and after being told incorrect information several times while trying to pay {$800.00} of {$1400.00} owed, I was finally told I had to pay by XXXX which has a large fee. I asked if I could just pay the full amount on XX/XX/XXXX, they said that was fine & also said they would change my payment date from the XXXX to the XXXX. Then, they repossessed the vehicle on XX/XX/XXXX. I paid the full {$1400.00} plus {$400.00} in fees on XX/XX/XXXX - I called same day to confirm they received the XXXX. payment and to ask about the amount of fees and if my payment date was changed. On XX/XX/XXXX, I got my car back and called again because my online access to see my payment history was still cut off & I still did n't know breakdown of the repossession charges. They said payment would post soon, my payment would change to XXXX, I would get a letter with the breakdown of charges, and my online access would be restored. On XX/XX/XXXX, I got a call saying my payment was late, I said it should have been changed, they said they had no record, but the guy put in the request for the payment change on the phone, said it was granted. I asked how I would know for sure, so he gave me a confirmation number for the payment date change and said I could make the payment on the XXXX no problem. On the XXXX, they said my payment was late and I was being charged a late fee. I asked why my payment date was n't changed, they said it was only effective after I made the payment. I finally got the letter regarding the repossession fees charged in XXXX and gave a written response to the letter demanding a breakdown and receipt of the charges ( even though I had already requested one by phone ). I never received the breakdown of charges. On XX/XX/XXXX, Ally began calling me again saying my payment is late and when told about the CONFIRMATION number for the payment change, said they see nothing on file or saying that it was n't approved. My mom 's and my credit scores have dropped, I have had to pay fees that Ally Auto will not tell me what they are for or provide a breakdown despite sending me a letter quoting law which says I 'm entitled to that information. I have now paid nearly {$1000.00} in fees which Ally refuses to give an accounting for and if I do n't pay, they will repossess my vehicle again.
|
| 03/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
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I financed a vehicle through Ally Financial. The vehicle was totaled in XXXX. My insurance company contacted Ally, obtained the payoff amount and paid off the loan. Ally cashed the check on XX/XX/XXXX and released the lien on the title. My insurance company sent me a copy of the payoff check and a new, clear title issued in my insurance companys name by the state of Texas on XX/XX/XXXX. Three years later, Ally contacts me on XX/XX/XXXX claiming that I still owe one more payment. I thought it was a scam because the loan was paid off years ago. I got a call and a letter dated XX/XX/XXXX. They claimed that my insurance company never requested an official payoff, so the loan was not paid off. Instead, Ally deducted payments from the {$15000.00} check for three years and at the end, claimed I still owed one more payment. My insurance company tried to help me and made 3-way calls to Ally to try and get it resolved, but the insurance company eventually bowed out because Ally has done this before. My insurance company now has a policy requiring payoffs in writing because of this very problem with Ally. I spent 20+ hours trying to resolve the issue before finally paying the $ 400+ because collectors at Ally threatened my credit. They sent me another title in XXXX releasing the lien ( that was released years ago ). Lo and behold, I later discovered that Ally reported that I had 30 and 60 day late payments. When I contacted them, Ally claimed they could not resolve this with the credit bureau. I disputed these late payments with the credit bureau, and Ally still maintained that I was 30 days late. The credit bureau sent me to FTC.gov.
I do not believe I owed the debt, but I paid it anyway to save my credit from showing a collections while I got it resolved. I think Ally had a paperwork error in XXXX and is trying to make me responsible for their error. My insurance company ( XXXX ) handled the total loss transaction, so I do not have the records or memory to prove what happened in order to get the late payment removed from my credit. Regardless of whether the debt was owed, it was paid 3 weeks after they initially contacted me on XX/XX/XXXX, so it couldnt possibly be late. According to Ally, they were sending me electronic notices through an Ally online account that I never checked again after XX/XX/XXXX because I was told that the loan was paid in full. That is not sufficient notice to report late payments to the credit bureaus.
|
| 05/26/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
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Didn't receive terms that were advertised On XX/XX/XXXX, I saw this 1 % bonus promotion on Ally bank website and you can get a Cash bonus of 1 % of the new money you deposit into Eligible Accounts at Ally Bank up to a maximum of {$500.00} cash bonus. FYI, here is the link to the full terms of the promotion on ally bank website https : //www.ally.com/getpaidWe Here are the basics of the promotion. If you dont already have an Eligible Account at Ally Bank you must open an Online Savings account, Money Market account, or Certificate of Deposit ( CD ) at Ally Bank using the offer code getpaid by XX/XX/XXXX. 3. Move at least {$1000.00} of New Money from an account at another financial institution into an eligible Online Savings account, Money Market account, or new CD at Ally Bank by XX/XX/XXXX. 4. Keep the New Money in your eligible Online Savings account, Money Market account, or CD at Ally Bank through XX/XX/XXXX. 5. Keep at least one Ally Bank account open and in good standing until we deposit your bonus, on or by XX/XX/XXXX If youve followed the eligibility requirements, we will pay your Cash Bonus on or by XX/XX/XXXX to an Ally Bank account you own.
So according to the terms, 1. I opened a new Money Market account on XX/XX/XXXX using the offer code 'getpaid ' on ally bank website. 2. I transferred {$10000.00} into my new Money Market account on XX/XX/XXXX. 3. I kept the {$10000.00} through XX/XX/XXXX. I did not receive my {$500.00} bonus on XX/XX/XXXX. I still have my Ally Money Market account open.
Since I completed all the requirements of this promotion, I am supposed to get the maximum {$500.00} cash bonus but I didn't get the bonus as promised on XX/XX/XXXX. I contacted Ally bank on XX/XX/XXXX about this bonus and was told they opened a case and it will take 7 business days to investigate. But I still didn't see the bonus after 7 business days. I contacted ally bank again on XX/XX/XXXX, this time I was told they have no turn-around time frame for the case and they don't know how long it will take to resolve. I requested to talk their supervisor and the supervisor told me there are more than XXXX people having this issue and they don't know when my case will be reviewed or how long it would take to resolve. This is not acceptable. I completed all the requirements of the promotion, so I should get the bonus as promised by ally bank on or by XX/XX/XXXX. It is now XX/XX/XXXX and I have still not received my bonus.
|
| 07/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
This dealership XXXX XXXX ( located in XXXX, Fl ) is completely dishonest. They will do anything to make a sale or profit. Even if they have to lie to you. Prior to making the purchase on XX/XX/2023, my husband and sat down with their finance guy XXXX and had a chat with him prior to signing anything and prior to making the purchase. I specifically told XXXX that i'm okay with making the purchase in cash but him and the sales guy XXXX continued to convince me to apply for credit with them telling me I need to build credit and so on. I specifically asked him how my credit would be affected if I decided to go ahead with credit. I told XXXX and XXXX that I will not authorize or give my signature for a credit check if it results in more than XXXX hard inquiries on my credit report. XXXX then promised me and assured me that it is only going to be XXXX inquiries from XXXX XXXX XXXX and it will NEVER be more than XXXX inquiries and I have nothing to worry about and that I should go ahead and sign to authorize him to do the credit check. He assured me of this over and over. I then went ahead and signed. I got home and saw XXXX inquiries on my credit report. He knowingly lied and mislead me for my signature. I gave him a call and he denied it at first claiming that it's only XXXX inquiries and I then told him that I can very CLEARLY see XXXX inquiries on my credit and only then did he finally admit it, claiming that he made a " mistake ''. A few days later, his XXXX XXXX explained to me how the credit check process works and it was pretty clear that he knew what he was doing and it wasn't a mistake. He just wanted to do whatever it took for me to get a loan with them so they could profit.
After that, their sales XXXX XXXX claimed he was going to make this right and he was going to help me get the inquiries removed. A month later I told him that the bureaus just want a letter from the dealership detailing the mistake and asking to remove the inquiries and that would be the end of this entire situation. But for some reason, at that point he began to deny their mistake and began refusing to assist with the letter to remove the inquiries, and he was claiming that he thinks i'm recording him. Which is ridiculous. I don't understand why they're so worried about fixing this mistake. Why they're paranoid about being recorded even though I was not recording them. Something very shady is going on with that business. That is clear.
|
| 04/27/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
We currently have an auto loan with Ally Financial, Ac ct number XXXX . Vehicle XXXX XXXX XXXX purchased in XXXX . This journey started for us when we were in the process of purchasing a home and our credit report reflected o ver 16 past due payments being reported b y Ally Financial. Now, how is it possible that we would have 16 pa yments, 30 days past due and still have our vehicle. Immediately, I got on the phone wit h Ally Financial to explain what we found on the credit report. The representative then informed me that it our payment was current, but we had {$700.00} in late charges. At this point none of this made any sense, so I then filled a credit dispute. The documents I provided was the entire account payment summary, the account transaction summary which shows the date and time we logged into the system to make a payment. I also sent Ally Financial a ce ase and desist notification via account messaging, due to unsolicited phone calls with inaccurate account information. The response to that letter was to call customer service. At this point my only request was for account verification because we did not owe {$700.00} in late fees, and a billing summary showing when we were considered late. On XX/XX/XXXX Ally Financial mailed us a payment history summary reflecting late charges in the amount of {$250.00}, AND reported our account as a charge off. We submitted a dispute about Ally falsely reporting a charge off, when the account is actively being paid and that was removed. Keep in mind, as of today XX/XX/XXXX our credit report still reflects that we were late 16 times and owe {$700.00} in late fees. In XXXX we were charged late fees when we were on a 60 day, followed by a 30 day extension. In XXXX we have XXXX late fees although we were on a 30 day extension for XXXX and the other was paid on time. In XXXX from XXXX until XXXX ally financial report that we were XXXX consecutive days late. Again, how is that even possible when we still have our vehicle and the transaction summary shows that we made our payments. The same applied for XXXX where we were reported late 6 times with XXXX consecutive 30 day past due. According to the total paid amount we paid off close to the balance of this loan back in XXXX of XXXX {$38000.00}, why are we still showing as having payments in XXXX ? We have tried outreaching, we have mailed letters and still there has been no resolve.
|
| 03/21/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
I am an existing customer of OLLO Card Bank and have been for over six years now. My account is and has always been in good standing, no late payments, normal card usage EX : gas, restaurants, retail shopping, grocery, etc. I received a letter over a month ago stating that they wanted me to upload a picture of my social security card AND my unexpired government ID ( drivers license/passport ). I originally felt this must be a scam as what financial institution would ask you to send them a COPY of these documents. First, I had to provide them with my social security number when I opened the account, so they already have this information, and I again have been a six plus year customer of OLLO Card. I immediately called the company thinking this must be a scam, although the letter did have their actual phone and address on the letter. The customer service rep could not explain why I would get this letter but she would have someone follow up with me. They never did, and I then got an email from them stating that time was running out and my account would be closed by XXXX if I did not send that info in. I called back only to have another rep tell me it is a law, and only a small percentage of customers are asked for the data. However, he could not tell me " what law '' it was. I have never ever from any other financial company that I have other credit accounts with have been asked to provide actual copies of my information. This seems VERY SHADY to me. I have asked other people I know if they have ever heard of this, and so far I have found no one who has ever been asked by there bank to send this in. If I had been asked as a new customer to send in copies I could have declined to do business with them, but as a six plus year customer to now ask me to send in this is very concerning. I told the guy I was fine with my account being closed as I certainly do not feel comfortable in doing business with them, but I want to report this bank and their requests. Everyone knows how much identity theft there is today and that you should protect your information as well as possible. Why would I or anyone stand to be asked to provide these documents. I was not sure who to report this to, but if you could publish so other consumers avoid OLLO Card Bank I would appreciate, as this is not a law that I can find, and I know for certain that it is NOT normal practice of any other creditor I have ever had.
Regards, Concerned Consumer
|
| 09/25/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
When I started having problems with my vehicle payment to Ally Financial , Inc. due to being a XXXX and being forced to resign from my job because I was XXXX, I contacted the company and have worked with them during the past year or so and they have worked with me up until now because before I lost my job I had a good payment history with them.
Recently, my account was about XXXX months delinquent and I scheduled XXXX payments online that I thought I could make. One was for {$400.00} and the other was for {$300.00}.
On XXXX XXXX I realized that I was not going to be able to make those payments and I contacted Ally by phone and requested a XXXX month extension. I informed the representative that I spoke with about the pending payments and asked if I still needed to pay those and she said since the request had been made for the extension that I could cancel those payments.
After getting off the phone I canceled the two scheduled online payments.
I later received an approval letter from Ally for my XXXX month extension stating that I owed {$230.00} which must be paid within 20 days of the XXXX XXXX date of the letter. I paid {$300.00} on XXXX XXXX and thought everything was OK.
However, on XXXX XXXX my vehicle was repossessed. When I contacted Ally about this I was told that the 2 month extension had been canceled because I canceled the two pending online payments. However, those payments were canceled before the 2 month extension was processed and there should not even have been any record of those payments in Ally 's system. They should not have factored into the calculation. I was never notified of a pending repossession or of the cancellation of the extension.
I had to pay {$1600.00} to get my vehicle back, which was supposed to include all outstanding charges at that time, including late fees and repo charges, which I should not have had to pay anyway. Now, they are trying to make me pay the late charges ( {$190.00} ), Repo fees ( {$350.00} ) all over again and those charges are due immediately.
No company should be able to arbitrarily do whatever they want just because they have the power to do so and negatively affect a person 's credit and cause undue XXXX and XXXX distress. I am asking for your assistance to resolve this matter because my vehicle should never have been towed in the first place, Ally reneged on their own agreement, and now they are trying to force me to pay for duplicate charges.
|
| 11/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
From XXXX I made various attempts to change my last name with Ally Financial. I was directed to call the XXXX customer service line because I need to, and quote " speak to another department ''. After making these attempts, when payments would try to clear my account they were getting rejected because the name did not match. XXXX XXXX sent me a letter stating if anymore ACH transactions tried to clear under the name " XXXX XXXX '', my account would be frozen due to fraud security which in fact did happen. After making several attempts to pay balance in good faith ( with available funds ), Ally Financial denied taking payment via over the phone with debit card. Once a few payments were made with Ally Financial via XXXX XXXX and XXXX XXXX, the fee charged through those entities were requested to be posted to the balance owed on the loan. Ally Financial refused to post the amount to the loan. And in the contract between myself and Ally Financial does not state that I have to pay XXXX XXXX or XXXX XXXX using debit is also a way of receiving secure funds, and Ally Financial denied payment of the loan using this method. Also, no communication via letter, required by PA state law was sent certified by mail in regards to repossession of the XXXX XXXX XXXX, not to the garaged address nor my husband 's former address where they attempted to pick up the automobile.. Then the company attempted to repossess the automobile twice without notice, after refusing to take payment via debit card by phone method or via Ally Financial App. After hiring an attorney, Ally Financial stated they could not speak with me, and would need to speak with my attorney. And after providing my attorney 's information, they stated they did not have it. I had to provide her information several times before any attempts to contact her was made. After one call to my attorney 's office, a call from my attorney was returned to no avail. 1 call to my attorney was made after several months of attempting to make payments using my new legal name and giving Ally Financial my attorney 's information. My attorney even wrote to Ally Financial via using their customer service emailing method and again no return email of phone call. After giving the company avid time to respond to my attorney, and stated that if the company did not respond in the allotted amount of time they would forfeit any amount owed. No response to me or my attorney was received AT ALL.
|
| 10/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Ally Auto loan XXXX initiated contract date XX/XX/XXXX was paid in full as agreed in the amount of {$15000.00} on XX/XX/XXXX prior to the 72 mos contract date. Ally was initially contacted on XX/XX/XXXX and was told we had to wait until the payment cleared on XX/XX/XXXX for it to be removed from credit report. I called back on XX/XX/XXXX and was advised that i missed the XXXX reporting of XXXX but that it would be sent XXXX to all credit bureaus and not to dispute the account or balance. I called on XXXX and was told that it was sent on XXXX. I checked with all 3 credit bureaus on XXXX and was told nothing was received and that creditors send monthly reporting in electronically and it would hit their system in " real time '' and show on my report. i contacted ally again on XXXX and asked to speak with a manager after I was told I would have to wait until the end of the month for it to be reported. The manager apologized and said she could send me a paid in full letter and creditor letter via email- i received the paid in full but was unable to view the creditor letter. She also said she would send a request over to their credit reporting team to see if there was an issue and follow up with me. I called back XX/XX/XXXX after I checked with the credit bureaus and was told XXXX received the account was paid in full as agreed but XXXX and XXXX had not received notifications since XX/XX/XXXX for XXXX and XX/XX/XXXX for XXXX. I was told by Rep XXXX I needed to wait until XXXX for Ally to send notifications to those credit bureaus and that she saw the request from XXXX sent by the manager and that there was an update done XX/XX/XXXX.
I asked to speak with a manager and was transferred to XXXX who said the she would send an updated request to the credit reporting team but that it could take up to 45 days for them to review and resolve. At this point, I have submitted disputes with the credit bureaus and included supporting documentation and was told the company is not responding. I am submitting a complaint to XXXX and CFPB as I believe the company is intentionally misrepresenting my credit account with them and are violating credit reporting guidelines indicating there is a balance owed. As indicated, I have reached out to the company numerous times and have received no resolution within the appropriate time frame and am being penalized for paying my account off early prior to accumulating high interest charges.
|
| 05/20/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
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On XXXX XXXX, 2022, my landlord issued a bill for utilities. I then subsequently used Ally Bank 's online bill pay to pay for this bill. This check was scheduled to arrive by XX/XX/XXXX. However, this check did not arrive by that date. Noticing that this check did not arrive on time, I called Ally Bank. They and I both agreed on that phone call that the check was lost in the mail. As such, this first check was cancelled and re-issued to my landlord. My landlord received this reissued check on XX/XX/XXXX 2022. On XXXX XXXX, 2022, a month after its original delivery date, the original, now cancelled check, was received and cashed by my landlord.
This cancelled check bounced, and my landlord charged me a {$35.00} bounced check. I called Ally Bank on XX/XX/XXXX22 to request they cover this fee charged by my landlord, as it is unreasonable for an online bill pay check to arrive a month after its due date. The first agent hung up on me. The second agent listened to me, and took my details down. Originally, she told me she would create a case, and give me a case number for this whole ordeal. After talking to her manager on how to continue, they gave me a portal to submit proof of this fee to. This agent said that I was all set after submitting this proof. This agent also informed me that I would not be assigned a case number for this situation. I then asked her if there was a way to obtain a case number, to make sure I could track this situation 's progress.
After another hold, she told me gave me entirely different steps. Now on the phone for nearly 1.5 hours, she now informed me that Ally would not cover the {$35.00} fee unless I first submitted payment and sent receipt of the payment to Ally. Keep in mind, I had already at that point submitted proof of being billed {$35.00} for a bounced check. Had I not pushed for a case number at the end of the call ( which I still was not provided ), I would have never known that I needed to submit this payment upfront for reimbursement. The agent on the phone reassured multiple times I was all set, and that prepayment was not necessary, until I pushed for a case number at the very end of the call. I understand mistakes are made, but these misleading actions are incredibly unprofessional. This bait and switch process was incredibly frustrating. It is incredibly unreasonable for an online bill pay check to arrive an entire month late past its scheduled delivery date.
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| 07/14/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I, am that I am, the consumer in fact, natural person, original creditor, lender, executer, administrator, holder in due course for any and all derivatives thereof for the surname/given XXXX XXXX XXXX and I have been appointed and accepted being the executor both public and private for all matters proceeding, and herby claim that I will d/b/a XXXX XXXXXXXX XXXX XXXX, and autograph as the agent, attorney in fact, so be it.
Whereas I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following fact, so be it, now present.
Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit.
Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it.
Fact, Affiant is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX XXXX XXXX is in violation of 15 U.S.C 1605 ( a ) ( c ) This transaction includes a finance charge, and the finance charge includes insurance which protects the creditor against the obligor loss and or property damage.
XXXX XXXX XXXX XXXX XXXX did not include my insurance in my finance charge, instead they requested an insurance policy to satisfy the requirements for the use of the credit extension.
Fact, Affiant is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXXXXXX XXXX XXXX is in violation of 15 U.S.C 1605. A finance charge is the sum of all charges in a consumer credit transaction, and it does not include cash. XXXX XXXX XXXX XXXX XXXX in fact required a down payment and took cash in the amount of {$12000.00} dollars. The finance charge listed is not the total of all money paid for credit ; it excludes the interest paid over the life of the loan and all processing charges. The annual percentage rate is not the true rate of interest for money or credit available to the borrower. The annual percentage rate was not calculated using the total finance charge ( including all extra fees ).
Fact, Affiant is aware and has proof in attachment labeled as exhibit A, B & C XXXX XXXX XXXXXXXX XXXX XXXX is in violation of 15 USC 1611. XXXX XXXX XXXX XXXX XXXX XXXX willfully and knowingly failed to provide/disclose information required under the provision of 15 U.S.C 1601. They are now civilly liable and criminally liable.
|
| 04/17/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
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Web |
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I was a member of a gym ( XXXX XXXX in XXXX XXXX XXXX ) that I prepaid for an entire year in XX/XX/XXXX. Then, in XX/XX/XXXX, I rented a locker from the gym on a month-to-month rental agreement for the rate of {$35.00} per month. I voluntarily prepaid {$380.00} through their online system in order to not have to pay monthly. However, by XX/XX/XXXX, I realized that I could no longer be a member of the gym, due to logistics and scheduling issues. I requested that the gym cancel my membership and reimburse/refund the remainder of the locker fees ( {$310.00}, calculated as {$380.00} minus {$35.00} XXXX minus {$35.00} XXXX ). The gym ignored me for some amount of time, then stated by email that they considered the locker payment to somehow be a membership payment : " Those 2 payments in question are both considered paid-in-full memberships even though one was somehow applied to a locker. We can not issue refunds on paid-in-full memberships. '' Following this, the gym stated " The best way to handle this is for you to dispute the locker invoices for the months not used, plus I think there was an accidental charge today of {$70.00} while the girl was looking over your account, and I will not fight the dispute if it looks right. '' ( They were clearly just trying to keep the money and make it difficult for me to get it back. ) Subsequently, I filed a dispute with my bank, Ally Bank, stating the same and providing the documentation enclosed with this complaint. Inexplicably, Ally Bank refused to resolve the dispute in my favor, even though : ( 1 ) the gym stated that they wanted me to dispute it with my bank and that they would allow the dispute to rule in my favor ; ( 2 ) the gym 's continued possession of the {$310.00} is a breach of contract and a violation of contract law ( as it was a month-to-month agreement where I voluntarily prepaid for 12 months ) ; and ( 3 ) my bank has an obligation to address issues of fraud and, since the gym made a written admission as to the fraudulent categorization of the monies paid, this dispute involved fraud. Despite all of my best efforts, Ally Bank repeatedly and willfully misconstrued basic facts, duties and obligations, and the law. Even though I haven't had a locker with the gym since the end of XX/XX/XXXX ( having terminated my month-to-month rental agreement ), the gym has unlawfully kept {$310.00} of my money and Ally Bank has refused to act appropriately.
|
| 06/04/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Older American |
|
I bought a XXXX XXXX XXXX XX/XX/XXXX. I have never been late on payments. On XX/XX/XXXX I called Ally Financial and told them that I was going to pay the vehicle off in full no later than the middle of XX/XX/XXXX as I was receiving a small trust. I asked that I not make a payment in XX/XX/XXXX and that they please be flexible and not charge me a late fee as I was going to be paying the car off. The woman I spoke to, XXXX, spoke with her supervisor and then told me that would be fine. She told me the payoff would be # XXXX and to add {$4.00} each day until I paid it off. On XX/XX/XXXX, I received five phone calls from Ally Financial. I called them back the same day. A man started telling me I owed them a late fee. I told him I did n't and I had already spoken to .... at which time he interrupted me yelling over my voice so I could n't understand anything he was saying. I kept trying to tell him there was no late fee, blah, blah, blah, and that I had already worked this out with Ally Financial, but he would not let me say two words. He continued to drown me out for several minutes. I finally told him, " SHUT UP. '' He would not be quiet. After several times of telling him to shut up and listen, he finally shut his big abusive mouth. I explained. He said, " You do n't owe a late fee forXX/XX/XXXX, you owe a late fee forXX/XX/XXXX '' I told him I did not. I hung up on him. This was the first I 've heard of this. My Credit report shows that I have never been late and that I have a perfect record with them. I 'm making an attachment of the coupon to pay that they send me although I pay on line. I 'm telling you something needs to be done. As soon as I turned XXXX years old, I have been lied to, harrased, intimidated, abused by one creditor after another when I do not owe them the money they claim that I do. I have other things to do with my time then sit around on my phone when I 'm genuinely trying to find out what the hay these trained abusers are getting at. If I were a XXXX year old man, they would n't be doing this to me.
Please, please, do something. You will be getting two more complaints from me from other companies. As soon as these companies think there 's a chance that we seniors are suffering from dementia or are easily intimidated, they all jump on the bad wagon. This is so incredibly cruel and bad and I think any company that does that needs to be put out of business.
|
| 07/25/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
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I leased a XXXX Jeep Cherokee through Ally Bank on XXXX XXXX, XXXX. The Capitalized Cost Reduction, as shown on the lease contract, was {$7000.00}. The Adjusted Capitalized Cost at the beginning of the lease, and the total amount financed by Ally Bank, was {$26000.00}.
On XXXX XXXX, XXXX the vehicle was stolen and was later recovered with damages. The vehicle was then taken to XXXX XXXX in XXXX XXXX to be repaired. On XXXX XXXX, XXXX, the vehicle was involved in a fire at XXXX XXXX and was deemed a total loss.
The lease contract clearly defines the Unamortized Capital Cost of the vehicle as being synonymous with the lease payoff amount prior to the end of the lease term. Using the formula provided in the lease contract, the lease payoff at the time of the total loss was {$25000.00}.
On XXXX XXXX, XXXX, XXXX XXXX determined the Actual Cash Value of the vehicle at the time of loss as being {$28000.00}. On XXXX XXXX, XXXX, XXXX XXXX faxed Ally Bank a request for a Letter of Guarantee with a settlement amount of {$25000.00}.
Rather than sending the Letter of Guarantee, Ally Bank stated that they would need to see the vehicle valuation report before issuing the Letter of Guarantee to insure that the settlement amount was for the full Actual Cash Value of the vehicle at the time of loss.
Ally 's Total Loss Department claimed that, per the terms of my lease contract, the insurance company owed Ally Bank the full value of the vehicle so that Ally could replace their car. However, nowhere in the lease contract does it say in the event of a total loss that Ally Bank would be owed the full Actual Cash Value, the full Fair Market Value, or the full settlement amount paid by insurance.
After receiving the vehicle valuation report, Ally Bank felt the valuation was too low and demanded the valuation be increased before they would issue a Letter of Guarantee. On XXXX XXXX, XXXX, XXXX XXXX provided Ally Bank with an increased vehicle valuation of {$29000.00}.
On XXXX XXXX, XXXX, Ally Bank finally provided XXXX XXXX with a Letter of Guarantee stating that they would release the title of the vehicle upon receiving settlement a check in the amount of {$29000.00}.
The settlement amount Ally Bank received for the total loss exceeded the lease payoff at the time of loss by {$4000.00}. While Ally Bank profited from the total loss of the vehicle, I was left with nothing to put towards replacing it.
|
| 07/12/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
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As of XX/XX/2022 at XXXX est. ALLY, ALLY FINANCIAL INC.has violated my consumer rights. Not only has a cease and desist letter been verified of being recieved by corporation or corporation agent via U.S postal mail service on XXXX XXXX. I requested documentation of debt validation, as well as other documentation that was never recieved. ALLY, ALLY FINANCIAL INC PROCEEDS TO VIOLATE MY RIGHTS UNDER THE FAIR DEBT COLLECTION PRACTICES AS WELL AS TILA FULL DISCLOSURES AND MUCH MORE. ALLY STATES THAT NO PAYMENTS HAS NOT BEEN RECIEVED SINCE XXXX OF XXXX XX/XX/2022 OR XX/XX/2022. XX/XX/2022 On a recorded line spoken with an agent to help with matters and make sure account status was accurate under the COVID CARES ACT. I was told that doesnt apply to them as well as they would provide a curtesy of account ending in and paperwork would be sent via mail to me. All payments sent to ALLY ALLY FINANCIAL INC. was sent via US Postal mail service certified with tracking and return slip. I was informed during the call that no payment was recieved and the informed we take XXXX XXXX XXXX XXXX etc or bank draft. I refuse to give them access to accounts. During this dispute I stop allowing them access to my account so once my cease and desist letter came about ALLY proceeded to restrict my account access causing stress and extortion of payment. According to 18 usc 894 is in deed in violation. As well as included I never gave consent to ALLY TO FURNISH A NEGATIVE REPORT ON credit reporting agencies as they have marked derogatory comments and fraud on all account status. This has cause me so much stress all because I requested documents of contract validation of debt.
On XX/XX/2022 ALLY ALLY FINANCIAL HAS REPOSSESSED PROPERTY OF ( CONSUMER T ) and has stated that they repossessed due to non payment. I have proof that payment in fact sent and receive they continue violated my rights according to 18 USC 891/894 extortion of credit this has hit the ultimate stress and I will hold them criminally liable for violations as well as pain and suffering it has caused. ALLY FINANCIAL INC according to 15 USC 6802 violation of sharing my personal information with third parties As well as invasion of privacy 15 USC 1692 15 USC 1681 FAIR CREDIT REPORTING ACT RIGHT TO PRIVACY 15 USC 1691 EQUAL CREDIT OPPORTUNITY ACT DISCRIMINATION 12 CFR 226.23 RIGHTS TO RESCISSION 15 USC 1692 ( e ) FALSE AND MISLEADING DECEPTIVE PRACTICES
|
| 05/08/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
On XX/XX/XXXX, we paid off our mortgage through a refinance. We did not have an escrow account for taxes and insurance, but during escrow, the payoff was overestimated, which resulted in an overpayment of {$3600.00}. This overpayment was deposited to an impound account.
I already knew that there would be a large overpayment, I had been watching and waiting for the refund. I did receive a letter from the mortgage company stating that if there was an overpayment, they would be refunding it within their regulations and guidelines.
By accident, I found a letter posted in my on-line account dated XX/XX/XXXX entitled Annual Escrow Account Disclosure Statement. {$3600.00} was deposited into the impound account. In addition, interest in the amount of {$4.00} was added for a total of {$3600.00}. In addition, there was a copy of a voided check in the amount of {$3600.00}. I assumed that I would receive this check within one to two weeks.
On XX/XX/XXXX, I called the company. They verified that the check was cut and believed that it was mailed between XX/XX/XXXX and XX/XX/XXXX. They told me that it takes a long time to get the mail from XXXX XXXX to XXXX. I asked what are the steps if I don't receive it. They said that if I don't receive it, they would put a stop payment on it and reissue the check, but that I have to wait at least 30 days from when it was cut to request this.
I find this situation unacceptable. There was never a late payment on this account, and the mortgage company 's loan has been more than satisfied. I think it's reasonable to wait 30 days to get a refund, but I do not believe it's reasonable to wait an additional 30 days or more to actually get the money. As long as I do not have the check, the mortgage company has the ability to have use of the money. I also think it's abnormal for even the US Post Office to take a month to deliver a check. I know that's never happened when I receive my bills. The company representative also told me that this happened to another customer and it took over 3 weeks for her to receive a refund. I am suspicious that the company may have a process to hold mail back to enhance their profit while continuing to date their letters and checks to look as though they're compliant with their regulations. The entire process from loan origination back in XXXX until this closing will keep us from ever pursuing a loan of any type with this company.
|
| 01/27/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
On XX/XX/XXXX I scheduled a payment online to Ally Bank. I had done one payment for XXXX and then scheduled another payment for XXXX at the same time because I was going to distribute the payment over XXXX different accounts. I went back in and edited the payment back to my original account after receiving my XXXX bonus. I tried logging on XX/XX/XXXX to check and make sure everything worked out and could not log into my account because Ally was updating their website and no one could access their account online nor were any representatives available from XX/XX/XXXX through XX/XX/XXXX because of the holiday. I finally got a representative on XX/XX/XXXX who gave me a reference number XXXX and said she saw that I did indeed make a payment. I also explained to her that Ally was reporting my payment as late and because of their error my credit protection monitoring sent me a message that my credit dropped XXXX points. She told me to call back on XXXX XXXX and give the ref. number and speak with a supervisor. I called back XX/XX/XXXX and was told to call back on XX/XX/XXXX they were still working on my case. Om XX/XX/XXXX I called back and the matter was resolved my payment schedule was update and Ally also reported this to the credit agencies. I made my next payment on XX/XX/XXXX and I also my XXXX free credit reports. I am a single mom who wants to buy a home, works full time and XXXX so I have been working very hard on building my credit. I saw that Ally had reported the payment I had called and resolved again as late. I put in a dispute through my free credit report agencies and uploaded the information that showed the resolving of my matter. In the mean time I had called back in hopes that I could resolve the matter with Ally and talking to a supervisor named XXXX who I told check my payment record I was told in the notes it said I paid on time and I also printed my payment list. She was very rude and told me there was nothing she could do. I checked my payment history after speaking with her and she had gone in and changed the history to make it look like the second half of my payment was late which I consider to be fraudulent. I am attaching the history on XX/XX/XXXX which reflected my on time payments made on XX/XX/XXXX. I am asking that my payments be corrected to reflect the correct payment history and that my credit be restored to what it reflected after XX/XX/XXXX. Thank you
|
| 06/16/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I purchased a Truck from XXXX XXXX XXXX in XXXX XXXX ... they procured my financing through Ally financial. I have never heard of this company and their logo is purple so getting a call from an unknown company asking you for {$800.00} you would be a little wary. Calling XXXX XXXX various times only left me with numerous " I 'll let you know who your loan is through '' not real answers ... not an actual name, account number, nothing. I sent {$250.00} to test the company first. Seemed to check out so I sent the remaining payment. They break down payments as the following : Date Payment Amount Description for Payment Type Code Finance Charges Late Charges Other Charges Total Paid XXXX/XXXX/2016 {$310.00} Outside Bill Pay {$98.00} {$0.00} {$0.00} {$410.00} XXXX/XXXX/2016 {$280.00} Outside Bill Pay {$120.00} {$0.00} {$0.00} {$410.00} XXXX/XXXX/2016 {$360.00} Outside Bill Pay {$48.00} {$0.00} {$0.00} {$410.00} XXXX/XXXX/2016 {$490.00} Online payment {$67.00} {$0.00} {$0.00} {$560.00} XXXX/XXXX/2016 {$0.00} Outside Bill Pay {$250.00} {$0.00} {$0.00} {$250.00} Their Finance Charges as you can see change daily!?
I agreed to no higher than 6 % interest and the way they creatively have this set up I 'll end up paying $ XXXX for a $ XXXX truck.
I looked into refinancing, thinking please XXXX XXXX save me ... They pulled my information and let me know that they have been reporting me late on my payments ( even though I have not been ). Now they lowered my score so I 'm stuck with them. What a scam. I have never agreed to this! I never signed paperwork with this company the last thing I was told through XXXX XXXX was I was dealing with XXXX XXXX for a loan ( my own bank ). I called on XX/XX/XXXX16 and talked with XXXX asking for any explanation and a review of the credit reporting. I 'm sure they will say it was late the first month or they will have some creative excuse, but I can not pay a bill I had never received, to a bank I have never heard of, with an account I did n't know I had. I am livid. They charge daily interest so if I pay a month in advance will I not have this? Its worse than " late fees '' XXXX forbid if it will actually be late. There a significant difference in their fees and it is not what I agreed to. I still have n't received a paper statement once. ( I was informed that they send me email ones. ) I feel like this is the biggest regret of my life. I can not afford this.
|
| 02/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
As a federally protected consumer, I am hereby expressing my right to privacy and this an OPT OUT NOTICE per 12 CFR 1016.7. I am now opting out and rescinding any and ALL authorization, I the consumer may have given you. I mean ANY and all consent whether it be written, unwritten, verbal, implied, and non verbal is revoked per 15 USC 6802.
Per the FCRA 1681b ( a ) states that " In general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instructions of the consumer to whom it relates '' Therefor any furnisher of information to credit agencies and the consumer reporting agencies do not have my consent to furnish this information, and they surely do not have my written consent.
According to the Privacy Act of 1974, the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, " NO AGENCY shall DISCLOSE any record which is contained in a system of records by any means of communication to any person or to any agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. You have violated both the FCRA and also the Privacy Act of 1974 Per the FCRA 15 USC 1681a ( 2 ) Exclusions, a report containing information solely as to transactions or experiences between the consumer and the person making the report ; Therefore REPORTING transaction history is illegal.
Also you are not reporting Fair and accurate reporting to my consumer report.
Please comply with my DEMAND regarding the removal of the account immediately, being that you have continued to violate my rights as XXXX. You are reporting a charge off/cancelled debt which is considered income. XXXX is not reported on a consumer report. I have suffered mentally and emotionally. This is not my first complaint. You have a full understanding of the violations. You are aware you are breaking the law. Immediate action will take place Per the FCRA 15 U.S. Code 1681n for willful noncompliance.
Remove account immediately this account is not in compliance with the FCRA fair and accurate reporting.
ALLY FINANCIAL XXXX
|
| 07/14/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
To whom it may concern, On XX/XX/23 I made an ACH payment to OLLO, a credit card company, to pay off my credit card, which totaled {$3700.00}. When I tried using my card to purchase food at a grocery store, the transaction was declined. When I called OLLO, they explained my account was on " Restricted Mode '' because decided they wanted to flag my account for having made a large payoff transaction. They said " it was an unusual pattern. '' The number I have called is XXXX, where I was transferred to a " Dispute Engagement '' department. Upon speaking with a representative, they verified my information but claimed when they tried to verify if the my bank account through XXXX bank, my bank would not supply proper verification to their standard. This was very alarming since I have made many payments for up to a year using that same bank account.
One representative stated I can fax or mail a letter of authorization to OLLO, then another representative stated " only XXXX bank '' can fax or mail a letter of authorization on my behalf. This is a type of client/attorney requirement that is unusual. This was confirmed when I spoke to a banker from XXXX on XX/XX/23, he stated that XXXX bank does not send or fax any such letter, that the only thing they can do is print out a " Deposit Account Balance Summary '' that shows my bank account number, name, and a stamp from the local bank where the document was produced.
Today, I called OLLO and they refused to accept the only paperwork that XXXX can legally produce per their request. The OLLO representative insisted on a letter with specific words that XXXX bank does not supply any of their customers for account verification purposes.
I believe the credit card company, OLLO, is not happy that I paid my account and they do not let me access my online account. Their claim that the payments may be coming from an unauthorized account is bogus as evident of today 's autopayment charge they made to my account for the amount of {$120.00}.
If they were concerned about fraud due to the size of the payment, why did they accept it then restrict the account? If they are concerned they account I have been using for the last 12 months is not mine, how come they processed an autopay today? If they were really concerned for fraud, why did they still process the large payoff amount?
Please help. Thank you so much for your attention to this matter.
|
| 03/20/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
Servicemember |
|
Hello, Im a XXXX veteran unemployable. My wife and I were able to purchase a brand new car from XXXX in XXXX Delaware. We received the car in XX/XX/2016.Approximately 2 months later we received the loan papers from Ally auto financial company. They were requesting 2 payments right away, and the third payment was coming up due shortly. The 2 payments would have been $ XXXX {$460.00} ( upcoming 3rd payment ) .To speed up this story, I have been in constant contact with them. This week XX/XX/XXXX, I spoke to my loan manager, XXXX . I advised her I will make a payment within 2days. On Saturday morning XX/XX/XXXX, at XXXX I spoke to a XXXX ( male ) and he transferred me to the payment line. I made payment and received a confirmation number. Before he transferred me I advised him, the same thing I told XXXX. I said after this payment, I would make a payment on XX/XX/XXXX. Approximately 2 1/2 hrs later, my car was being repossessed! I spoke to the tow truck operator and he obviously saw I was XXXX. I advised him I paid for the car earlier and I need to go back into my home and get the company on the phone and I would get the keys. Approximately 2 minutes later, I returned to the outside and my car was gone and you can see on the loose rock the car had been dragged! I did not find and business cards anywhere. I spoke to a female who answered the phone for Ally, she said she had no idea why this happened!? She tried Call XXXX the repo company. Unable to? I need help desperately. I respectfully request your help. FYI : I had constantly informed different call takers I am a XXXX veteran. I. Said I got the loan papers 2 months after the car was bought and I asked if the 2 months could be placed on the back end of our loan. I was told, I would have to have 6 months paid, before they could even consider the request.?? Therefore, Im 2 months behind. I believe the loan company is a bad practice business and they need to be dealt with. They are bullies. I understand I need to pay my bills, but how can I pay when the company is setting me up for failure!!!!!! On the other hand, the repo company acted in a bullish, destructive manner. I am a XXXX and proud to have done so, but I did not fight for bullies and loan companies who place consumers in a failure modeMy XXXX took pictures of the loose loose stone. Please help me. I need to have my XXXX drive me to my points in the car. Thank-you.
|
| 04/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
I went to XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX. Upon arrival, I went as a walk-in and spoke with the salesperson by the name of XXXX. Went through the process of picking the vehicle and test drive and filled out the paperwork. The vehicle that I chose is the XXXX XXXX XXXX XXXXXXXX with XXXX Package. Stock : XXXX VIN : XXXX. I informed the salesman that I was there to make a consumer credit transaction and that I was putting XXXX dollars down as it wasn't required to do so because my transaction was a CCT consumer credit transaction I also informed the gentleman that I was well aware that I am the original creditor, and I shouldn't be denied and an extension of my own credit because I'm providing my Social Security number and my name.
After filling out the paperwork, I asked him to submit it to the banks he did so and came back with a denial. I asked him politely to please give me the number phone number of the underwriter who denied my application. He said he can not give me the phone number of the person who ran my credit check my credit, ran my name, and denied my extension of credit. He couldn't give me the phone number so I can speak to him and find out why I was denied to perform a consumer credit transaction. I then requested the phone number once again from XXXX again he told me he can not divulge the underwriter 's phone number. I will have to wait for a letter in the mail for 7 to 10 business days which will tell me why I received a denial and that this conversation is over, and we can no longer speak any hung up the phone on me very rudely. It's clearly written that we as the consumer have the right to do consumer credit transactions, perfectly legal, which is what I am trying to do to acquire the vehicle for my family. I have a wife with XXXX kids and I need a family car.
15 US code 1611 states whoever willfully and knowingly, yes false, or inaccurate information or filter, freight information, is required to disclose under the provision of the subchapter or any regulation is issued under. Also, 15 US code 1681 ( K ) adverse action states the term offer of credit that will be honored if the consumer is determined, based on information in a consumer report on the consumer to meet specific criteria, used to select the consumer for the offer, except that the offer may be further conditioned on one or more of the following verification.
|
| 12/09/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
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On XX/XX/2022 I opened a Checking and Savings account with Ally Bank. Immediately after opening the account I transferred {$250.00} via XXXX into my new Checking account. The next morning on XX/XX/2022, I received an email that my account had been locked and I needed to call Ally to fix it. I called right after receiving that email, and the person on the phone told me that logins were attempted on my account from another country and they had locked the account for that reason. I was told someone from the Fraud department had been assigned and I would receive a call back within XXXX business days.
I did not receive a call back, and had to call again myself. I was transferred to the Fraud Department and they told me that I would need to provide photos of my Driver 's License and Social Security card in order to unlock my account. At this point I decided I no longer wished to bank with Ally, and asked that they return my funds and close the account. The person I was speaking with said they could not do that and explained that the only way for my money to be returned and account closed was to provide the private documents that they requested. Ally has proven to me that they are an untrustworthy company by only locking my account and requesting these private documents after I deposited my hard earned money into their account. I explained to the representative that I do not trust Ally, and will not provide the requested documents. I was transferred to a supervisor, and got a voicemail that told me I would receive a call back with 48 hours. I left a message, and 3 business days passed without a call back.
I called Ally again on XX/XX/2022, and again explained my situation to the representative who told me the same thing as previous, and again offered to transfer me to the supervisor voicemail, I insisted that I told directly with a supervisor and not the voicemail because that did not get me a call back last time. The representative said there is nothing else they could do for me, and transferred me to the voicemail where I again left a message to be called back.
At this point it feels as though Ally Bank has stolen this money from me, and is holding it hostage until I turn over my private information. I no longer trust Ally Bank, and will not provide them with any further documentation. I would like my money returned exactly as it was deposited, and my accounts closed.
|
| 11/16/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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Last year in XXXX of 2019 I was fired from my employer, In good faith he offer to take responsibility since I couldn't afford to make payments on the car anymore. I have text messages proving that he ask me to call the bank for the payoff, but he change his mind I also have text messages proving that I ask him for the keys so I can call Ally Bank and turn in the car. In XXXX he text me and told me the car is in the shop but he never told me what shop the car is at??? I call and write to Ally Bank explaining the situation and mail screen shots of the texts but Ally Bank never reply regarding about what my former employer has done but they are reporting every month for miss payments. When Ally Bank is fully aware that someone else has kept the car hidden from me! I only receive one letter from Ally Bank claiming that they can't comment on what my former employer has done and the dispute is only between me and Ally Bank. But according to the Federal Rules of Civil Procedure there are rules that include an 3rd party or an non party.
Rule 14. Third-Party Practice ( a ) WHEN A DEFENDING PARTY MAY BRING IN A THIRD PARTY. ( 1 ) Timing of the Summons and Complaint. A defending party may, as third-party plaintiff, serve a summons and complaint on a nonparty who is or may be liable to it for all or part of the claim against it.
( 3 ) Plaintiffs Claims Against a Third-Party Defendant. The plaintiff may assert against the third-party defendant any claim arising out of the transaction or occurrence that is the subject matter of the plaintiffs claim against the third-party plaintiff. The third-party defendant must then assert any defense under Rule 12 and any counterclaim under Rule 13 ( a ), and may assert any counterclaim under Rule 13 ( b ) or any cross claim under Rule 13 ( g ). ( 4 ) Motion to Strike, Sever, or Try Separately. Any party may move to strike the third-party claim, to sever it, or to try it separately.
Rule 22. Interpleader ( 2 ) By a Defendant. A defendant exposed to similar liability may seek interpleader through a cross claim or counterclaim.
Rule 71. Enforcing Relief For or Against a Non party When an order grants relief for a non party or may be enforced against a non party, the procedure for enforcing the order is the same as for a party.
I written to Ally Bank regarding to theses Federal Rules of Civil Procedure Rules and Ally Bank has never reply?!
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| 12/29/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Shopping for a loan or lease
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Web |
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Unfair, deceptive, and abusive sales practices. Formal complaint against Ally Financial and XXXX XXXX XXXX. - I purchased a XXXX XXXX XXXX on XX/XX/2016 at XXXX XXXX XXXX in XXXX, Florida 5 days after the death of my mother. The dealer and the bank took advantage of my vulnerable state of mind and sold/financed a vehicle that has an existing lien from the prior owner without providing me with this information. The dealer showed me a clean XXXX report demonstrating the vehicle had no reported accidents, but neither Ally Financial, nor the dealer advised me that the vehicle could not be legally sold to me while it has an outstanding lien from the prior owner. At the time of purchase, I paid {$4000.00} down and financed the remaining balance of {$23000.00} with Ally Financial ( account XXXX ). At the time of purchase the dealer was unable to provide a registration for the vehicle ; I was advised that I could use my expired tag that I was transferring to the vehicle until the DMV sent me the registration within 30 days. Subsequently, after making multiple complaints, the dealer provided me with a dealer tag to use on the vehicle that I had purchased, yet still failed to explain what the issue was with the registration for the vehicle. On XX/XX/2016, I received a call from the dealer informing me that I needed to contact XXXX XXXX because they have an insurance hold on the vehicle for an existing lien. During the conversation, I learned that the lien is for the prior owner of the vehicle. On XX/XX/2016, I contacted Ally Financial to make a complaint of this unfair, deceptive, and abusive act that involves the dealer as well as the bank. The dealer illegally sold me a vehicle with an existing lien, and Ally Financial proceeded to finance the vehicle and received payment for a vehicle in which they have no rights to. I also ran a XXXX report, and verified that the vehicle ( Title # XXXX, VIN # XXXX ) was registered as a personal vehicle with a loan or lien reported on XX/XX/2016. I have already invested {$5400.00}, and suffered a major impact to my credit score from the excessive hard inquiries, yet I am still not the rightful owne, nor would I be able to make any other major purchases at this time based on how this has impacted my credit score. I would ask that the CFPB intervene in this matter on my behalf. Thank you in advance for your assistance with this matter.
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| 11/24/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Repossession
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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Year was XXXX, it was cold around winter. I had just lost my mom that summer, I was in XXXX FL. My girlfriend mom heard the tow man early morning around XXXX XXXX XXXX. Picking my car up illegal. Yes I was only late on my car payments almost 2 months but I let them know. They illegal took my car, the tow man said they had been looking for my car for a while. Which I don't know how, I kept up with GMAC and I was not that far behind to be repoed. So I called the next morning, GMAC told me yes that they illegally reposed the car, and I could get my car back if I had at least half a payment. I didn't they kept it, they sold it right under me, and they let me know they did. Never said anything about paying then. I moved to TX around XXXX XXXX I got a call about that car, it was a XXXX XXXX XXXX XXXX. Man said, I still owe I explained to him like it was explained to me. Like I'm explaining to these people who aren't GMAC they some scammers or bill collectors I don't owe on they illegally reposed my car they sold up under me. I was told they sold it for the amount I had left to pay on the car & {$4000.00}. Somebody paid it off for me. This is now almost 20 yrs these people are talking about I owe * {$4000.00} but can settle for like XXXX or something, they keep calling me from different numbers and states, talking about getting a lawyer on the case, and I guess prosecuting me. Putting this on my credit, wouldn't this already have been on my credit, if I owed GMAC. I have been on XXXX XXXX XXXX for over 20 plus yrs. All my bill collectors, have a clear understanding to this. When I purchased this vehicle which was in my name only I only had this one income coming in, my single home.
Deposited a new message : " And unable to come to resolution call or handle this today on our secure mobile friendly website at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. That's XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account will be forwarded to a local law firm for review. If no resolution is made, looks like there was a prior promise to pay but no resolution made. Stop this possible further action and or credit reporting if applicable, make sure it's handled today again by phone agent or website. We're giving you all options. '' Click here : to listen to full voice message.
They call me from many numbers, different states that's a visual voice message.
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| 10/17/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Web |
Servicemember |
|
In XX/XX/2013 we purchased a XXXX XXXX XXXX XXXX, financing through Ally Financial. We signed a contract for 72 months. Little did we know, the vehicle had major manufacture defects. At approximatly 120,000 miles we started to notice excessive oil consumption. We began monitoring our oil level daily and took it to a mechanic who then advised us that XXXX had used cheap piston rings in the 2.4L engines and that our piston rings had gone bad and that the oil consumption would get worse. As the oil consumption got worse we took it to yet another mechanic who said the same thing and advised us the only option was to replace the engine because of major scarring and damage inside the engine. We are a family with one income and a XXXX who is XXXX and has XXXX twice a week, we did not have the money to replace the engine. After speaking to several XXXX dealerships we found that there was a memo from XXXX about the problems but it was not a recall and only covered up to a certain amount of miles, at this point our only option would be to continue to monitor the oil level as XXXX was not offering a solution. By 150,000 the oil consumption had gotten worse, consuming about 2 quarts of oil a week. The vehicle became less reliable, started to loss engine compression, and became harder and harder to start. We contacted Ally to find out why they had changed the terms of our loan, only for them to claim finance charges. We asked if they could rewrite our loan and explained to them the problems we where having with the vehicle and asked to maybe lower our payments so that we could save some money and have the vehicle fixed. They where not willing to help. At this point we had no choice but to find a more reliable vehicle so that our XXXX did not have to miss XXXX or XXXX visits. At this point we have been left with no other options and no where to turn. Ally repossessed the vehicle after 61 days of non payment and will not give us any information as to their intensions, they are going to end up forcing us into bankruptcy because of the changes in the terms of our loan and their unwillingness to rewrite our loan. With the fact that Ally is unwilling to help us and XXXX will not take responsibility for their defect, we feel that we have been wronged by both and have been left with having to make a decision that will affect our family badly, but at this point we have no choice.
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| 01/09/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Damage caused or loss of personal items in vehicle during the actual repossession
|
|
Web |
Servicemember |
|
This is an additional notice in reference to Complaint # XXXX, written XX/XX/2023. Ally notified CFPB that they were in the midst of responding XX/XX/2023. To date, there has been no response by Ally. Reference XXXX of XXXX XXXX XXXX XXXX XXXX EXT XXXX. Since their act of repossession of said vehicle, I have made numerous attempts via voicemail, email, and mail, to explain their violations of holding the vehicle in spite of my objections and defenses. I've explained to XXXX numerous times that, PER THEIR OWN COMPANY POLICY, they CAN NOT repossess a vehicle if a " debtor '' raises an objection to the repossession. ( See attachments XXXX and AllyXXXX ) Even after explaining to XXXX that the vehicle must be returned and can only now be taken back through court order, her response is that this matter is still under review. There is nothing to review : as long as the " debtor '' has a claim and defense, Ally is SUBJECT TO THOSE CLAIMS AND DEFENSES, and therefore CAN NOT REPOSSESS UNTIL AND UNLESS THEY HAVE A COURT ORDER. I have had to file the vehicle as stolen with the Arizona DOT and with law enforcement, since there is no other way to enforce Ally 's compliance ( See attachment XXXX ). These attachments have all been sent to XXXX since the last complaint was filed, so she is well aware of these issues. Because of Ally 's continued non-response to this pressing issue- I can not work, I can not get my children to school, I can not drive to get groceries, I can not do anything substantially dependent on my means of transportation - and because Ally has known about this issue for a month, and yet refuse to cooperate in any form or fashion, I am hereby damaged and aggrieved. Additionally, it MUST be repeated : the reason they repossessed the vehicle was due to " default '' of the payments, and this is because of THEIR OWN DOING. By restricting my method of payments to be done through money order or certified funds, and denying my ability to pay under the original method of paying online ; in spite of my requests for them to justify where in the contract or law this was allowed for ; and in spite their unjustified attempt at adding addendum onto the contract I'VE NEVER AGREED TO, in which THEY ENFORCED A POLICY WHICH WAS NEVER AGREED TO IN THE ORIGINAL CONTRACT ( see attachment XXXX ), they have therefore BREACHED THE CONTRACT. THIS MAKES THE CONTRACT VOIDABLE.
|
| 02/25/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
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Web |
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I purchased a car financed through ally bank for my daughter loan # XXXX te the car was totaled in an accident in XX/XX/XXXX. the car was insured through XXXX and the loan had gap insurance through XXXX. XXXX paid Ally bank {$12000.00} the book value of the car, Ally than made a claim to the gap insurer of {$4400.00} The full amount was paid by XXXX. I called Ally spoke to someone in customer service to confirm they received both payments and was advised yes and told " do n't worry XXXX the loan is PIF " I never received any additional monthly statements after that until 4 months later in XX/XX/2014 I received a letter from Ally claiming I was in default of my loan and that {$290.00} was 120 days past due. When I called Ally Bank to find out what this was about they told me that the GAP insurance did not cover the late charges when I asked what months and amounts were the late charges for after holding for 19 minutes the girl said there are NO late charges on the loan and see transferred me to the asset recovery unit after explaining the entire story all over he said I do n't have anything to do with your car it is not out for Repo ( NO KIDDING ) I called back and asked to speak with a manger and told that woman the entire story all over again and she said " well the gap insurance did not pay what they were supposed to " they never do '' I called the gap insurer and confirmed they paid the exact amount demanded from Ally Bankd {$4400.00}. I called back Ally told the same story one more time and was advised this amount was interest due on the loan I asked how that could be and interest for what months and the girl told me it was for XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/2014, when I asked how could that be when the loan was PIF in XX/XX/2014 she said you need to speak with a manger and all she could do is take my information and a manger would call back in 24 hours I 'm still waiting. I have contacted Ally Bank and the collection agency they hired server times but as I said I 'm still waiting for a call back. clearly they put the insurance funds in some type of suspense account rather than apply them to the loan which caused additional interest to accrue until they reconciled the account. This is being reported on my credit as a charge off which caused me real harm this month when I went to purchase a new car and caused me to have to pay a subprime rate.
|
| 07/17/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
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Web |
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I switched to Ally bank because I loved the thought of controlling my debit cards, being able to turn them on and off. So I went through the process to open an account then funded the account. Just XXXX $ to start the bank account. This was on XX/XX/XXXX. On XX/XX/XXXX my direct deposit was deposited. Which I transferred to ally bank same day as being eligible to open the account. I call to set up my XXXX on XX/XX/XXXX and I start getting asked a bunch of security questions. Which I answered them all correctly. The lady specialist then informed me that since I had logged into my bank account on my wifes phone ( which is in my name through the provider ) that this was enough reason to close my account because I had used my log in info on another device besides the one I registered the account with. I then proceeded to ask why and what the issue was and she just kept getting rude and more rude. I asked if I would be able to withdraw or transfer my direct deposit of {$1600.00} that was just posted to the account and the specialist then stated that they will not release any of my funds and I may receive a check at a minimum of 5 weeks of my funds. I have no issue closing the account and just using my previous bank, but for them to basically steal my money is beyond in humane. I have Bill 's that I can not pay now that will be late and cost me even more in charges, not to mention trying to provide for my family and feed them since I am a salary employee and get paid only two times a month. This seems extremely illegal. I should of been given an opportunity to make arrangements to withdraw or transfer my money, or at the very least ally bank send my direct deposit back to my employer, which I also asked them to do and they refused. I live by XXXX XXXX book, so I do not own credit cards to help me make it until I get paid again. Ally bank has literally taken food off my family 's table and made it almost impossible to survive until I get paid again on XX/XX/XXXX. I'm sure you have a million complaints and others you're trying to help, I just ask that someone reaches out and gets ally bank to release my direct deposit or send it back to my employer. No one should ever go through this when they open a bank account and ensure the trust of their wellbeing in a company, just to get blindsided and basically robbed. Thank you for your time and hopefully your help.
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| 11/04/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
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XXXX XXXX XXXX XXXX I cosigned a vehicle for a friend. We had a verbal agreement for him to refinance the car after making on time payments for 6 months to 1 year. The first contract that was created had fraudulent information furnished upon the documents just so that the loan will be accepted by the creditors. There was an error in the first contract it was not accepted by creditors so we had to go back and resign another contract to get accepted by another creditor. The second contract created also had fraudulent information furnished upon the documents so the loan will be accepted by the creditors which also shown up on my personal credit report which caused me personal issues with my landlord as far as income, income proofs like documents ECT. The second contract that was created also had fraudulent vehicle amounts and information because of that made the loan more than with the car was actually worth which resulted in higher loan, interest, and payments.The dealership also required a warranty protection plan that had to be purchased in order to get the loan to be accepted which was an additional {$2000.00} but it didn't cover anything that needed to be fixed or repaired on the vehicle. That {$2000.00} could have been used towards an additional down payment on the vehicle instead of getting the warranty which was a waste of money. Now 30 days to 60 days down the line things started falling apart on the vehicle and the warranty that was purchased does not cover the repairs for the failing parts on the vehicle.Here it is one year later payments were made on time for a total of 12 months and the creditor the dealership sold the loan agreement to does not have a cosigner release form. So if the cosigned fails to pay the car payments in the event of the car breaking down or having additional failing parts that falls on my responsibility I can not afford.I called the dealership and asked them to recreate the loan and resubmit to the creditor they denied. I contacted the creditor they claim they do not have a cosigner release form and I may be stuck in a fraudulent vehicle finance contract. The person I co-signed for refuses to address the issues with refinancing the vehicle so it is solely in their name after all of these fraudulent issues. I took so long to write a complaint because I didn't know who to report it to and how to go about the situation.
|
| 12/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
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I leased this vehicle XXXX of XXXX. I hit a rough path in which i fell behind on payments. However i always remained in communication with ally in regards to payment arrangements and have made every arrangement. At the start of the lease the car was repossessed in XXXX. In which the car was picked up the same day the car was taken. The car was taken around XXXX it took a few hours for the car to come in the system so i can get the pricing of the amount needed to get the car back and the steps needed. I submitted the payment via XXXX money transfer as instructed collected the car within 4 1/2 of the car being taken. Once i collected the car i stayed up to date with my payments. For almost a year payments werent reflecting on my report after months and months of waiting for my report to be updated with on time payments, after being promised of 3 late payments being removed from my report none happened. Now fast forward to XXXX of XXXX it showed on my report as if i havent made any payments since the car was taken and redeemed no body could give me any answers after multiple investigations submitted to ally through customer service and hearing someone will contact you within 5-7 business days Id call back and they stated no claim was submitted and would tell me theyll Make sure they submit it. After about 5 months of trying to get my credit report updated they finally updated it however now i have redeemed & repossessed showing on my record when the car was even gone longer than 5 hours the total amount was paid in full. The report was updated with on time payments showing and since then no payments have been added to my credit report everytime i contact ally its a bunch of excuses and stating covid is the reason for the delay and theyll manually update my reporting but that has yet to be done. My lease is up in XXXX of XXXX and now its hindering me with these negative reporting and no payments showing on my report to get a new vehicle. Ally can never seem to rectify these issues. Ive contacted and talked to numerous supervisors that stated theyll get everything escalated and that they understand my frustration but yet nothing has been done in regards to this matter. Once i got back to my steady job payments have been on time if not made early making payments in advance. This is ridiculous that i have to take these measures to get everything situated
|
| 09/03/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
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Web |
|
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The company name involve is XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Finance a used vehicle : XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX Reach out to the company the next day which was XX/XX/XXXX to Unwind deal which they said they cant do. I also brought up the Contract cancellation option agreement stating i can return the vehicle back by XX/XX/XXXX XXXX or a mileage less than XXXX. This is something that can be chooses between Accept and Decline. When signing paper I get I have a responsibility of Reading what i sign but Iam a first time buyer. I didnt know what i was doing/ signing for nor did the finance guy explain what i was signing for. He told me to sign everything that had the highlighted portion so i did. I did realize within the highlighted proportion i was given option until the next day.
I contacted today ( XX/XX/XXXX ) again to reach out that I can not Insured this vehicle. I was unaware when leaving the lot to home that the vehicle wasnt insured. After many attempts on finding low insurance. It was hard to find insurance company to accept me.
As of right now I can not insure this vehicle and if so I can not afford it. Insurance offer to me is more than the actual payment of the vehicle. Insurance looks like XXXX. My payment for the vehicle is XXXX.
I honestly gave every correct information on gross income and everything when looking for a car.
I came in to the dealership to buy another car that i kept in contact that they had but when i went they said they sold it when i got there but they have other options than proceed to sell me a car that was 2 time better than what i came in. Iam XXXX XXXX of gon na take on a XXXX car payment which if i want to drive gon na have to seek ridiculously amount of car insurance on top.
There should be a law or something in place for a certain age to look at vehicle or buying a vehicle for a certain price. Like maybe an authorization. Again Im XXXX XXXX XXXX, first time buyer. I liked the car but realize it was a mistake. Tried everything to unwind the deal and give them back their car but nothing happened. I did a trade in for my other car. I would like to give back there car and them to give me back theirs.
I mess up I realize and i need help. These people there were the nicest people they were very pushy and i was definitely taken advantage of. I need help thanks
|
| 10/03/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
I have been purchasing XXXX XXXX from XXXX XXXX XXXX since XXXX when they helped me in a precarious situation where my husband at the time left me with two car notes and XXXX young children, one still in diapers. The management there helped me move out of those two vehicles outstanding balances into a new vehicle note. They gave me a path forward advising that as long as I maintained on-time payments, I would earn XXXX most favorable credit offerings for buying their vehicles.
Over the years I earned that and obtained 0 % financing for my XXXX purchases with their endorsed lender Ally Bank in XXXX and XXXX. When I went to the dealership in XX/XX/XXXX to trade in my vehicle for a new one, they pulled my credit score of XXXX and found a perfect on-time payment history of my Ally Bank car note. When given the keys to drive off in my new car, I was told they would take care of financing paperwork for me to complete later. Ally Bank used the excuse of some company named XXXX XXXX XXXX and their assigned low credit score for me as a reason to not offer me a car loan at the going favorable rates. XXXX assigned me to XXXX XXXX with a finance charge rate of 6.39 % - well above the going rate for those with my credit score as reported by the three major credit bureaus. That switch sent me from a 0 % finance car loan to one where my principal payment is almost equal to my loan interest payment. I was already in my new vehicle and not sure how to fight this awful switch. I had never heard of XXXX XXXX XXXX before and found the attached similar stories from others who experienced a similar switch to a high finance car loan despite having good credit.
This scam needs addressing because while these finance companies use illegal means to throw people like me into high finance loans, long term damage is done that has a wide impact. At the time this switch happened, adverse events impacting one of my children and work at my new employer needed my full attention. I am hoping that new leadership under the Consumer Financial Protection Bureau will help me now address this wrong. I hope they will be made an example of to discourage companies attempting to make illegal profits like this in the future. I hope that the high finance charges and restitution for the long-term impact can be made to me by those who should be held responsible.
Please help, thank you
|
| 08/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
This letter is regarding account # XXXX, which you claim my account has 23 late payments with Ally Financial. Please update this account to CURRENT AND PAID on all 3 Credit Bureaus ( XXXX XXXX and XXXX ). I am in the United States XXXX and this account is affecting my ability to secure a Mortgage and could potentially mess with my XXXX XXXX. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was current. Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. -- Very Respectfully, XXXX XXXX
|
| 02/02/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
On XX/XX/XXXX I attempted to access my account, could not, and was directed to contact the bank. I did on XX/XX/XXXX, and upon doing so learned that I was the victim of a scam, and as a result my account was on hold. I asked for details about the hold and was informed there would be an investigation, which would result in a restoration of my account or the account would be closed. I was also informed that restricted actually meant locked out completely. Even previously approved transfers would be declined. I then asked if they could expedite the process and close my account immediately so I would not be harmed by late payments, and was refused. At that point I asked for documentation explaining the hold. They refused. I called again on the XXXX and XXXX and was again told they would not release my funds.
This action is prejudicial and harmful. Since the hold was placed I have missed student loan payments, credit card payments, and was unable to pay my XXXX rent. Ally has experienced no harm. The checks were declined, and no funds were spent outside of the funds I had before the scam. Ally failed to inform me about the hold until harm had been done. The one piece of outgoing communication that I received was not sent until XX/XX/XXXX, several days after the hold prevented my payments from being paid.
Ally claims that the worst case scenario is closing my account, but continues to refuse to do just that. While I am unable to pay bills, they continue to earn interest off my checking and savings accounts. My credit is being negatively impacted in a serious manner. While I understand the importance of investigating fraud, they have not provided a satisfactory justification for continuing to hold my funds hostage. I have offered to provide additional information about the scammers, but they declined. I have text messages, a phone number, and additional checks that I never had the opportunity to deposit, which they were uninterested in, though they would certainly aid any investigation.
I believe they are acting in bad faith, to my disadvantage, because they have not provided a legal basis for their actions, saying only that it is the banks protocol. I would like to know what my rights are, if any, and what remedy I might seek after the fact to make me whole when Ive suffered great harm to my financial situation and credit profile.
Thank you.
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| 11/07/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem related to refinancing
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Web |
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I took out an auto loan with ally financial through the dealership I bought my car from back in XXXX. Then in XXXX I refinanced my loan through XXXX XXXX XXXX XXXX. Earlier this year I got a letter from XXXX XXXX stating they needed the lean recorded title sent to them which would have their name on it as the lean holder. I was on the phone with both institutions back in I'd like to say XXXX of XXXX and XXXX XXXX requested the lean release letter to be sent out. I was also to receive a copy and was told to take that, the title and my XXXX XXXX promissory note to the XXXX to get the lean re-recorded. About a week or XXXX ago I went to the XXXX and they told me I needed a notarized letter from Ally stating they handed the lean to XXXX XXXX. I called Ally that day and asked them to fax it over to the XXXX and was told it would get there within XXXX to XXXX business days. The XXXX also stated when they received it they would contact me. Now here we are today on XX/XX/XXXX and nothing has showed up. I once again called Ally and asked what was going on, they stated they could not send the notarized letter to my XXXX directly that it had to go to XXXX XXXX and that they would have to once again request it. Mind you this would be the third time XXXX XXXX would be requesting it. I had both institutions on the phone today and Ally claimed they sent the notarized letter to XXXX XXXX twice and XXXX XXXX claims they never got it. Now Ally has stated it will be in the mail to XXXX XXXX today and will take up to XXXX business days to get to them and then XXXX XXXX has to send it to me so I can re-record the lean. Meanwhile I now have to pay a significant increase of interest to my car payment causing my payment to go from XXXX to XXXX which doesn't seem like a lot but I am living off XXXX income due to the fact my husband is XXXX and can't work and we can not afford this increase. I find this whole situation unnecessary and have been given the run around. I contacted my lawyer who advised to put in the complaint to the CFPB to have this matter investigated and to be sure things are getting done as they are supposed to, so that I may finally get my part of all this taken care of and so my interest rate does not go up. I am afraid none of this will be done by XXXX XXXX 's due date of XX/XX/XXXX and I will be forced to pay the higher amount I can not afford.
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| 11/15/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
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I joined Ally Bank on Thursday, XX/XX/XXXX and proceeded to set up a direct deposit with them. On Friday, XX/XX/XXXX, I received my first deposit for the amount of around {$140.00} ( dont know specifics because unable to access the account ). Ally has a policy about only sending debit cards after a deposit is made to the account and it takes around 10 days. I figured, since they are a member of the XXXX transfer system, I could then proceed to move my money out of the account to a family members so I would have some money in the meantime for food and transportation costs to my job. However, during the process it said that I had no security questions ( which I did ) and that I needed to call them. I called them and was asked to confirm a multitude of questions some such as the regular Social Security, Date of Birth, Address, Security Questions, etc but also ones such as what is your hair color what is your mothers first name where was your social security issued. I know the answers I provided to be true as I would know my own identity, but was told I would be locked out of my account and would have to send my ID and SS, front and back, to XXXX ; attention XXXX. I proceeded to do this the same day ( Friday, XXXX XXXX ) about an hour after this phone conversation. I understood it was the weekend and might take up til Monday or so. On Monday ( XX/XX/XXXX, I called and to my suprise the back office where it needed to be reviewed was closed due to veterans day. Ok, no problem..So I call Tuesday ( XX/XX/XXXX ) and was told it would be reviewed either today or tomorrow. I again wait patiently. On Wednesday, at around XXXX, I still hadnt heard anything and proceeded call them to be told it would be reviewed later that day, and I would be receiving a phone call. I didnt hear anything. I call them today ( Thursday, XX/XX/XXXX ) and am told the same thing I have been told now for days, that it will be reviewed that day and I will recieve a call. I am getting very frustrated as I am out of money for my transportation, I have no food at my home, and am now struggling just to get through the week because they will not review my account. I told them they had told me it was supposed to already been reviewed and they seemed to not care at all, nor wanted to attempt to prioritize it. It will be a week that I have not had access to my account as of tomorrow.
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| 04/10/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I have attempted to make my monthly payment online through Ally 's website on multiple occasions. The first payment was made on XX/XX/XXXX ( confirmation number XXXX ) in the amount of {$1000.00}. The following day, I received a notice stating my payment was suspended. I contacted Ally customer service and explained what happened. I was told that because the account was still under repossession status, that is why the payment was rejected. The customer service rep assured me that the account was updated and that on the next business day a payment can be made. On XX/XX/XXXX, a new payment was made ( confirmation number XXXX ) in the amount of {$1000.00}. On XX/XX/XXXX I received another email stating my auto pay was suspended AGAIN. On XX/XX/XXXX, I proceeded to do a chat with a representative to correct the issue yet again. During this chat, I am told that I have to make 6 consecutive payments with certified funds. At this point my payment is late and my XXXX payment is now due. Given we are in the middle of a pandemic, I am attempting to make a payment online and avoid going to a financial institution ( which is currently closed ) to obtain a certified check. Ally will not assist me in allowing me to make an online payment via my bank account. This request is utterly ridiculous. I proceeded to contact Ally customer service at the 800 number to speak with a supervisor. The first representative hung up on me after I complained. The second representative attempted to help me. However, instead of presenting a solution to the online payment dilemma, the representative attempts to convince me to apply for a 30, 60 or 90-day extension due to COVID-19. She advises me that my payments would be added to the end of my loan. I am not having financial problems that I need to apply for an extension ( and pay more in finance charges ). I DO NOT NEED AN EXTENSION. I JUST WANT TO MAKE MY PAYMENT. Why is this so difficult?! I requested to speak with a supervisor. The representative placed me on hold and after 3-5 minutes on hold, she hung up on me. I am beyond frustrated with Ally at this point. I have own several vehicles of which I financed or leased with Ally. I have never had such a horrible experience before.
I am requesting a call back from a supervisor/manager to resolve my issue immediately. I want to be able to make my online payments again.
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| 02/15/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Dear Sir/Madam : I originally went to a dentist to get work done. They stated I could finance the amount it would cost. Ally Lending sent me the agreement which in essence stated that if I paid the amount in full within 6 months, there would be no interest.
Pursuant to the original agreement, this debt was completely paid off prior to the 6 months ( From XX/XX/2021 to XX/XX/2021, and therefore, should not only have zero interest. However, Ally will not remove interest and has even charged a late fee. While the amount they claim owed is around {$150.00} and could be considered a nuisance amount, I will not pay what I do not owe. I have sent statements and letters to the company. They ignore everything. They email, mail, call, etc. for this amount. It seems they lure the customer into their 'no interest ' agreement and then they do not abide by it and attempt to get an amount afterwards they think people will not fight.
If they do this to enough people, they will likely and have likely made millions of dollars which they are not owed. I'm an attorney, and therefore, will not be intimidated by their tactics. However, others will and this must stop. It is fraudulent and deceptive.
Their own initial documents have an entire section on " I have an Interest Promotion ''. This was the only reason I financed this amount through Ally. I have paid everything by XX/XX/2021, before Promotion Period i.e. XX/XX/2021.
Therefore, the current bill that Ally keeps trying to collect needs to be credited in its entirety and I have asked for written confirmation. I have also informed Ally that If any of this is reported to any credit bureau, I will immediately dispute and contact both the XXXX XXXX XXXX and the appropriate California governmental agency for fraudulently advertising there will be no interest should the debt be paid off and then proceed to charge interest and a late fee.
I sent same letter on your above address on XX/XX/2021 giving all facts and documents but in spite of that I am still getting reminders and alerts from yAlly, but to no avail.
The bottom line : A. Ally lures customers in with no interest loans if paid off in 6 months ; B. Even if paid off in 6 months, they accrue interest and penalties ; C. Ally goes after customer in multiple ways to try to collect a debt that is not due.
Regards, XXXX XXXX XXXX XXXX XXXX XXXX
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| 03/07/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I had a lease agreement with Ally Financial. The lease end was XX/XX/XXXX. I made the final two payments towards the loan in XXXX. One on XX/XX/XXXX in the amount of {$310.00} for the month of XX/XX/XXXX and the second on XX/XX/XXXX in the amount of {$300.00}, which was the remaining amount due on the loan. I needed a letter from Ally to XXXX XXXX, who I was initiating a new lease with, that the account had been paid in full as a remaining balance of {$300.00} was showing on my credit report. When I called Ally for the letter I was told there was a remaining balance owed for property taxes and they could not send a letter that the account is paid in full until those charges had been paid. I paid the balance in full over the phone via XXXX XXXX Wire Transfer on XX/XX/XXXX in the amount of {$1300.00}. I was told my account was now fully paid and closed and they in turn faxed a letter to XXXX stating that there was no remaining balance due on my account. Two months later I received a bill from Ally saying I owed {$550.00} in property taxes and {$790.00} in extension fees. The extension fees were due to XXXX not returning the vehicle on time and they worked with Ally to remove those charges. I disputed the {$550.00} property taxes, requesting documentation of validity of charges and was never sent any supporting documentation for these charges. I refused to pay as these charges were not valid. I called Ally several times trying to reconcile this issue, but they never sent me anything to support the property taxes and only sent bills monthly while simultaneously reporting this negative information to the 3 credit bureaus. It has been almost 4 years now and I recently disputed with the credit bureaus and Ally continues to say I owe this and now has reported a recent missed payment and past due balance of {$550.00} as of XX/XX/XXXX. This has very negatively impacted my credit score and I am extremely upset. It is not right that I should have to " pay off '' Ally an amount that is not valid in order to get this resolved. In disputing with the credit bureaus I feel they automatically take the creditor 's word over the borrowers and that is not right. I would like for this charge and the negative history reported with it since XXXX removed from my credit report but do not know what else to do at this point.
Thank you in advance, XXXX XXXX XXXX
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| 10/18/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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I have had a loan with Ally Financial since XXXX, XXXX and it has been an awful experience. I have fallen behind a few times but I was hacked ( not sure of the origination of being hacked ) around the same time I purchased the vehicle and it has been nothing but trouble since trying to deal with all of that and other issues. I 've also lost XXXX jobs in the time I 've had the loan and it 's been a little bit of a challenge. However, I always make payments at least monthly ( aside from this time period ) and do my best to get caught up. If I am late, I make it up by paying bi-weekly to get caught up.
At the end of XXXX or beginning of XXXX ( XXXX ) I called Ally to let them know that my XXXX XXXX payment would be late. The representative said instead of making the payment late I could defer. I did n't really want to do that but he seemed adamant about it, so he set it up. We had also moved and I was waiting for the letter detailing the deferment to make the payment which I assumed would be XXXX. Ally does not tell you the date, only that you have 10 days from the date of the letter to make the first payment. I expected this to be XXXX. On XXXX I received a call from my father wondering why my auto company was calling him. I called Ally and they said that it was because I had no number to call which is not true. The only number I have ever asked Ally not to call was my work number. Then the representative began demanding payment stating that I had not honored the deferment and that it needed to be paid now. I explained I thought and was pretty sure I had been told I could pay by XXXX but he said it was due that day, right then. I hung up because he was so rude. I called back and the lady who I got was just as rude and I told her that if they would not honor the original arrangement I would have to split up payments bi-weekly. She refused the arrangement. I have been trying since to make an arrangement I can work with and they will not help me.
Today I spoke with XXXX XXXX who said that she can not gurantee anything even if I pay on XXXX XXXX. They are being awful. They denied my payment arrangement and now are making all kinds of excuses to not help me.
I have had so many problems with this company it is not even funny. I will not be treated this way. The account was in good standing to the best of my knowledge when this happened.
|
| 02/25/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I opened an auto loan finance account with Ally Financial in XX/XX/XXXX. In the 6th month of payments, I began to pay slightly over the amount due- rounding up to the nearest hundred. ( Original Payment {$570.00}, began to pay {$600.00} or more, believing {$24.00} would be applied to the principal balance, it was not ). I called Ally Financial in early XXXX to inquire about this matter and was told it would be corrected. It never was. Fast forward to XX/XX/XXXX, and the following occurred : On or about XX/XX/XXXX interested buyers began to make offers to purchase my vehicle. As I entertained those offers, both myself and those interested buyers began to request payoff inquiries. On or about XX/XX/XXXX, I did indeed sell my vehicle to XXXX XXXX of XXXX XXXX. I called Ally Financial that day to inform Ally that I had sold the vehicle and to expect payment. Again on XX/XX/XXXX I began to communicate with Ally asking Ally to apply the payment to my account, as I had been tracking the payment, and I knew that it had been received.
However, Ally Financial reported to XXXX Credit Bureau- and others- that I was 30 days past due in the month of XX/XX/XXXX. Ally Financial at that time, violated the Fair Credit Reporting Act with the extremely serious violation of false reporting. Upon this realization, I made calls and emails again to Ally Financial, as well as disputed this error on my credit. Ally Financial then provided false information to multiple Credit Bureaus, therefore causing the false information to remain on my credit report. This was another serious violation of the Fair Credit Reporting Act.
Other evidence that supports my findings can easily be obtained from the XXXX which I have in my possession. The vehicle was sold at auction in the month of XX/XX/XXXX, and subsequently to an entirely new owner in the State of Georgia- all before Ally Financial reported the late payment to the Credit Bureaus XXXX Ally Financial has made no attempts to correct their error other than giving me case numbers for my inquiries.
I have made several phone calls to Ally Auto. I have emailed Ally Auto. I have sent Ally Auto a certified mail piece informing them of my intent to pursue legal action. Ally Auto has taken almost three months to respond. They have changed dates which do not correspond with the information reported to the credit bureau.
|
| 01/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
In regards to Complaint ID, XXXX.
Ally Financial provided false information to the CFPB. They have refused to fix the error made by their company, and to add insult to injury, they are providing invalid information to a government agency created to protect consumers. I have been dealing with this issue for four months, and the emotional impact to my family is rising.
In response to your final response Ally sent to me on XX/XX/XXXX.
First, I made multiple calls to Ally in XX/XX/XXXX. This is in regards to the call made XX/XX/XXXX, at around XXXX ET.You all know this is the case, because I have requested this call be pulled multiple times. I also attached a copy of my cell phone record to this complaint validating my claim. Also, I asked for my payment options, and was offered a skipped payment by an Ally representative. She offered that to me, and you all need to own up to your mistakes and complete lack of staff training. The lady offered me a skipped payment for XXXX, as long as a {$130.00} payment was made to the account. I specifically asked about the impact on my credit report, and she reassured me multiple times that everything will be fine. I mentioned this at least three times on the call, and she assured me that my next payment will be due in XXXX. She made an offer to me and I accepted. That offer was a skipped payment with no negative credit impact.
I have spoken to a total of four supervisors, and they have all admitted fault and validated my concerns. Are you calling your supervisors liars?
Ally I am fulfilling my contract, and you guys are in breach of yours. You have lied to me multiple times and falsified findings to benefit the company. This is unacceptable and I hope there will be Justice. The company needs to be held liable for the amount of stress, pain, and distress they have inflicted on my family.
I also attached an audio recording from a conversation with a supervisor validating my story and admitting agents fault. The call has been pulled by multiple supervisors and you all insist on making invalid claims and refuse to be accountable for your errors. CFPB please help me and I hope justice is served. XXXX XXXX is a veteran, and I am a working class mother of XXXX. We are doing our best to recover from hard times, and with one error, Ally took us back to square one. We refuse to accept their negligence.
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| 01/04/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
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Web |
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In regards to our loan with Ally Bank and serviced by XXXX XXXX, we were approved for a short sale in XX/XX/XXXX. This was after one year of multiple submissions of paperwork and then the need to escalate to the President 's Office at XXXX XXXX to gain final approval.
For the record, on multiple occasions and even after escalation, the Real Estate Agent representing the property struggled with XXXX XXXX to provide up to date and accurate information. Specifically, and on more than one occasion, the Real Estate Agent was denied access to the loan information even though approval had been provided formally by the property owners with the submission of necessary paperwork to allow access. And, while the President 's office was responsive to our needs the " left hand did not know what the right hand was doing '' and the communication was lacking and in some cases contradictory, i.e., the information provided by the Customer Service Department and the President 's Office was not the same.
Specifically, as an example of the lack of accurate and necessary communication, on XX/XX/XXXX and XX/XX/XXXX, the representing Real Estate Agent spoke with both the Customer Service Department and the President 's Office at XXXX XXXX and was not informed that the approval for short sale had expired on XX/XX/XXXX.
In regards to this, the policy automatically becomes foreclosure 14 days from the expiration of the short sale approval. While the representing Real state Agent was able to garner a 1 week extension they were still not informed, in any conversations on XX/XX/XXXX or XX/XX/XXXX, the short sale approval had expired. Their was no specific reason provided as to the reason the property was going into foreclosure.
To summarize our position, if XXXX XXXX had informed the Real Estate Agent that the short sale had expired, the necessary paperwork for resumption of the short sale could have been provided and the automatic 14 day foreclosure policy would not have come into play.
Finally, we have provided to Ally Bank through XXXX XXXX a legitimate sale offer but Ally Bank not understanding the issues with XXXX XXXX has refused to rescind the date of auction.
In the end, we are asking Ally Bank to rescind the foreclosure and to remove the property from auction on XX/XX/XXXX and to consider the sale offer.
Thank you for your consideration.
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| 11/28/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Older American |
|
Dear friends, I am coming to you because I am running to a situation that I have never encountered before!
Hi, My name is XXXX XXXX and I am a resident of Maryland and a XXXX citizen living in XXXX MD and my phone number is ( XXXX ) XXXX I have a CD account with Ally bank. the principal in the CD account is {$78000.00} and account number is ending in XXXX I am taking a trip overseas to visit my uncle that is XXXX XXXX in XXXX so on XX/XX/XXXX I called Ally bank and asked {$1700.00} out of {$1700.00} that was accumulated in my account as interest to be sent to me. At first the teller gave me a hard time and said you have to wait until XXXX and it seemed that he did not know what he was talking about and I do not have any arrangement for periodic disbursement of my interest so I asked for a supervisor and she said no problem a check with XXXX send to you ... .by the way at the beginning of each call it says you will be recorded so I am hoping that there are copies of these recorded conversations.
I waited for a week and called back to check on status of that check and this time the teller tells me " a check for {$670.00} has been sent to you '' I said I requested {$1300.00} where is this new figure coming from? She says I do not know. I asked her to cancel that and send me a check for {$1700.00} please she put me on hold for a few minutes and says okay. I put an order in for XXXX with fees waived. you should be getting a check by Wednesday before XXXX or Friday after XXXX day.
On Wednesday XX/XX/XXXX I call to check on the XXXX mail status and I found out that no XXXX mail has been sent. I asked a compliant to be open and a manager call me but no one called me.
On XX/XX/XXXX I called again and the lady teller would not give me straight answer weather a check has been sent or not so I checked my account and I see that again they have altered my principal in the CD and it has gone from {$78000.00} to {$79000.00} and there is only {$9.00} interest in my account.
I don't know what kind of game this bank is playing with me and my account. It appears that they are acting in a lawless and arbitrary manner and talk liberty with a client account and I am extremally concerned plus I need my interest for the trip that is coming up very quickly. The number for Ally bank is XXXX Please help me. Thank you XXXX XXXX XXXX ( XXXX ) XXXX
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| 12/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
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Web |
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This is not a duplicate nor is this complaint being filed by a XXXX party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.I have Child Support with ALLY FINANCIAL INC . I have always made my payments on time. For some reason, I realized that there were XXXX days late payments on my credit report for the month of XXXX, XXXX, XXXX. I have read enough to understand my rights. The XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX, XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP.
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| 11/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
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Web |
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This is about the Consumer Credit Transaction with your financial institutions ALLY AUTO LOAN, executed by way of signing an Agreement ( " Document '' ). As per15USC 6827 ( 3 ) " The term document means any information in any form. '' I demand you Cease and Desist from disclosing my " nonpublic personal information '' to all " nonaffiliated third parties ''. which includes XXXX, XXXX, and XXXX. The provisions 15 USC 6801 ( a ) state " It is the policy the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' Please be advised that I have not given your company consent to share my " non public personal information '' and if there's a nondisclosure clause in your contract/agreement giving you that option to share my " nonpublic personal information ''. I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information. 15 USC 6802 ( B ) clearing states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party ''. 15 USC 6802 ( B ) lb " the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party '' 15 USC 6802 ( B ) 1c " the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' In the above- mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( ie XXXX, XXXX XXXX and XXXX ). With that said, your company has not only infringed my right to privacy but also violated multiple Federal Laws. I hereby request you remove the below-mentioned information from my Consumer Report : ALLY AUTO LOAN.
In accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.
15 U.S.C 1681 Section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
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| 11/23/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
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XX/XX/XXXX To Who it may concern ; This is about the consumer credit transaction entered with your XXXX XXXX dated XX/XX/XXXX and I extended that organization the credit for account XXXX. I hereby give your company ALLY FINANCIAL notice pursuant to 15 usc 1602 ( k ) that your company never provided an adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction.
ALLY FINANCIAL didnt even inform me and the cost of credit, with the ONLY evidence of indebtness was just a computer-generated agreement. According to 15 usc 1602 ( k ) the term adequate notice means a printed notice to a cardholder which set forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have notice it and understand its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the card holder.
Since adequate notice was not given as per the above-mentioned section, I couldnt understand its meaning which is a violation under 15 us 1602 ( k ).
Furthermore, pursuant to 15 usc 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction, therefore made and uninformed decision and it resulted in multiple billing errors and unfair credit card practices.
From your end, I have not benefited from this transaction which again is a violation of 15 usc 1602 ( p ). According to 15 usc 1602 ( p ) the term unauthorized use means any use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from which cardholder received benefit.
I hereby request you do the below mentioned ; 1. STOP COMMUNICATING THIS ACCOUNT TO ALL!
2. DELETE ACCOUNT FROM ALL RECORDS!
3. A FULL REFUND OF ALL BALANCES PAID!
4. {$3000.00} check FOR ALL VIOLATIONS LISTED.
5. STOP INFRINGING ON MY INTELLECTUAL PROPERTY!
If you accept my request, I will not escalate this matter to federal court. In case, you choose to disregard and not accept the above requests, a legal action shall be taken against your company for compensatory damages.
Thank you for you attention to this matter.
Sincerely, XXXX XXXX
|
| 07/13/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
ALLY FINCL XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
|
| 06/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
Dear Sir/Madam, I am writing to formally lodge a comprehensive complaint against Ally Financial for their role in the unfair and deceptive practices during my purchase of a XXXX XXXX from XXXX XXXX XXXX XXXX XX/XX/XXXX.
XXXX Misrepresentation of Loan Terms : Ally Financial processed and approved a loan for my vehicle, which I believed to have an interest rate of XXXX % based on the initial invoice contract dated XX/XX/XXXX. However, upon receipt of my first billing statement, I found that the interest rate was substantially higher, at XXXX %. This discrepancy has resulted in a significantly increased financial burden and inflated overall cost of the vehicle.
2. Inconsistent Financing Terms : The terms of the loan presented to me were inconsistent. The initial invoice contract stated the price and financing terms clearly but did not mention any stipulations related to arbitration. However, the subsequent Retail Installment Contract signed on XX/XX/XXXX, introduced an arbitration clause, significantly altering the terms to my disadvantage. This change was neither clarified nor adequately explained to me.
3. Undisclosed Relationships and Potential Kickbacks : I have reasons to believe that Ally Financial and XXXX XXXX XXXX may have a pre-existing business relationship, possibly involving kickbacks or incentives, which was not disclosed to me during the negotiation or finalization of my vehicle purchase. This lack of transparency raises concerns about the fairness and legitimacy of the loan terms and interest rate.
4. Noncompliance with TILA : Ally Financial 's failure to accurately disclose the terms of my auto loan, as well as their potential noncompliance with the arbitration disclosure requirements, may constitute violations of the Truth in Lending Act ( TILA ). TILA mandates that lenders provide borrowers with clear, accurate, and meaningful information about the cost and terms of credit.
These alleged malpractices by Ally Financial are not only detrimental to me but also potentially harmful to a wider consumer base. I, therefore, appeal to the CFPB to exercise its authority to investigate and rectify these injustices.
Thank you for your time and consideration. I am confident that the CFPB will uphold its commitment to consumer protection and ensure fair practices in the auto financing industry.
|
| 11/17/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
I opened a checking account with Ally bank on XX/XX/2023. Ally automatically sends a debit card once your account is funded. I funded my account XX/XX/XXXX and but I never received a debit card.
Due to this, I was unable to pay several bills and had no way to access my funds. I requested a new debit card to be mailed and expedited to me, which I was told would take up to 7 business days.
Because my bills were now overdue, I issued 2 wire transfers to my secondary bank account so I would have access to my funds during the additional waiting period for my debit card.
Ally flagged my wire transfers and sent me an email telling me I needed to verify my identity and the wires. I spoke to several people, multiple times, and verified my identity, answered all security questions and patiently explained that I was sending money to myself so I can by my bills while I wait for my debit card.
My account was then unlocked, I was told the wire transfers were approved and that no additional information was needed from me.
Two hours later, I received another email from Ally stating that my account was restricted and that I needed to call to get my account verified again. I called and the agent gave me a # to speak to the loss prevention department, However they were now closed.
So, this morning I called the loss prevention department and spoke with 2 different agents. They told me my account is under investigation, and refused to give me any further information. I explained to them that I need to speak with someone immediately as I could potentially lose my vehicle and Im behind on several bills because Ally will not give me access to my funds. I asked how long the investigation process takes and how I can speak with someone to resolve it and they again refused to give me any answers or to give me a timeline on when I can expect a response.
So at this point, Ally is holding over {$20000.00} of my money that I can not access. Theyre an online bank so I cant even walk in and speak with anyone. They will not give me any answers or any updates regarding my case and wont give me the contact information for the department responsible for releasing my funds or account.
Please, if the CFPB can help me resolve this before I lose my car, I need to pay my rent and my bills and I do not have much time to get this fixed.
|
| 08/05/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I have a ROTH IRA savings ( interest-bearing ) account with Ally Bank. On XX/XX/XXXX ( tax filing day in XXXX due to covid-19 ), I logged in to Ally 's website and initiated a transfer from an external bank account to my IRA. I input the amount of money I wanted to deposit, I ticked the box to ensure it was a prior year contribution ( XXXX ), not the box for current year ( XXXX ), and it generated a PDF ( which should be logged in their systems ) with the date that I then signed. I then took a photo of the signed form, put it and a check for the amount from my external account in the prepaid envelope and then took a photo of me dropping it in the mailbox on the evening of XX/XX/XXXX. Ally requires all IRA contributions to be written and signed on paper, so I could not do this fully electronically.
The amount was withdrawn from my external account and then showed up in my Ally IRA, but I received a call saying that because the postmark on the envelope was XX/XX/XXXX, they could not credit it for the prior year ( XXXX ) and had to credit it to the current year ( XXXX ). I disputed this but after speaking to a supervisor they said the auditors could not bend these compliance rules.
After learning I could not credit this to XXXX, I asked if I could have the transaction voided ab initio and undone, as if I had never sent the check in the first place, as this would affect the limit for other contributions I could make in tax year XXXX. I noted that my signed request did not authorize a deposit for the current tax year, but only the prior tax year, and them crediting it to a year that I did not authorize could have significant tax implications for me, and presumably other clients. However, after checking with auditors, they said they could only remove the money by sending me a check and treating it as a distribution ( " excess contribution '' ) from the IRA, which would not only use up the contribution room I didn't want used up but also subject me to tax implications for this withdrawal. Apparently the auditors were sticklers for compliance with the postmark but not with my authorization of which tax year I specifically requested a deposit in.
I have talked to two people now and this has been escalated further, and I have asked that all future correspondence be copied in writing and that past calls be saved.
|
| 11/26/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I began to get behind on my car payments in XXXX due to XXXX XXXX and a move that I was n't planning on. I received a call from an employee from the following number : XXXX. I had a hard time hearing the message, I think her name is XXXX. In her message, she asked me to return her call before XXXX pm to number XXXX, extension XXXX. I was on XXXX XXXX so I pulled over and it took me 4 times to get someone to agree to transfer me. The employees kept refusing. I had to demand to speak with a supervisor and told her she needed to transfer me. I finally got through and spoke with her person who left a message. I have never had such a hard time reaching someone. She put me on a 60 day extension which she said I had to make a payment on XXXX XXXX or XXXX XXXX and then I would n't owe a payment until XXXX XXXX. This is where my frustration began. I logged on to the app to check my account on XXXX XXXX and noticed that my account is still 3 months behind, it is not reflecting the payment arrangement. I called Ally to see if I could speak with the employee who created the payment arrangement, XXXX. I called the number she provided 17 TIMES between XXXX XXXX and XXXX XXXX. The phone reps REFUSED TO TRANSFER ME. I asked for supervisors who also REFUSED TO TRANSFER ME. I asked to call centers in the XXXX hoping I could get transferred and was still refused. Every rep wanted my account number or social. I provided it and then was told so many different answers that I had to write them down. The first few reps told me that I was NOT ON A PAYMENT ARRANGEMENT AND THAT I NEEDED TO MAKE 3 PAYMENTS. I explained that I spoke with someone and had a payment arrangement. I was interrupted, or yelled at, or hung up on, or talked over so many times that after 17 tries to get to the person who put me on the supposed payment arrangement that I GAVE UP.
This is how Ally works? I have no proof that the person put me on a payment arrangement and no way to speak to her directly because the call center employees REFUSE to transfer me. They also want to put me on their version of a payment arrangement, even though I am supposedly on one. They yell over me, argue with me, and flat out refuse to get someone to transfer me. I have asked to speak to a XXXX based call center hoping I can be transferred. I am at call 18 and am tired to arguing.
|
| 01/20/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I made two extra payments for {$2000.00} and {$2100.00} to my car loan ( # XXXX ) with Ally on XX/XX/XXXX and XX/XX/XXXX respectively. When the payments posted to my account Ally charged me interest for each one.
On XX/XX/XXXX I contacted XXXX separate Ally representatives ( XXXX and XXXX ) via Ally 's account chat feature to request that the extra payments be applied to principal only. The reps said they would apply the total amounts to principal. The XXXX representatives stated that any future extra payments that I want to make to principal only can be accomplished if I make a request after the payment by phone or chat and then they would adjust the payment to apply to principal only ( chat sessions attached ).
On XX/XX/XXXX I viewed my account to make sure Ally had applied the extra payments to principal but instead they had added XXXX confusing transactions to my account and I could not determine if the amounts were applied to principal. Furthermore, there is no itemization on my account which shows how each of the transactions affected the principal amount.
On XX/XX/XXXX I telephoned Ally and spoke to XXXX ( refused last name ) and she avoided my question multiple times when I asked her to explain why they created the XXXX additional confusing transactions for just XXXX payment adjustments. The descriptions for the transaction types vary greatly and they make no sense considering I only asked for XXXX simple payment adjustments. They include " online payment reversal, '' " unpaid balance reduction, '' " payment for check reversed, '' and " insurance payment. '' I then noticed that one of the interest charges ( {$3.00} ), for one of the extra payments, was credited and debited 5 times but in the end it was not reversed. XXXX, contradicting what the other XXXX reps told me, said Ally only applies extra payments to future payments, applies daily interest to the extra payment, which pushes back my payment due date. XXXX said that even if I request the extra payments be applied as principal only, interest will still be charged despite what the other XXXX reps told me.
All the above actions by Ally are just a tactic to optimize the interest they earn on car loans. Furthermore, for XXXX Ally representatives to say principal only payments can occur and a third that says they ca n't is very suspicious.
|
| 09/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am giving authorization to this company to respond to this cfpb complaint. I have requested that this company cease the reporting of the account stated in the attached dispute letter due to federal violations. Pursuant to the IRS Publication XXXX any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication. However, this company did NOT honor my request for removal. This violates the Fair Credit Reporting Act and both this company and the consumer reporting agencies are participating in this violation. Additionally, as a financial institution, they did not disclose to me my right to opt out of the disclosure of my nonpublic information or directions on how to exercise my right to opt out as dictated by law. I sent them a letter notifying them of my request to be opted out of my nonpublic information being furnished to consumer reporting agencies pursuant to 15 U.S. Code 6802 and 16 CFR 313.7 in which they have denied my right. Instead, they stated that they do not offer their customers the option to opt out which is a direct violation of federal law ( s ) as they are REQUIRED to give opt out disclosures. As a federally protected consumer I am now revoking any and all authorization that I, the consumer, may have given them written, non written, verbal, and nonverbal per 5 U.S. Code 552a and I am demanding that my nonpublic information cease to be furnished. If this matter does not get settled, I will pursue litigation for damages.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
|
| 11/04/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I sent a payment through online banking at XXXX XXXX XXXX XXXX Ally Financial XXXX XXXX for an auto loan for {$470.00} that settled on my bank account on XX/XX/XXXX. We received an email that we hadn't made the payment. When I looked online at XXXX I realized I made the payment on a loan that we had already paid off. I immediately called Ally on XX/XX/XXXX. They gave me a case number and told me to check back in XXXX to 3 days and payment should be processed. Still nothing. On XX/XX/XXXX I called again and they told me to fax in proof of payment and a letter explaining what happened. I did that on XX/XX/XXXX. On XXXX I started an online chat to see if they received my fax and status. After almost an hour of going back and forth with the agent he told me that the payment was posted to the account. I explained it wasn't showing online and still receiving emails and text past due. He then tells me it was applied to the old account and any overpayment will be returned. As it continues he just tells me the overpayment will be returned. I ask him for proof and details. He finally stopped answering on the chat. On XXXX I started an email after the chat got no where. I attached the fax and the chat. The person in email told me I needed to call XXXX the refund was made to them and gave me the wrong phone number the first time. I kept asking who XXXX was because I've never dealt with them. He told me that is who processed my payment.This email train goes back and forth for 3 days. No matter what I ask I'm told to contact XXXX I have also been verifying with XXXX that there is no return. I finally got through to XXXX on XXXX around XXXX after an hour on hold and she explained to me they process the payments for Ally that are done on the phone and online in their portal. They do not process the payments that I generate from bill pay at my bank. She did put me on hold and told me she was contacting escalations to see if they could find the payment. She came back and told me no and that they wouldn't have the payment because I processed the payment online at XXXX and I needed to talk to Ally. She put me through to them. I repeatedly asked for a supervisor and was told she would have to fill out paperwork and it would be XXXX to XXXX business days. I have also sent another email asking for a supervisor to contact me.
|
| 01/10/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
Older American |
|
After an internet search on a " XXXX '' website I was contacted by XXXX XXXX in XXXX XXXX XXXX. The particular salesperson who gave me a firm offer to purchase a new 2009 XXXX XXXX XXXX, with the exact options I need was not available when I went to the dealership to purchase the vehicle and sign fraudulently induced loan documents with XXXX XXXX XXXX XXXX, my note eventually sold to Ally Financial Services. The salesperson had me " robo-sign '' documents in blank. He acted fraudulently as I had automobile insurance at the time on the vehicle I owned before I bought the 2009 XXXX XXXX XXXX, with the XXXX XXXX of XXXX, and told the agent of Ally. Instead, he fraudulently went, upon information and belief to some local insurance agent he had an arrangement with, and without my consent purchased automobile insurance with a company I have never heard of, XXXX, who I never purchased an automobile insurance policy from, as I was insured with XXXX, but they are still reporting on my credit report as a negative collection account. Further, the salesman knew my son, XXXX XXXX was not licensed as a XXXX Driver, and as I was told after the fact by XXXX XXXX, the dealer should have never sold me the vehicle, as my son, was the primary borrower as I needed his income to qualify. Ally through their agent at XXXX XXXX told me I was getting XXXX which I did not receive based on the agreement I signed in blank. The dealership was told my son 's father, XXXX XXXX, ( XXXX-of blessed memory ) lived in XXXX XXXX XXXX, and my son said they could contact him as an emergency contact. The fraudulent salesman told XXXX that I lived in XXXX XXXX, and my son did, which caused a major family conflict. I have never lived there, nor has my son, as the dealer had my driver 's license, and my son XXXX State of XXXX Identification. Ally refused to provide me with accurate accounting on my account. I should have been paying on a new car loan as a priority buyer, not the figure they submitted to XXXX on the document I signed in blank.Please investigate Ally and have them refund to me the monies they owe me for their agent, XXXX XXXX putting in fraudulent figures, and acting fraudulent in violation of then existing XXXX XXXX policy, and in violation of the rules of the State of XXXX Department of State regarding new vehicle registration.
|
| 02/12/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I Consumer XXXX XXXX, Sent a notice of billing error pursuant to 12 CFR 1026.13 to Ally Financial to their financial Disputes, address that is listed on their website at Ally Financial INC. XXXX XXXX XXXX XXXX, MN XXXX. On XX/XX/2021 I have noticed several billing errors in the truth in lending disclosure section of the " Retail Installment Contract and Security agreement ''. The first one being the number of payments as well as the number of payments seems to be inaccurate on the payment schedule. 16 CFR 433.1 ( d ) which describes a purchase money loan in regards to the truth in lending disclosure as defined as " A cash advance which is received in return for a finance charge within the meaning of the truth in lending act and regulation Z, which is applied in whole or substantial part, to purchase of goods or services from the seller who ( 1 ) refers consumes to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement. '' Under Regulation Z also known as the truth in lending the itemization of payments should mirror the finance charge amount as it is the dollar amount the credit will cost me. '' The next Billing error is the downpayment on the itemization of the amount financed. The {$3000.00} downpayment placed under section f which refers to net trade in is a violation of 7 CFR 1436.10 ( c ). The downpayment may not include any trade in, discount, rebate, credit, deferred payment, post dated check, or promissory not to the supplier or contractor. The next Billing error can be seen on the amount of credit provided to me or on my behalf. There is no authorized representative other than the appointed attorney in fact by the consumer to receive any credit on the consumer behalf of the consumer. I am demanding additional clarification including documentary evidence of the procedures used to come up with these itemized amounts in accordance with Generally Accepted Accounting Principles ( GAAP ). These billing errors are assumed to be a willful intent to mislead me the consumer and or to deceive me the consumer of the character/ amount of the alleged debt pursuant to 15 USC 1692e. All obligations and securities are owed to the United States Pursuant to 18 USC 8. DO NOT hinder nor delay the delivery of the consumer goods associated with the transaction.
|
| 04/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
XX/XX/XXXX - In reference to my compliant ID number XXXX. ALLY Financial responded with to my compliant with the documents that I requested. I requested a payment history dating back to XX/XX/XXXX to XX/XX/XXXX. I am disputing two factors that are reporting inaccurately. Lets start with the Cares Act which is in effect for consumers.The CARES Act and Payments to Creditors and Lenders. Under the CARES Act, creditors must make accommodations for people having trouble making payments. This does not mean that you can stop making payments. It means that they must offer you some other type of payment arrangement. You must contact your creditor or lender to make any special arrangements. The arrangements they make with you will vary. In XXXX of XXXX I was offered a Extension Agreement by ALLY Financial. The extension was for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have attached the document for Extension Aggreement and highlighted and circled the date to coinside with the Payment History documents that I requested. The CARES ACT LAW clearly states.CARES Act and Credit Reports : If you made an arrangement with a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/XXXX and 120 days after XX/XX/XXXX or 120 days after the COVID-19 national emergency ends. As you can see this act applies to me according to the law. I was current before the law was established therefore The law requires creditors toreport any account that has a payment accommodation applied to it as current to the credit compaies as long as the account was current when the accommodation was made. As you check the payment history you will notice that I was current with my payments before request help do to Covid 19. My second dispute is the inaccurate reporting of the late payments. As you check my credit reports you will noticed the reporting date do not match the Ally payment history date and amount of days late. The XXXX report is saying 60 and 90 days late and the Ally financial is reporting 30 and 60 days late. The Fair credit reporting act clearly states that a consumers credit report MUST be reported ACCURATELY. Documents attached as proof that Ally is report false information to my credit reports sence XXXX.
|
| 07/07/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
Here 're an essential timeline of events ( with paper trail evidence if needed ) of what happened with myself and Ally XXXX XXXX/XXXX XXXX up to an initial closing date of XX/XX/XXXX.
XXXX, XX/XX/2021 : My loan officer ( XXXX XXXX ), does not show up for a scheduled appointment to review my final loan estimate prior to delivering the initial closing disclosures. I attempt to call her direct line at XXXX, no answer.
XXXX, XX/XX/2021 : I call her again. Still no answer. This time I allow the operator to route me to the customer experience team, who then tells me they've reached XXXX and she would get back to me today.
XXXX, XX/XX/2021 : XXXX calls me. At this time, I receive and acknowledge all line items in my latest loan estimate with XXXX at Ally XXXX XXXX/XXXX, including a {$390.00} origination fee. This loan estimate is shared with me via PDF over email at this time. I am also informed that I would receive XXXX, XX/XX/2021 : I received my initial closing disclosures, with an origination fee that increased 5x from the loan estimate agreed upon just 4 hours prior - {$390.00} to {$1700.00}. This is well past business day.
XXXX, XX/XX/2021 : I emailed XXXX to clarify the origination fee increase.
XXXX, XX/XX/2021 : I began a 7+ hour journey to attempt to reach XXXX. I was only ever able to speak to customer experience/support, or my closing expert, XXXX XXXX, who has no power to actually resolve the matter.
Around XXXX, XX/XX/2021 : I was informed by a member of the customer experience team at Ally that we will not be able to close on XX/XX/XXXX, because the ICD was not signed on XX/XX/XXXX. The same ICD I received at XXXX.
Presently, XXXX, XX/XX/2021 : I am forced to sign the ICD to not delay closing any further than the extra day it's already been delayed to.
It is clear to me ( and hopefully the CFPB as well ) from this chain of events that I have been forced by Ally into accepting an ICD that I do not approve of by misappropriating the 3-day TRID rule and pushing closing out. While pushing the closing date is a possible solution, the cost it incurs to Ally to push the closing date is insignificant compared to the cost to the consumer.
Based on my interactions with Ally, it is apparent to me that the loan team has explicitly designed this experience to fail for the consumer.
|
| 01/11/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
On XX/XX/XXXX I purchase a XXXX XXXX XXXX vin XXXX in the amount of XXXX dollars and my financing was with Ally who was the lien holder account # XXXX. XXXX XXXX XXXX, KY XXXX. On XX/XX/XXXX the vehicle was involved in an auto accident and was damage claim # XXXX and total out. I had full coverage insurance with XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX. On XX/XX/XXXX my loan payoff amount was {$14000.00} Ally gave me a settlement offer amount of {$10000.00} this settlement offer will satisfied the original loan payoff amount and will pay the loan off which would leave a {$.00} balance the loan would be paid in full, and I would n't be responsible if I accepted the settlement offer amount. Ally financial said they will release its interest/ title on the vehicle to my company if I paid XXXX and they said the offer was good until XX/XX/XXXX. XXXX XXXX insurance issue Ally a check on XX/XX/XXXX in the amount of {$10000.00} I had to sign the vehicle title, a letter of guarantee, and sign a Power of Attorney form giving up my rights to the vehicle and the Loan. I signed over my rights from the loan and the vehicle on XX/XX/XXXX.
I accepted the settlement offer from Ally and they were paid off in full the settlement amount. Months later Ally came back to me trying to collect {$3800.00} from me which I do n't owe anything on this account the settlement offer forgive the original loan amount. Ally has reported this on my credit report and this needs to be remove from XXXX XXXX, XXXX, and XXXX credit reporting agencies. I had recently obtain a copy of my credit report, which contains inaccurate and out dated information reported by Ally I request that they remove the entire account from off my credit. I gave them 30 days and file a dispute with the credit report agencies, In accordance with the Fair Credit Reporting Act, 15 USC section 16811 this is unauthorized and illegal This need to be remove The following account is described erroneously and needs to be deleted The following account was close on XX/XX/XXXX but is not listed accurately on my credit report. I sign over my rights and interest in the loan and vehicle this was agree upon Ally and myself. I have attach documents to support my request. Please delete this account off my report they are wrongfully reportinf false information, and this is fraud.
|
| 08/26/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
On XX/XX/2020, Ally Bank offered to defer payments due to COVID-19 but in order to process this request I needed to pay the {$90.00} late fee. I paid the fee and was approved for the deferment. Despite my payments being deferred I still continued to pay something and when I logged in to schedule a payment, I noticed the {$90.00} late fee was reapplied on XX/XX/XXXX. I called and spoke to a representative. The first representative gave me wrong information so I spoke to someone else who informed me that the payment was applied as a regular principal payment instead of being applied to the late fee. When I explained that the late fee disappeared when I paid in XXXX, he agreed that he saw that and would have it corrected and to wait 4 to 5 business days. I checked my account after that time and the outstanding late fee was gone again. On XX/XX/XXXX I logged in to confirm my payment was processed on XX/XX/XXXX and I noticed that Ally once again added the late fee back to my account. I called on XX/XX/XXXX and spoke to a representative and she agreed that she saw that I paid the late fee in XXXX and that the system again applied it to the principal instead of the late fee. I explained that when I called on XX/XX/XXXX I was told the same thing and that it was taken care of. This time the representative said to wait 2 to 3 business days and I would that the issue was resolved. I logged into my account 4 days and it still reflects the late fee. So on XX/XX/XXXX, I tried to access my account via the mobile and website but it was down. I called the customer service line to listen to the outstanding balance and the late fee was not removed. On XX/XX/XXXX, when I called in XXXX for the representatives to mail or Email me confirmation of this resolution and I was told they can't do that. On XX/XX/XXXX, I called back and finally spoke to a representative, who assured me that she would take of this and she would also send me a payment history showing the late fee was paid and she would have a manager call back. But to date no one has called me and the late fee is still on my account. I checked again on XX/XX/XXXX and fee is still remaining and no call back. I called multiple times on XX/XX/XXXX and spoke to managers who said they were escalating the case, they placed me on hold and never came back to the line.
|
| 01/17/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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I have a loan that is being reported incorrectly to the bureaus in regards to payment activity for my car note on my XXXX XXXX XXXX by Ally Financial. I sent over to the company a copy of my bank statements showing the deductions from my accounts along with a copy of the payment history that was privy to me on Ally Financial 's website. They have me thirty and sixty ( 30 and 60 ) days late for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX when {$2100.00} was paid on XX/XX/XXXX, then {$710.00} on XX/XX/XXXX. The next payment was made on XX/XX/XXXX in the amount of {$620.00} because they stated that was all I had to pay for that month because an arrangement was made setting aside the full payment, then {$710.00} on XX/XX/XXXX, and then again {$710.00} on XX/XX/XXXX. XX/XX/XXXXwas missed therefore I paid two car notes in XX/XX/XXXX in the amount of {$1400.00} for both months. I paid XX/XX/XXXX 's car note on XX/XX/XXXX in the amount of {$710.00}, and the XX/XX/XXXX 's car note on XX/XX/XXXX in the amount of {$710.00}. Also I have a ten day grace period every month ; just wanting to make mention of that. Then they attempted to withdraw from my account on both XX/XX/XXXX and XX/XX/XXXX in which they should not have been trying to do, then received XX/XX/XXXX's payment on XX/XX/XXXX in the amount of {$710.00}. Then XX/XX/XXXX for {$710.00}. I am in forbearance until XX/XX/XXXX because of the conflicts of interest, and therefore did not have to make a payment on XX/XX/XXXX in which the supervisor stated I would not have finance charges nor extra fees for that month, nor would there be any negative reporting to the bureaus. In addition per my request at the very beginning of the loan, I expressed wanting all payments to go to the principal of the loan. I told them to make a note of my request in my file because to pay with a representative is a fee. To pay online is free. They claimed to have noted the account. My request has been unfulfilled from the beginning, and still ongoing. Furthermore, I am being charged excessive finance charges, late fees, and other hidden expenses unjustly. I have addressed all of this to the company as I continue to file disputes against them with the reporting agencies as well. I seem to have no other recourse. I ask that you help me resolve this ongoing issue with these companies.
|
| 11/14/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Web |
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|
XX/XX/2023 Dear Sir or Madam : I have two ( 2 ) bank accounts and one ( 1 ) investment account at the company known as Ally Bank, NA and Ally Investments , Inc. located in, among other geographic locations, XXXX, North Carolina. Moments ago, in trying to log into my account at Ally Bank and whose website is https : //www.ally.com, Ally Bank is now preventing me from being able to log into my account to make investments, to view and/or to administer my investments and to view and/or to administer my checking and savings accounts. In sum, the Subject, Ally Bank, is criminally obstructing me from accessing my accounts and my investments at Ally Bank due to Subject Ally Bank and/or Subject Ally Investments , Inc. , placing an intervening web page between me and my account summary page the absence of which would have enabled me to view my account ( s ) online, to administer my accounts online, and/or to make investments, but for the intentional, purposeful, arbitrary, and poorly placed impediment and/or obstruction created by the Subject, Ally Bank, and/or the related Subject , Ally Investments. The disruptive, obstructing, unlawfully intervening and problematic web page introduced by the Subject ( s ) has and is giving me absolutely no lawful option but to force me to comply with Subjects ' forcible demand that I acquiesce to Subject bank 's amended contract terms '' without Subject ( s ) provided any means to delay and/or negotiate their, the Subject ( s ) ', amended terms. As a direct result of the arbitrary, capricious, malevolent, and criminal obstruction of my formerly online access to my bank accounts and my investment accounts by the Subject ( s ), Ally Bank and/or Ally Investments, the Subject ( s ) are intentionally, willfully, maliciously, and malevolently preventing me from both trading using my investment account and administering my savings and checking accounts. As a result, this/these Subject ( s ) are engaging in a pattern and practice of embezzlement. The Subject Ally Bank had been contacted and is refusing to enable me to access any of my three ( 3 ) accounts. Subject Ally Bank is, has, and continues to criminally impede and obstruct my former access to my three ( 3 ) accounts such that I have neither been able to trade nor to administer any of my three accounts since XX/XX/2023.
|
| 10/03/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
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Web |
|
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To The XXXX XXXX XXXX. This content below outlines a complaint in which Ally banks utilization of the HARP2 program resulted in a devalued property, the loss of any equity and making the owner continue paying private mortgage insurance for the majority of the loan duration.
Background : In XX/XX/XXXX I refinanced my mortgage under the HARP 2 program to shorten the length of the loan lower the interest rate and utilize the streamlined process where less supporting documentation was required Ally bank was the loan service provider during the refinance during the refinance process Owners of the mortgage : o XXXX XXXX/Ally bank : XX/XX/XXXX-XX/XX/XXXX ( loan No : XXXX ).
Issues : 1 ) During the refinance using the HARP2 program, Ally bank undertook a property evaluation ( an IPV ) without my knowledge in which the property was not physically evaluated and the report was not included in the mortgage documents ( not in my copy and neither in the archived documents kept by XXXX XXXX [ current provider of the mortgage ] ).
2 ) The refinance went through and only later when I enquired about dropping the PMI the scope of the issue became apparent. This assessment was {$210000.00} as opposed to the original value of {$380000.00} and my refinance had a loan to value ratio of 152 % and thus would be forced to pay PMI for the majority of the loan. Before the refinance my loan to value ratio was 88 % 3 ) I contested the appraisal and XXXX, the current owner of the mortgage investigated and could not find any documents about the appraisal and submitted request to reject the Ally bank appraisal. The review board rejected my request noting that they did in fact have an appraisal and provided me with their information. The information provided me ( see enclosed ) was not an appraisal. It only provided their appraisal figure and noting that it was a single dwelling condominium.
4 ) I believe that the appraisal ( an IPV ) had some erroneous information leading to an inaccurate valuation. Property tax data lists the property at {$400.00}, XXXX. Further comparable properties within the same complex with the same number of bedrooms, bathrooms and pool have sold between $ 420,000- {$430000.00} ( see enclosed ). Comparable properties within the local vicinity ran from {$330000.00} to {$480000.00} ( see enclosed ).
|
| 09/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Dear CFPB, I hope this letter finds you well. I am writing to report a grave matter that has shaken my financial well-being and sense of security. My purpose in reaching out to you is to seek your assistance and guidance in rectifying a situation involving multiple unauthorized hard inquiries on two of the three major credit bureaus. If not all!!
Over the past several weeks, my financial life has been turned upside down due to what I believe to be a case of identity theft. I have discovered a series of unauthorized hard inquiries on two of the three major credit bureaus, each of which has left an indelible mark on my credit profile. The following companies have made these inquiries without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Ally Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ally Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These unauthorized hard inquiries have not only impacted my credit score but have also raised concerns about my personal information being compromised. I have taken immediate steps to freeze my credit and report the potential identity theft to the authorities.
I kindly request that the CFPB intervenes and conducts a thorough investigation into these unauthorized hard inquiries. I am reaching out to you with a heavy heart, as I am a victim of what appears to be a deliberate act to undermine my financial stability and personal security.
Please guide me on the steps I should take to rectify this situation and prevent further damage to my financial reputation. Your assistance in resolving this matter is of utmost importance to me.
Thank you for your prompt attention to this pressing issue. You can reach me at [ Your Phone Number : XXXX ( XXXX ) XXXX ] or [ Your Email Address : XXXX ] if you need any additional information or documents to proceed.
Sincerely, XXXX XXXX
|
| 05/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
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|
Web |
|
|
I called this company in the past following the purchase of the vehicle to request that the payment date be moved or that the 3rd payment be moved to the end of my contract as advised by my dealership upon purchasing the vehicle. Subsequently I changed employment after a counseling firm of whom I worked for as a contractor was sued by their stockholders and we were not informed. I called the company again to make the same request as they did not honor the previous request stating that I was 'too new of a customer. ' Now the request was being made due to the change in my finances. Although I had begun making two split payments I have not been late that would result in a change of {$160.00} and an additional charge of {$580.00} that Ally denies is on their ledger -- this charge is different from the actual payment of {$560.00} which you will see all three together on the ledge -- I will attach the ledger below if I can. So I CALLED the company again after they refused TWICE to provide me written documentation of the dates and reasons for the Late Fee assessment and the Past Due Amount of {$580.00} that is showing up on their ledger that the representative insisted was not there. When I called the representatives STILL WOULD NOT TELL ME WHY and could not justify an additional charge of {$580.00} that showed on the ledger as PAST DUE. The representative told me " You must be misreading it or you must misunderstood because I do not see what you are seeing. '' I will also attach the snapshot of this document if I can below. As I had previously WROTE to them I do not enjoy speaking directly with representatives of Ally due to the 'mockery ' and 'talking down to their customers ' that they do not seem to realize is present. When asked for the address of the Corporate location to request 'Dispute Resolution ' I was told, " We only have a Default XXXX XXXX and no physical location, but you can have the fax number. '' The documents are attached below of the : 1 ) Charge Ally denies is on their ledger 2 ) My proof that it is 3 ) My proof of the payment and 4 ) My question of why and trying to explain why talking to them is and has always been a very unpleasant experience. There was absolutely no justification or anything that I experienced that justified that I make a FORCED PHONE CALL to the company.
|
| 03/18/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
In XXXX of 2021 my college savings account was breached and scammed of over {$14000.00}. I immediately went straight to my bank and submitted files of fraud and talked with a representative over the phone who helped me summit my complaints of the fraudulent transactions and we made new accounts, passwords, and locked down my old accounts so that whoever did this was unable to do anymore damage. Ally also provided me the full provisional credit of the money lost while they were investigating the fraudulent transaction. When XXXX came, I was finalized roughly $ XXXX {$6000.00} worth of the money that was lost on the same date and time of the scam by the user that breached my account. However over {$9000.00} that was lost on THE SAME DATE AND TIME DUE TO THE SAME FRAUDULENT ACTIVITY TO THE SAME MERCHANT was deemed to be approved because I had " relationship with the merchant ''. This makes no sense whatsoever and is unfair to me as a loyal customer especially when Ally Bank is FDIC covered and I have never had history of such transactions or any problems like this before. These accounts are strictly used for college and college purposes only and my past transactions with these accounts clearly show this! I complained once more with Ally, and they told me to talk with the merchant and I did, and the merchant said that someone created an account under my name and basically catfished my identity. The merchant that this person used was a cryptocurrency service and said that they couldn't return my money because it is impossible... I've try working with Ally since XXXX to please help fix this mistake and they are unwilling to cooperate or change their decision. This is now my second complaint being summited to the FDIC and I ask for more to be done because this is an unacceptable loss of money by a bank who is covered by fraud protection. They even determined that whoever committed the fraud had internal access! Again, Ally 's dispute team is unwilling to work with me anymore and I ask that you please step in and resolve this huge mistake. I have read Ally 's documents and agreements and they cover % XXXX fraud protection GUARENTEE and they are FDIC covered of up to {$250000.00}. I can not except this and will keep sending complaint after complaint until this misunderstanding is resolved...
|
| 08/07/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
On XX/XX/XXXX I called XXXX to report a dispute with the balance on my ALLY Financial Account stating that the balance was incorrect by several thousand dollars. I submitted a dispute online as well on XX/XX/XXXX ( dispute ref # - XXXX ). I waited for this dispute to take place for several weeks.On XX/XX/XXXX I checked my account to make sure the issue was resolved as I started to apply for credit and was getting denied because my debt ratio was way over the limit. This issue got me upset and I checked to see what the problem was. I found out that XXXX duplicated my Ally Financial account using the same account number and all other information except added a different balance and now my installment Amount doubled from {$27000.00} to {$55000.00} SO, my credit score dropped drastically and now it looks like I am indebted with more vehicles and a duplicated balance. This infuriated me as now it has made me look as I have more debt than what I can handle which has cause a big burden on my credit and now it puts a stop to my life since I am trying to obtain credit to finish opening my business.I immediately called XXXX and brought this to their attention. Again, submitted another dispute by phone and online ( Ref # XXXX ) on XX/XX/XXXX I checked again and still, they have not removed the duplicated account. Again, I called but this time spoke to the Disputes Dept XXXX and explained to them the issue. They said to give them 5 days and they will fix the problem. Now, it 's been 4 months now and still, the issue has n't been resolved. I checked again on XX/XX/XXXX ( ref # XXXX ) and this time XXXX said these accounts were mine and I was responsible for the full balance and that they will not remove the second Ally account and that they had spoken to Ally and Ally said they are my accounts. Now, this is not true, as they lied to me.This is ridiculous! I now called Ally XX/XX/XXXX to see if they can help me with this problem and Ally said they sent them a letter saying I only have 1 account and gave them that info ( ref # XXXX ). I do n't know where to turn, I 've tried everything to get this issue fixed and XXXX will not cooperate. Please help me, this issue has put a STOP to my daily living as we use our credit for everything we do in life. It 's now 5 months and nothing has been resolved!
|
| 04/08/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
In XXXX of 2021 my college savings account was breached and scammed of over {$14000.00}. I immediately went straight to my bank and submitted files of fraud and talked with a representative over the phone who helped me summit my complaints of the fraudulent transactions and we made new accounts, passwords, and locked down my old accounts so that whoever did this was unable to do anymore damage. Ally also provided me the full provisional credit of the money lost while they were investigating the fraudulent transaction. When XXXX came, I was finalized roughly $ XXXX {$6000.00} worth of the money that was lost on the same date and time of the scam by the user that breached my account. However over {$9000.00} that was lost on THE SAME DATE AND TIME DUE TO THE SAME FRAUDULENT ACTIVITY TO THE SAME MERCHANT was deemed to be approved because I had " relationship with the merchant ''. This makes no sense whatsoever and is unfair to me as a loyal customer especially when Ally Bank is FDIC covered and I have never had history of such transactions or any problems like this before. These accounts are strictly used for college and college purposes only and my past transactions with these accounts clearly show this! I complained once more with Ally, and they told me to talk with the merchant and I did, and the merchant said that someone created an account under my name and basically catfished my identity. The merchant that this person used was a cryptocurrency service and said that they couldn't return my money because it is impossible... I've try working with Ally since XXXX to please help fix this mistake and they are unwilling to cooperate or change their decision. This is now my second complaint being summited to the FDIC and I ask for more to be done because this is an unacceptable loss of money by a bank who is covered by fraud protection. They even determined that whoever committed the fraud had internal access! Again, Ally 's dispute team is unwilling to work with me anymore and I ask that you please step in and resolve this huge mistake. I have read Ally 's documents and agreements and they cover % 100 fraud protection GUARENTEE and they are FDIC covered of up to {$250000.00}. I can not except this and will keep sending complaint after complaint until this misunderstanding is resolved...
|
| 10/21/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Older American |
|
On XX/XX/XXXX I leased a brand new XXXX XXXX in XXXX, CO. The lease was for 3 years, I made every payment on time, and took very care of the car. At the end of the 3 years, I extended the lease for another 6 months. I had excellent credit and very good job. In late XXXX my wife fell ill and after tens of thousands of dollars of medical bills she became disable and couldn't work. We accumulated high credit card balances. However, I never missed a payment on any of my credit cards or the lease payment.
In XX/XX/XXXX XXXX informed me that I can't extend the lease any longer if I want the car, I can buy it. They told me that based on my excellent payment history with XXXX, if I finance it with XXXX the interest rate will be between 4 % - %, but I have to do that at XXXX Dealership, so I went to the closer XXXX Dealership on the last Saturday of XX/XX/XXXX. XXXX XXXX in XXXX, MN lied to me and told me that they can't finance the loan with XXXX XXXX, it has to be a BANK. They recommended Ally. I wish I never went to this dealership, other XXXX dealers in the area told me ( after the fact ) that XXXX did not use XXXX because Ally pays them to bring customers in. They told the interest rate will be 9.25 % for 60 months. I thought with my excellent credit it should be much less however, it was the last day I can buy or turn in the car.
Ally Financial and XXXX XXXX took advantage of 70 year-old trusting man. Ally knew that they were deceitful so they didn't send me any paper work, and their website doesn't show how much was charged, and the statement have to be downloaded and it doesn't show much either. After paying Ally about {$8700.00} ( 33 month X XXXX ) they show that I still have 41 month remaining at XXXX that another {$10000.00}.
I called Ally at the beginning of the year and asked them if I can make the payment on the XXXX of the following month rather than the XXXX of the month, they said if it's less than 10 days there will be no late fees and no extra finance charges. On XX/XX/XXXX I called again because I saw the finance charges would be much higher this year than last year. After 45 minutes with the agent, he would not give me any details. So, I gave them a low point feedback, I received a call from Ally the same day. I will attaching printouts to show how deceiving Ally is.
|
| 03/03/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
I initiated a {$2000.00} money transfer to a friend through my bank 's XXXX system. It said they couldn't send it, and I was told to call them to resolve the issue. I called them and after answering all of their many questions to authenticate me, they asked me to provide them with a cell phone number so they could send me a text message. I have no cell phone, and providing them with a cell phone number if I had one makes no sense because that wouldn't be secure since they wouldn't be using a number already associated with my account. Because I couldn't provide them with a cell phone number, they claimed this made it so they couldn't authenticate me, and they told me they were freezing my account and that I would have to call back in a few days ( what would that accomplish? ). Because of this, in-flight checks I had made bounced and I could no longer use my debit card. All of my money was cut off from me.
A few days later they emailed me telling me to call them, so I did. They asked me questions such as what was the money for and other infuriating questions. I told them I started the transfer, that I authorize the transfer, that it's my money, and that my friend needs it so I'm trying to send him it. They told me they'd continue investigating, and my account continued to be frozen.
A few days later, they emailed me again telling me to call them again, so I did. They asked me even more questions, this time revealing the actual reason for all of it which was that because I was logged into their website from XXXX, they froze the transaction. I fully understand temporarily doing this from a security perspective to safeguard my own money and to make sure no one is trying to steal it, but when I call them and confirm with them that it's okay and that I authorized it and want the transaction to proceed, and they refuse to listen to me even after fully authenticating with them and answering a million security questions with them, that is crossing the line. They're holding my own money XXXX with no way to get access to it now and they have no physical branch locations for me to go to. This is a very authoritarian move. If this kind of behavior has been sanctioned by the U.S. government by law, whether this is the Patriot Act or other such unconstitutional laws, it should be struck down.
|
| 05/16/2022 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
Ally has violated my Federally Protected Consumer rights under the FDCPA and TILA.
ALLY FINANCIAL is a debt collector pursuant to 15 usc 1692a ( 6 ). Any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debt.
ALLY FINANCIAL is in violation of 15 usc 1692c ( a ). A debt collector may not communicate with a consumer in connection with the collection of any debt.
ALLY FINANCIAL is in violation of 15 usc 1692b ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt.
ALLY FINANCIAL is in violation of 15 usc 1692b ( 5 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.
ALLY FINANCIAL is in violation of 15 usc 1692d ( 2 ). A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person with the collection of a debt. The use of obscene of profane language or the natural consequence of which is to abuse the hearer or reader.
ALLY FINANCIAL is in violation of 15 usc 1692c ( a ) ( 1 ). A debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer.
ALLY FINANCIAL is in violation of 15 usc 1692e ( 8 ). Communicating or threating to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
ALLY FINANCIAL is in violation of 15 usc 1635 ( a ) in the case of ANY consumer credit transaction in which security interest is obtained, the obligor shall have the right to rescind the transaction until XXXX of the third business day following delivery of rescission forms required under this section.
|
| 07/06/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Servicemember |
|
On XX/XX/XXXX Me and my husband bought a used XXXX XXXX vin # ( XXXX ) from then called XXXX XXXX XXXX now XXXX XXXX XXXX ( XXXX ) XXXX for {$46000.00} which really was a ripoff, accepted the deal due to having bad credit. 8 months later a deer ran into the front bumper side with minor damage, less than {$2000.00}, but the repair shop had to remove the front bumper, they realized that the vehicle had already been in a major accident because of bad repairs was obvious ( welded areas was rusting and wirings was terrible ), my insurance stated that they would only repair my damaged, we tried resolving the problem with the dealership which kept stating they could get us into something else, plus the next day after we got the vehicle I tried calling to get out of the vehicle because I really realized {$940.00} a month was just too much, but we never got a call back. Well once we contacted them after the accident and let them know we realized it was in a accident and that the XXXX that we got from them stated no accident on the vehicle in the year XX/XX/XXXX or XX/XX/XXXX, so they said we could get another vehicle with {$10000.00} down, which was totally impossible for us. Therefore we was stuck with keeping the vehicle, so I`ve been working on this for about 8 months, I narrowed the search to what insurance company paid the claim of almost {$14000.00} ( XXXX XXXX and the owner and the repair shop, spoke with someone at the repair shop ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the person I spoke with said they would see what they could do and get back in touch, never called me back, I called back he said he haven`t forgot me, right today, I haven`t heard anything back. In the mean time I was riding in a incomplete unsafe vehicle, therefore me and my husband made a decision to get out of the vehicle, voluntary repossession, now the financial wants the difference of the lost when they sold it, I feel really sad for them selling a unsafe vehicle that one day the whole from end may come off while someone is driving it, I tried explaining the situation to them, but they`re only concerned about their money! I`ve tried contacting XXXX, but no response. Now the financial company wants us to pay them {$20000.00}.
Please help us resolve this issue and hold the car dealership reliable!
Sincerely,
|
| 11/21/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
|
|
On XX/XX/XXXX, I went to XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, to purchase a XXXX XXXX XXXX XXXX XXXX VIN : XXXX Using printouts of applicable State and Federal laws, I explained to the salesperson and the finance rep ( likely an employee of XXXX XXXX per banks ' paperwork ) that due to the process of securitization, I would submit one application only, and that they only had power of attorney / permissible purpose for one inquiry to Ally Bank because I had already been in contact with their underwriting. The dealership proceeded to breach fiduciary duty and violate state and federal law by submitting my application a total of seven ( 7 ) times to two separate institutions ( Ally XXXX and XXXX XXXX XXXX ), and also provided me with an adverse action letter for in-house financing, making eight ( 8 ) total deposits. Ally Bank received six ( 6 ) of those deposits, as evidenced by their own correspondence ( attached ).
The dealership violated their fiduciary obligations and exceeded their powers, which resulted in the deposit of eight securities with principal values near {$34000.00} apiece. I was not able to view any of these applications after submittal despite requesting them.
The Federal Reserve Act, which helped establish our current banking system, requires that all applications be approved as long as it's been accompanied by some sort of collateral. In this instance, the " promise to pay '' contained within each application acted as a negotiable instrument and was deposited at the financial institutions in a receivables account per 12 USC 1441 ( g ) ( 2 ). Since none of these applications were returned to me, and since ARS 47-3202 allows for the negotiation of such fraudulent instruments, I assume these deposits were credited.
As is obvious, the truck was titled in my name before being pledged as collateral within the security agreements. Due to the misdeeds by the dealership and finance rep, I was unable to perfect my security interests and therefore was forced to relinquish the property.
I returned to the dealership XX/XX/XXXX because the dealership agreed to return the applications, but all I received was the photocopies of my supporting documents. As mentioned earlier, I still have not received my original instruments nor the property.
|
| 02/24/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
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XX/XX/XXXX called and requested payoff amount to payoff XX/XX/XXXX. Amount given and paid in full XX/XX/XXXX XXXX checked online to make sure payment posted and {$24.00} late fee assessed. Called customer service and explained I was never informed there would be a late fee if paid XX/XX/XXXX and obviously amount not added to payoff amount. Requested the late fee be waived. Rep said he would request waiver.
XXXX checked online fee still not waived called back told takes 24-48 hours XXXX checked online again still not posted called again informed that it was approved but they are waiting for it to be posted can take up to 4 days XX/XX/XXXX checked online again still not posted called back was told it was approved and they had some kind of system update causing issues please be patient.
XX/XX/XXXX called and checked again no changes. A lot of apologies but no assistance.
Called a few more times given the same story it has been approved waiting for it to be posted internal issues because of update apologies and request for patience.
XX/XX/XXXX checked online again still not posted call again and request satisfaction department, speak to woman who acknowledges approved waiver says it has not been posted but she would put in request for release since it was approved should receive a fax copy in 48 hours. Never received XX/XX/XXXX called to 2 separate departments and was told NO managers to talk to department who posts credit gone for the day but they would send an email to have it reviewed and expedited, but release would not be issued until credit posted.
3 weeks I have waited 3 weeks of being given the run around, 3 weeks of no one fixing the problem and 3+ weeks of waiting for a satisfaction because they cant fix problems on their own system update.
I and no one else should be punished because of their internal problems. I can not get clear title without a release from them to sell my car. It is unacceptable, they make promises and dont follow through, I am worried they are gon na report this on my credit as past due when it is paid in full. I have read numerous complaints about them and their predatory, unethical and useless customer service practices. They want their money and will ruin your credit to get it but wont complete the process once they receive their money
|
| 11/29/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
Someone fraudulently opened an Ally Bank " Everyday Cash Back '' MasterCard using my credit information and under my name and social security number. When I received the notification that I had been approved for the Ally credit card ( that I absolutely did not apply for ) I immediately called Ally 's fraud and security department to report this fraudulent activity. I was tossed from one customer service representative to another without any real explanations why. Each representative asked for my full social security number, and when I told them I was nervous about giving it to them because obviously my SSN had already been compromised, they told me that was the only way to confirm my identity. When I finally reached someone in the security department that said they could help me, this costumer service representation told me she could " lock '' the account so it can't be accessed, but she couldn't close the account because it had been opened too recently ( the same day as my call ) and still needed to be processed. They asked me to call back the next day to fully close the fraudulent account. When I called back the next day, the lady I spoke with said they would need to do an investigation before fully closing the account. This is not what I was told the day before. Then I was told I needed to wait 7-10 business days for documents they would be sending me in the mail to fill out and then send back, in order to " get more information for the investigation ''. So I'm supposed to sit here and take their word that my account has been locked and the perpetrator can't access those funds? There is no way for me to actually know that someone hasn't already spent the whole limit of the credit card by now. They could have maxed out the card and I would have no idea. This has been a very stressful situation and I've tried getting it under control as fast as I possibly can, but Ally has not been helpful in the least bit. No one seemed to know exactly how to handle this or what to tell me. This can't be the first time someone has had their identity stolen and was used to get an Ally credit card. So why isn't there an immediate action SOP in place for situations like this? Altogether, Ally was not an easy or helpful company to deal with this incredibly stressful and harmful situation.
|
| 09/13/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I called Ally Financial today XXXX/XXXX/XXXX in regard to a fraudulent account reporting on my credit report. I spoke to a representative named XXXX who was extremely rude. I could n't understand why she was being so rude when I was quite cordial. At any rate, i explained to XXXX that I had been a victim of identity theft dating back to XXXX. I explained that I added a fraud alert and a security freeze to my credit report. I also told her that no one contacted me regarding opening a new account with Ally Financial despite the fraud alert being on my report. XXXX asked me some questions such as account number with which I could not answer. XXXX very rudely told me she could n't give me any information because it was not my account. I explained to her that there appeared to be a payment history reporting o the credit report and I wanted to request the documents as I had no bank account once my personal information was compromised and used fraudulently. XXXX told me she could not provide me with that information and I would have to speak to the fraud department. I asked her if she had a direct telephone number for the fraud department and she said " NOPE '' and hung the phone up on me. I immediately called back and I spoke to XXXX who would not provide her last name. I explained too her that someone had stolen my information, I placed a fraud statement on my credit in XXXX, prior to what states the opening date of this account was and no one called to verify anything. I explained to her that I new nothing about this account and I was hoping to receive documentation so I can find out what account was used to make payments and who 's account it was. XXXX told me she could not provide that information. I asked XXXX if I could have the fraud departments telephone number and she stated that I was in the fraud department as XXXX had just previously said I was not. I do not understand why they will not provide the documents used to put this fraudulent and inaccurate account on my credit report. XXXX stated it is not my account. Therefore, It should be removed. At present, I have no definitive answers or feedback from Ally Financial, only a very rude representative who obviously does not understand the impact this has had on me. I have not utilized credit since this began in XXXX.
|
| 07/15/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
On XX/XX/XXXX, I went to XXXX, located at XXXX XXXX XXXX, XXXX, NJ, and purchased a XX/XX/XXXX XXXX XXXX. On this day I gave XXXX XXXX " XXXX '' XXXX a personal check in the amount of {$2300.00}. On XX/XX/XXXX, I was contacted by XXXX XXXX XXXX XXXX and was advised that I had to return to the dealership and resign the documents, which I did. I noticed that the documents ( Bill of Sale ) I signed were under the name of XXXX Auto Sales. XXXX XXXX stated he and XXXX XXXX were partners and that as soon as they receive payment of the remainder of the money, I should get my permanent plates and registration and that the original title would be forwarded to the lien holder or given to me, depending on how payment is made. On XX/XX/XXXX, I went back to the dealership and gave XXXX XXXX and XXXX XXXX a cashier 's check in the amount of {$23000.00}. On this date I was advised that I should receive all documentations and permanent plates within two to three weeks. This was not the case. I called and texted XXXX XXXX and XXXX XXXX, on many occasions and requested the documentation and plates or my money back, plus interest, to no avail.
On XX/XX/XXXX, I made a complaint with the New Jersey Department of Motor Vehicle, Investigations Department, which is being investigated by Investigator XXXX. On XX/XX/XXXX, I went to the XXXX Police Department to file criminal charges against the Dealerships ( XXXX and XXXX Auto Sales ), XXXX XXXX and XXXX XXXX. On or about XXXX, I met with Detective XXXX of the XXXX Police Department and filed a Theft by Deception charge against XXXX XXXX " XXXX '' XXXX ( XXXX ) and XXXX XXXX XXXX ( XXXX Auto Sales ).
On Saturday, XX/XX/XXXX, my vehicle was repossessed by Ally Bank, who is the previous owner lienholder.
On Monday, XX/XX/XXXX, I called Ally Bank and spoke with XXXX. I provided her with copy of the Bill of Sale and the checks. I received a return call from XXXX XXXX ( sp ) and was advised that they could not release the vehicle as they ( Ally Bank ) have not been paid. She also advised that the vehicle will be put to auction within 15 days from the repossession date. I tried working with Ally Bank to see if I can get the vehicle back as I need to get back and forth to work. She 's stated that she was sorry, but to there 's not much she could do.
|
| 05/23/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
Here is a timeline events : XX/XX/2023 - Traded in lease for XXXX account XXXX to XXXX XXXX XXXX XXXX XXXX, Ohio XX/XX/2023 - Received call from Ally Financial that I was late on paymentI explained that I had sold the car the previous day.
XX/XX/2023 - Received another call from Ally Financial stating payment was lateI explained that I had sold the car again.
XX/XX/2023 Through XX/XX/2023 - Received multiple calls from Ally Financial stating payment was XXXX explained that I had sold the car again.
XX/XX/2023 - called XXXX XXXX XXXX of XXXX, Ohio and they provided the following information about the payment : Check XXXX in the amount of {$44000.00} was sent to Ally Financial via XXXX, tracking number XXXX, received by Ally Financial on XX/XX/2023 at XXXXXXXX XXXX XX/XX/2023 - I called Ally Financial back and was directed to their collections department where I provided them the information that XXXX XXXX XXXX XXXX XXXX provided me.
They noted this and I stopped receiving calls from Ally Financial.
XX/XX/2023 - I checked Ally Financial website for my account XXXX. The balance reported was {$0.00}, listed as paid off and no longer past due.
The payment was listed as a credit and a debit in the same amount of {$44000.00}.
XX/XX/2023 - I received an alert on XXXX that I had a credit score drop. I checked and my XXXX score had dropped by XXXX points and I had a 30 Day Late reported by Ally Financial on lease XXXX.
XX/XX/2023 - I logged back into my Ally Financial account and saw that it was Past Due again with a balance of {$19000.00} and 26 payments remaining.
I called Ally Financial immediately and was told that systems were down a that they could not do anything.
XX/XX/2023 - I received two more XXXX alerts that my scores had dropped. My XXXX dropped by 60 points and my XXXX dropped by XXXX points.
XX/XX/2023 - I called Ally Financial again and spent 3 hours on the phone being transferred to different departments before finally being told that the check had been canceled by the dealer and that I needed to call them.
XX/XX/2023 - I called XXXX XXXX XXXX of XXXX, Ohio and they began researching the issue further.
XX/XX/2023- XXXX XXXX XXXX of XXXX, Ohio called me back and stated that the check had cleared and never returned to them or canceled.
|
| 06/09/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Summary : Ally XXXX is erroneously charging us for property taxes that are not assessed by XXXX XXXX. Repeated discussions with their people, and referrals to their Escrow department to double check, have been ineffective. With this mistake in place Ally Mortgage is raising our monthly escrow payment by nearly $ XXXX, which we will not pay and they have been unable to correct.
Our home property taxes to XXXX XXXX, WA are {$8900.00} annually, payable by XXXX installments, XXXX in XXXX and XXXX in XXXX each year.
We received an Annual Escrow Account Disclosure Statement from Ally Mortgage, dated XX/XX/XXXX. This statement indicates that XXXX separate disbursements were made from our escrow account in XX/XX/XXXX, XXXX for {$4400.00} and a second one for {$3500.00}. Both payments were described as being " XXXX. XXXX '' payments. The {$4400.00} payment is the proper amount owed, a XXXX XXXX treasurer statement dated XX/XX/XXXX showed that {$4400.00} was received and credited to our account, and NO further taxes were due by us until XX/XX/XXXX.
The {$3500.00} amount that Ally disbursed from our escrow account. is NOT ours to pay. XXXX XXXX treasurer did NOT receive a payment of {$3500.00} for our account. I have spoken with them about it and they verified they did not receive that.
On XX/XX/XXXX at XXXX PST I called Ally Mortgage at XXXX. I explained the situation to the customer representative and she said that the Escrow department would research this and send me an updated statement.
I did receive an updated statement and it still indicated this bogus {$3500.00} charge.
On XX/XX/XXXX at XXXX PST I again called Ally Customer Service and spoke to a gentleman about this issue. I asked him who this bogus payment of {$8500.00} was paid to and he said it was paid to XXXX XXXX. XXXX XXXX denies that they received a payment in this amount for our account. After several minutes of wrangling he said he would personally look into this and call me back.
As of XX/XX/XXXX I have received no further response from Ally bank and have decided to file this complaint.
Until this is resolved I have canceled our AutoPay to Ally XXXX. Payments will be made by a mailed check that will continue principal, interest and escrow payments made before this error was introduced.
|
| 12/04/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Older American |
|
On XX/XX/XXXX, a debit from a XXXX transaction posted to my Ally account ending in XXXX. I discovered this on XX/XX/XXXX and immediately contacted Ally and filed a dispute with a customer service XXXX On XX/XX/XXXX, I was issued a provisional credit and I thought that would be the end of the problem. Please understand, I did not do a XXXX transaction in my Ally account. It was done by somebody other than myself, a hacker I believe. I never set up any XXXX to be done in my Ally account. That was done by the hacker. On the same day, XX/XX/XXXX, another XXXX transaction was attempted in that same XXXX Ally account for {$990.00}. Ally rejected that one but allowed the smaller one to be completed. I was never notified via email, phone call or text of these XXXX transactions by Ally. I discovered them when I was online examining activity on my account. On the same day, I transferred all monies from the XXXX account to a new Ally savings account ending in XXXX. I also changed user IDs and passwords to both accounts. I received a letter from Ally dated XX/XX/XXXX saying that Ally had rejected my dispute, that no error had occurred and that the transaction was completed with a merchant that I had an established relationship with. This is absolutely not true. I attempted to file a XXXX dispute on XX/XX/XXXX, this time speaking with a supervisor. On XX/XX/XXXX, I called back and was told that the XXXX dispute was denied. I called back on XX/XX/XXXX and was told that the dispute was closed not denied because it was deemed a duplicate. On XX/XX/XXXX, I spoke to a person in Loss Prevention and she spoke to somebody in the Fraud department and they said it was final. According to her the Fraud department said they spoke with XXXX directly and based on their communication with XXXX they came up with their final decision. Please understand, I was never allowed to speak with anybody directly in the fraud department, which is unbelievable and very frustrating to me. That the XXXX transaction was done is not the question. The question is whether it was done by me and how they could know that by talking with XXXX, I do not know. But let me make this clear, I did not do this XXXX transaction. I have only ever done and set up XXXX transactions in my XXXX checking account, period.
|
| 11/12/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Servicemember |
|
In XXXX of XXXX, I contacted Ally Financial so I can voluntarily surrender my vehicle and my wife 's vehicle because I was on XXXX XXXX orders and I was also the only one working. In addition, I explained that we have XXXX kids, but that my wife and I took into our home an additional XXXX children from family members because they were basically homeless and were not attending school. The surrender of the vehicles immediately added more than {$1100.00} per month ( from car payments, insurance, fuel, and maintenance ) back into the budget and helped ease the burden of the increase in family. My wife used to work from home as a customer service rep, but was let go by the company because customers started complaining about all the noise in the background ( this was before COVID-19, so kids bickering in the background was not as acceptable as it is today ).
My complaint is that Ally Financial took the two cars back, and just like most auto finance companies, most likely sold them at auction, used one of their " sister '' agencies to buy the car back ( for pennies on the dollar ) to put it back on the market for reselling, and wrote off the remaining balance when they did their taxes. And for the last three years, Ally has been reporting to the credit bureaus an outstanding balance that WE ALL KNOW was satisfied back in XXXX when they wrote it off in their taxes.
So, my question is this : 1. Is the SCRA really protecting Servicemembers when credit companies can easily bypass the SCRA and go after Servicemembers to collect a debt they have already got compensated for, either directly ( through a tax write-off ) or indirectly by using a third-party " sister '' agency to buy back repossessed property for pennies on the dollar, selling it for more profit, and then trying to DOUBLE DIP by reporting to the credit bureaus an arbitrary balance that no longer exists, in an attempt to intimidate Servicemembers to pay for a balance that was written-off and the property resold for a bigger profit?
2. How many Servicemembers ( and consumers ) are being screwed this way?
3. Are there any lawyers out there that would be interested in starting an inquiry to see how many credit companies are practicing these tactics, and whether there are grounds for a class-action lawsuit?
|
| 03/06/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Servicemember |
|
Auto loan through Ally Financial was opened XX/XX/XXXX fir {$30000.00}. The loan payments were roughly $ XXXX/mo. The monthly payments were made on time or early each month and at times made with double payments all the way until XXXX calendar year. There were three months were the payments started to get late do to marital issue at the time along with some other financial issues that arose from the start of marital separation and divorce. Ally was contacted on multiple times regarding the late payments and sought help from them for possible refinance, or any other assistance. I was told that at the time of that they were unable to offer assistance because the principal amount was not low enough for a refinance, however I argued this point with them and informed them that I applied for a refinance with my personal bank and was approved for loan with lower interest rate and payment however the amount approved was for minus {$2000.00} so I would have still been left with a balance owed to Ally and had to make two payments. The vehicle was repossessed around the summer of XXXX. I had sought more help from them after the repossession due to having {$200.00} dollars less than the full amount to get vehicle back amd they refused to work me regarding a plan as like was done leading up to the repossession. The vehicle was sold in auction however the amount sold for was not able to cover remaining balance. Since XXXX the auto loan went to collection and had been paid back under hardship at {$25.00} a month. The loan was recently sold to another agency and they are threatening legal action because its being paid back under hardship and not at a high enough payment. The amount owed is {$12000.00}.
Ally recently hit my credit report after I filed a dispute through the credit bureau requesting the monthly payment of {$25.00} be reflected as being paid toward balance and instead I encountered a 32 point hit because they claim I only pay 6 % of the time. It is my belief that Ally benefited from their predatory practices that only benefited them and not the consumer that held the loan by negotiating terms or stipulations that were not achievable by the consumer therefore causing financial harm to the consumer while Ally made money off of the consumers financial trouble.
|
| 12/18/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
We have XXXX auto loans with Ally fin. XXXX is perfect XXXX is total disaster. We bought XX/XX/XXXX and paid auto pay on both every month in XX/XX/XXXX loan XXXX 's auto payment was cancelled by Ally by mistake they never contacted me ( loan XXXX still perfect ) I got a letter saying we owed 2 months + late fees I paid over the phone one payment and was told I could resume auto pay once acct was current. I have continued to pay each month sometimes early and every month Ally says we are one payment behind because they apply my payment to the previous month and report it the the credit bureaus as missed payment ( not late but missed ) they have done this 8 times and now have ruined our credit. My husband and I have both tried numerous times to explain this and writing letters emails calling etc to fix this to no avail. My husband works for XXXX and they use Ally for most loans there and we have had such a devestating experience with them he has informed his bosses as to the trouble this has caused. I have all documentation supporting my payments and every month they do it again and again. I am unable to refinance my home because of them. I am considering getting an lawyer but do n't know where to go. My husband even offered to give them an additional payment if they fix our credit but we do n't trust them. If we pay them more how do we know they will really fix our credit score with regards to them. My husband is so upset that he has even considered telling them to just take the care back. Why would we do that though because we have made all of these payments. It does not make sense. We have XXXX car loans with them how can XXXX be perfect and XXXX be totally messed up? It is so frustrating and has really effected our life as we have XXXX kids and do n't make a lot of money and our only hope was to refinance our home as we have never been late in a payment and have good equity but our credit is low mostly because of Ally. Every time I call to speak with someone I am just treated like an XXXX and they just talk in circles and read from some script telling me how they understand and they are sorry and blah blah blah ... Oh and by the way when can we get that payment you owe? ughhhhhh!!!! I HATE ALLY!!!!!
Please please help us.
Thank you XXXX and XXXX XXXX
|
| 10/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
Servicemember |
|
So I did 3 disputes to all 3 Credit Bureaus ti have this fraudulent charge account removed from my credit report and my spouse. The already messed up and reopened the Charge off account on XX/XX/XXXX on my XXXX report and the reporting me have a Current Auto Loan with a MISSED PAYMENT as of XXXX XXXX XXXX notice this account was charged off and closed XXXX XXXX XXXX and my documents on my other complaint shows you the proof. So this complaint is for my XXXX my credit score and report a dispute code was Added and removed by Ally Financial on XX/XX/XXXX which updated today XX/XX/XXXX where the put on my credit report for XXXX once again which dropped my credit score from a XXXX to a XXXX which is terrible a XXXX points decrease and they have changed the codes 3 times since XX/XX/XXXX ruing my CREDIT and they have on XXXX. Yesterday XXXX I called Ally Financial several to be hung up on, transferred, and each representative refuse to give me the charge off paperwork and XXXX was suppose to be handling this case she do not call back her supervisor wont call back and she said that she would have a supervisor which his name was XXXX email documents on this account and he never called or emailed them EVERYBODY is refusing to to call back, answer the phone, and refusing to give me the charge off documents on this FRAUD ACCOUNT that should have been DELETED back in XX/XX/XXXX. This is my second complaint in 2 days different Credit Bureaus. I am tired of this COMPANY they have DESTROYED my CREDIT and something needs to be done. The FCRA violation that will be brought again them is reopening a charged off account and reporting that I have a current missed payment will be ENFORCED and dealt with through the appropriate channels on this HORRIBLE financial company that should be OUT air BUSINESS. I am going to take ACTION soon for FCRA VIOLATION this account NEEDS to be DELETED off our credit remand you need to FIX this MESS NOW. Ally Financial you will get your day for ruing my CREDIT on my XXXX REPORT because of your remark code you have dropped my credit score on XXXX from a XXXX to a XXXX twice this month which is a XXXX points decrease because of there REMARK CODE..ALLY FINANCIAL you ruined my CREDIT and you are going to have to PAY for this in the long run.
|
| 02/05/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
I live in California. On XX/XX/XXXX in California time, I submitted 2 payments selecting XX/XX/XXXX as the payment date on the Ally app. One for {$28.00} and another for {$23.00} both to the same biller : XXXX Credit Cards.
I submitted the payment and then received an email from Ally that I submitted 2 same day payments and would be charged a {$9.00} fee for each. The issue was timezones as Ally uses Eastern time.
I don't have issues with the timezone cutoff, but my issue is that I was not warned that a fee would be charged for those payments or else I would not have submitted 2 payments for such small amounts to the same company each triggering the {$9.00} fee!
Prior to that email, I received no warning that I was either making a same day payment nor that I would be charged a fee. I was also unable to cancel the payments.
I contacted Ally immediately and asked them to assist. I offered to show them exactly what occurred and they declined to walk through it with me on the phone but said I could upload proof via their secure messaging system.
I captured a video showing the issue, as I was able to replicate it again but then when trying to upload the video their secure messaging system only accepts images.
The issue with screenshots is that I'm trying to how proof of not being warned of the fee, which is not something a screenshot can convey, that something is missing ....
I uploaded some screens anyway and they said they found no issue, the problem is that it's only apparent in a step by step video.
I called them back today asking if I could send them the video via email or some other means showing everything end to end and they stated that they're unable to accept any kind of video and that their decision was final.
In essence, they are unwilling to even review my video proof of the issue, refused to acknowledge the issue and would not refund the fees. This is appalling especially when it involves charging customers fees that they then can not escape. I think this could be a UDAAP violation.
I have attached video showing that I was able to replicate the exact issue minutes after those payments were created. The app showed XX/XX/XXXX as PAY TODAY and that selecting XX/XX/XXXX did not trigger a same day warning or any kind of fee.
|
| 01/15/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
If it were possible to give ZERO stars I would. Ally is the worst place to have a auto loan with. They are unreliable, untrustworthy, and have zero communication. First- Ally canceled my automatic payments on my car and then told my lawyer that my car was paid off. Which I knew was not the case. Anyways after that got resolved they said we owed late fees ( which is crazy since we couldn't get into the account because of something they did without our permission on their end ). So the car loan re-appeared. Which is fine because we still owned on it. For those 4 months that the account " disappeared '' they said we owed them late fees. Either way. The car is NOW paid off and has been since XX/XX/2019. They refuse to give us the title to my car because they are trying to charge us those late fees still even though the account has been closed out so we can even see what late fees that are referring too since it was them that made our account disappear for that period of time. We have been trying to contact them literally 100 times since XX/XX/2019. We have been transferred to all kinds of " Management '' if you want to call them that, with no response. They refuse to do anything to solve the problem. To make matters worse. They have a man named XXXX XXXX call every morning threatening us about the late fees. That we shouldn't even owe. Then XXXX XXXX hangs up on you every time you ask to speak with a manager. Now the so called managers name XXXX XXXX and XXXX XXXX refuse to call back or take any calls to resolve this matter. Also after looking over the contact that they send us it shows that they are in breach of contract due to the fact that they did not follow their own rules that states late payments would be added as more to your bill at every month or that the final amount would be taken out as a lower amount at the end of your lease. Which did happen, we made the final lesser payment which means it should be paid off. ( I have attached a picture below ). Now that the car is paid off, we have no access to the account and have to go off of the XXXX that they are saying. Again we have been dealing with this for almost a year now. This company is a joke! I wouldn't recommend to my worst enemy. I would rather pay more money and go with a good company.
|
| 10/18/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
I have an auto loan with Ally Financials, I recently moved from XXXX XXXX to XXXX XXXX and I need to register my vehicle, however without the the title I can not do so.
On XX/XX/XXXX, I contacted Ally for assistance on obtaining a copy of the certified title. They advised me to fax the documents, they were faxed and confirmation was received.
Since i had not heard from them, A month later I followed up with Ally, and they asked me to re-faxed the documents and again on XX/XX/XXXX I sent them along with the previous fax confirmation.
On Tuesday, XX/XX/XXXX, and on Friday, XX/XX/XXXX once again I followed up. They asked that I faxed the documents again.
On XX/XX/XXXX they notified me that they dont hold titles on financed vehicles as per XXXX regulations the Department of Motor Vehicle held the title and that I needed to go to the DMV department. So, today XX/XX/XXXX, I went to the DMV department and they advised me I had to go back to and have them ordered the title as they own the lean on the car. So DMV were not able to assist.
So, I went back and called Ally, spoke with about 4 different representatives for almost 2 hours and no one was able to assist.
On the fifth attempt I asked to speak with a supervisor, XXXX assisted me and contacted the title department, jointly, we spoke with XXXX who at the end told XXXX to process the title request ( she had no idea on what she was doing ). This time I was told to fax my drivers license and the DMV form, MV-902 ( XX/XX/XXXX ) and to call as soon as it was fax to confirm receipt.
20 minutes after faxing the documents to the fax number provided for the 4th time ( XXXX ) I spoke with two different representatives with no success. They were unable to confirm this information, got frustrated and both times they hanged up the phone on me.
As of today, this issue is still outstanding. No calls back have been received. I have been patient enough for the past 6 weeks. I cant even register my vehicle and its an inconvenience. I need help! I cant seem to go anywhere with these people. There customer service team appears to not know what they are doing and I have received different responses from different people on the same topic. They lock follow up skills, sympathy, and simply Do NOT CARE.
|
| 11/02/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
Servicemember |
|
Hello, In regards to Bank Account # XXXX On : XXXX XXXX, 2016 XXXX XXXX , CA, XXXX - {$93.00} This charege appeard on my Bank Account . Once I noticed the charge, I immediately called Ally Bank and filed a dispute against this merchant of which I have never done business with. I 've never heard of this merchant.
I had a new card shipped to me, and have not heard anything about this since.
That is, until XXXX XXXX, 2016, when this appeared on my account : XXXX XXXX, 2016 XXXX XXXX Dispute XXXX ( Reversal ) - {$93.00} I called into your Bank and pleaded my case that I have not done business with this merchant, and do n't think that this company and Ally basnk should be ripping me off for almost {$100.00}.
Your representative stated that she spoke with a girl in the disputes department and she told her to tell me that I should call my merchant and see if they would work with me. EXCUSE ME?
I was then placed on anoher hold, while the rep, called over to disputes again.
So, a girl named XXXX is 3-wayed into the conversation and says that the Bank sent a request to the merchant with the dispute. The merchant sent the Bank back documentation to prove that it is valid, which she had in front of her. An argument ensued when I asked XXXX to show me the documentaiton. She says that she will open up a SalesForce case to get the information. This proves that XXXX XXXX from Texas lied to me. XXXX changed her story 15 times, when I demanded her Managers name and phone number. She stated that she was the Manager as if she hired herself. I demanded her employee ID #, of which she refused to provide. This bank is XXXX-like.
If Ally bank refuses to give me my funds back, there will be an Attorney Generals complaint filed against you.
I will also obtain a re-finance and move my Car Loan someehere else.
I expect this issue to be resolved immediately. After that I will shut my Bank account down with you. It 's such a shame that the relationship lasted only 1 year. I 'm glad your Bank finally showed its true colors. And I will advise others to stay away from your bank. Yes, I work at a large Corporation as well.And reputation means everything. I as well speak to customers over the phone in a call center, just like XXXX.
Just wait. I will remain with XXXX!
|
| 07/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
Response to CFPB # XXXX, XXXX Just today I received a response from XXXX with Ally Financial XXXX I do not have her email therefore I want to sum up this whole ordeal as I understand it and hopefully she can tell me if I am correct in the understanding?
I took out a XXXX loan with Ally in XX/XX/XXXX and never once have missed a payment so much as even a day late. Not once. I co-signed for man daughter back in XXXX. She turned her vehicle in XX/XX/XXXX and later received a note saying she owed XXXX. Then in XX/XX/XXXX she received another letter stating she owed a new balance of XXXX. At the time she turned in the vehicle she was told she had to pay an additional XXXX monthly to compensate for her over mileage. We assumed that was the end of that.
Then XX/XX/XXXX a letter came to the house saying she owed XXXX. I immediately sent the bill to her and she paid it.
Now, I find a charge off on my credit report saying I never paid the XXXX. We moved from XXXX XXXX XXXX XXXX in XX/XX/XXXX to XXXX XXXX XXXX. Supposedly there were many attempts to collect that debt from me for the XXXX that I never received. I took out the loan for XXXX in XX/XX/XXXX so Ally certainly had my address. Why was mail still being sent to XXXX XXXX XXXX XXXX, I am and have been paying XXXX a month since XX/XX/XXXX and never once been late or missed a payment. Common sense tells you I would pay XXXX had I known. How many times was I contacted via phone? None. How many letters were sent to my new address XXXX XXXX XXXX? Not one. I have been a loyal Ally customer and I get XXXX charged off? That's the thanks I get? Unbelievable is all I can say.
I will add, just today I sent letters to Ally CEO XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Ally XXXX XXXX XXXX. Not to mention Ally offices in XXXX Mn and XXXX Ky. I had no idea this was all over XXXX because today was the first I'm hearing about it. I assumed it was over the XXXX I am and have currently been paying.
Come to find out the collection company said in the letter to my daughter she had XXXX amount of days to pay and avoid collection. She paid within that time frame yet Ally still charges off the XXXX and puts it on my credit report all the while I had no idea it was even owed? Unbelievable.
|
| 04/20/2022 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem with renewal
|
|
Web |
|
|
I had an over $ XXXX 11 month XXXX coming up for renewal XXXX XXXX, 2022 with Ally Bank. Ally Bank sent me a letter about that, giving me a phone number where I could give verbal directions on what action i wanted to take. Within grace period, I spoke to XXXX on the phone XXXX XXXX, 2022 at Ally Bank and directed her to NOT let the CD renew. Rather, to put the funds into an Ally Savings account, which she said would earn only .05 % APR " less '' than the CD. I said yes, do that, but under no circumstances did I want CD to renew. She said she understood and I thought the whole matter was concluded. Weeks later I received a letter congratulating me on my renewal of my CD. I called and was not happy. I told them this was an error on their part. I was advised they would pull up the recorded directions and get back with me. I said yes, please do. I was later informed that yes, they did find recording and I did make this direction BUT I had gotten off the phone before everything that needed to be done was done to complete the transaction. I said how would I know that unless someone told me. Why didnt anyone call me back, OR email me, OR write me a letter, or anything. I further told XXXX, the last person I spoke to on XX/XX/2022, that they had all the information and IF certain things needed to be done in a phone call before the directions were followed out, then that should have been spelled out 1 ) in the initial letter telling me to call, 2 ) at the beginning of the phone call where I gave instructions on what I wanted done. I said I am not clairvoyant. How am I supposed to know something the bank needed wasnt obtained unless I am told? No response. I insisted someone higher in management call me. I was promised they would. That never happened.
The best I could get from them was an offer to close the account, WHEREIN they would charge me an early withdrawal fee. '' That was completely unacceptable. They wanted to charge me for their error!
This entire thing is preposterous and Ally Bank shouldnt be allowed to conduct business in this fashion! I would highly recommend people take their banking needs elsewhere. To date, I have not heard one word more about this and now I am earning next to no interest on a very large CD I did NOT authorize!
|
| 02/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
Servicemember |
|
*THIS IS NOT A DUPLICATE* My family was in an accident XX/XX/XXXX, we were almost in a head on collision with a driver who was under the influence of drugs. I reported the incident to my insurance company and I called the finance company in charge of my account which happens to be Ally financial. I told them the situation about the car and that the car was totaled. Each time I called I spoke with a different person and had to explain the situation all over again. For some reason they refused to move the account to total loss even though I gave them all the information I had and my account continued to accumulate interest and fees and debt. I sent them a {$10000.00} insurance check that I confirmed that they received and still refused to move the account to total loss so that the accident can be reported to my gap insurance so the remaining balance can be paid for. Now they have reported on my credit negatively so much so that I cant dispute it because had they turned my account over to total loss earlier than allowing it to go into collections, the account would have been paid off. Today, XX/XX/XXXX, I spoke with a XXXX from the Ally Financial Redemption Team and his employee ID is XXXX. He confirmed that my total balance is {$44000.00}. He was going to give me a breakdown where all those fees were coming from but I told him I didn't want the total breakdown because that amount shouldn't be that amount, it should be way lower than that because they should've added this total loss. He also kept asking me if I still had the vehicle even though one of Allys representatives had already confirmed that they had the vehicle that they got from the junk yard, which is on their recording. On XX/XX/XXXX my husband found a link on Ally Financials site which allows a person to file a claim for gap insurance. The XXXX XXXX that we owned had gap insurance but this option was never told to me because the representatives never handed my case over to the total loss department after the accident. I have previously spoken to several supervisors and managers who said they were going to get it escalated to total loss and I had even spoken with someone from the total loss department one time and nothing ever came from it after that, no follow up calls, nothing.
|
| 04/16/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
There is a letter from Ally on file from a unresolved previous dispute. This is follow up related to this unresolved complaint. Please follow up with Ally and accept this as a new complaint. There response is unacceptable. The company failed to acknowledge my previous phone calls starting in XX/XX/2017 XX/XX/2017 XX/XX/2017 XX/XX/2017 XX/XX/2017 XX/XX/2017 and XX/XX/2017. The company also failed to acknowledge that on the phone calls in XX/XX/2017 XX/XX/2017 XX/XX/2017 and XX/XX/2017 in which I advised and repeatedly told the various representatives which is documented at Ally that the dealer referenced as well as dealers I contacted that Ally has not listed in their letter, erroneously I might add flat out refused to take back the car. All of this was discussed on the aforementioned calls from XX/XX/2017 and on. The onus still falls on Ally. I made all good faith attempts to rectify this issue. This letter from Ally does not resolve this or acknowledges all my contact starting in XXXX of 2017. I made every attempt and going above and beyond to resolve. Yes Ally acknowledges XXXX XXXX XXXX however I noticed that they failed to mention that upon several attempts and messages this dealer would not accept the car. As well as the other dealers in the XXXX area which I contacted and advised Ally that I did contact with no result other than a refusal to take back the car. I gave Ally months to resolve this issue and Ally is not operating in good faith or in accurate and truthful ways. This is not resolved or by any means acceptable outcome. I wish that this matter is pursued and not closed erroneously or with proper follow up. This letter from Ally has a very big gap and appears to be clearly missing all my contact conversations and the letterers which were sent to Ally. They need to cease and desist on this account and accurately close it. I started in XX/XX/2017 they didn't resolve until XX/XX/2017 which is absolutely unacceptable. Please rectify this issue. I want all documentation from Ally. Not just the one call they acknowledged. There is a major gap and clearly by not showing all that documentation they are proving that they are hiding something and not accepting liability for their actions or lack of action I did all I could for months.
|
| 01/03/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
In XX/XX/XXXX I purchased a new car and the loan was placed with Ally Financial. The car loan was paid off XX/XX/XXXX.
I am currently purchasing a new home and it was brought to my attention that Ally Financial reported to the credit agencies that I had paid my car payment 3 times over 30 days. The months that were reported were XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was very confused, upset, and extremely concerned about this reporting so I requested a detailed statement from Ally to have a better understanding of this issue. Ally first told me that they could not provide this due to my loan being paid off in XX/XX/XXXX and that they could not answer my questions regarding my account. Then I demanded a complete account statement because I have to provide additional information as well as a reason regarding these payments being reported on my credit. Ally at that point emailed me a very confusing statement that showed that they did receive my payments for the three months in question and they were not 30 days late. Also, what is even more confusing is the inconsistency of the interest payments that were paid every month.
I at that point pulled my bank statements to see the dates and the amounts of the payments and my bank statements confirmed what I already knew. I was never 30 days late in any of my payments to Ally.
For the XX/XX/XXXX payment their statement shows they received a full payment on XX/XX/XXXX.
For the XX/XX/XXXX payment they have 4 line items about this payment all dated XX/XX/XXXX. they show XX/XX/XXXX they received my payment, then it shows they backed it out ( same day XX/XX/XXXX ) then they credited my payment to my account ( XX/XX/XXXX ) For the XX/XX/XXXX they received payment on XX/XX/XXXX Again this is according to their print out that they provided me on my second request and I confirmed with my bank records as well. As you can see NONE of these payments were late.
Due to Ally Financial 's incorrect accounting and reporting of my payment activity is effecting my ability to secure a new mortgage! I have over a 700 credit score and I need Ally to correct the reporting error as soon as possible so my lender can see that I have indeed taken measures to have this resolved.
Thank you for your consideration
|
| 02/02/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
Servicemember |
|
I wish that i could mark all of those boxes XX/XX/XXXX while at XXXX mph, my XXXX Chrysler 300 failed and died suddenly, power steering, brakes, lights, everything inoperable, 1. ) XXXX-REFUSED MY CLAIM ALTHOUGH I WAS FULLY COVERED and HAD A COLLISION.
2. ) CAR WAS TOWED TO XXXX XXXX, XXXX in XXXX, Dealer charged me {$600.00} in repairs, ( {$250.00} replace starter, ) ( {$350.00} in engine inspection labor ) 3 ) XXXX XXXX denies my warranty claiming that the engine died due to gross negligence on my part. They based that solely on a 1 month gap where I could not accoung for oil change receipts.
4 ) XXXX put the remaining balance of the vehicle owed on my new loan, promised XXXX in rebates for buying a new car. XXXX also used rebates and freebes from manufacturers XXXX, " fix '' chrystler XXXX.
5 ) I had came in with a XXXX loan approval from MILES program, XXXX pulled a fast one, a bait and switch on contracts, I NEVER PHYSICALLY SIGNED ANYTHING. I set up the madatory alloyment on his computer, and I shook his hand.
He failed to add GAP and I had to pay {$480.00} cash from my own personal money. he kept the license, title and registration as collateral un y il I had enough a month later.
I only found out that ally was my lean holder 2 years later when allotments stopped.
the Chrysler 300 was under a safety recall get o r electronic key failure consistent with my story and I was fooled to think it was the engine by a CHRYSLER mechanic specialist.
XXXX doubled the purchase price, jacked upp the interests, and made the 300 disappear before I could even ask for it.
its almost 4 years {$26000.00} was ticket price - {$7000.00} " rebates '' {$1000.00} military discount 48months {$530.00} = {$25000.00} ( original agreement ) 72monthsx $ XXXX= {$38000.00} ( Ally 's cut????? ) refuse to provide " contract '' or statements dealer lost it I never signed it, but Ally reposessed when I got suspicious, and ruined my credit. stole my personal property, and sold at the auction the within 12 hours of repossession. NEVER recieved any mail, or documents please please help, theres so much more, I will explain it all, i hsve recordings, emails, and a compilation of deceit for all XXXX of them ... ...
they cant get away with this, I am a XXXX veteran
|
| 04/11/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Web |
|
|
I recently had my XXXX cars, leased through Ally Financial, come to term. With each lease that ended, I experienced problems. On my first lease return, I will not say there was fraud but, there is definitely a policy of collusion and steering by the bank. I was told my buy-out/payoff of the existing lease was $ XXXX. In this car there was a little equity. When I tried to buy a new car from a non-Ally affiliated company, we were told the buy-off amount was $ XXXX more than the original agreed residual amount. After discussing this with Ally, I took my vehicle to an Ally affiliated dealer and the buy-off was only $ XXXX more than my residual. I truly have a major issue with Ally marking up a car where they agreed to take a predetermined amount just because they can but, I have an even larger concern about the legality of charging different companies large varying amounts to encourage business to go back to their partners. It halts competition and injures consumers and consumers choice.
On my second lease return, the car had little to no equity. To make the right decision for myself, my family and Ally, I asked to my car to be appraised before I returned it to the dealer. I wanted to know how much Ally would assess me for any wear and tear and damages upon return of the vehicle. This information was to allow me to make the best financial decision for myself as a consumer. If I was to owe a lot of money due to the low equitable position, I may have decided to keep the car. If there was little to no assessed damages, I would considered returning the vehicle and buying a new car. After hours on the phone with no result, I was given only XXXX options, buy the car from Ally at my residual or return it to the dealer and have any assessed damaged levied upon me days after the car return with no ability to discuss or negotiate the cost. I was left with no choice by Ally again. It has to be possible to have the car appraised before you return it but, they did not allow that to happen. These choice-limiting, consumer-injuring tactics ca n't be ok and should be illegal.
I will definitely avoid Ally Financial ( www.ally.com/auto or XXXX ) in the future. To be clear, other leases with other financial institutions I have had were no problem to end.
|
| 03/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Back in XX/XX/XXXX I reached out to Ally financial after I noticed a huge drop in my credit score. They had reported a 60 day overdue notice to the credit bureau. I got my new jeep lease in XX/XX/XXXX. Paid the first payment at the dealer, and awaited my first statement from Ally Financial for the next payment, so that I could use that information to set-up my online account and start to make payments. When I left the dealer, no lease account information was given, they said I had to wait for my first Ally Financial statement in the mail. A month went by into XXXX and I never received a statement. I called the leasing department of XXXX XXXX in XXXX VA multiple times asking them how I can pay my next bill. No one returned my calls. I finally received the statement in the mail for those last 3 payments for {$1300.00} and paid it immediately upon receipt in XXXX, as you can see from the attached screenshot. In XXXX I reached out to Ally Financial to have them investigate what happened and for their credit team to reach out to the credit bureaus to remove this late payment from my report. I called back multiple times and spoke with agents saying there was still no response on the case, no updates. Finally I spoke with someone on XX/XX/XXXX and that agent told me their credit department found their report to the credit agency to be valid, as my payment was late. Which clearly we already knew as I was late paying because I had no way to pay it, without an account number from them. On that date they submitted a new case, case # XXXX to have a one time courtesy removal of this and report to the credit agencies. They said it would take at most 45 days to remove from my credit report. I have called back multiple times since XXXX, and have gotten told there is still no response on my case, every agent says they send an " escalation '' email and I should have a response back in 1-2 business days. After that timeframe, I call back again and get the same response. Every agent also says their internal credit department does not have a phone number for internal employees to call, or for myself to call and ask for an update. This is unfairly stayed on my credit report since XXXX now and I've had enough of the back and forth with no resolution!
|
| 09/04/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
On XX/XX/, a purchase that I was unaware of and did not make appeared on my Ollo statement for {$180.00}. I did not make this purchase as I have not used this credit card in almost a year. This is the second time I have been frauded on this particular credit card. I contacted Ollo card on XX/XX/ and disputed this charge as fraud. The amount was placed on hold while they investigated this fraudulent charge. The company requested I complete paper forms to dispute this charge. I mailed back one letter on XX/XX/ and the other letter XX/XX/XXXX both certified to make sure Ollo received the letters. Both letters asked the exact same questions, but I responded to both of them and tracked the certified letters to make sure the company received the required forms. At this time Ollo was transitioning to Ally. I got the feeling that these correspondences would be lost in this transition.
On XX/XX/XXXX I received another letter stating that based on their investigation this was a legitimate purchase and that I was still liable to pay for this unauthorized purchase. On XX/XX/XXXX I called Ally and talked to XXXX at Ally card services disputing this charge as fraud once again. The amount was placed on hold on XX/XX/XXXX while they conducted their investigation. The fact that this is the second time this particular credit card has been frauded leaves me to believe this is internal fraud. On XX/XX/XXXX I received a letter once again stating that the company did not believe the purchase was fraudulent and that if I did not pay it they would report the purchase to all three credit agencies and turn me over to collections.
By the time I returned home from my job the bill was already due on XX/XX/. I paid for this fraudulent charge on XX/XX/XXXX not wanting this unauthorized purchase to affect my credit and having no other recourse than Consumer Financial Protection Agency. I plan to close out all of my accounts with this company this week since they have coerced me into paying for a fraudulent purchase I did not make. I have never heard of a credit card company forcing a customer to pay for an unauthorized purchase.
Please assist me in any way possible to recoup the {$180.00}. This company needs to be investigated for fraud.
|
| 12/31/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I went to XXXX 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX on XX/XX/XXXX to purchase XXXX white XXXX charger XXXX XXXX pack that I discussed with salesman a day prior to me coming in. When I got there the car I originally wanted was gone, they sold it. I was getting ready to leave because they did not have what I wanted but the salesman talked me into getting the XXXX XXXX XXXX XXXX I proceeded to do the application as a consumer credit transaction with my name, social security number, date of birth, and provided work information as requested from dealer. They asked did I have a downpayment and I asked them did I need XXXX and they said yes. I said I was trading in my XXXX XXXX XXXX. They took pay off letter and said they were giving me {$10000.00} for the XXXX XXXX XXXX. They also stated the {$10000.00} would be used as the downpayment. I sat with the finance XXXX, he told me who approved through me ( Ally Financial ) and signed paperwork for vehicle and I left with vehicle and paperwork. At the time I did not realize the finance charge amount was inaccurate, the financed amount was inaccurate, and I was not supposed to pay sales tax in Illinois because I am not a resident of Illinois ( and was not a resident of Illinois at the time of purchase ), and that I had been abused and deceived. I called XXXX 's on XX/XX/XXXX to inquire about inaccurate finance charge, inaccurate amount financed, inaccurate monthly payment, inaccurate total payments, and a service warranty they put in amount financed that was not valid, and Illinois sales tax that I was not supposed to pay, and downpayment that I was not required to pay and they informed me I needed to speak to finance company ( Ally Financial ). I called Ally Financial and they told me I needed to speak to dealership. I let dealership know the Ally Financial said I needed to speak to them and they said someone will get back to me but no one ever did. I called Ally Financial back and they said someone will reach out but no one ever did. They followed up with a repossession order for my vehicle. I'm filing this complaint because the company has yet to return my call and I have the right to rescind this contract and I would like to do so.
|
| 09/20/2016 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Web |
|
|
I opened an online acct with Ally Bank last year about XX/XX/XXXX/XX/XX/XXXX. Initially all was well. About a week after opening the acct I was bombarded with phone calls/ email as to the address provided. I reside in XXXX XXXX. I called customer service and was advised there was a problem with my addss, so I reconfirmed the addss and was reassured there was no further problem. I then kept receiving phone calls sometimes 3-5 times a wk, telling me to call again. I returned the calls and was transferred to what I understood was a fraud dept who asked me to provide a stateside addss because my XXXX XXXX addss should never have been accepted etc so I provided my sisters addss in XXXX, never being advised that it needed to be an addss at which I physically resided and was reassured was alright as all they needed was a US addss. Again more calls/emails ensued so annoyed I called and requested to speak to a supervisor and was advised I was to be transferred again to a fraud dept employee who stated that for me to have given a state side addss where I do n't reside was wrong etc, even though I explained that customer service advised me it was fine. I immediately requested transfer back to customer svc and requested closure of my acct and a check sent to me for deposits made. This was XX/XX/XXXX. The addss I provided for receipt of that check was my XXXX addss and I specifically asked several times if that was alright and was reassured it was. I continued getting emails as to my savings acct status so I called to verify it was indeed closed only to find out it wasnt! I requested closure and status on my check reimbursement. Was assured check was sent out. Until today 's date I have never recvd my check and yet continue to recv emails as to updates on my savings acct! Am thoroughly frustrated with this banks practices and am reaching out for help. I understand my follow up also lacked here, but I work full time nights, and care for an elderly parent and though not an excuse, leaves me little time to have dealt with this sooner. I would be appreciative of any help offered, as I do not wish to contact these people again and be given another run around. Thank you in anticipation of your assistance, respectfully XXXX XXXX XXXX.
|
| 12/05/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I am a new member of Ally Bank. I desperately need someone's help. Upon signing up I made my first deposit into a bank account for {$5000.00} on XX/XX/XXXX via mobile app. I contacted customer service via app and was then told there would be a 5 day hold until XX/XX/XXXX. 4 days later on XX/XX/XXXX my account was locked. I spoke with someone named XXXX who said he was an investigator on XX/XX/XXXX who said I was under investigation for the deposit I made and that i would be locked out of my account until the check cleared. After that on XXXX I spoke to XXXX in the fraud dept who wasn't much help telling me an investigation is XXXX min but there was no timeline for when this would be resolved and then later XXXX on who was very helpful telling me the check would be clear on XXXX at XXXX and to call back on XXXX and my acct would be unlocked. I called numerous times on XXXX to regain access to my acct. XXXX in the fraud dept hasn't helped me fix anything and has hung up on me numerous times and keeps telling me that he nor anyone else can help me or unlock my acct. And that it will stay this way for an undetermined amount of time but that it would be a min of 30 days. For what I ask you the check? The check has cleared the funds have been taken from the bank account the check was drawn on and is in allies possession and still I have no access to my account of my money and worse I am being told by customer service and fraud dept that there is no one there that can help me and they can not provide me with any other information or transfer me to anyone that can resolve this issue. I have dealt with many banks and financial institutions in my days but have never in my life dealt with such a rude XXXX and unwilling to help bunch of people which I have had to while dealing with Ally. I need someone to please help me resolve this immediately. I tried once again this morning XXXX to resolve this issue first speaking to XXXX who just hung up on me and then XXXX who said she couldn't do anything and there wasn't anyone else iI could speak too transferring me to her supervisors voicemail that says they will respond in XXXX hours but thats a lie as I've called and left messages for more than a week with no response whatsoever.
|
| 07/21/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
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|
Web |
|
|
I was scammed by someone who claimed that he was purchasing the furniture I was selling on XXXX. On XX/XX/XXXX, He send me a cashier 's check of {$1900.00} which was way more than he should pay me and told me that he was in New York and he needed my assistance to pay the deliver service, that's why he mailed me a check with the amount more than the cost for the furniture. He asked me to pay the deliver service via XXXX with two different transactions ( {$1000.00} and {$670.00} ). I deposited the cashier 's check and it showed a credit of {$1900.00} on my bank account so I made the XXXX payment for a total of {$1600.00}. Right afterwards, I called my local police department about the big check and I was told it is a scam. So I called my bank right away and asked to stop the payments. On They said that they can not stop it and asked me to file a dispute later. On XX/XX/XXXX, the cashier 's check of {$1900.00} was returned. I sent a disputes later in XXXX. However, Ally closed the disputes on XX/XX/XXXX saying that the transaction was completed with a merchant with whom " I had established a relationship ''. But this was not true. I was lied to by the scammer to send the money to the deliver service with the email address and the person whom I had not contacted with or verify. Such " deliver service '' never existed. And after I sent the payments on XXXX, the scammer disappeared. When I tried to request the money back from the email address, it says it is not existing anymore. I had requested them to invested it again and on XX/XX/XXXX, they sent me the exact same reason why they would not get my money back. The transactions were sent to person named " XXXX XXXX '' with email XXXX, which I was told by the scammer. I contacted XXXX for the receiving bank information. The receiving bank is XXXX XXXX XXXX, and they also told me the transaction numbers for the two payments. One is XXXX ( {$670.00}, XXXX confirmation number ), the second one is XXXX ( {$1000.00}, XXXX ). The police report with XXXX County Police Department of Maryland is XXXX, with the police officer badge # XXXX, their phone is XXXX. His handwritten last name is unclear to me.
The communication with the scammer was in text messages but they were lost.
|
| 05/26/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
Ally Bank unilaterally closed my checking acct on XXXX XXXX without any notice. They falsely claimed that they sent notification via mail to my home address and to my attorney. Neither of us received any such notification. They claimed that they sent an email notice. I did received a message on my email that I needed to log into my account ( XXXX ) for correspondence. When I did, there was no notice -- just a blank page. I should note that my attorney, did call and email XXXX attorneys at Ally, including a XXXX XXXX their General counsel and a XXXX XXXX. He and XXXX XXXX refused to respond. Neither could they demonstrate that they actually sent any letters.
Ally Bank has demonstrated a persistent inability to provide basis customer service. Reps re incompetent and frequently refuse to connect this customer ( and others ) to supervisors who sometimes can resolve problems and frequently they can not. They then refuse to connect the customer to Managers. I did write a complaint to the President of the company and received a pro forma letter several weeks later which did not address the problem. In XXXX, my acct was overdraw by just {$6.00} for several days until my social security benefit was paid to my acct. I did not dispute the {$9.00} overdraft charge. Earlier, I noted to one supervisor, XXXX, that I would start to look for a new bank, but she insisted " we want to keep you as a customer, and we will do our best to improve. ".
On XXXX XXXX, I found that the account had been closed. Only at my urging did they refund the balance to me of {$160.00} WHICH SHOWED THAT THE ACCOUNT WAS FULLY FUNDED.
I have now found that Ally Bank, at the urging of one person, in particular, XXXX XXXX, an Executive Resolution Specialist, closed the account, When I spoke with him over the phone on or about XXXX XXXX, he was demeaning and attacking and made clear that he was retaliating for my complaints. Ally filed complaints with XXXX, XXXX, XXXX and XXXX as retaliation. I should note that I never borrowed any monies from the bank.
I would like the CFPB to force Ally to remove the negative reports, immediately and take whatever action against Ally that it can.
XXXX XXXX Acct Number XXXX.
XXXX XXXX XXXX # XXXX XXXX, MD XXXX XXXX
|
| 07/09/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
Hi. On XX/XX/2022 I tried to make a transfer of {$1000.00} from my Ally bank checking account to my account in the XXXX XXXX. Due to the insufficient funds the transaction was not completed, but I only learned about this development few days latter when I logged on to my account. Not only I got no message from the bank about this transfer being canceled, but my ability to make transfers was restricted as explained in this message I received trying to make another funds transfer from the Ally Bank- " We can't make this transfer due to current restrictions on your account. You need to call us at XXXX ( ALLY ) to resolve this issue. We're here 24/7. '' I contacted the bank as instructed and I got this message on XX/XX/2022 - " Dear XXXX, Thank you for taking the time to contact Ally Bank. I am happy to assist you with your account inquiry. I apologize for the delay in my response to your message and any inconvenience it may have caused. Upon review, I show the transfer in the amount of {$1000.00} initiated on XX/XX/2022 from the Interest Checking account ending in XXXX to the XXXX XXXX account ending in XXXX failed due to there being insufficient funds in the Interest Checking account. I show a deposit was made into the account in the amount of {$1000.00} from the Ally Investment account ending in XXXX. However, the deposit was not posted when the transfer to the XXXX account was being processed. All mentioned accounts are now active and ready for use. You may reattempt the transfer to XXXX at this time. I truly apologize for any inconvenience this may have caused for you. '' However, on XX/XX/2022 when trying to make new transfer I found out that my account is still being restricted. During the chat with bank associate I was told that - " if a transfer fails, the system will sometimes suspend the account. I see that the XXXX account was unsuspended. However, the Ally account was not. '' On XXXX XXXX I sent a message to the bank asking for answers to the following questions : Why and what kind of " restrictions '' are on my account? Why there was no message about the transfer being denied? Why it takes several days to remove restrictions from my account?
P.S. As of XX/XX/2022 I received no reply from the bank.
|
| 11/04/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
While inquiring about trading in my vehicle to purchase a new/used vehicle, I went to several car dealerships ( ex. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ) and each dealership that I went to I explained to the sales person as well as to the finance manager that I did not want my credit ran multiple times nor to multiple banks as this would lower as well as have a bad impact on my credit score. I also explained to them how reluctant I was with signing the application because of those reasons as well and ever time they stated " oh the banks will notice that you are car shopping and if there are applications to the same bank they will only count as one if it 's within a 30 day period '' I am just now finding out that they all have provided me with inaccurate information and that if it 's more than 1 of the same inquiry to the same bank or company within 30-45 days only 1 inquiry should be showing up not 1 for every inquiry. I have notified the dealerships and the banks asking them to remove these inquiries from my credit report, however they continue to pass the buck. The credit bureaus ( XXXX and XXXX ) says they ca n't remove inquiries and to call the dealerships and dealerships say they ca n't remove inquiries and to call the banks, the banks says they are n't the one 's who requested the inquiries call the dealerships. XXXX stated that they ca n't see that far back to pull the application from XX/XX/XXXX. Ally ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), XXXX also known as XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) and XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). I was just recently informed that XXXX XXXX ran my credit to 10 banks which is unacceptable when I specifically asked them not to. As a individual that work hard for their money and try to have things where its feesable for my pockets, I get very upset and find it disturbing that car dealerships will lie to customers in order to benefit and get over just to make a sale. As a customer these are people that we put trust into and they have let us down. It is extremly difficult to get a new vehicle, buy a house etc. with all of those inquiries.
|
| 08/31/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
XXXX. Suspected fraud on or about XX/XX/XXXX. Began reaching out to the companies who made the charges on my accounts. I was told they either didnt know, could not provide the information, or call banking institution.
XXXX. Kept close eye on account.
XXXX. Reason for suspicion was I accepted a position on good faith and this firm had my personal and banking information for direct deposit. Only worked here 16 days. On XX/XX/XXXX a partner of the firm was indicted on XXXX, impersonating a public official etc.
XXXX. Contacted bank several times to review charges. Due to a security breach I was having difficulty accessing my account. I had to change phone numbers and could not receive authorization code. Advised bank of new number and the reason. Was told that someone would contact me. No call.
XXXX. Reported issues to local law enforcement.
XXXX. XX/XX/XXXX - card not authorized. Contacted bank and was asked a series of questions because I no longer had the number associated with the account. Asked could I retrieve money and advised account was on hold due to fraudulent activity of which i previously reported. Told that a fraud team would investigate and contact me in 2 or 3 days. Never received a call so I contacted the bank and account was open again. This repeated every other day until about XXXX. On this date I was told that my account was back open again so I asked had my number been changed on the account and it was not. Had talked to fraud team the day before. I always had to call. I never received anything in writing. I requested electronic bank statements and did not receive. Finally told that one might reach me in XXXX weeks. I am still reviewing charges. Due to the fraud I have had to provide my drivers license everywhere. I eventually got an account opened with XXXX XXXX because I have a credit card and XXXX auto loans. It still took days to get it opened. I have late billshaving to XXXX to family and friends that have cards. I still do not have a card. No answers to my questions or I need a subpoena. I really need some help. I have expended an enormous amount of time. I do possess some documents to support my complaint. I only have the last XXXX digits of the XXXX and card ending in XXXX.
|
| 10/13/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Cashing a check
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I called Ally Bank to inquire about XXXX third party checks I received from my home loan company. I was unable to deposit into my account virtually and was instructed for this type of check they had to be mailed. I mailed them on that day to be delivered on XX/XX/XXXX. I didnt see the money in my account at the end of that week yet, so I called back on XX/XX/XXXX to inquire. I was told my name wasnt listed as an authorized person on my joint account with my spouse and we needed to complete an official application to have me added. We did this on XX/XX/XXXX. By the following Monday XXXX funds had still not been distributed to my account so we called back and were told that because my XXXX Adjuster was on the check, plus my home loan company they would not be able to accept the check. These checks were properly endorsed by all parties and they in fact cashed said check, it cleared my insurance company the prior week. They then provided me with two options 1 ) add my public adjuster to our account or 2 ) mail us new checks since they had cashed the others. This would then require me to have to go through the entire process of endorsement again or add my public adjuster to my account. I wasnt satisfied with either option and told them I would speak with my husband, but we might add the PA to our account. My husband called back the next day and told them to just mail the checks. They did NOT mail the checks and we found this out because I called back this week XXXX XX/XX/XXXX to inquire and they said we didnt tell them to mail them, they were waiting for us to add our PA to our account. I asked to escalate this and I received a call to discuss my complaint today XX/XX/XXXX. They would not accept responsibility for already cashing the checks. They have been holding my money on some general ledger, not in my account and we are just getting the run around. I finally got so sick of it I just told them to mail the checks, but this is not right. If they wouldnt accept those checks they should have mailed me back the originals. They took my money, never put in my account to start collecting interest and drug this out until today. I also still dont have my money to get my roof fixed from hail damage.
|
| 02/03/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
Please refer to # XXXX and # XXXX submitted on XX/XX/XXXX and XX/XX/XXXX respectively regarding the issues with XXXX or XXXX.
Previous complaint ============================= At that time - this company simply tried to put the matter under the carpet/rug. I am facing the same issue since XX/XX/XXXX. I have updated my XXXX profile so that with my cell # - my ally bank account is associate and NOT XXXX XXXX. XXXX XXXX was the old one and ally bank is the new one. But still anytime any payments which are coming to my cell # - it goes to the old account ( XXXX XXXX NOT ally ). I reached out to Ally and then to XXXX XXXX ... everybody ask me to reach out to somebody else ... so no accountability and ownership at all. Today I called at XXXX during XXXX XXXX to XXXX XXXX and talked to XXXX about the same issue. Case # XXXX has been created for this. All the calls are going to XXXX to some very naive customer service associates. When the customer wants to talk to the higher ups - they simply tell that even higher up will do the same. I end up paying fees from the bank due to this.
============================= Now Spoke to XXXX at XXXX ( Level 2 support ) for around 18+ minutes during XXXX to XXXX XXXX CST. Have the entire recorded conversation and could share with you. Previous complaint. Till now this issue is going on. My payments ( made to my cell # ) some times goes to Ally Bank and sometimes to XXXX XXXX. I have to maintain two accounts and it's a lot of hassles. Nobody ( Ally, XXXX XXXX and XXXX is taking the accountability and responsibility ). I want old fashioned ACH transactions with ABA Routing # and the A/C # s - at least it was clear, non ambiguous, no buggy and we were aware - what's going on. XXXX - has no non mobile interface. People like me who are not that comfortable with the mobile screens are struggling. Moreover XXXX App - doesn't even shows you which account it is associated with and how to change it to something else. It's something which is untested and not even ready to be used for real world and introduced a lot in hurry. It's very dangerous and chaotic. Worst wait time on the support is too much ... Wasting time with Ally, XXXX XXXX and XXXX customer service for no fault of mine.
|
| 01/05/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
XXXX Bank provided me the merchant proof of their response, which did NOT support my {$500.00} charge in XXXX with XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX and XXXX XXXX are NOT the same company but clearly, they are working together behind the scenes concocting against me. I signed a contract with XXXX XXXXXXXX XXXX company in XXXX with alleged lawyer XXXX XXXX who was supposed to help me win money back from a previous company I worked with earlier in the year ( XXXX XXXX ). Again, they reached out to me and offered these " fake '' services. When they ( XXXX XXXX XXXX ) charged my card for lawyer representation and to obtain services ( as outlined in the contract ) I did not expect the charge to read " XXXX XXXX XXXX '' and this seems to be where the confusion lies and they have pulled the wool over your eyes. When I learned that this company was illegitimate, I requested my refund, as per contract. But the proof that was provided has tricked the bank because they have provided some artwork and proof but the fallacy in this is that THIS IS NOT THE SAME COMPANY... AND THE DATES, NAMES, AND COMPANIES DO NOT MATCH. AGAIN, I met XXXX XXXX XXXX XXXX in XX/XX/XXXX. Artwork or not, WHY WOULD XXXXXXXX XXXX ACCEPT ANY ALLEGED PROOF THAT IS 1. BACKDATED TO XX/XX/ ( I NEVER HEARD OF XXXX XXXX XXXX AT THIS TIME AND HAD NO RELATION ), 2. THE EMAILS HAVE NAMES XXXX AND XXXX ENDING IN XXXX XXXX XXXX NOT " XXXX XXXX' ... ..AGAIN, THESE ARE NOT THE SAME COMPANIES. Although they appear to be working together and against me at this point. XXXXXXXX XXXX appears to as corrupt as these two previous companies if they are actually " investigating '' and failed to acknowledge these key details. Again, the contract from XXXX XXXX XXXX was signed in XX/XX/XXXX XXXX and the details are NOT about XXXX.. but instead LAWYER REPRESENTATION TO help me get my money back from previous book company ( which happened to be XXXX XXXX ). Now I am led to believe that XXXX XXXX XXXX is working in corruption with XXXX XXXX XXXX separate bookwriting company that ripped me off in thousands earlier this year ) and XXXX XXXX ( who is overlooking key facts and details in this case that DOES NOT SUPPORT {$500.00} charge in XX/XX/XXXX XXXX ).
|
| 08/31/2016 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Web |
Servicemember |
|
XX/XX/XXXX, I submitted a letter to close my account with Ally Bank. XX/XX/XXXX, having not yet received a check, I called to understand status on XXXX XXXX, 2016. They said they mailed the check and would need to reissue a new check. Given the amount ( over {$190000.00} ), I asked them to expedite whatever paperwork was necessary. On XXXX XXXX, I had still not received any paperwork, so again called. They said they had not done anything as a result of my original request, but would send paperwork via email. Since I was traveling, I did not have access to a printer and the paperwork " expired '' after 8 hours. The access to the paperwork was laborious at best as it was sent through a secured site. On XXXX XXXX, I called Ally Bank again ( spend another 30 minutes on the phone ) and they again indicated they would send out paperwork which would need to be notarized. They also indicated they had not yet cancelled the check. A few questions : 1 ) Why did they not immediately cancel the check on XXXX XXXX when I originally notifified them the check had been lost?
2 ) Why did they not send out the paperwork after the XXXX XXXX call?
3 ) Why does the paperwork expire after 8 hours so the consumer can not get access to their funds. Since I was traveling, this delayed me yet another 2 weeks?
4 ) Why does the paperwork have to be notarized and why does it have to be sent through a secured site. On XXXX XXXX, the check had not been cashed, so I do not understand why this level of difficulty in getting access to my funds.
5 ) Are they making the process inordinately difficult in order to keep my funds, in hopes XXXX XXXX not be relentless enough to spend hours on the phone, find a notary, decode a difficult and confusing software to access the paperwork and hope that they expedite my check and actually deliver it this time.
I work in financial services, and take the CFPB very seriously. I have never made a complaint, but this situation has been so aggregious and so consumer unfriendly, I thought it important to bring it to your attention. I would appreciate any help you can give me to expedite this matter to a close for me and as importantly to provide Ally guidance on how to treat consumers in the future.
|
| 11/03/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
I voluntarily turned in the vehicle couple years ago, I do not recall the exact date, I believe it was XXXX or XX/XX/XXXX. They sold the vehicle and sent me letter stating that I still owed $ XXXX, I do not recall exact amount however they did not supply accurate information to solidify the balance they said I owe. The account was charged off, however Ally continued to report negative status to all 3 credit bureaus which in turn has crippled me from being able to purchase a home. I've been renting and being faced with the owners either going through foreclosure or deciding to sale. Leaving me to have to figure out a new place to stay in a short amount of time. I really need to purchase a home and this item on my credit is causing lenders to steer away from approving a mortgage because of XXXX XXXX XXXX XXXX XXXX. When I tried calling Ally to request that they keep it as a Charge Off and not currently report a balance with a current date, as the lender requested I do. Ally just sent me to a collection agency.
A few months ago, I received a class action law suite notice that I'm affected by due to Ally sending improper notices to the consumers with inaccurate information. One of the Settlement Benefits is Credit Bureau Reporting. Ally will request within 120 days from final judgement that the three nationwide consumer reporting companies ( XXXX, XXXX, XXXX ) " delete trade-line information on my ( the consumers ) credit report related to my activity with Ally this is the subject of this case. '' The final judgment was on XX/XX/XXXX. The 120 days verbiage is at the bottom of page 15 on the Settlement Agreement document.
I am requesting that they submit the deletion trade-line information on my 3 credit reports now oppose to processing my on the 120th day since the court order ( judgement ) specifically says " within '' 120 days after the effective date. I can attach a copy of the Class Action Notice, Settlement Agreement, and Final Judgement. Also, this information is listed on : XXXX.
The attached documents do not have my personal information on it. If that is needed in order for them to find me, I am willing to provide information needed to resolve this problem as soon as possible.
Thank you
|
| 09/14/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I have a car loan with Ally Financial. We fell behind in our payments because my husband has been out of work for medical reasons. On XX/XX/XXXX I made a payment of {$350.00} via XXXX XXXX. On or about XX/XX/XXXX I went onto Ally 's website to make another payment. I selected the option for other amount and made a payment of {$350.00}. On XX/XX/XXXX I noticed my checking account was grossly overdrawn. I checked my account and discovered that Ally had attempted to withdraw {$1100.00} from my account. I immediately contacted Ally and the representative told me that Ally was attempting to bring my account current?? I told the representative that they could n't just pick any amount they wanted and attempt to withdraw that from my checking account, that was fraud. I then spoke to another representative who said I had authorized that amount. NO I DID NOT, I did n't have the funds necessary to cover that amount so why would I submit a payment for that amount? I asked to speak to someone at a higher level than the individual I was speaking to and was told there was no one. I asked to speak to someone at a corporate level, or a problem resolution team, and was told there was no one. I went on XXXX and searched Ally and found a XXXX page and made a comment about what was happening. I received a call and was told that a representative from the corporate resolution team would call me by Monday ( today is Thursday, no call ). My bank returned the payment for insufficient funds. On XX/XX/XXXXI informed Ally that I was MAILING a payment in the amount of {$350.00} and instructed them to make no attempt to withdraw any money from my account. The representative stated that she noted my payment and that there would be no further attempts to withdraw any more funds. On XX/XX/XXXX I went to my bank to make a deposit and discovered my account was once again grossly over drawn. The teller informed me that Ally had AGAIN attempted to withdraw {$1100.00} from my account. My bank is returning the payment again for insufficient funds and I once again posted a comment on Ally XXXX page. I do n't know if I need to close my account to prevent Ally from repeatedly and fraudulently attempting to withdraw money from my account.
|
| 05/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I refinanced my auto loan from Ally financial to XXXX XXXX XXXX XXXX XXXX. Ally claims that there was a balance owed, however the paperwork I have states the balance was paid in full and is thus showing it as a charge off and negative, which is affecting my credit score negatively. This account was never in default, non-payment and should have never been placed in collections or shown as a charge off. I have provided them with documentation showing as much and they refuse to fix it. The last dispute they did take the 21 months of non-payment off, however they have XXXX and XXXX of 2020 showing as charge off. Again, this is incorrect. I refinanced this loan, and the amount my bank paid to Ally was correct. Any issues that arose AFTER the check had been deposited was on Ally, not me and neither myself or the bank ever got any information saying there was additional money owed.
Additionally, Ally has been incredibly difficult, hostile and evasive in in my attempts to get this resolved. I understand errors occurred, but I have been transferred, harassed, hung up on, had someone literally notate things I did not say. I have asked for a manager multiple times, they can never provide one. I was told I'd get a call back, I never got one. Every time I seem to be able to produce a document showing my proof they are suddenly able to speak with me and have made me fax documents while claiming they never received them, but when I show them confirmation that the fax went through the find it.
Every aspect of Ally seems to be at best misleading, if not fradulent and unwilling to fix their own mistakes. If my error wasn't Ally 's fault, why would they remove all of the information the already did and expect me to say thank you. This is not right. They are already a bank that takes advantage of people who have less than perfect credit and make it almost impossible to fix their error, but when the money is owed to them, they can find all the time in the world. This needs to be fixed.
I have had a FEW good interactions with representatives from their company. To those people, and to any representative from Ally I have been nothing but professional and kind, never raising my voice or using inappropriate language.
|
| 10/05/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
I was advised to report this be for taking legal actions against Ollo card services. So, I am reporting Ollo because they robocalled / automated phone called with a pre-recorded message at XXXX on XX/XX/2023. I mention this because preceding court cases/ lawsuits in various courts have ruled that the calling time is to be based on the time zone of where the cellphone number is based, for which my area code is XXXXand in the central time zone. Whats really important here though is the fact that I have audio proof of a robocall phone call with a pre-recorded message in it as well as screenshots proof of of the transcript of this electronically pre-recorded message that was left in my voicemail box. I have been advised that by Ollo leaving this pre-corded message that was then, repeated to my voicemail and recorde by it is actually ol legal under federal laws, this is according to federal laws and regulations of the Fair Debt Collection Practices Act ( FDCPA ) as well as the Telephone Consumer Protection Act ( TCPA ). I have also been advised these acts, laws and regulations were designed to protect me from these time of pre-recorded robocalls, whether on my cell phone or a landline and either left as a voicemail or played to me or another person, if I/ they happened to pick up is illegal for Ollo to even do. If I need to cite these cases please let me know. Im filing this with the CFPB and possibly reporting this to the FTC, if need be. Im also exploring suing Ollo for these violations of both the Fair Debt Collection Practices Act ( FDCPA ) as well as the Telephone Consumer Protection Act ( TCPA ). Im well aware, of cases where companies like Ollo were sued and found guilty for doing as Ollo card services did and called my number with a pre-recorded mesage and found guilty in violation of the laws and regulations. Below, I submitt the transcript of the illegal pre-recorded recording that Ollo left on my voicemail. Hello this is XXXX XXXX from XXXX XXXX XXXX please call me for any of our Ollo card service representatives today at XXXX Again, this was a pre-recorded recording left on my voicemail in violation of the FCC rules and regulations as well as Telephone Consumer Protection Act ( TCPA ).
|
| 08/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XXXX XXXX XXXX credit inquiry XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information.
XXXX XXXX credit inquiry XX/XX/XXXX I have no knowledge of this. I have never tried to get a mortgage of any kind. Called company and spoke with rep to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information.
XXXX XXXX XXXX XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information.
XXXX XXXX XXXX XXXX XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information.
XXXX XXXX XXXX XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information.
XXXX XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information.
XXXX XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information.
Ally Financial XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information.
XXXX XXXX XXXX XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information.
|
| 02/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
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Web |
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Thank you for taking the time to review my credit file.
I did not give permission to the following companies to pull my credit report.
When I contacted them each by phone call, they were not able to pull up any information on me with my social security number, date of birth nor name. In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below.
ALLY FINANCIAL XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX AXXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - NON SPECIFIC INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX AXXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX RE : DISCREPENCY ON CREDIT FILE XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX ALLY FINANCIAL XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX - NON SPECIFIC INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE XXXX XX/XX/XXXX XXXX XXXX XXXX INQUIRY DATE : XXXX XXXX, XXXX REMOVAL DATE XXXX XX/XX/XXXX RE : DISCREPENCY ON CREDIT FILE XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX Thank you for your time and attention to this matter. I look forward to hearing from you soon.
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| 03/06/2017 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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Timeline of Events Tuesday, XX/XX/2017 : My daughter wrecked her XXXX XXXX XXXX.
Tuesday, XX/XX/2017 : XXXX XXXX declared the car as a total loss.
Friday, XX/XX/2017 : The information needed to settle the claim was sent to XXXX.
Tuesday, XX/XX/2017 : XXXX, the XXXX Insurance adjuster, contacted XXXX to request that he attempt to contact Ally Bank, due to the fact that Ally Bank had been negligent in their contact with XXXX, specifically as it concerned sending the letter of guarantee. XXXX made the call, spent a considerable amount of time on hold and being transferred, and was then cut-off. He called the main branch and was finally redirected to someone who took his complaint. That evening, at XXXX, the letter of guarantee ( attached ) was emailed to XXXX.
Wednesday, XX/XX/2017 : XXXX XXXX contacted XXXX to alert him that the letter of guarantee was received the prior evening. The insurance adjuster, XXXX, forwarded the email to XXXX, and upon examination, XXXX observed that the net payoff that Ally stated should be remitted in order to secure the title, {$20000.00}, was much more than his records indicated. According to the document ( attached ) provided by Ally 's online account management system, the net payoff at that time was {$11000.00}. Due to the nature of both his and XXXX 's experiences with Ally, XXXX instructed XXXX not to release the funds, due to the fear instigated by the misrepresentative, possibly fraudulent, nature of this correspondence. Additionally, the issues that had been encountered in the prior weeks when trying to contact Ally Bank to secure necessary documents made XXXX wary that there would be significant delays in receiving the borrower 's proceeds.
Thursday, XX/XX/2017 : XXXX and his wife, XXXX, who is the borrower, penned a letter ( attached ) to Ally Bank, describing their qualms with the bank 's actions. As to the present date, Ally Bank has not responded to our complaint. In the meantime, we have had to continue making payments ( attached ). Furthermore, with each day that passes, we are also incurring interest charges that we must pay. For a more detailed description of our complaints, please see the letter ( attached ) that we emailed to Ally Bank.
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| 12/01/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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On XX/XX/2020 I made a payment of {$4500.00} instead of my monthly car payment of {$450.00} in error. I immediately contacted Ally Bank, the company I make my car payments to and they stated I would receive a refund by XX/XX/XXXX. In the meantime, I continued to make my monthly payment ( {$450.00} ) for XXXX. And as of today, XX/XX/XXXX, I still have not received my refund and have been given the run around for weeks. I also made my monthly payment ( {$450.00} ) in XXXX as well.
As you can imagine, I have anxiously been awaiting my refund for the over payment and multiple individuals have been able to track down the over payment, but unable to assist me in getting my refund.
For example, today, XX/XX/XXXX, I spoke with XXXX from " Ally Bank '' ( XXXX ) XXXX XXXX who shared there was a check issued to XXXX XXXX with the payment referral # XXXX. She transferred me to XXXX, also from Ally Bank. XXXX confirmed a check was issued to XXXX XXXX. XXXX also shared a reference number of XXXX. Together we contacted XXXX XXXX.
XXXX at XXXX XXXX informed XXXX that she does not handle this account and refused to do anything, but suggested an investigation might be necessary, but she had no record of this transaction. XXXX recommended another department to contact. XXXX and I were then transferred to XXXX at XXXX XXXX. XXXX could not help and we were then transferred to XXXX who stated we had the wrong department ad said she could not assist us.
With no other options I contacted my bank XXXX and spoke with XXXX. XXXX was unable to assist me so I was transferred to XXXX. XXXX at XXXX instructed me to contact XXXX directly because the refund check should have been issued to XXXX, not XXXX XXXX.
I then called XXXX at XXXX and spoke with XXXX. There was no information available about this matter.
I called Ally Bank back again and spoke with XXXX ( female ). She confirmed a check was sent to XXXX and I then asked to speak with a supervisor. She tried for several minutes to identify a supervisor unsuccessfully.
Since mid XXXX I have been waiting for a refund of {$4500.00} and a check was issued, just not to me. It is crucial that this matter be resolved and the fraudulent process be rectified.
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| 01/08/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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On XX/XX/XXXX, I tried to purchase a XXXX XXXX XXXX Premium from XXXX XXXX XXXX in XXXX. A few days to the start of the first monthly payment in XX/XX/XXXX, I discovered that the purchase contract and the warranty contain significant material misrepresentation. Knowing that the mileage largely determines the price and the value of the car, XXXX, the finance department staff, reduced the mileage of the car from XXXX, XXXX miles to XXXX. XXXX miles. Then he inflated the price from the listed price of {$13.00}, XXXX to {$17.00}, XXXX. I informed Ally Financial about it by phone and in writing. They advised me to contact the dealer and work with them to fix the errors.
When I contacted the dealer, they first apologized for it and promised to fix the errors and send me a new contract for me to sign. I waited for the new contract but it never came. I, visited the dealership 3 times to get the new contract but they did not commit themselves to doing it. So, I returned the car to the dealership. I updated Ally every step of the way and they told me they had made a note on my account. Ally later closed my account and I filed a dispute with my bank for my {$2000.00} down payment from the dealership, which was later refunded.
However, for some reason, Ally reopened the account to make it look like I had financed a car with them and I am not making payments. I filed a dispute with XXXX and the account was closed. Again, Ally opened the account. This time around, claiming I owe {$16.00}, XXXX trying to make it look like a case of repossession but it is not because I was the one who returned the car and the keys to the dealership and requested my down payment, which was paid and the account was closed.
This bad-faith behavior by Ally Financial has significantly jeopardized my XXXX XXXX and overall credit health. In fact, the last time they reopened the account, my score dropped by XXXX points. Clearly, this is not doing good business. I believe I deserve a compensation from this dishonest behavior by Ally Financial. I need your help with stopping Ally from continuing to use my information to report negative information on my credit report when they know very well that I do not owe them. Thank you.
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| 01/22/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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XXXX of this year I purchased a XXXX XXXX XXXX. The dealer approved me for the loan. There was conditions to obtain the loan, though. Ally Financial told the salesman that I would have to buy gap insurance and a extended warranty. I asked the dealer that I can get GAP insurance thru XXXX and was open to extended warranties. He told me that Ally Financial would be the best option for this because it would wrap everything into one company and that Ally would most likely to approve the loan once I had these added to the loan. I asked him why, he told me that the buyer from Ally said, since I had a filed BK in the past and since the car was a high end car to fix and the the car would be protected and my best interest to go with Ally for this. So, I did what what I was told to do. Covid 19 came along in XXXX. I made the first payment, then reduction of work at work closed our business down. Ally said I could take three months of extensions on the loan. On XX/XX/XXXX I was hit head on by a drunk driver and totaled and she had no insurance. After 1 month in the hospital and losing my job. I got right on the XXXX to pay the car off. XXXX paid out XXXX and then I had a refund from the extended warranty which XXXX posted on my account, I think Ally said it was XXXX and then I started the most lengthy process of retrieving several documents to file the GAP claim. After getting all the documents to Ally GAP claims division. Ally received XXXX. I got a call from a lady, she stated we dont cover the extensions in the gap claim and we hired a third party company to recover the documents for us. So Ally left me owing XXXX. So the cards were stacked against me from the start. I have no way of getting this paid.Also, I thought the money from the extended warranty was refunded back to me, this was also taken by Ally in their own GAP coverage explanations. I am borrowing monies now, from friends and family to pay this. I am also looking into filing a law suit for Deceptive trade practices because engages in this business practice-they have there own formula of choosing what they are going to pay and not pay. Due to ALLY XXXX serious mental anguish, and now have starting to take medication for XXXX and XXXX.
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| 01/15/2017 |
Yes |
- Consumer Loan
- Vehicle loan
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- Taking out the loan or lease
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Web |
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I am the victim of identity theft. This took place from XX/XX/XXXX-XX/XX/XXXX. On my credit report it stated to contact me prior to issuing credit. No one contacted me from your company. There is an open charge off from Ally Financial. I have requested documentation of this erroneous account and to date have received nothing. I have sent certified letters and I have also filed previous complaints with the CFPB. I also asked you to provided me with loan documents. I was told that you being Ally could not give me any information because it was not my loan. Well, I understand it is not my loan and if you also understand it is not my loan take it off of my credit report. I am at the point where I am wondering if you are not because you are in the practice of charging minorities inflated rates and providing bogus auto loans and have been sued and made to pay a large settlement to the victims of your scam. Regardless, you should have some form of documentation. You have provided nothing. Being that I requested documents via certified mail and you did not respond, you obviously have nothing on file and are being difficult because you people enjoy being difficult. When I called and spoke to XXXX and XXXX they were very rude and acted as if I did something wrong when in actuality it is Ally that is in the wrong because they never called to get approval prior to opening a loan when I was facing identity theft. Any company that preys on minorities being XXXX, XXXX, women etc. and has no conscience is no company I would ever do business with and after speaking to your office staff there is no way I would have done business with you people. The bottom line is you ignore the complaints of the CFPB because you realize you are wrong and you have no just cause to report this bogus loan on my credit report. Which is actually considered to be a negligent act according to the FCRA. Damages and punitive damages can also be awarded and in addition to that, I could also justify Ally Financial 's behavior as just another one of their schemes targeting minorities and perhaps become a party to the class action suit of the XXXX dollar settlement. Please remove the Ally Financial account from my XXXX credit report.
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| 11/30/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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XXXX XXXX XXXX - In the morning, I received a phone call from the Ally Bank Fraud Service Center ( phone number XXXX ) concerning fraudulent activity on the debit card associated with my checking account. A voicemail was left giving a case number. I attach the voicemail in this complaint. I called back and spoke with a representative who asked if I made a purchase with my debit card in XXXX XXXX, XXXX. I live in XXXX, Pennsylvania and have n't even visited XXXX for about 18 months. Furthermore, my debit card has only even been used for ATM transactions. I told them this transaction was fraudulent and in return I was told that my debit card had been deactivated. I was told to not have any worries even though there was a pending transaction. The representative told me that this transaction would not go through and the funds should be immediately available once then failed pending transaction dropped off.
XXXX XXXX XXXX - I check my bank account in the morning and find that the pending transaction has now posted. The amount total was {$200.00}. I call back Ally 's Fraud hotline and explain that I 've already talked to a representative about this situation and that the transaction needs to be reversed or at the very least a provisional credit should be placed in the account. I am told by the representative that there is nothing she can do, and that I must wait up to 45 days to have access to my funds. Unsatisfied with this answer, I start a chat with a customer representative and request again that I be given a provisional credit to the account for the funds so that I can pay my bills while they are doing their investigation. I am told, this time, that there is nothing that can be done and that I may get a provisional credit in 10 business days and that the investigation can take up to 90 days to complete. I ask for the issue to be escalated to someone who may be able to provide the provisional credit immediately but am told that I must wait for them to complete an investigation. I have attached to this complaint a transcript of the interaction I had with this representative. After making no progress through this chat I terminated it and proceeded to file this complaint against Ally Bank.
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| 06/21/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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Complaint is regarding the " Smart Lease '' program and buy out agreements. Ally Bank issues two separate payoffs for lease buy out ( is this legal? ). One payoff to the consumer / lessee which is based on the contractual lease agreement ( remaining payments + guaranteed residual value ) and another to a dealer called inventory payoff which is based on FMV of vehicle.
Payoff 1 to lessee ( consumer ) : {$19000.00} Payoff 2 to dealer purchase for inventory price : {$24000.00} ( adjusted to FMV ) This basically locks the consumer out of capturing any equity ( that may exist ) in their vehicle upon a trade to dealer unless the consumer has the funds to personally payoff Ally Bank. This is completely unethical and consumer discriminatory. Then it got worse in my situation, I personally sent Ally Bank {$19000.00} to buy out and payoff my vehicle ( used Ally Bank online payment processing system ) ; however, Ally Bank adjusted the amount to {$2100.00} which was the remaining lease payments only. Ally Bank stated that the only way they will accept the buyout is via sending a certified bank check to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, KY XXXX. They have made it very challenging to payoff and buyout my vehicle. Payoff / Buyout funds were sent to Ally Bank using their online payment processing on XX/XX/XXXX in the amount of {$19000.00} from my personal savings account. Ally Bank subsequently adjusted this amount and did not accept the funds to buy out this lease claiming that those are not certified funds ; however, they had no problem accepting only partial amount of what was sent.
Dealer was willing to pay me XXXX for the vehicle which would have resulted in net equity toward the purchase of my new vehicle of {$3300.00}. This was lost as Ally Bank would not allow the dealer to payoff the vehicle. Instead, I was forced to personally payoff the vehicle and spend {$19000.00} for which they rejected due to the method of payment. My cash out of pocket on the new vehicle purchase was now much greater than previously expected and I also needed to personally draw on another {$19000.00} to payoff Ally for which they rejected. They have made the buyout and lease payoff near impossible for consumers.
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| 08/17/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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In XX/XX/XXXX, I had some unexpected expenses. My car payment for the month was due on XXXX/XXXX/2015. Due to an out of town family situation, I did n't call Ally until XXXX/XXXX/2015 to request a deferment on my account. Up to that point I 'd had a perfect payment record for at least a year so I was immediately approved for an extension, 1 month per my request. I verified my information with Ally. As I have a physical address and PO box , I requested that it be sent to the post office. As a condition of the extension I made an immediate payment of {$170.00}. The actual amount to be paid was {$170.00}, but due to the language barrier, I was n't clear on the specific amount. I was then supposed to wait for my paperwork in the mail. By XXXX/XXXX/15 I had not received it. I called and talked to many representatives who said it was mailed. I was concerned about completing the transaction prior to the 20 day period of the extension terms. After many conversations, a copy was faxed to me. I immediately signed it and faxed it back. I watched my account to see if the extension was reflected, again getting nervous about the deadline and any impact to my credit. Again, after several conversations, I was told it was recieved so under the wire, I made the final payment of {$230.00} ( {$230.00} was the intended payment ) which would have been for the XX/XX/XXXX payment. I would then go back to my regular payment of {$590.00} for XX/XX/XXXX. Upon checking my account for my XXXX payment, I found a past due amount of {$170.00} with a late fee of {$29.00}. Again, after many conversations Ally reps have aknowledged that since the original document was sent to a PO box , that it was not valid. The payment I made to start the process for the extension was not applied to the extension, but my XX/XX/XXXX balance. I have spoken to a myriad of representative in the U.S. and even a manager in collections who acknowledges that this is what happened. They argue with me that I owe this when the copy of my extension agreement indicates no other charges. The last manager I spoke to, a gentleman named XXXX, said he would look into the situation and get back to me. This over the peiod of 2 months is still unresolved.
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| 11/18/2020 |
Yes |
- Checking or savings account
- Savings account
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- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
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Web |
Older American |
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On Sunday, XX/XX/XXXX, I had a balance of {$8000.00} in my Ally online savings account ending in XXXX. On XX/XX/XXXX I initiated a transfer of {$5000.00} from my Ally savings account ending in XXXX to my newly opened Ally investment account ending in XXXX. I will attempt to attach a screenshot documenting that I initiated this transfer. Since it was a weekend, I knew the transfer would not appear in my account until Monday XX/XX/XXXX, but I had no reason to believe that Ally, with which I have banked for several years, would remove the money from my checking account and fail to transfer it into my investment account, which is what occurred.
On Tuesday XX/XX/XXXX, I checked online to confirm the funds had been transferred from XXXX to XXXX. The screenshots I will attempt to attach showed the funds were subtracted from XXXX on XX/XX/XXXX but were never transferred to XXXX, so I called Ally and spoke with XXXX. She acknowledged my transfer instructions and that the {$5000.00} had been withdrawn from XXXX but never deposited to XXXX. She could account for my missing {$5000.00} but suggested it XXXX have had something to do with my browser.
XXXX 's suggestion is untenable for two reasons : 1. I have used the same browser for my Ally transactions consistently over a long period of time without problems ; 2. I called Ally and obtained help with the transfer from an Ally employee, who reminded me that, due to the weekend, the transfer would not show up in my account until Monday. In actuality the transferred funds were deleted from savings that day, but never transferred to the investment account.
When I spoke with XXXX yesterday, she gave me a case # ( XXXX ) ; she said the matter would be researched and resolved by today. She said that the funds would be returned to my checking account by today. Yet it is past mid-afternoon, and I have heard nothing from Ally. If I try to contact Ally by phone to check, the wait time is over half an hour, which is especially unacceptable since Ally caused this situation and has wasted hours of my time already in addition to mishandling my funds. It is now Wednesday XX/XX/XXXX, three days after the attempted transfer, and my {$5000.00} remains missing.
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| 08/25/2023 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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Web |
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I submitted complaint number XXXX on XX/XX/2023 with the Consumer Financial Protection Bureau XXXX On this day, XX/XX/2023, I received a response from financial institution Ally Bank. Their response to my complaint and overall complete lack of support would encourage fraudsters to continue coercing victims into sending money as there are no repercussions for them, and the victim not only does not receive recovery, they lose their bank account entirely.
The response provided by Ally Bank did not address my issues, it provided just a dated summary of actions. Ally Bank did not address my issues in my complaint. I provided detailed information regarding the fraudulent activity and none of it was reflected in their response.
I have been a faithful accountholder with Ally Bank for seven consecutive years. I do not agree with their decision to close my account as I was a victim of fraud. I understand and agree with their terms of agreement ; however, I was coerced to send the funds. I did not send them voluntarily. Therefore, my circumstances does not place me within category of their terms of agreement.
When I did gather the courage to dispute the transactions, I was not contacted by an investigator as promised. It was important that I communicate with an investigator as there were extensive details explaining the coercion and inhumane treatment which was not reflected on my account/transaction summary whatever.
The moment I withdrew my disputes out of fear for my life, Ally Bank made no effort to question my decision. They immediately followed protocol to withdraw the dispute, whereas there was no followed protocol when the disputes were implemented.
As a victim of fraud and a loyal accountholder, I was sure that my financial institution would support me, at minimum, by reaching out to me. I received absolutely no support from Ally Bank.
By disputing the transactions, it resulted in me losing my account.
This encourages fraudsters to continue coercing victims into sending money as there are no repercussions for them, and the victim not only does not receive recovery, they lose their bank account entirely.
Additionally, XXXX completed closed my account with no explanation.
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| 08/24/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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During the last 6 months, we have had several problems with Ally Financial paying back this loan and tried to send a letter in the beginning of XX/XX/2022 to explain the situation, as some of it was largely due to XXXX reasons and being incapable of making the payment and was also trying to use their phone system with our card but was not successful and needed forbearance. Since XX/XX/XXXX, I had the XXXXXXXX XXXX of XXXX and was XXXX and was unable to do anything, and was in XXXX at the time so treatment was limited. This was also followed by a XXXX XXXX where I had XXXX XXXX with about XXXXXXXX XXXX on around XX/XX/XXXX through the month of XXXX and XXXX and was recovering. I have documentations of this as well During the brief time I was able to speak and try and check the situation, I tried giving Ally bank my credit card and they were unable to process it. I repeated it several times and and they wouldn't let me pay with that card. Then, the exact same thing happened with the debit card when I said it to them over the phone and they couldn't process it. I even tried in XXXX to apply for another credit card and when I was able to get into the online system ( which ALSO I had to call to get into, because it wouldn't let me log in or reset my password for awhile ) I was able to turn on auto pay after making my first payment over the phone earlier that day ( mid XXXX I believe it was ).
Another issue I had was back in XXXX ( towards the end of the month around the XXXX ) I had turned on auto payments on the website and connected it with the bank but it clearly wasn't working I'm not sure what exactly happened.
I'm not sure what late fees were imposed but they only waived {$10.00} as a result of this in XXXX and we have paid our payments for the last 2 months and are making every single payment on time and are caught up on our payments and are willing and able to do what's necessary to remove these late payments and have a good relationship with this bank. I've been a customer for 5+ years with them. I will pay whatever is necessary to remove these late payments and do whatever is necessary. I also paid in full once I was out of the XXXX and made consistent payments on time.
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| 07/15/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Confusing or misleading advertising or marketing
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Web |
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I had a Car Loan with XXXX XXXX XXXX with a rate of 3.49 % Then I got an advertising letter from " XXXX by Ally '' Company, they are broker company working with several creditors, offering me that I got pre-approval for a % 3.36.
I got interested in the offer and claimed the new rate. On the Phone, the salesperson was so sure that I got the new rate with lower monthly payments.
During our conversation, I evidently asked the salesperson that the new rate sounds so low, and asked how can it be. The sales person told me about different institutions having different financial situations and it is possible. I also asked about not to get hard credit check inquiries, and even if it is needed, I asked to have only with one. After clarifying those points, I decided to move forward.
Hours later I got an SMS message from the company " From XXXX : Congratulations! The financial institution has approved your credit application Call XXXX for next steps '' Then I submitted all of my personal information ( SSN, Adress, ID numbers ..etc ) along with my car details ( Model, VIN..etc ) through their web portal as instructed at an approval email notice.
Two days later, I got a phone from the salesperson, XXXX by Ally Company, and this time he told me that, Actually that credit has not been approved and there is one approved loan for % 4.50, and asked me if I would be interested in that offer!
I was shocked!
Tried to understand, why did they first approve me and now try to sell a higher rate, but never get any clear answer to that, and they told me that every approval was actually pre-approval, it was not guaranteed.
Worse than that, when I checked my Credit report with Credit Bureau, I saw that actually, TWO hard inquiries had been done for two different creditors by this broker npt ONE.
I did never get an answer for why I got an approval message and had been inquired two hard credit checks.
I think they literally used that lower amount to get me in, run my hard inquire for two creditors, the actual approval was for the XXXX XXXX, and DECEIVED me as I got approval for the lower amount.
I think this is a bait and switch scam.
I want a complete settlement for this dispute Thank you
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| 03/28/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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First of all, OLLO arbitrarily and capriciously placed a hold on my account, according to XXXX or similar name thereabouts when I called on XX/XX/2023 @ XXXX @ the security department, states in essence, they believed there was a possible fraudulent charge.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, knowing how fraud works and was a part of the international credit card investigators association and knowing the master contract with XXXX XXXX, this entity needs to make necessary and proper notification, and failed to do so, and just arbitrarily and capriciously placed a hold without so much as sending an email to verify said transition which happens to be about {$520.00} or so to a wigs.com. This charge was in fact true and genuine.
Since XXXX was a customer service rep and obviously not schooled in investigations, she was not professional in answering my questions, why a hold and what notifications did they in fact do in any " due diligence '' to ascertain if the charge was legitimate or not, so not I have sustained damages and emotional infliction of emotional distress when I tried to charge {$1.00} for a simple RX i needed and card was declined. Evidentially this charge evoked a hold for over two weeks now.
Not even a letter or any official snail mail notification was sent out which is part of a " due diligence '' procedure to hold entities such as OLLO as per contract with XXXX XXXX international as they must adhere to certain rules and procedures to maintain a contact with XXXX XXXX to keep using their services and to issue cards in the first place.
Thus I am alleging, negligence, in how OLLO conducts business and their record keeping and how they fail to adhere to XXXX XXXX XXXX XXXX when dealing with their customers.
Thus, we will be filing a small claims case against above for negligence accordingly and IIED against their customer ( XXXX ).
We suggest XXXX write paper and everyone involved in the paper chain, substantiate their role in this when I comes to justification in court.
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 12/18/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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I was originally financed through Ally Financial. I was offered a loan through XXXX XXXX to refinance the vehicle. XXXX XXXX paid Ally on XX/XX/XXXX. I received documentation from Ally my lease was paid off and my title was released and also sent me a refund for my Gap warranty. XXXX XXXX originally assured me that my Gap warranty would still be in play but when i called they said no it wouldn't so i then said i don't want to continue with them. XXXX XXXX had me call Ally on XX/XX/XXXX and again on XX/XX/XXXX to ask them to return the funds. I was then told on XX/XX/XXXX by Ally that XXXX XXXX reversed the check which is impossible. Ally also opened my account back up from the original date XXXX XXXX refinanced, therefor making me have 2 open loans on the same car and also put me delinquent on my account. I then spoke with Ally on XX/XX/XXXX asking why they opened my account back up on that date and i was told if i don't make a partial payment they would be reporting me to credit agency even though they still had the money from XXXX XXXX. I made a partial payment of {$170.00}. XXXX XXXX in the meantime also has an open account still because they have not received their funds. I called XXXX XXXX and asked why they still had my account open and they said they would not release my title until Ally releases their funds. So i called Ally and they said they would not release the funds until XXXX XXXX released the title. So i'm at a stand still. I called Ally and said i have no choice but to stay with XXXX XXXX because you have the funds and they have the title. They said they would close my account and also refund me the money i applied towards the loan. The next day Ally called me and said they don't have any money from XXXX XXXX that the check was reversed which isn't possible so i called XXXX XXXX and they said no that they never reversed a check and that they went ahead and sent the title to Ally to help with this process. But Ally is still saying they have no funds and that they also don't have my title even though it was shipped XXXX and was signed for on XX/XX/XXXX. I can not get correct correspondence from Ally and now they are reporting me to the credit agencies as late.
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| 09/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I purchased a new vehicle in XX/XX/XXXX and financed through Ally Financial.
At the time of purchase, I included a GAP insurance policy. This vehicle was involved in a collision on XX/XX/XXXX and determined to be a total loss. I started the GAP claim immediately and communicated with all parties.
I was sent a bill from Ally Financial for {$760.00} in XX/XX/XXXX. Working with the GAP insurance company, we were able to determine that the amount corresponded with the expected prorated refund from the GAP Policy. The dealership, XXXX XXXX XXXX in XXXX had cut a check to the lender for the prorated remainder of our extended warranty, however mistakenly did not include the prorated remainder of the GAP policy. They acknowledged the error and indicated that they would resolve this promptly.
I was sent another bill from the lender for {$760.00} in XX/XX/XXXX. I communicated directly with Ally Financial and explained that this amount was to come from XXXX XXXX XXXX, and indicated that I would follow up from them.
The COVID-19 pandemic caused some issues, as the finance manager at the Dealership who needed to resolve this started working remotely, and there was apparently a great deal of chaos. I communicated with Ally Financial numerous times updating them on the status, and indicating my concern that this could have an impact on my credit. A representative from Ally Financial assured me that there was no reason for concern, and told me that it would all be dealt with once the account was paid off.
The dealership finally paid this amount to the lender in XX/XX/XXXX, leaving a balance of {$34.00}, which I paid immediately.
The account, now closed, is reporting a charge-off status, and severe delinquency for the amount owed to the lender from the dealership. I have contacted the lender numerous times and they stated that the account was in good standing as far as they're concerned. They advised me that the department that handles these matters does not speak to consumers directly, and further advised me that I should proceed by filing disputes with the three credit agencies. I have taken the latter action, however upon conclusion the delinquency still shows on my credit reports.
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| 07/27/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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In early XXXX of XXXX I refinanced my auto loan with Ally financial with a new lender for a better rate resulting in a lower monthly payment. My new lender sent Ally the payoff check via XXXX overnight on XX/XX/XXXX. Ally received the check on XX/XX/XXXX. I confirmed this by the XXXX tracking link provided to me by my new lender. I contacted Ally on XX/XX/XXXX to let them know they had the check in hand and to ask them to update and close my account. They told me they arent seeing the check was received yet and advised me to call back in XXXX hours. I told them I was concerned with them reporting a late on my credit and they advised they only report lates after XXXX days. I contacted Ally every day after XX/XX/XXXX to inquire about the status of my account, each time I was told the check wasnt received, even after I sent them the XXXX tracking link and the receipt showing proof of delivery. Each time I was told their paper check processing system was down and to try back in XXXX hours. I contacted them everyday and when asked I provided them the check date, check number and amount. Even then I got no resolution. My lender provided me a copy of the cancelled payoff check which I sent to Ally MULTIPLE times to prove the payoff check was processed but my account wasnt updated and closed. Ally reported a XXXX day late on my credit on XX/XX/XXXX, well over XXXX weeks after they processed the payoff check from my new lender. I have disputed this with the credit bureaus and filed a complaint with the XXXX. I still have yet to hear from Ally after a customer relations specialists reached out to me and asked that I email all documentation directly to her. I did that on XX/XX/XXXX and still have yet to hear back from her. I received a letter in the mail yesterday from Ally stating that if my account was not brought current by XX/XX/XXXX, they were exercising their right to terminate our contract and repossess my vehicle. I have reached out to Ally every day via, email, chat, phone call and they have been unresponsive and offer no help on getting this issue resolved. I have never had a late payment at all during the time vehicle was financed with Ally. This is wrong and unfair.
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| 09/02/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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I had my loan on auto pay on XX/XX/XXXX my bill is due i. it pulled and was cleared on XX/XX/XXXX. I took it off auto pay. On XX/XX/XXXX They pulled XXXX payment i found messaged ally on XXXX. On XX/XX/XXXX i checked my bank account and the pulled the XXXX payment. I went onto my ally online account and got a response and about them saying about insufficient funds so i called called ally. And spoke to XXXX. He told me it was because i took my bill off auto pay. We spoke back an forth.i to him i had proof on my end from my bank i paid then they pulled 2 more times. He explained to me it had to been a mix up or something. He would refund the money they pulled on the XXXX and then i needed to send a copy of the screenshots of my bank sccounts and/or records throught there app. I attempted informed him i couldnt. He told him to fax them. I had no way to access a fax machine. He then he then up me on hold. I was given the run around over agian. Being transfered from customer service to billing. Told no one can do anything besides using the app. No supervisor will talk to me. I cant email they anything. I asked to resolve the situation and i just get well bc my computer say its this way ur wrong.
XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX ( cant give out my member # id ) I answered put her on speaker. She told me seps payment was late. Its do the XXXX. The told me it was XXXX ( Another adult in room ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX ( won't give employee id ) XX/XX/XXXX ( says im 14days past due ) ( cant hear me all of a sudden so hung up and i called back on my husbands phone ) XXXX ( was hung up on on husbands phone ) XX/XX/XXXX XXXX ( hung up on husbands phone agian ) XXXX # XXXX XXXX Called 2x on XX/XX/XXXX first time i missed. 2nd time i answer XXXX answered when i asked where he was from he mumbled and when i asked to repeat he hung up.
XXXX # XXXX XXXX ( put me on hold and sent me back to main menu ) XXXX # XXXX ( hung up on her she was going to put me on hold for 2 to 3 mins ) around the XX/XX/XXXX XXXX XXXX ( say companyhas no d numbers ) ( refussed to speak to my husband ) XX/XX/XXXX XXXX ( no other info. refused ) XX/XX/XXXX 1
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| 03/19/2022 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Problem using a debit or ATM card
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Web |
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I tried to purchase an XXXX monitor for XXXX on a small ecommerce website called XXXX. The site is down right now, it was live and running when I made the purchase on XX/XX/21.
Please see the files attached for the evidence.
Also attached images of the weight difference of the same product on XXXX and the scam website XXXX. As you can see in the images I attached, the weight of the monitor in the ups tracking number that the scam website XXXX sent is only XXXX lbs, the real weight of the same monitor on XXXX is XXXX pounds/lbs. I also attached an image of a text message that XXXX sent me.
I never received this monitor even though I was sent a false tracking number. A few weeks later the website goes offline when it was previously online. I also found several negative reviews of the site on trustpilot.com from several customers that bought something and never had it delivered to them. I also called ups with the tracking number they gave me and they confirmed that the tracking number was not for my address that I put as the shipping address.
I contacted the bank I used to make this purchase, ally bank, to report fraud and request a chargeback. Ally bank took longer then other banks take to issue a chargeback. They got back to me with a letter saying this charge was authorized and correct and to fill out an additional form if I wanted them to investigate this charge further. I filled out the form completely with all details and evidence that makes it clear and obvious that the merchant was fraudulent. I had to wait almost 3 months for ally to respond to this by a letter in the mail for their final determination on this charge. Their final letter said that they think it is still authorized and correct and they tried to contact the merchant and of course never received a response from them. They still closed this dispute regardless without issuing a chargeback to return my money and said to contact the merchant directly which I already tried to several times and never received a response because the merchant is an obvious scam that many other people that have left reviews have confirmed they have gotten scammed the same way. What can we do to recover the money?
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| 10/15/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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Prior to making my payment on XX/XX/XXXX I contacted Ally Bank. I was transferring the loan to my credit union for a lower interest rate and the due date was coming on XX/XX/XXXX, when they didnt receive the payoff they advised me to go ahead and make a monthly payment to avoid a late fee. I made my payment on XX/XX/XXXX and my credit union paid off my auto loan ending in XXXX on XX/XX/XXXX.
Ally bank owes me {$1000.00} refund. My first call to Ally was on XX/XX/XXXX I was advised that my check was mailed that day, but due to a storm in Louisiana, my check could be delayed in the mail by up to 2 weeks.
I called back on XX/XX/XXXX when I didnt receive my refund and was advised that the refund was still pending because it was over {$1000.00}, it needed some type of approval. The advisor I spoke to was going to escalate and have someone give me a call back. That never happened so I called back again on XX/XX/XXXX and spoke to a advisor and then was transferred to XXXX on the customer solution team. XXXX also saw the refund pending and supposedly sent an email and promised me a call back on XXXX. No one ever called me.
So on XX/XX/XXXX I called and spoke to XXXX and XXXX XXXX id number XXXX ). I was advised it could take 30-45 days for a refund. I was promised a call back with a XXXX XXXX tracking number for my refund check.
Now today XX/XX/XXXX I called and talked to XXXX ( id XXXX ) and XXXX XXXX id XXXX ). Now XXXX tells me they have a man-power issue and refunds can take 55 days. I requested his XXXX and was placed on hold for an hour and never talked to anyone. I was transferred to an automated survey which I completed and advised that I was very dissatisfied.
I have spent countless hours on the phone with numerous agents trying to get a refund that I owed. Since they record their calls, I would love for someone to go back and review all of the interactions on my account. You better believe if this was reversed ; I owed Ally money, they would be charging me fees and interest until they got their money!! But they could care less if their customer needs the money Ally owes.
I guess next time I call they will tell me the refund processing time is 75 days??
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| 03/23/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
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( XXXX ) NOW ALLY FINANCE WHICH SHOWS ON MY CREDIT AS XXXX HAS ACCT ALL WRONG AND WILL DO NOTHING ABOUT IT IT IS 72 MONTH CONTRACT STARTED XX/XX/XXXX. SHOULD BE DONE XX/XX/XXXX I HAD 3 EXTENSIONS WHICH PUSHS MATURITY DATE TO XX/XX/XXXX.? THIS IS VERY EASY TO SEE I HAVE PAID OVER 30000.00 That was XXXX loan. I had to pay until XX/XX/XXXX to pay loan off they ended up with extra 18 months, you can look at XXXX and see all the notes they made me pay 90 months on 72 month loan with only 1 time 30 days late. I always paid my late fees. I have copy of my contract and credit report backs up my claims, the math does not add up. I paid XXXX more than what I should have, XXXX at 18 extra months that should not have been ..
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Account Number : XXXX Status : CONTACT XXXX FOR STATUS Account Owner : High Credit : {$17000.00} Type of Account N/A Credit Limit : Term Duration : Terms Frequency : Monthly ( due every month ) Date Opened : XX/XX/XXXX Balance : {$0.00} Date Reported : XX/XX/XXXX Amount Past Due : Date of Last Payment : XX/XX/XXXX Actual Payment Amount : Scheduled Payment Amount : {$450.00} Date of Last Activity : XX/XX/XXXX Date Major Delinquency First Reported : Months Reviewed : 90 Creditor Classification : Activity Designator : Paid and Closed Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : XX/XX/XXXX Type of Loan : Auto Date of First Delinquency : N/A Comments : Consumer disputes this account information 81-Month Payment History Year XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX NR NR * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX NR NR NR NR NR NR NR NR NR NR NR NR XXXX NR 30 NR NR NR NR NR NR NR NR NR NR XXXX NR NR NR NR NR NR NR NR NR NR NR NR XXXX NR NR NR NR NR NR NR NR NR NR NR NR XX/XX/XXXX NR NR NR NR NR NR NR NR NR NR NR NR XXXX NR NR NR NR NR NR PLEASE HELP WITH THIS XXXX IS A LOT OF MONEY THAT I COULD HAVE USED NOW COMPONDED WITH INTEREST WOULD BE MUCH MUCH MORE.
THEY JUST LAUGHED AT ME, AND SAID GOOD LUCK. THANKS XXXX XXXX XXXX
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| 08/14/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with the interest rate
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Web |
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I traded my car in for a small truck that I would be able to use in my XXXX XXXX as a XXXX XXXX, in XX/XX/XXXX. At the time my credit was not so good but the vehicle I traded in had an excellent pay history. Credit insufficient due to Chapter XXXX filing in XXXX. The sales price of the truck was only {$14000.00}. I paid a {$2000.00} down payment and traded my car which they gave me {$3000.00} for supposedly. Initially they called and told me to they could not get me financed and I had to bring the truck back which I did and got my car but they did not want to give me my {$2000.00} back so they said I could pick up in two days and when I did they had gotten Ally Financial to finance it in for {$360.00} rather than my initial payment of {$310.00} with XXXX XXXX as they still refused to give me my money back. I had explained to the finance manager that I would rather not make a purchase with them for my inconvenience of bringing the truck back and when I asked for my car back before they sold me the truck, told me they had already sold it which was a lie. The issue is that the interest rate ( XXXX % ) is very high and the finance manager said that was temporary. The qualification to get out of the loan was to make the next XXXX payments on time and the loan would be refinanced to a better loan. I made two attempts to do that XX/XX/XXXXand XXXX. I went to the dealer twice and it was nothing they could do. By this time they had a new fiance manager and on two occasions, I spoke directly to Ally Financial and was told that they could not refinance. I would need to go to another bank or credit union. I did have a couple of extensions on two of them I made the full payment within the extension period, but with that being said this vehicle should be paid off with this usury interest rate that I was unable to get out of, in XX/XX/XXXX. I still owe {$8600.00} which means that all the paymnets has been applied as interest and not enough on the principle. this is too much interest for anyone. I received two checks for excess interest, which was the only explanation on voucher. I just assumed from some other class action and thought they would be adjusting but they did not.
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| 12/15/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem making or receiving payments
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Web |
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My rent check, Check XXXX XXXXXXXX sent through XXXX XXXX, was stolen and cashed. I have not been reimbursed this stolen {$940.00} yet.
I have my rent check automatically scheduled to be sent through Ally Bank. For my rent due XX/XX/XXXX, I scheduled delivery of this check by XX/XX/XXXX.
On XX/XX/XXXX, right before going to sleep, I went on my Ally Bank portal to just gloss over my account. I immediately noticed that my check was deposited. This was a red flag to me, as my checks are not usually cashed this quickly by my landlord. I also noticed that the endorsement on this check was different from the usual endorsement my landlord makes. Specifically, this check was endorsed with a signature, and not a XXXX XXXX XXXX stamp. For example, Checks XXXX, XXXX, XXXX, XXXX all have the stamp. Check XXXX ( the stolen check ) does NOT have the stamp, and just has a signature.
With this information, I checked my landlords portal and saw there was a balance still outstanding. I sent an email to my landlord confirming that they had not received my rent check, then went to bed.
The next morning, at XX/XX/XXXX, I got an email from my landlord confirming that my check had not been received by them. With that information, I went to the City of XXXX XXXX XXXX Police Department to file a police report about this stolen check. The report number is XXXX. With this police report filed, I called Ally Bank to dispute the stolen check. Ally Bank gave me Dispute # XXXX. This means I reported the stolen check in about 14 hours after the check cleared my account.
On XX/XX/XXXX, I received notification that my dispute was closed, and that no fraud occurred.
On XX/XX/XXXX, I called Ally Bank and was told that I could not appeal the decision.
On XX/XX/XXXX, I called Ally Bank again. I highlighted how I filed a police report, and how the endorsement for this stolen check was different from all the other rent checks that my landlord cashed. Multiple agents on the phone recognized that this check was fraudulent. However, all they did was open a new checking account for me, as my old one was compromised. Beyond that, they refused to help me get the {$940.00} stolen from me back.
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| 04/18/2022 |
Yes |
- Debt collection
- Auto debt
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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XXXX XXXX, a collection agency contacted me about a debt I originally owed to Ally Financial in XXXX of XXXX. XXXX stated they were employed by Ally Financial to collect the debt, and they NEVER stated they were actually a collection agency. I had already had in my possession a letter from Ally for the original amount for debt, which was XXXX, XXXX.
I believed this company, as they stated the amount, and sent a letter with the amount, along with contact information ( which I just recently found out, this information was false ). I have been paying this company {$75.00}, since XXXX of XXXX. XXXX just recently stop sending correspondence in the mail, with the adjusted amount balance, and when I called the company to request to speak with the person who's name has been on all of the letters I have received ( XXXX XXXX XXXX ), the person I spoke with, ( he would not provide his name ) stated the person was not there. I asked to be transferred to her Voicemail, he stated he stated there was no one there by that name. I asked why have I still been receiving correspondences in the mail with her name on it. He hung up the phone. I tried calling again, and a woman answered the phone, when I questioned her, she stated she couldn't transfer me to anyone, she stated she couldn't provide me with any information, and that she was working remotely. I called my Bank to stop payment for this company, and they opened a fraud case. The bank stated XXXX noted in the memo section of the withdrawals they have been receiving since XX/XX/2021, that I gave them permission to withdraw the amount of {$75.00} on the XXXX of every month on behalf of Ally Financial, and that they were paying Ally Financial this amount on the debt. Clearly, this company has violated so many laws, including the CFPB, FDCPA, and personal violations. They have lied, falsified information, collected on a debt that was forgiven ( also, I just received a tax document in the mail from the original creditor, Ally Financial, stating my debt was forgiven ), provided lack of information on collection of debt, did not identify themselves as a collection agency, and they purchased the account from Ally Financial, etc.
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| 01/08/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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This complaint is about my auto lender, Ally Financial. I had a car accident on XX/XX/XXXX totaling the car. I reported immediately to my insurance company, XXXX. On XX/XX/XXXX, Ally faxed a payoff amount of XXXX to XXXX good until XX/XX/XXXX. On XX/XX/XXXX XXXX paid {$6800.00} to Ally and car should have been paid in XXXX. I did not need my Gap insurance as my car equity was higher and I received from XXXX {$2300.00}. My bills at Ally continued to reflect that I owed {$0.00} thru XXXX, XXXX.
In XXXX, Ally sent me paperwork for Gap insurance. I called about this and they said I might be entitled to a refund from Gap. I called the Gap insurance XXXX XXXX, contract GW XXXX ) who said they needed title pay off letter. I called Ally back and they said my account was CLOSED so they couldn't see the account but I still owed {$370.00}!!
On XX/XX/XXXX I spent SIX hours on phone with Ally and spoke to 7 representatives trying to work this out. They said they did an " internal investigation '' and decided that I had NOT paid in FULL and that XXXX had NEVER called them and that XXXX had sent them that amount arbitrarily.
On XX/XX/XXXX I got a letter from ALLY with a NEW PAYOFF AMOUNT ( for a car that was PAID OFF XX/XX/XXXX!! ) saying I actually owed {$7100.00} not the {$6700.00} they said in XXXX!
They starting making collections calls ( 4-5 times a day! ) for said PAST DUE amount in XXXX and reported me delinquent to credit bureaus XX/XX/XXXX and XX/XX/XXXX.
On XX/XX/XXXX the called my daughter 's MOTHER IN LAW and MY NEIGHBOR about these charges!?!? At this point I sent a " cease and desist '' letter for contacting me, my family and Neighbors.
I do not feel I owe them ANYTHING and this is a scam to get more money plus interest. There are thousands of similar complaints of cars paid off after being total on the ther XXXX page, XXXX and Consumer Affairs. ( I have screenshotted numerous complaints if you would like to this info, too numerous to include here. ) It is horrific how they conduct business and they should be shutdown!
I want this charge removed from my account and my credit bureaus notified that my account is current and closed in GOOD STANDING!
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| 08/29/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
Older American |
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I paid off my loan on XX/XX/XXXX with a cashier 's check. Ally confirmed receipt of the payment, and told me they mailed the lien release on the same day. I told them the dealership where I traded in my vehicle needed a lien release right away, so Ally told me they would FAX a lien release to the dealership on XX/XX/XXXX. On XX/XX/XXXX, I called them and informed them the FAX was not received. They said they would FAX it again that afternoon. On XX/XX/XXXX, I told them I had not received the mailed lien release. They told me I should receive the mailed lien release by XXXX. On XX/XX/XXXX, I received an email confirming that the lien release had been mailed, and I should expect to receive it within 7 days.
On XX/XX/XXXX, I called them and let them know the FAX still had not been received by the dealership. The agent said she would send the request to another department and they would FAX the lien release in 1 to 2 days. On XX/XX/XXXX, the faxed lien release still had not arrived. I called Ally and they said the FAX request was currently being processed and the dealership should receive it by XXXX XXXX the same day. On XX/XX/XXXX, the XXXXAX still had not been received. I called Ally, and they told me they needed another 1 to 2 days to process yet another FAX request. I asked to speak to someone in the Consumer Relations Department.
So far, this was one request for a mailed lien release, and four requests for a faxed lien release.
The Consumer Relations Department told me that either on the XXXX or XXXX, I would be able to obtain the lien release by logging in on their website. On the XXXX, I called Allys Consumer Relations Department again. They told me I needed to wait yet another 1 to 2 days before I could access the lien release. In the meantime, the mailed original still has not arrived. Every time I speak to them, they tell me they must send my request to another department, and it will take another XXXX to 2 days for the request to be processed. Over and over again, I have done this, to no avail.
Here I am, three weeks after paying off my loan with a cashiers check, and I still do not have a lien release after repeated promises to provide one for me.
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| 11/18/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem making or receiving payments
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Web |
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Ally 's so-called " fraud protections '' frequently prevent customers from using their ATM/Debit cards as intended, and they refuse to fix the issue even after multiple attempts and notifications.
1. Our dry cleaner, a large company in the XXXX XXXX XXXX XXXX, is not fraud. Ally has allowed us to use our debit card to pay them in the past, but for some reason has decided they are fraud and now declines all charges. This caused an issue in that we can't get our clothes back because we can't pay for them. We notified Ally of the problem multiple times beginning XX/XX/01 and they continue to say it's being " investigated '' and that their " fraud filters '' will not allow us to use this service. Again, this is an established, well-known company. It is not fraud. Ally refuses to fix the issue. I have never disputed a dry cleaning charge with Ally.
2. Ally also refuses to let us use XXXX services with our Ally debit cards. I probably don't need to tell you that XXXX is also not fraud. Ordering XXXX XXXX or getting a ride with XXXX should be an easy process, but Ally declines ALL of their attempted transactions. Ally continues to " investigate '' this issue and recently called to tell me they are attempting to update their " fraud filters, '' but there is no solution as of yet. Again, THIS IS XXXX. This has been an issue since XXXX, when I became stranded at the airport in XXXX. I couldn't get an XXXX because ALLY REFUSED TO LET ME ORDER ONE WITH MY DEBIT CARD. I have never disputed an XXXX charge with Ally, yet they continue to insist they can't let me use my debit card for XXXX and refuse to solve the problem. FOR MONTHS. The only solution they have given is, " please continue to attempt the transactions over and over. '' This is not a solution.
If I give a bank my money and I adhere to the rules of deposits, balances, and debit card use, I should not be told by the bank where I may and may not spend my money. Neither of these merchants are shady, unknown, or even brand new. Yet Ally acts like I'm being unreasonable by insisting that I should be able to use my debit card as I see fit.
They are denying me access to the money I have deposited in good faith.
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| 04/16/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
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This is in regard to Ally Bank.
My partner and I moved back from XXXX, XXXX to the US ( Friday XX/XX/2023 ) and we were looking for a home to rent. We found one and signed the contract ( Friday XX/XX/2023 ), which required us to wire funds to the listing agent 's company ( first months rent of {$4100.00} ) and the new landlord ( security deposit {$4100.00}, last months rent of {$4100.00}, and a pet deposit of {$1500.00} for a total of {$9800.00} ) within two business days. We then initiated the wire from our Ally savings account early that afternoon ( between XXXXXXXX XXXX and XXXXXXXX XXXX ) Ally allowed the first wire but then denied the second. Ally sent me an email to " Call [ them ] to verify some information. '' I called Ally, verified everything they asked ( SS #, name, phone number, both security questions ), and then they said the account was under review and they locked us out of our only savings account. I asked to speak with a supervisor to explain the situation further and said I could send over anything they needed to verify I am who I am ( e.g., video of myself + SS card, driver 's license, passport, contract of new lease, etc. ) Ally said none of that mattered and there was no way they could unlock my account as the process was now going through its motions which would take weeks, but said I can leave a message for the supervisor to call me back within 24-48 hours ( XXXX ). I called again after 40 hours ( Sunday XX/XX/2023 ), asking if I was to receive a call back and the women I spoke to said it's unlikely as supervisors don't work weekends (? ). I informed Ally of the urgency of this request and how us having a place to live was at stake- they said that didn't matter.
We have been treated in such a cold and un-empathetic manner. Every time I speak with a representative their top concern comes across as getting me off the phone. This bank has verified all of our information and they are more concerned with protecting themselves from a potential < $ XXXX fraudulent wire ( which it isn't ) than having their 4+ yr member go without a home. In our most stressful moments, Ally Bank has proven their unwillingness to look after their customer.
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| 01/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Incorrect information on your report
- Public record information inaccurate
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Web |
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hello, I have 3 investment accounts with Ally XXXX XXXXl ( Ally bank online ) for about 2 months. XXXX IRA and 2 rob investment accounts for a total of about 9000 dollars. about 2 weeks ago they inactivated the text code verification for security purposes because I forgot my PIN number and they went ahead with asking me multiple choice questions as a method of verification. since then I have failed their verification answers, they keep asking me about a different person that lives in XXXX Arizona and that has my same age and same maiden name. also they have been asking me about " other people that I am supposed to know that live in Arizona. I keep telling them that I have never lived in Arizona, I have lived in XXXX XXXX for over 30 years and California before that. they would not hear of it and have attached my accounts to fraud and have lock them, I can not see them on my online banking side of it like I used to or have access to it or transfer them out. one time I did happened to speak with one representative that tried to help me and asked me to submit/fax my driver 's license and social security card to the number the representative gave me, I did on the XXXX and email them to XXXX the following day also. XXXX, the representative said that in about 2-3 days they would contact me, I have never hear from them or no body has email me. I keep sending them an email asking what other information I can submit to verify that is me. I keep calling and asking them the same thing and they keep asking me the same questions about someone that lives in a different state and other people that I have no idea who they are. they wound not get me to a manager or supervisor because I have not been properly " verified ''. they would just not help further and I have no body that could help me. the banking part of it I have access to fully but they say they can not help me with the investment part of it at all. like if they separate entities. my phone number is XXXX and XXXX, my email address is XXXX, I have no paperwork to submit because I have not receive a email back or call back, there is no back and forth just me begging to what else I can submit to prove that it is me.
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| 01/12/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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I was an Ollo cardholder, but have not used the card in few years. I made one time purchase in XXXX for one year subscription for {$50.00} on this card, I made sure that auto-subscribe button was off. So it was one time deal for me, I paid my {$50.00} owed, and forgot about it. Back in XXXX of XXXX I came to find out that I was charged another {$50.00} from that XXXX XXXX I subscribed for ONE YEAR only, and accumulated some late fees on top, because OLLO became ALLY!!! I was not aware of it, as I get too much junk in the mail, and when I saw ALLY in my mail, I thought it was junk! As soon as I realized that I called the bank, explained what happened. They opened a dispute, I received a mail confirmation on XX/XX/XXXX. They asked me to contact the merchant and try to solve with them. I provided the bank with all the information I could find about that club I subscribed for. The phone number was not legit, the customer service options on their website were unclickable. There were no means for me to get in contact with that shady company. The ALLY resolution was that they find the charge legit, and I have to pay. I decided, that {$50.00} not worse the aggravation, so I called them up and said that I agree to pay {$50.00}, asked them to waive the late fees due to their banks changing, and to close my account. I paid the money, was granted fee waiver, and was told my account will be closed. On XX/XX/XXXX I received a mail confirmation that my account was closed. I have been bombarded by mail and text messages prior and ever since, the latest balance is {$57.00}. ( Attached is a picture to show the frequency of their mail, and there are also text messages and emails! ) .I been calling them numerous times, heard different stories, last one told me I already had {$27.00} late fee honored, she can not honor twice! Twice!!! There should only be one time fee removal, but because of their cycles, it kept rolling into the next cycle, or so I was told. This bank was nothing but headache to me and I wasn't even aware that I became their customer. I am accumulating more fees as days go by, but I feel it is unfair how I was treated, not able to get any help or resolution.
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| 01/25/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I am a XXXX XXXX from the State of Texas. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My employer uses XXXX to pay me. I had to open an account to obtain pay as my credit union does not participate in XXXX. I opened the account on XX/XX/2023. I informed the bank customer service rep that I needed to link an external account so I can transfer my check to a bank where I can access my funds. The customer service rep assisted me in linking the account. We completed the transfer. The bank informed me Tuesday XX/XX/XXXX that the transfer was cancelled and that was all I needed to know. I asked how I was to obtain my funds. I was told wait for your debit card to show up and then you may only obtain {$500.00} a day from the atm machine. When asked how much longer do I need to wait for the debit card I was told XX/XX/XXXX. Today is XX/XX/XXXX and no debit card, I called them again and asked when will I receive my debit card. You are on day 8, we take 7-10 business days to send your card. I was then told that it was strange that my card has not arrived yet, really the cards get to the address in 5 business days. So I was told nothing will be done until Friday XXXX XXXX XXXX. Then if the card does not arrive, I will have to cancel and reorder a new card. Again it will take another 7-10 business days after that to get another card, we do not expedite anything Ally goes on to say. I asked since you won't let external transfers go through, how do I get my funds. Well you can try XXXX at {$500.00} daily limit and a 3-5 business day transfer time. or you Can PAY US {$20.00} and we will wire it, however you called past XXXX XXXX and you will have to wait until Thursday XX/XX/2023. The fee is {$20.00} and you won't see it until the XXXX of XX/XX/2023. I filed a complaint with Ally Fraud Protection Dept. They told me that they were unsure if I would see this money, they said they could confirm that my money is mine. Fraud division said they have never seen such a mess, I went through the notes with Fraud protection and I was informed that I have never been told the same thing twice and they are unsure of the intensions of Ally Bank. Ally Bank is stealing my money.
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| 09/18/2018 |
Yes |
- Debt collection
- Auto debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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On or about XX/XX/XXXX I purchased a vehicle from XXXX XXXX XXXX for {$10000.00}, financed through Ally Financial. A XXXX XXXX XXXX, XXXX : XXXX. The vehicle was repossessed on or about XX/XX/XXXX.
A dispute letter has been mailed to Ally and XXXX XXXX disputing the full amount of {$10000.00} for vehicle that Ally is requesting me to pay. Because the vehicle has been sold, I should not owe the full amount. Allys account number XXXX.
In addition, after the vehicle was repossessed, I did not receive any notices, and after the vehicle was sold I did not receive anything showing what the vehicle sold for : below is what I should have received from the financer, but I did not receive anything.
1 ) Notices should have states that they have the car in their possession and that the car will be sold to recover the amount owed ( this is called the Notice of Sale, which I did not receive. ) This notice should have been sent to me within ten days of their possession of the vehicle. Since they did not provide me with this information they can be barred from collecting on a deficiency judgment.
2 ) After the vehicle was sold the lender then is required to send me a second notice, stating the amount that they credited me from the resale, as well as a cancellation notice of the original sales contract.
Additionally, there were GAP Insurance and service contract on the vehicle into the original purchase, these amounts should have been deducted from the amount that the Ally states I own.
Additionally, there were GAP Insurance and service contract on the vehicle into the original purchase, these amounts should have been deducted from the amount that the Ally states I own.
When a finance company finances a vehicle then repossess it, they can not collect all of the money on the vehicle what it was initially sold for. Once the vehicle is sold, the finance company must provide proof the vehicle was in their repossessed and proof the vehicle was sold and how much the vehicle was sold for minus the initially sell of the vehicle.
It is unfair to collect all the money of a sold vehicle and then ruin a person 's credit for seven-years from a vehicle that is sold.
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| 11/12/2015 |
Yes |
- Bank account or service
- Checking account
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- Making/receiving payments, sending money
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Web |
Older American |
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On XXXX/XXXX/15, I initated an on line bill payment with Ally Bank for {$260.00} to XXXX XXXX , XXXX ( XXXX ) to an address in XXXX, XXXX. On XX/XX/XXXX, I was advised by XXXX that my payment had not been received. Upon further investigation, it was found that my payment was directed to XXXX XXXX , XXXX ( XXXX ) in XXXX, XXXX. These are XXXX different companies. After multiple telephone conversations with Ally, they advised me that they have done all they could and as far as they were concerned the payment was made correctly. I even had a conference call with Ally, XXXX and myself where the employee for XXXX advised the Ally employee that my account had not been credited and they paid the wrong company, XXXX.
Ally Bank uses a 3rd party to process their on line bill payments. Effective XXXX/XXXX/15, Ally replaced the 3rd party processor that mishandled my payment with a different company. The supervisor insisted that XXXX must have supplied the 3rd party processor with the wrong routing and transit number. Seriously? That 's their story? They also insist that they are unable to retrieve the payment from XXXX. Had this been a debit or credit card, I would have been able to dispute the transaction, provisionsal credit would have been issued and Ally could initiate a recall of the ACH transaction.
In brief, for an online bill pay I supply Ally Bank with recipient, address, account number and amount? I, the consumer, do not supply the routing and transit number. For their story to be believed, one has to accept the fact that someone at XXXX XXXX XXXX supplied the terminated 3rd party processor with the wrong routing and transit number. I would tend to believe the more likely scenario is someone at the terminated 3rd party provider bill pay service either looked up the wrong company, or input something incorrectly.
Regardless, I have advised them that my directed payee did not receive payment and they are responsible for it 's completion. I provided correct information. I made no errors. Ally Bank is in clear violation of UCC 4A 301-305 for its ( or its contracted and terminated 3rd party provider ) actions. I have lost {$260.00} due to their errors.
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| 02/13/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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received a letter from Ally Bank on XX/XX/2022 stating i have to make a deposit into the account or it will be closed due to a negative balance of XXXX XXXX The letter stated that I have 10 business days from the date of the letter or my account would be restricted. I set my tax refund from the CA franchise tax board to go into my Ally Bank account. The CA XXXX sent a direct deposit of XXXX $ to my Ally Bank account on XX/XX/XXXX. I contacted Ally bank on the same day to verify that my account would not be restricted so as to not reject the direct deposit. I was assured that my account is fine and it would not reject any deposit that is arriving. I was told it usually takes 3 business days for the account to see a direct deposit and that since the XXXX was a Saturday I should wait for the XXXX business days to pass. on Monday thXXXX XXXX I went on my Ally bank app to see if maybe deposit came early. To my surprise, I saw that my account had been closed. I frantically start contacting the customer service, asking why would they do that to me? i told them a deposit was coming, and it was sent within the time. the first person I talked to assured me that the account was fine and when the deposit comes in they will either reopen it or they will take the amount I owe out of the deposit and send me the remainder of the amount by check. Then I received a notice on the XXXX saying that my account had been closed. The notice also said that the account would still be able to receive deposits in order to cover the negative balance and the remainder would be sent to me in a check. this has caused me soo many problems. i just want to know why they wouldnt tell me " hey your account is going to close tomorrow, the deposit will not go through| '' I was literally told your account is fine. Why couldnt Ally bank just do what they said they will do? Then they send me a letter in the 2nd saying we have removed the restrictions from your account you can now use it again but the notice wasnt true. What kind of bank sends a notice and its not even true. instead of receiving the deposit and sending me the remainder after taking out the negative. They REJECTED the deposit.
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| 12/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction. Your Company did not even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement.
According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.
Since adequate notice was not given as per the above-mentioned section, I could not understand its meaning which is a violation under 15 USC 1602 ( k ).
Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors and unfair credit card practices.
From your end, I have not benefited from this transaction which is again a violation of 15 USC 1602 ( p ).
According to 15 USC 1602 ( p ), the term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from which the cardholder receives no benefit.
I hereby request you to do the below-mentioned thing.
DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you accept my request , I will not escalate this matter to Federal Court, in case, you do not accept the above request a legal action may be taken against your company for compensatory damages.
Thank you for your attention to this matter.
Sincerely, XXXX : XXXX.
All Rights reserved without prejudiced
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| 09/23/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
Older American |
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I purchased a new vehicle initially financed through XXXX XXXX! At the time of purchase I told the new car salesperson at XXXX XXXX in XXXX XXXX Michigan I had autmobile insurance with the XXXX XXXX XXXX XXXX who I have been insured with since XX/XX/XXXX. This transaction was in XX/XX/XXXX. The salesman, instead of calling XXXX to transfer insurance from the vehicle I XXXX in, apparently had a friend --??
who would give him " Proofs of Insurance '' so the dealership could issue license plates and register the vehicle. This friend fraudulently purchased insurance-which I never applied for -- with an insurance company called XXXX who remained on my Credit History and effected what I had to pay at the time I traded in the car I owned, bought at XXXX XXXX, initially financed through XXXX XXXX, and transferred without my consent to Ally Financial. When I traded in the vehicle I purchased resulting in an Ally Financial Account there was some comprehensive damage sustained when someone hit my vehicle while I was shopping at XXXX XXXX XXXX in XXXX, MI. I notified my automobile insurance company, XXXX, of the loss. When I traded in the vehicle, XXXX told me they paid off all monies owed to Ally as part of their payment of the comprehensive damage claim. I was told by Ally today they sold my vehicle at auction for $ XXXX- WHICH I WAS NEVER NOTIFIED OF THE ALLEGED SALE- I TRADED THE VEHICLE IN AND THOUGHT XXXX a/k/a XXXX XXXX XXXX XXXX XXXX XXXX , paid off any monies owed to Ally when I traded the vehicle in and purchased a new vehicle. Ally should not be reporting me as having a vehicle loan that was charged off. Firstly the initial sale was fraudulent, XXXX knew and when Ally assumed the loan from XXXX they should have known. Next I thought the Ally loan was paid off by XXXX when I traded the vehicle in to purchase a new car. I called XXXX today because I applied for credit and was denied because of the Ally loan adversely reporting. This reporting is wrong because the initial loan was fraudulent, and the balance was timely paid in full by XXXX. Please have Ally remove the adverse reporting to the three Credit Reporitng Bureaus-XXXX ; XXXX, and XXXX.
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| 10/16/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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Ally Auto Finance has billed me for {$120.00} as an outstanding debt and reported it to the credit bureaus as default debt. This has driven down my credit report over 24 points and I am recovering from bankruptcy after my wife had XXXX & we could not afford the medical bills. Ally Auto is really horrible about updating their records. For instance, I had a closed file on a leased car, my 6th leased car from Ally, and the account was closed in good standing. They had the account listed on my credit report as open and somehow written off under bankruptcy. That issue of false reporting was solved after no less than 4 letters to Ally and email communications -- which also drove down my credit report. And for the record. I am a very good customer of Ally, leasing 7 cars in the last 11 years with them and no payment has ever gone over 30 days late.
The current issue is that I got this call from Ally Asset Recovery and the automated service says I owe {$120.00}. The initial voice mail was from XXXX at XXXX XXXX XXXX ext XXXX. I called her back last week on my 1/2 hour lunch break, got her directly, and she told me it was an outstanding tax bill for account XXXX XXXX XXXX a XXXX XXXX XXXX XXXX XXXX. But. This minivan was traded in at XXXX XXXX in XX/XX/XXXX and the only way a van gets traded in -- is if all the PPT is paid-which it was.
XXXX then tells me I have to talk to car leasing and transfers me to a CSR from XXXX -- I then have to verify all my info again, only to be told I have to call Ally Asset Recovery.
I then called back and got ahold of a supervisor and left a detailed vm and I believe this person was XXXX and this person was also described as XXXX 's supervisor. He also has not called me back.
This is fraud and Ally Auto Financing is driving my credit into the dirt with their actions and leaving me no recourse but to complain to the CFPB. I am begging for your help. I am supporting my whole family at this point on 1 paycheck. My wife is still recovering from XXXX and these people are literally ruining my chance at financial recovery -- for a bill that should not even be mine to begin with.
Wa XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX.
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| 04/01/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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In XX/XX/XXXX there was a late payment reported to the credit bureau by ALLY Financial. They reported that the loan was past 30 days late yet I had not received a phone call to notify me that the loan was late. The mobile app is the only way I am able to review my account and make payments. Upon reviewing my account through the app on XX/XX/XXXX it stated the regular payment of {$290.00} was due on XX/XX/XXXX for our first auto loan account as well as {$590.00} due on XX/XX/XXXX on the other auto loan account. The payments for both accounts were made on XX/XX/XXXX ( we have a 10 day grace period for all payments ). After seeing this reported on my credit report I called Ally to correct this problem as I made the payment on time according to the mobile app. They stated they were unsure why the app listed a payment date in XXXX since the payment was actually due in XXXX yet the amount due was only that of a regular payment and did not say there was a past due amount as it should if the payment has lapsed. The same statement appeared on the account in XXXX, telling me the payments were not due until XX/XX/XXXX. Those payments were still made on time. I have screenshots of the app and the incorrect payment due date and have offered to email them to Ally so they can correct this. The representative had stated they can not accept a screenshot of the app. A call was made in XXXX to report this issue and a report was filed with their credit department. I was told they would call me within 30-45 days to update on the issue. I never received a call. I called again in XXXX since the time had lapsed for the report to be reviewed and again they said they would file a report with " high urgency '' and I would be contacted after the case was reviewed again. Still I did not receive a call. My husband XXXX XXXX who is also on the account called on XX/XX/XXXX to see if he could speak with someone regarding the issue. They stated they never received a call from myself and they were unable to locate the 2 previous reports. He requested to file an additional report with " high urgency '' and that has been processed. We have not heard back from any representative yet.
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| 01/12/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
Servicemember |
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I purchased a vehicle in XX/XX/XXXX. The finance company was Ally Financial account #. This was for a XXXX XXXX XXXX XXXX vin #. My payments were made in a timely fashion and on time. In XX/XX/XXXX, I even made a separate additional payment for {$120.00}. At that time, I was just wanting to get ahead. Later in the month, my wife and I came to the realization that the intended purpose we purchased the truck for was just not in the cards for us. So, on XX/XX/XXXX we decided to trade it in at a dealership. The dealership agreed to the payoff amount quoted to them by Ally Financial when they called to obtain the 10 day payoff. We finished the deal, and drove away with a different vehicle from that dealership. I assumed that all was good and taken care of. Then, to my surprise, I was alerted by XXXX XXXX that there was a change to my credit report due to a derogatory remark. I immediately checked to see what was going on. I then seen that Ally marked me late on my credit report for the month of XX/XX/XXXX. I contacted the dealership and they said that payment was overnighted on XX/XX/XXXX. They gave me paperwork showing that the check they sent to Ally Financial cleared their accounts on Wednesday, XX/XX/XXXX. The due date for this loan was on Friday, XX/XX/XXXX ( 3 days business days later, the check was cleared from the dealerships bank ). I called Ally and ask them why they marked me late. They said that upon receiving payoff, the payment has to go through several departments for titling to be issued. I said, well then, the late was on their end with the paper shuffle issue, not that it was n't paid in time. The representative told me that yes, it could take up to 14 days to process payoff.
Now that the vehicle is paid in full, they refuse to remove the late mark on my credit file. I do n't feel that this is fair or just. I 've done everything I was supposed to do on my end. They received payoff in a timely fashion but do to their processing procedures, it was n't credited to my account until after the due date. I would appreciate this being looked into further and for this negative remark to be removed from my credit report. Can you please help.
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| 08/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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In early XX/XX/2021 I sold my lease car to a dealership I completed all the paperwork. The dealership reached out to Ally to obtain payoff amount and remitted payment. A payment in the amount of {$24000.00} was applied to the account around XX/XX/XXXX. That appeared to satisfy the balance and close the account out. Unbeknownst to me or the dealership, Ally move those funds, or reallocated those funds and debited the balance amount back to the account. No one from Ally contacted either myself or the dealership about the adjustment. A few weeks later I received an email from Ally requesting payment. I pulled up my account online and saw where the funds had been reallocated. I contacted Ally and they informed me the balance received with not the full amount needed to satisfy the loan. There had been some sort of miscalculation. I asked if they had contacted the dealership and they responded no. I asked why someone didn't contact me and I was advised that they do not have the manpower to contact either the dealership or customers and instead wait to hear from the dealer or the customer. I told them this was a poor business practice and customer experience. I advised them I would contact the dealer but that this issue should not report negatively on my credit bureaus as a missed payment as I've done everything I was instructed to do and then I was informed that they had checks and balances in place to avoid that, but in the off chance that it does it will be corrected. Consequently the dealership remitted another {$600.00} which appeared to satisfy the amount due and the balance was paid in full. I again called Ally to confirm payment and brought up the concerns about incorrect, negative reporting and was again assured it would be corrected. Several weeks later I received a letter regarding regulation XXXX, I knew something must have been reported to my credit bureaus. I checked both XXXX and XXXX and sure enough a delinquency was reported for the month of XX/XX/2021. I need this correction to be made immediately as I was assured this would not occur. I am in the process of refinancing my home and this has created an issue. Poor customer service.
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| 06/21/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
Servicemember |
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On or about XX/XX/XXXX I went to XXXX XXXX to check out a XXXX XXXX XXXX that was advertised on XXXX for {$7700.00}. The car had only about 40k miles on it. Since I started to work in the XXXX XXXX XXXX and my current car had XXXX miles, I figured I can make the payment at that price with just my XXXX XXXX business. I started working as an XXXXXXXX XXXX as of XX/XX/XXXX because I was let go from my previous employer. I explained to the salesman at XXXX XXXX that I did not have a fixed job because but was doing XXXX XXXX. The salesman said that it was ok they can use your previous employer information, they ( assuming Ally financial ) never check, and these loans are always sold as a package deals along with other auto loans. I also said that I had XXXX I can put down from a XXXX XXXXXXXX credit card. At first the dealership wanted XXXX down of which I did not have. The salesman said that's the only way they could finance the deal. So I shook his hand and went on my way. This was a Sunday XX/XX/XXXX.
The very next day Monday XX/XX/XXXX, the dealership salesman calls me and tells me that they can now do the deal with XXXX down.
I was sceptic because I didn't have a full time job and I was barely making ends meet. I moved out of my home and rented it in XXXX. I figured I could make the monthly car payment because I could work more as an XXXX XXXX.
The deals that XXXX XXXX made with Ally Financial is astonishing. They didn't verifying any information, only what had come up on my credit report.
The dealership also fraudulently raised the advertised price from {$7700.00} to {$10000.00} knowing. I am speculating that the price had to be over 10k in order for the Ally to finance. I made a complaint to the Arizona Attorney General whom is still investigating this matter. It has been since XX/XX/XXXX that I submitted the complaint, but the dealership is failing to respond.
This car should have never been sold to me because I didn't have the means to pay it at the time. But car dealships and finance companies are the biggest scammers of all.
I would be in a better financial place, of I had not bought this car at the time I could not afford it.
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| 03/18/2017 |
Yes |
- Bank account or service
- Other bank product/service
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- Making/receiving payments, sending money
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Web |
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After conducting further research, in an effort to find out why ally bank/auto has been so adamant in trying to refute my Promissory Note, that is obviously, and clearly legal tender with paying off a debt with banks ; I discovered that fraud and a breach of agreement was committed by ally bank. After our contract was assigned to ally bank, through XXXX ; ally bank opened up a transaction account ( s ) in I and my wife 's name, from a Promissory Note that we signed, that became an asset for them, that they monetized, for creating the funds, for what they call a loan, that was really an exchange. Ally used our Promissory Note in exchange for our transaction account ( s ) as legal tender, and yet they say that it is not recognized and accepted by them as monetary tender, what kind of sense does that make! Ally bank opened up a transaction account in our name, without our permission, and we did n't receive a receipt for the deposit that was made from the Promissory Note! Ally bank violated the banking law GAAP! If Ally Bank tries to refute this, then I will demand full disclosure of ally 's Book Keeping Entries per the GAAP, that proves everything I said to be true! Also in the GAAP agreement, it states that the borrowers can repay the debt using another IOU-Promissory Note payable in the same specie of money, money equivalent or credit or funds or capital that the bank or financial institution used per GAAP to fund the loan, thus ending all interest and liens. How is it that ally bank dont ' understand the banking laws they are suppose to abide by!? The other proof to what I 'm saying is mentioned in the Federal Reserve Publication, page 3, it confirms that banks do n't give loans and that the Promissory Notes are to be deposited into a transaction account as an exchange. Last but not least, ally bank only gave me back one of the Promissory Notes I sent them, and even if they would have sent me back both of them ; they still could have made a copy and deposited them. The only way to tell is what the Bank Book Keeping Entries show, if I have to go that far ; all I want, is what is rightfully ours, the Title to our truck, showing paid in full.
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| 05/22/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account information incorrect
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Web |
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I have contacted Ally Financial multiple times about my timely payments that have not been reported since XXXX of XXXX. Additionally, my vehicle was involved in an auto accident where the other individual left the scene and the car was totaled. As a result, my insurer, XXXX, paid roughly {$16000.00} towards my car loan. That balance has not been reported either and it has been about 2 months since XXXX paid Ally Financial. I am upset because Ally Financial prioritizes reporting payments if late, but when payments are made on time, the same priority is not carried over. Therefore, the information they are reporting is not representative of my payment history and thus unfair and in violation of the Fair Credit Reporting Act. I have contacted Ally Financial about three times ; the first individual explained that it was a technical issue that was being worked on, the second individual gave me a case number ( XXXX ), and the third individual could not even comprehend my issue and gave me responses that did not make sense. Additionally the third individual I spoke to on XX/XX/XXXX said another representative from the company would be calling me back in a few days to discuss my issue ... it is now XX/XX/XXXX and I have not received a call concerning the issue. I am escalating this primarily because it impacts my credit worthiness and I need to replace my car as well as go for other credit. Hence, the $ 19,000+ that is currently shown by the credit bureaus could have an adverse effect on any lending considerations. Ally Financial has blatantly failed to show concern for my issue and has amplified that with their inaction. They prioritize calling me everyday to make sure my final {$300.00} dollar payment is made, but provide zero mention of my issue with the company. Once again, if it was a late payment, Ally Financial would waste absolutely no time updating the credit bureaus with the most current data. Therefore, if the Ally Financial is going to report late payments, Ally Financial is also obligated to report timely payments ... or not report at all. The fact that it has been almost 6 months without a single report is absolutely unacceptable.
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| 05/02/2018 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Unable to open an account
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Web |
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I went through the process of opening an interest checking account with Ally Bank ( online ). Upon completing the application per their instructions I submitted my application # XXXX as well as mom 's # XXXX and was told I would hear from the bank in the next 3-5 days. I received a call from a banking representative XX/XX/2018 informing me that I had to unfreeze my credit with XXXX XXXX to run a credit check for me to be considered for a checking/savings account as per the " Patriot Act ''. I informed the bank that my credit was frozen for identity theft reasons and it would not be unfrozen. My issues are as follows 1 ) My personal and identifying information was given over to Ally Bank in good faith for the bank to maintain a fiduciary duty and that the bank nowhere throught the application process mentioned a credit check was necessary. 2 ) That a refusal to authorize a credit check is not a valid reason to deny someone a checking/savings account. 3 ) A fiduciary may not lie to its customer citing the " Patriot Act '' as the reason mandating a credit check. 4 ) A second representative ( XXXX ) also lied saying that the disclosure for the credit check was right on the online application which it is not. As a result I am left with providing personal information to a lending institution that did not have the right to deny a customer a checking/savings account for refusing a credit check. Based on the misleading statements about credit checks and what is on their online application as proper identification I do not wish to be an Ally customer but also wish for senior management to protect such personal information from any and all employees to prevent nefarious misuse thereof. I will not be part of an institution that goes outside of the regulations for reasons to deny a customer a checking/savings account. There needs to be upfront declarations for the need of a credit check in the initial stages of their online application process. I will now and forever feel compromised by Ally bank in regards to my personal information and was delt with in a dishonest manner in regards to the regulations as read to me by a representative of the CFPB.
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| 04/10/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/XXXX I opened an Ally bank account, one of there HYSA account just one. I did this because I had a large amount of money in my XXXX XXXX account received from a selling my personal home. It was more than the FDIC protection so I felt it was best to transfer the excess to another bank. I called ally prior to the XXXX and spoke to an rep about my situation and they told me how to open an account. After, I opened the account I initially transferred small amounts to Ally to make sure there would not be any issues, but eventually I ended up transferring over XXXX. I had been with my other banks XXXX XXXX for over 15 years without any issues and I've transferred funds without any issues in the past. So I wasn't expecting any issues here. Anyways today XX/XX/XXXX I get an email from Ally stating that my bank pin had been changed. I assume they meant my bank password but the email said bank pin and that they cancelled access to my account. I still had two pending transactions into the account from other personal banks. I called into Ally to find out what is going on. I spoke to the first representative who said that my account is still in tact and she doesn't see any fraudulent activities. Then she transferred me to another account representative in fraud department. This particular representative went through a series of verifications and then she let me know that my account is " under review ''. I asked her about fraudulent access, she says there was not any fraudulent activity. Then I asked why was I sent a email saying a pin was changed she said she's not sure. She thinks it was just sent to me to prompt me to call in but she doesn't see any changes. She said she will submit the information she collected from me to the review team and I should wait to hear back. In the meantime I'm not able to access such a large sum of money. I've only been with this bank for 2 months and I've immediately experienced something that in 10-15 years in banking with XXXX or XXXX I've never experienced. I became even more nervous when I read about other customer experiencing the same thing. I'm extremely worried about my funds and need more clarity.
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| 02/25/2019 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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In XX/XX/XXXX our company finished up a lease with a company truck. At this time we were sent an invoice that had some erroneous charges on it. On XX/XX/XXXX our company sent a check for {$840.00} and very clear terms as to what this payment was for and how it was paying off the remaining debt on the auto loan as we did not agree with some of the charges for alleged damages that Ally tried to charge us for. In this letter with the check we also very clearly stated this payment should be considered full settlement for this loan and cashing the check would be considered acceptance of these terms. By XX/XX/XXXX Ally had cashed this check and sent us additional invoices for what they considered an unpaid amount. We had clearly disputed this amount in our previous letter as well as numerous calls back and forth between our company and Ally. By XX/XX/XXXX they sent us a notice that they were going to report negative information to the credit agencies and proceeded to do so, at this time they also sold the debt to a third party debt collector. At this point every attempt to contact Ally about the account in question was met by them immediately transferring our calls to the third party debt collectors. Ally has since sent this to 3 different debt collectors including XXXX XXXX and most recently XXXX XXXX XXXX. After speaking with these debt collection agencies and sending them all of the correspondence including the attached paperwork below they refuse to pursue the debt and send it back to Ally.
As you can see from the attachment below a check with was sent with clear terms outlined that it was for full satisfaction and accord, or as provided by UCC 3-311 the claimant sent a conspicuous statement to the person against whom the claim is asserted that communications concerning disputed debts, including an instrument tendered as full satisfaction of a debt, are to be sent to a designated person, office, or place.
You can then see Ally clearly cashed this check and credited our account with the corresponding amount. From here there has been a never ending flow of calls/paperwork as they pursue this debt and refuse to deal with us directly.
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| 11/06/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I deposited a check from the U.S. Treasury into my checking account with Ally Bank, as a result, they froze my accounts, denying me access to funds and paychecks that were already in the account and will not release the account or give me access to my account for XXXX weeks ( 10 business days ). I understand by law, any deposits XXXX and over must be investigated, but this is something else. I called and was transferred to their fraud department, and was told by their staff that they needed to call and verify the check before it could be released. I told them that I understand holding the check until it was verified, but that I needed access to my checking account as it also has my paycheck and other funds that I need in order to pay bills, buy food, gas, etc... basically money to live on. I was told that it was their policy to freeze the entire account and could not just put a hold on the check and give me access to my account, as there is no way to separate the two, which of course makes no sense as other banks are able to do so. It also makes no sense that it takes them 2 weeks ( 10 business days ) to verify a check. I have called back several times to get a status update, the Ally employees responses are vague, rude and not helpful. I even asked if they would email me or call me once the funds and my checking account are released, both times I was told no, that I would have to call back. So here I am, the check I deposited and my bank accounts are frozen for 2 weeks ( 10 business days ), I can not access any of my money to pay bills, and good customer service, a simple courtesy call is being denied to me, all because I deposited a larger than usual check. Typically, most banks will release a small portion of the deposit until the check is verified, which normally only takes a few days. Why and how is it legal for Ally to completely freeze entire bank accounts and funds not related to the deposit, as well as the deposited check in question, for 2 weeks ( 10 days )? No concern or care is given by Ally to the fact that any customer who makes such a deposit will not be able to pay bills and access un-related funds necessary to live.
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| 03/18/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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I currently have an auto loan with Ally Auto Finance, a subsidiary of Ally Bank that I am trying to refinance, I had the refinance bank send a check over to an address that an agent at this Ally Auto provided and requested the check be mailed to. The check was received and signed for by an agent of the bank on XX/XX/2019 ( XXXX tracking # XXXX ). After a few days and increasing concern, I checked-in on the status because the amount had not reflected, after spending minutes over the phone, I discovered the check was just sitting there, no one had bothered to send it to the processing center. Ally Auto claimed it was the wrong address and would send the check over to the right address. They asked for XXXX days for the check to reflect, however, today is XX/XX/2019, and the bank has reverted to its old position of claiming they can not find the check ( {$17.00}, XXXX ), " give it a few more days ''.
The bank has a call center located in the XXXX and it is extremely hard for them to comprehend simple requests that are made of them. The agents in the XXXX do not have access to much information and can not solve real issues.
I had to refinance my car in order to get my mortgage loan approved, else, I start paying fines/fees come Wednesday XX/XX/2019. I stand to lose $ XXXX in downpayment money and applicable fines if I do not go to settlement by the agreed upon date.
An alternate solution will be to have the refinancing company send another check to them and cancel out this one. However, that will take more days I do not have and can not afford. I have had to pay the full amount owed on the vehicle out of pocket. Ally Auto Finance misplaced the refinance check. They practice an inefficient system of receiving checks at one state then forwarding it to a different state for processing. There are two problems with that. The first is that it takes several days to move from point A to point B once they have received the check at point A. The second problem is that they don't track the checks from point A to B. As a result they were unable to tell me where the check was for 10 days and I ended up having to pay over {$16000.00} out of pocket.
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| 10/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Repossession
- Damage caused or loss of personal items in vehicle during the actual repossession
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Web |
Older American, Servicemember |
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I thought I had purchased a XXXX XXXX XXXX on XX/XX/XXXX from XXXX XXXX XXXX in XXXX, MD. which Ally Financial chose to finance to me, XXXX XXXX XXXX. I never made a payment on this vehicle because it was financed at 11.1 % interest rate. Then I discovered the vehicle 's lien and MVA Tags were never transferred into my name along with an expired registration. I contacted Ally Financial on XX/XX/XXXX @ XXXX, on XX/XX/XXXX @ XXXX, on XX/XX/XXXX @ XXXX asking to speak to a manager about this vehicle not being in my name and even the MVA said they considered the vehicle & tags stolen and on top of it the temporary registration had expired on XX/XX/XXXX. I had filed a complaint against the above named dealer with the MVA here in Maryland. My MVA Investigator is XXXX XXXX who can not share his findings with the dealership with me-only the MVA. Last Thursday @ approximately XXXX XXXX a man was on my property with a flashlight my wife thought he was a thief trying to steal the XXXX. When our XXXX light came on -he took off and jumped into a pick-up parked next door. The tow truck owner came by about XXXXXXXX XXXX and this was his statement to me : You better keep your XXXX parked behind the XXXX or I'll pull it out of you driveway. I explained to him the vehicle was on private property and the car dealership had pushed the title through the MVA 114 days after the XX/XX/XXXX date which put the XXXX in my name and he would be stealing the vehicle. On Saturday around I ran an errand @ XXXXXXXX XXXX and this tow truck driver hired by Ally Financial pulled the vehicle out of my driveway with the emergency brake on and has destroyed my asphalt driveway and concrete entrance to it. I want Ally Financial to reimburse for the XXXX Vehicle for {$63000.00} and the full cost to have my entire driveway replaced [ no patch job will fix it ] and the tow truck company and accomplices be held legally for coming onto private property and stealing the vehicle and destroying my entire driveway. I e-mailed Ally Financial on Saturday about this entire situation and like all the other times I've contacted them-NO RESPONSE!! I now need the CFPB to get involved.
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| 10/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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Web |
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First off, let me say that Ally has been very accommodating in not taking any action against me while I've tried to work things out with them.
The reason for the complaint is because Ally is not yet participating in the HAF program in Hawaii, and while it is voluntary on their part, there is no downside to their participation. The Treasury Departments Homeowner 's section regarding the HAF program provided a link to complain if you've been awarded a HAF Grant but your lender is not participating.
Many months ago I was approved for a HAF grant in Hawaii, but as noted Ally ( and their servicer Ally/XXXX ) are still not participating in the HAF program in Hawaii. Fortunately, they have not turned down participating, but it would help me immensely personally, and I am sure it would help many others if they could make the decision to now participate.
In speaking with their ( very friendly ) customer service representatives, I can tell you that there has been confusion on how the HAF program works in Hawaii. I've wondered if this may be part of the reason for the delay.
They've told me things like the grant would have to be repaid ( which is not the case in Hawaii ), that Hawaii would put a lien on my property ( again, not the case ) and they said that I could not be in a Loss Mitigation process and also utilize a HAF grant ( which, from my reading of the HAF term sheet for Hawaii is the opposite of how the program is supposed to work ).
At this point, I went through a Loss Mitigation process with Ally and was ultimately turned down ( after months and months of submitting and resubmitting the same documentation ).
I am looking to refinance my home through a private lender. While not ideal, especially under the current interest rates, it may be my best option for addressing my arrears. If Ally were to participate in the HAF program now, I could reduce my principal and make the amount I borrow less costly to me.
Since HAF is a voluntary process, issuing a complaint seems out of place, but I am following the process offered and perhaps this is all just due to a mistake of not understanding how the program works in my state.
|
| 06/08/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
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Web |
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My husband and I were under a Chapter XXXX BK when we were dismissed from the bankruptcy. On XX/XX/XXXX I spoke with XXXX from Ally Financial BK Center and was informed we were {$4300.00} past due on the car loan. We set up a payment plan were we had to put 1/2 down then 6 months of payments where we would pay our normal payment of {$450.00} plus the remaining balance split into 6 months for a total of {$720.00} a month from XXXX XXXX. XXXX XXXX we would go back to our normal payment of XXXX and we would be current. OnXX/XX/XXXX we paid to Ally Financial {$2100.00} to start the installment. we would be due on the XXXX of each month after. OnXX/XX/XXXX we paid our first installment of {$720.00} XXXX fee with XXXX confirmation number XXXX. On XX/XX/XXXX we paid $ XXXX XXXX fee with XXXX confirmation number XXXX. OnXX/XX/XXXX I called Ally Financial @ XXXX XXXX EST and spoke with XXXX and asked If I could push my payment back 1 week on the XXXX, she said that would be fine and she would make a note. OnXX/XX/XXXX I paid $ XXXX confirmation number XXXX spoke with XXXX. I asked XXXX if we were good and my monthly payments are still in tacked, she said yes. OnXX/XX/XXXX I received a call from XXXX from Ally Financial collection stating I was 100 days past due and my vehicle was out for repossession? I explained all the payments that were set up and with who, dates, confirmation numbers. XXXX came back to the phone and said her manager said because we were dismissed from the case our car was out for repossession. I repeated the the information I was given again to her. She put her manager XXXX on the phone and I explained the whole situation over again. XXXX told me I made in breach in contract due to making my XXXX payment on the XXXX. I explained to her that not one person told me that. Not XXXX on the XXXX when I spoke to her and not XXXX on the XXXX of XXXX when I made my payment. She proceeded to tell me that my car was out for repossession. I also had to make a dispute on our credit reports as Ally Financial did not report the down payment we made against the balance owed, and did not report the payments that we had been making.
|
| 06/20/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
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Web |
Older American |
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I began a lease with Ally Bank in XXXX XXXX on a XXXX XXXX XXXX. I was instructed that I could turn the car in to any XXXX Dealer. On XXXX/XXXX/XXXX, I turned the car in to XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX, XXXX, CA XXXX.The car was accepted by XXXX XXXX and I was given an Ally Smartlease Odometer Statement. For a long time, I did not receive anything from Ally recognizing the turn in of the vehicle. I contacted them in XXXX XXXX and Ally said they did not receive any info from XXXX nor receive the car. I then contacted General Manager XXXX XXXX at XXXX asking what happened to the car and the reporting to Ally. He could not find any paperwork on Ally picking up the car. So, XXXX filed a Stolen Vehicle report on XXXX/XXXX/XXXX with the Dept of CA Highway Patrol. Meanwhile, Ally keeps dinging my credit rating. After many calls and providing the Odometer statement again to Ally, I was able to finally receive a payoff amount of {$710.00} from an Ally employee name XXXX. I immediately paid the amount. Then I received a letter dated XXXX/XXXX/XXXX from Ally stating that there was an amount due of {$76.00} and that it was also a Notice of Intent to Report Negative Information. So, I contacted Ally immediately, and provided the Odometer Statement and Vehicle Report to XXXX in Cust. Svc.. Yet, Ally again dinged my credit rating on XXXX/XXXX/XXXX. After many calls, Ally said everything was cleared up and I received a check dated XXXX/XXXX/XXXX for {$1600.00} for Refund of Payments after vehicle turn in. Then I received another letter dated XXXX/XXXX/XXXX from Ally stating that my account was referred to their Asset Recovery Center and that I owed {$20000.00}. And I was again dinged on my credit rating by Ally on XXXX/XXXX/XXXX. After making several calls, I was told Ally needed to do an investigation and I was asked to again send them the Odometer Statement and Vehicle Report. I faxed the info to them and included a copy of the remittance check stub I had received. Still no resolution and Ally again dinged my credit rating on XXXX/XXXX/XXXX. I ca n't keep having my credit rating go down and I am not responsible for the {$20000.00}.
|
| 10/24/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
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Web |
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I purchased a vehicle on XX/XX/XXXX from XXXX XXXX XXXX XXXX in XXXX XXXX CA.
On XX/XX/XXXX I emailed the dealership requesting cancellation of 3 service contracts that they added on.
On XX/XX/XXXX I visited the dealership in person to cancel the 3 additional contract that they added onto my purchase. ( On one contract it said I had 30 days to cancel and get a full refund. After which I can cancel and get a prorated refund minus {$35.00} service fee. ) On the other 2 contracts I have 60 days to cancel and get a full refund.
The dealership made me wait 2 hours and then agreed to cancel 1 of the contracts but not the other 2. The contract they let me cancel was with a company named Ally.
I signed the paperwork to cancel the one contract that they said I could cancel.
As of XX/XX/XXXX I didn't see that anything had changed, So I emailed the dealership as well as the administrators of the contract -Ally and XXXX to cancel all 3 contracts.
Today XX/XX/XXXX. I contacted Ally and the contract was still in force. It appears the dealership did nothing with the paperwork I signed. Ally went ahead and cancelled the service contract with me over the phone.
I then contacted XXXX the administrator of the other 2 contracts. XXXX says that I can not cancel with them because they have never received the initial contracts from the dealer. So my dilemma is the dealer won't let me cancel the contracts that say on them that I can and the administrator company can't cancel them because the dealership is dragging there feet sending them in. Meanwhile I only have a few days left to receive a full refund on one contract and my refund continues to dwindle away on the other. The dealership has told me several times that I can not cancel the contracts because they were part of the deal. I had to buy them since they supposedly gave me a good deal. The paperwork says otherwise. That I can cancel, which is what I have been trying to do.
To further complicate things, the dealership switched the finance company on me. So I need to be careful that when I do get the refunds, they go to the correct finance company. Not the company on the paperwork.
|
| 11/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please investigate the unverifiable item/account/information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALLY FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 05/20/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
My wife totaled her vehicle on XX/XX/XXXX. XXXX paid out what their coverage provided and my GAP insurance through Ally ( XXXX XXXX XXXX ) did not make a payment in accordance with the coverage they provide. They informed me that they needed proof that no police report had been filed for them to payout the GAP insurance. XXXX did provide me with a letter on XX/XX/XXXX that there was no police report filed at that time. Ally ( XXXX XXXX XXXX ) told me that correspondence was not sufficient and they needed correspondence that there was NEVER a police report filed, not just that one was not filed at that time. We followed up with XXXX, XXXX sent my wife email correspondence on XX/XX/XXXX that no police report was filed nor will be filed regarding her claim. This email correspondence was sent to the Ally GAP Claim department for processing in XXXX. To date no correspondence has been sent from Ally Gap Claims to say that email was not sufficient. It was not until today after seeing the loan with Ally was still outstanding that my wife and I followed up. Ally ( XXXX XXXX XXXX ) informed us today that the email correspondence from XXXX that was sent to them in XXXX, would not be sufficient and that it would need to be on XXXX company letterhead. At this time I feel Ally ( XXXX XXXX XXXX ) is not being forthcoming with what they require to process the GAP claim and are withholding the funds to payoff the loan to the vehicle. I have reached out to XXXX to get the necessary correspondence on letterhead. Had Ally ( XXXX XXXX XXXX ) been clear with what they needed and what would not be sufficient, as well as contacted me in XXXX after they received my " insufficient '' correspondence this matter could have already been addressed. Instead I had to contact Ally, who tells me to contact my GAP provider, XXXX XXXX XXXX, a partner with Ally, to inquire about my GAP claim. XXXX XXXX XXXX then told me today about the correspondence that needed to be on XXXX letterhead and that the email was to be sent to XXXX email. It seems clear that Ally, who tells me to contact my GAP provider, is my GAP provider, as all of my emails go through XXXX email.
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| 08/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
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Web |
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You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.
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| 11/28/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Older American |
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On XX/XX/XXXX, I received a text message from Ally Bank stating that they believed that our checking account was receiving fraudulent charges and they had put a hold on our debit card/checking account. I then looked at the bank account and saw that there were many charges that I did not authorize, in fact there were around XXXX fraudulent charges made from XX/XX/XXXX and XX/XX/XXXX. Ally bank refunded all but XXXX fraudulent charges. The other fraudulent charges they claimed were fraudulent, but XXXX charges they said were not fraudulent. These XXXX charges that they refused to reimburse were made by a 3rd party merchant named " XXXX ''. Ally Bank has a policy that states they do not reimburse for 3rd party merchants. Ally Bank told me to fill out a form listing all charges including the dispute numbers, date, amount and merchant. I filled out the form and sent it in to Ally Bank for them to help with the recovery of the funds. This was on XX/XX/XXXX. They said it could take up to 90 days to get a response. On XX/XX/XXXX I received XXXX letters from Ally Bank in the USPS mail stating that " Our research indicates that the transaction was authorized and is correct. We've attempted to resolve the disputed transaction with the merchant on your behalf, but the merchant has not provided a reversal of the disputed transactions ''. This is not true, I never authorized those XXXX charges on my account. Below I will list the dispute numbers, date it took place and amount. We also have filed a police report with the XXXX, XXXX XXXX police department, and the Federal Trade Commission.
Dispute number, date, and amount XXXX, XX/XX/XXXX, {$200.00} - XXXX, XX/XX/XXXX, {$24.00} - XXXX, XX/XX/XXXX, {$20.00} - XXXX, XX/XX/XXXX, {$14.00} - XXXX, XX/XX/XXXX, {$52.00} - XXXX, XX/XX/XXXX, {$75.00} - XXXX, XX/XX/XXXX, {$42.00} - XXXX, XX/XX/XXXX, {$1.00} - XXXX, XX/XX/XXXX, {$230.00} - XXXX, XX/XX/XXXX, {$10.00} - XXXX, XX/XX/XXXX, {$20.00} - XXXX, XX/XX/XXXX, {$20.00} - XXXX, XX/XX/XXXX, {$50.00} - XXXX, XX/XX/XXXX {$50.00} - XXXX, XX/XX/XXXX, {$50.00} - XXXX, XX/XX/XXXX, {$10.00} - all these charges were made by " XXXX '' totaling {$880.00}
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| 08/24/2022 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
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Web |
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XX/XX/XXXX was my settlement date for {$2800.00}. Between XX/XX/2022 and XX/XX/XXXX I spoke with a representative of XXXX XXXX about extending the timeframe of my settlement date because I had not recieved my taxes. The representative stated that since there had been a lot of tax issues this year that it would be okay as long as I continued to make my monthly payments. I stated to the representative that I would up my monthly payments to {$200.00} a month instead of {$100.00}. The representative AGREED and stated that when my taxes deposit to give a call back ( these calls are recorded and I would like them listened to ). As you can see here in these documents I continued making my monthly payments until the month of XXXX. XX/XX/2022 I called to make my usual monthly payment and was told I my account was locked due to a new law that was put in placed. I was advised to call the week after to resume payment. I called multiple times until I got a XXXX XXXX who explained to me that Ally Financial had placed a hold on my payments because they were not satisfied with the settlement amount. She stated that none of this was my fault and that I would gain no extra interest charges and would still be able to continue the same monthly payments. She stated that she would contact me with further assistance once they had everything taken care of and that my balance was down to XXXX dollars. In XXXX, XXXX I recieved a call from XXXX XXXX XXXX, saying that I was deliquent on my payment since XX/XX/2022 and that I owed XXXX dollars. I stopped them and explained to them what had happened and told them that I have a settlement contract and they said thats something they cant uphold. I contacted Ally Financial and they stated how they took my debt and gave it to another creditor because they didnt like the settlement amount. When I asked to speak with a manager and be mailed the breakdown of what my car was sold for I was constantly transferred and hung up on.
Ally also stated that I did not comply with the terms of the settlement. When infact I was given the okay by XXXX for a date extension. ( Which is stated in a recorded phone call ).
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| 10/18/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
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Web |
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On XX/XX/19, received an email alert that there was a scheduled payment to XXXX for {$120.00}. XXXX was my old cable and internet provider when I lived in a prior state. I moved to a new state over two years ago. When I moved I cancelled the recurring monthly Bill Pay I had set up through my Ally Bank account. 2 years go by and I get an email alert ( on XX/XX/19 at XXXX MST ) that an automatic bill pay was scheduled for XXXX on XX/XX/19. I logged into my Ally Bank account and saw that a payment had posted for {$120.00} on XX/XX/19. I checked my email, and I never got a notification that there was a payment scheduled for XX/XX/19. There was only the email for the scheduled payment for XXXX. I called Ally Bank, and spoke to a representative. I informed the representative that there was a charge for {$120.00} to XXXX through their Bill Pay product that I did not schedule and did not authorize. The representative indicated that since I had at one time set up a recurring payment with XXXX that they considered the transaction an authorized one. I responded that it doesn't make sense that I would have cancelled a payment for 2-straight years if I didn't want it permanently cancelled. I further explained that XXXX doesn't offer service in my current state, and that my account with them has been cancelled for over two years. I also noted to the representative that there are several dormant accounts in my Bill Pay because neither the mobile app nor the online banking site allow me to delete those old accounts from Bill Pay. I would like to delete all these old accounts so that this kind of thing doesn't happen. The representative was argumentative with me and was initially indicating there wasn't anything they could do, and that I would need to take care of it on my end. It wasn't until I mentioned that they were in violation of Reg-E that they seemed willing to note this transaction was disputed. However, the representative did not seem to think this had much chance since they considered the transaction authorized, even though by all logic and reason it clearly was not. I did get a dispute number and am waiting to get a response.
|
| 07/11/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
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Web |
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In early XX/XX/XXXX my wife and I added our respective XXXXXXXX XXXX accounts for external transfers and manually verified ownership of both accounts through the small deposits that Ally sent. We don't use the XXXX accounts much so in order to avoid a monthly fee with them, we have {$2.00} automated ACH transfers scheduled every 2 weeks for each account. These have been successfully executed a dozen times. ON XX/XX/XXXX I received an email from Ally saying that my wife 's XXXX account could not be verified and was removed from our external bank transfer list. Again, ownership of this account was verified back in XXXX and Ally has sent transfers there many times. When I called Ally on XX/XX/XXXX, after a lengthy wait time as the rep contacted numerous departments to figure out what was going on, I was informed that the account was mistakenly removed as the result of a system error. The rep advised me to re-add the account. When I tried to do that, I got an error that the routing number was invalid ( it isn't ). The rep then tried to add the account for me and he got a different error. Consequently, he said that the account addition now had to be reviewed by " loss prevention. '' Later, I logged in and noticed that the XXXX account was now listed as " Denied '' as was my XXXX XXXX XXXX account for which I had been waiting for Ally to send small deposits for manual verification. This is the second time in the last couple years that I have had a major issue with Ally 's external transfers. The customer service reps are powerless to help and the department tasked with fixing it and calling me in " XXXX hours '' ( as they promise ) never call or fix the issue. I was not able to get it resolved last time until a CFPB complaint was filed. I have been with Ally for over a decade and it's ridiculous that this even happens at all, let alone the fact that the mere mention of having this reviewed by " loss prevention '' is an assault on my and my wife 's character. I just want this resolved and further, I want Ally to take steps to fix whatever issue it is that continues to cause problems with getting my own money out of the bank.
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| 05/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
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Ally Financial has responded to prior complaints that I have set forth with CFPB. Both complaints outlined the issue directly yet Ally failed to respond accurately and actually contradicted itself in both responses.
Ally account number XXXX is a corporate account for A company. The company was cosigned for by myself. The account never showed up on my personal credit recording until the company fell on hardships and ultimately went under due to a customer not paying the company roughly {$1.00} XXXX. Regardless of the circumstances on a personal level I caught up to reach a settlement with Ally on resolving the corporate failure to pay. As terms of that settlement Ally agreed to remove the trade line info from my personal credit history once payment agreed to was made. Allys terms were that payment must be made to them in certified check form for the amount agreed to an overnighted to them. They also requested we scan a copy of a check along with tracking numbers the day it was sent out, we did exactly what they asked for as part of the agreement. 30, days later we noticed not only was the account show as late payment even a month after they were paid but ALLY claimed to have no records of the payment. We needed to go to our bank and request proof Ally cashed the check. That transaction came back as cashed XXXX. Once we showed proof to ally they then agreed to update the status however have now stated they will not remove the tradeline meaning they didnt get the teems of our agreement with them on resolving an account held be a company year being paid for and resolved by a co signer.
Ally came back to CFPB In complaint XXXX stating payment wasnt paid even thought it showed it was paid a month earlier. They then gave a response to complaint number XXXX saying it was paid however still not keeping to the terms of our Mutual agreed to agreement in regards to removing the tradeline in full from the credit report.
I am asking the CFPB investigate into Ally for the fraudulent practices they commited in Deceiving me while I was under the impression they were acting in good faith while working out the settlement agreement.
|
| 10/30/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
Adverse action discrimination is against the law Consumer/natural person XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX GA XXXX ALLY BANK XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : APP NR XXXX RE : APP NR XXXX RE : APP NR XXXX how are doing TO WHOSOEVER IT MAY CONCERN YOU BROKE THE LAW I am writing this communication in regard to an adverse actions after filing out a consumer credit transaction applications with XXXX of XXXX I was discriminated against in this transaction my rights have been violated by making an unlawful decision congress has made it clear and concise that that i the natural person can not be discriminated for exercise my right to extended credit matter what the situation is pursuant to federal laws for example 15 usc 1602 ( f ) the term credit means the right grand by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
My consumer credit card account was used and I did not receive ANY benefits from this transaction Pursuant to 15 usc 1602 ( p ) unauthorized use of my credit. the term unauthorized use, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.
Pursuant to 15 usc 1691a I the consumer the natural person the applicant has in good faith excursed my right under this chapter. To extend credit.
Pursuant to 12 cfr 1002 Equal credit opportunity act ( Regulation B ) so an and so forth I got the proof that I was discriminated against by ALLY Bank and for that your now criminally liable for violating these laws With these discriminable action ALLY BANK is now involved in racketeering, fraud and swindling. and so, on I am willing to let this go if ALLY BANK do the right thing and reverse this decision and combine all offers made in one sum for a new property If not, I will pursuit forth lawful action.
ALLY BANK has 20 days to remedy this action or I will proceed with forth LAWFUL action.
NOTICE IS COMPLETE UPON RECEIPT I TRIED TO CALL GOT VOICE MAIL TWICE THANK YOU YOURS TRULY XXXX XXXX Looking forward for your speedy correspondence
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| 07/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
ALLY FINANCIAL XXXX XXXX, XXXX NO RESPONSE WHEN CONTACTED ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX, XXXX NO RESPONSE WHEN CONTACTED ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX HOME FURNISH XXXX, XXXX NO RESPONSE WHEN CONTACTED ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XX/XX/XXXX NO RESPOINSE WHEN CONTACTED ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XX/XX/XXXX NO RESPONSE WHEN CONTACTED ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XX/XX/XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XX/XX/XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX, XXXX NO RESPONSE WHEN COTNACTED ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX, XXXX NO RESPONSE WHEN CONTACTED ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION ALLY FINANCIAL XXXX, XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX, XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX NO RESPINSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX, XXXX NO RESPONSE WHEN CONCTACT ABOUT INQUIRY WITHOUT AUTHORIZATION CONSUMER XXXX XXXX XXXX XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX. XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XX/XX/XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION
|
| 11/03/2016 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
|
|
Web |
Older American |
|
I called ALLY BANK on XX/XX/2016 on behalf of my mother who has two cd accounts and a money market checking account there. She XXXX the XX/XX/2016 and the retirement home raised her monthly rent to {$5500.00} from {$3200.00} as her care level increased. My mother went thru the verification process and had Ally talk to me. One of the cds was maturing on XX/XX/2016 and I told them I needed to have {$55000.00} transfered into the money market account so I could have her write a check to herself and deposit it in to her XXXX checking. I waited until XXXX to deposit that check in to XXXX and shortly thereafter I started receiving e-mails from XXXX about negative balance and fraud on her account. All three accounts are in a revocable living trust and my mother is the trustee. After receiving the e-mails from XXXX, I went back to mom 's rest home and called Ally Bank and they said they rolled the entire CD over and did not put the {$55000.00} in to her money market checking. This conversation took place on XX/XX/2016. They assured me that they would take {$55000.00} out of the CD and put it into her checking account there. I was going to deposit the Ally money market check in to her XXXX account and thought I better call them first to make sure the transfer was done. I went to mom 's and went through the verification process again and then was told the transfer was not done and it will not be done until I send them trust documents because my father had passed four years ago. I told them to close the accounts and send the check to the same P.O. box that the statements go to. The women agreed to send the {$260000.00} that was at their bank. She put me on hold and when she came back on the line, she said they were not going to send any money or do any transfers without the new trust documents. I had to loan my mother {$6000.00} so she could make her XX/XX/XXXX rent payment. This bank totally lied to me at all steps and took a toll on me as my mother is XXXX, XXXX. They should have their license yanked and be put out on the street. I think everyone should be aware of this banks shady business practices and warned to stay away.
|
| 05/31/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
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Web |
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I took out a loan from Ally Financial i n XXXX . First payment due on XX/XX/XXXX in amount of {$470.00}. I paid an additional {$100.00} per month towards principle, for a total payment amount of {$570.00}. I also made Principle payments on XX/XX/XXXX of XXXX ; XX/XX/XXXX of {$5000.00} ; and XX/XX/XXXX of {$3700.00}. On XX/XX/XXXX I submitted a final payment of {$1400.00}. Mailed with a letter, & amortization schedule to the listed address on the back disputing the amount they stated I owed. Then nothing till I received a statement in XXXX stating I still owe them {$82.00}. Which is the interest from miss-applying my monthly and one-time payments. I called on numerous occasions to ask why my payments have not been applied properly. My first call was XX/XX/XXXX . Ally was taking the extra $ XXXX month and applying them toward future payments even after I asked them to be applied towards principle. Ally even applied my one-time principle payments towards future payments instead of loan principle ( with the exception of the {$1500.00 } one ) . By Ally applying my payments in this manner they have inflated the amount of interest on my account. Now, while I have been attempting to settle this account and claim the title, they are threatening me with damaging my credit report and not sending me the title of the vehicle as well as taking further legal action. Please help me with this matter. I understand it is not that much money, but if they are doing this to all their customers that would be Millions of dollars in extra revenue. And I have been unable to make any headway with them. They wo n't even let me speak with someone in accounting about my account. XXXX XXXX just wants to collect money even if it is not their 's. Attached below are ( 6 ) files documenting and backing up what I have stated above.
1. Is my Final payment letter.
2. Is an Amortization Sch. for the loan. 3. Is a copy of my Final Check 4. I s XX/XX/XXXX Statement from Ally 5. Is the latest Call recording with Ally 6. Is a record from Ally of my payment History. Documenting how they applied my payments.
|
| 05/19/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
On XX/XX/XXXX at XXXX XXXX MST, I contacted Ally Bank, to change the due date of my car payment to XX/XX/XXXX I spoke to a rep for 17 mins 18 sec. I explained why I needed my due date changed. The rep told me that if I paid {$20.00} by the XX/XX/XXXX that my car payment would not be due until XX/XX/XXXX and I could then set the auto pay for the XXXX of every month to start XX/XX/XXXX. I asked the rep, what about XX/XX/XXXX payment and she stated that my XX/XX/XXXX payment would not be due until XX/XX/XXXX.. I made the payment and it cleared my account XX/XX/XXXX. I tried to go into the system to set my auto payment and the system would not allow it. I called onXX/XX/XXXXat XXXX XXXX. The call lasted for 60 mins and 19 sec. I informed Ally that the system would not allow me to set up auto pay. I was informed that I still owed XX/XX/XXXX payment. I explained what I was told and they stated that I still knewXX/XX/XXXX payment was due. I told them that I was not aware, because the rep told me it was n't due until XX/XX/XXXX. I was transferred to a manager who told me the same thing and still tried to collect the payment. I told that my payment due date would not be extended until I made the payment for XX/XX/XXXX. I told them it was not fair and I no longer had the money because I took the advice of their rep. I told both the rep and the manager that I was going to file my complaint and I was transferred to a third person who said they needed to investigate my claim by listening to the recording and if they found out I was telling the truth, she would help me with my options. She asked that I give her til Tuesday the XXXX before contacting CFPB. It is now Friday the XXXX. I tried to contact Ally on Tuesday the XXXX by phone at XXXX XXXX and by their online email Thursday the XXXX at XXXX XXXX. I still have not gotten any help and the still have not updated my car payment due date and my car payment is late and I would imagine collected late fees. It is not fair to me that I get penalized, when I was directed by their rep. Who either have the wrong info or was not clear when I asked her the questions about my payments.
|
| 12/29/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
|
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I purchased a new XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN, XXXX. I traded in my old XXXX with a value amount of XXXX they estimated with pictures through email. Then brought trade in value down even more more to XXXX while in person. I did have a loan still to pay off with old jeep of XXXX and I put down XXXX with a check. When the workers were talking with Ally Bank they coming up with a payment amount. I was shocked that the monthly payment was so high of XXXX, but I really needed a reliable vehicle for me and my XXXX children due to the old jeep had a lot of recalls. This would be my first time purchasing an actual new vehicle to where I always bought used vehicles. So, I had no idea what to expect. My children and I were at the dealership for a very long time. I think it was XXXX hours total. So, I saw that the interest rate was at 19 %, but didn't know what was good or bad for interest rates on a new vehicle. I even told the XXXX that the monthly amount was way to big and I was only looking to pay XXXX at the most. But like I said I needed a reliable vehicle. The amount financed was at XXXX, but with the interest rate and such jumped up to XXXX! How is anyone supposed to pay this off? Well, I received a letter dated XX/XX/XXXX. Letter was from Ally Bank, XXXX, MN saying they had to adjust the interest to 18.00 % with total sale price of XXXX, XXXX payments of {$720.00}. I just thought about this for some time and was think this interest is not adding up to me at all. I asked an attorney about this and they said this is illegal to change the rate and amounts and nothing to sign or spoken to first then the state of Minnesota with new vehicles the Max percentage that banks can charge is 8 %. When this bank ran my credit score it was fair and have always been on time with my old loan with the old jeep. The dealership 's XXXX wasn't going to let me take the new vehicle that day even when I signed everything. But the XXXX said I could take the new jeep so I ended up taking it home. I knew there was something wrong going on here. The dealership also had already sold my old jeep within XXXX weeks.
|
| 03/08/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I was under an Ally Auto, Loan Agreed Payment Arrangements Ref # XXXX. My payment, and payment date was altered from the original contract. I have NOT been late on my payments, and furthermore met all the agreement terms as instructed by Ally in their correspondence. I faithfully paid my auto loan monthly. Checking my bank records, they take over a week to process my mailed in check thus making it appear I am late.
I have tried paying Ally Auto, electronically, by check in the mail, and before the due date the 30th of each month. Reviewing my bank records, it is clear Ally Received my payments on time.
I have had nothing but trouble with Ally Auto, from the very beginning of the loan. Reviewing on line complaint organizations, Ally Auto, is number one in customer complaints, and notorious in charging various miscellaneous late fees and extra charges.
I have written, called and even wrote their customer complaint depart, with no results, just more billings of extra late fees, and charges. This is consumer abuse in its ugliest form.
Please, someone help me with the beast Ally Auto. I have paid them faithfully every month, but due to their accounts payable system, the checks I send in advance take over a week to clear my account. I do not have any other problem with my routine monthly bills for other accounts, just Ally Auto.
Here is my payment record for the last eight months which is taken from my bank records : XX/XX/XXXX XXXX XXXX XXXX Payment XX/XX/XXXX XXXX XXXX XXXX Payment XX/XX/XXXX XXXX XXXX XXXX Payment XX/XX/XXXX XXXX XXXX XXXX Payment XX/XX/XXXX XXXX XXXX XXXX Payment XX/XX/XXXX XXXX XXXX XXXX Payment XX/XX/XXXX XXXX XXXX XXXX Payment XX/XX/XXXX XXXX XXXX XXXX Payment Please note, that they always take over a week to process my check, thus applying a late fee, upon the delayed deposit for payment in my bank. I send the check well in advance of the due date, allowing time for the mail to deliver the check to them.
Now Ally Auto is claiming that I missed the last two payments in XXXX and XXXX or this year. They are demanding {$1800.00}, in past due payments, late fees and charges. Please help.
|
| 02/09/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
Date of Issue - XX/XX/2018 Ally Bank is using a credit reporting agency ( XXXX , XXXX ) that is providing inaccurate information about consumers credit history and causing Ally Bank to deny credit to consumers based on bad or inaccurate information.
There are numerous reports online about XXXX, XXXX providing inaccurate information on them, and also many complaints specifically siting Ally Bank as the company that is using XXXX , XXXX for services. Many are stating that credit scores from XXXX are significantly lower than from XXXX of the big three agencies. And many complaints mention receiving denial letters specifically from Ally Bank, like myself. This is infuriating people!
I have what is considered excellent credit and I protect it well. As a result, I have my and my wife credit on freeze with the big three credit bureaus ( XXXX, XXXX, and XXXX ). We took these steps because in today 's age, no one can keep our information safe from criminals and this step had to be taken.
Why is a company like Ally Bank using a company like XXXX , XXXX when it appears they can NOT provide accurate information on consumers credit? Why?
I called Ally Bank and tried to talk to someone and explain what happened and I got no where, so here I am writing this formal complaint against Ally Bank to this agency.
To make matters worse, I am a current Ally Bank car loan customer who is two payments away from paying off a car loan with them and have always paid on time every month. So Ally is XXXX off their existing customers. Again - I HAVE OUTSTANDING CREDIT, and yet I receive a denial letter from Ally Bank making me think there is a serious problem, when really the ONLY problem is a company they are choosing to use, and Ally themselves. I will never again authorize any car dealer, or other institution to use Ally Bank again on my behalf, and I want a written apology letter from Ally Bank about this letter of denial I received. Shouldn't Ally Bank try to be a professional and reputable company and only use institutions that can provide accurate information about valuable customers and consumers? Is this too much to ask?
|
| 12/15/2017 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
I would like to inform you that I continue to dispute the current status of the loan ( status=charged off ). On XX/XX/XXXX I disputed the status and the 3 month delinquency that was incorrectly reported to the credit bureaus, through XXXX. Ally Financial corrected the inaccurate delinquent payments it reported. Unfortunately I still do not agree and believe Ally financial had no legal right to charge of the loan. Letter dated XX/XX/XXXX from Ally was to inform me the loan was now charged off due to missed payments this information is incorrect furthermore Ive continued to make the monthly payments. Ally had no legal right to charge off the loan. They failed to conduct a reasonable investigation when verbally requested on XX/XX/XXXX with XXXX whom I was transferred to by another representative from Ally 's total loss department after contacting them at XXXX and assured me they would allow 30 days to attempt to resolve the pending GAP claim prior to charging off the loan ( documents have been included to show proof ) they provided inaccurate information about me to the credit bureaus and used fraudulent information in taking action to do so. My concern is that the lack of communication between departments or properly documenting pertinent information to be easily accessed among the different departments is resulting with substantial harm and inconvenience to its customers.
Ally financial has violated provisions of federal Fair Credit Reporting laws by failing to provide accurate information reported to credit bureaus.
On my last communication with Ally Financials Asset Recovery Departments on XX/XX/XXXX XXXX I was told by XXXX that the reason the loan was charged off was due to the deficiency balance after my Insurance company attempted to pay off the auto loan for payment amount Ally received and processed on XX/XX/XXXX if the details of that statement were accurate? why wasnt the loan charged off as of XX/XX/XXXX Instead Ally verbally confirmed the loan was charged off on XX/XX/XXXX. As I have not violated the terms of the loan agreement and the loan has never been in default why was the loan charged off?
|
| 05/24/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I am a 100 percent XXXX XXXX veteran as proven by the attached document. Ally has been trying to bully me into paying them more money after we already finished the lease agreement as everything showed a paid in full on my credit reports. Keep re-ageing the account and adding false information to the CRAs that I now owe them over XXXX! Previous credit reports showed that this was paid in full, now they are trying to push me to accept paying them an installment loan for debt that is not mine. Its very weird behavior. They have had the car for more than 4 months, now they come trying to scare me into giving them money. The keep harassing me with letters and have even called me, texted me and sent emails. I have no further business with them and wish to receive relief from these predators. They are affecting my already diminished health. I have not seen a bank so determined to exploit someone. Its almost like they don't know that I am educated in XXXX, and have excellent XXXX skills. I am exhausted with their harassment and I need relief.
Also it should be updated to show that I was never late! They knew this and agreed to correct it during COVID! My identity was stolen and one of my accounts were closed. I was in the hospital for 4 months outside of the country. They understood that Federal law allowed for relief but decided to not be compassionate with me and update this account as they have done for others. I hope its not discrimination!
Please have this bank stop trying to use consumers as a tax payer funded bailout!
I am begging Ally to please cease and desist. Please delete this record, and do something else to try and fix your financial situation. Stop trying to take from poor and XXXX veterans!
What you are reporting is not accurate! I never gave you permission to report it! There is no written signed agreement with a wet signature that you can provide showing that I agreed to whatever you all are trying to do now, 4 months after we concluded business.
Pleas escalate this to a manager and I pray he or she has compassion and just stop this. I am not well and can't keep dealing with this.. please!
|
| 08/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I went into a XXXX XXXX to apply for a car loan and they applied to multiple companies for me on XX/XX/XXXX. Since then I have received multiple letters in the mail with offers, counter-offers, or denials of loans. The issue is this : one of the companies, Ally Bank, sent me two letters in the mail I received today, XX/XX/XXXX, denying my loan application and lists my credit scores from XXXX, and some odd credit reporting agency I've never heard of called XXXX XXXX. My credit score from XXXX listed by the letters is XXXX but the XXXX agency lists it at XXXX and both letters state they used XXXX as a deciding factor in the loan denial.
After a visit to their website to find out why my score is so low through XXXX I found out that the only way XXXX will give me a copy of my credit report from them is to send off copies of personal information such as my social security card and drivers license through the mail. Their company phone number just led me through a chain of robots without any real help from an actual person. I am reluctant to send off any personal information to a company I have never heard of for credit history until today and all reviews I read of this company have labeled them as a scam.
Listed on the letters from Ally Bank under XXXX reasons for adversely affected scores are " Limited history for consumer at address & phone ( Applicant ), Length of time accounts have been established too short ( Applicant ), Not enough bankcard debt experience ( Applicant ), Not enough debt experience ( Applicant ). '' I've had my phone number since XXXX, lived at the same address for 20 years, had my bank card since XXXX with zero delinquencies or overdrafts, and I've had my credit card for over a year with perfect payment history.
To have an unknown company with false information and who tries to use shady tactics to obtain personal information be the adverse factor in a bank 's decision to offer a loan to me has sent many red flags and is the reason I am filing a formal complaint against XXXX XXXX and Ally Bank for partnering with them and for potentially sharing my personal information with XXXX XXXX.
|
| 04/13/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I am a customer of Ally Bank ( FDIC # XXXX ). On XX/XX/XXXX I enrolled for an offer from Ally. The offer stated that I would receive 1 % cash bonus on new money moved into my selected Ally savings account by XX/XX/XXXX. I was required to keep the new money in the selected account until XX/XX/XXXX. The cash conus was supposed to be paid by XX/XX/XXXX.
On XX/XX/XXXX I transferred {$50000.00} in new money into the selected Ally savings account from an external bank transfer. I left the entire balance, plus an existing {$8.00} which was already in my selected Ally account, through and including XX/XX/XXXX. In fact, this transferred {$50000.00} in new money remains in that selected Ally savings account to this day. I have not made a single withdrawal, debit, or transfer out of the selected Ally savings account since moving that {$50000.00} into the account on XX/XX/XXXX.
I never received my 1 % cash bonus ( which should have been {$500.00} - the maximum amount allowed by Ally 's offer ). I have written to Ally several times and I have called twice I believe. I was first told I did not sign up for the offer and so I did not qualify, but I then sent Ally an email I received from them which confirmed that I had enrolled in the offer. That confirmation email contained the rules for the cash bonus which I have summarized above.
Ally agreed that I signed up for the offer only after I sent them their confirmation email, but they still have not paid me the {$500.00} bonus. They have advised me that there are many people who did not get paid the bonus and they are trying to work through the problem. It is now XX/XX/XXXX - two months since they were supposed to pay me {$500.00} and I have gotten nowhere with Ally. I have wasted a lot of time on this problem, and I have kept {$50000.00} in my Ally account which could have been put to better use elsewhere.
Ally must pay me the {$500.00} they owe me, and any fines or other compensation that I am lawfully entitled to. I have the email confirming I signed up for the offer which I can send you upon request. I also have messages from Ally with their comments. Thank you.
|
| 11/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX of XXXX, I purchased a used vehicle and Ally Financial was the chosen financial company. Every since I have started making my payments, I have gone online and schedule my payments, the funds leave my account 3 days later and it is posted on my account page with this company as being completed. Since I am refusing to talk to them to schedule my payments, they have been sending false information to the 3 credit bureaus ' stating that my payments are 30, 60 and 90 days late. When I reported them to XXXX, I was sent a letter telling me that even though it shows on my account on their website as my payments being completed, they are trying to tell me that they didn't receive my payments until 3 months later. That is false. I have tried to trade this vehicle in so that I can get out from under them, they block me by reporting false information about my payments. When I tried to refinance my vehicle through another company, they block me by reporting that I have missed payments, that I am behind in my payments, knowing that these companies will turn my request down. I have tried to straighten this out with the company through XXXX but again, they are refusing to correct their false information and they continue to harass me by calling my phone twice a day, leaving messages wanting me to call them about my past due payments. They some how got my XXXX phone number and started calling and leaving messages on his phone. He is XXXX XXXX XXXX. If I was behind like they claim, why do I still have my vehicle? The proof of their lies is on my account under " Transaction History '' but they all need to be fired at this company since none of them can see the truth that is on my account page. I want their lies, harassment and false information to be corrected so that I can get out from under them. This company doesn't need to be in business at all. I have also found other people that was under them stating that they were done the same way. I will continue scheduling my payments online until they block me from that way again. I want out from under this company and if I have to hire an attorney to sue them, I will.
|
| 04/01/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
I instructed the bank to write a check for my apartment lease using the bank 's on-line bill pay service for the lease payment due XX/XX/XXXX. The payment was not delivered on time and I was assessed a {$50.00} late fee by my landlord.
The Ally Bank online services agreement states that " We will be responsible for any late payment related charges up to {$50.00} should a payment post after its Due Date as long as the payment was scheduled in accordance with the Scheduling a Payment Section above '', and I would like the bank to uphold its side of this agreement.
On XX/XX/XXXX I sent a message to the bank with the details of the missing payment and a copy of the statement showing the late fee that was charged. Ally Bank responded on XX/XX/XXXX saying that review of the documents " should be complete within 3-5 business days ''. There was no further communication from the bank.
On XX/XX/XXXX I called to follow up about this request and the representative said that no information was available but that should would request further action and that I should expect a response within a week. There was no further communication from the bank.
On XX/XX/XXXX I called to follow up about this request again and got the same story no information was available, but expect a response within a week. There was no further communication from the bank.
On XX/XX/XXXX I called to follow up about this request and was told that the request had been closed without anyone notifying me. The representative said that the request would be reopened and that I should expect a response from the bank within a week.
On XX/XX/XXXX I received a call from the bank requesting additional documentation ( specifically a copy of the lease showing the payment due date ). I submitted this documentation on XX/XX/XXXX, and on XX/XX/XXXX received a response requesting that I " Please allow 7-10 business days for this to be processed ''.
Now, ten business days later, with still no response, and ten weeks after my original request, I am escalating this issue to the CFPB.
The reference number for this issue provided by the bank is XXXX.
|
| 08/29/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
Ally Credit Card keeps placing a hold on my account for no good reason. Each month I have to call and go through all the horrible customer service, lies and unlawful reasons. The first month it was because they supposedly needed a letter from my bank stating that I was an authorized user to make payments although this was the bank that they checked to see if I qualify as well as accepting several payments close to XXXX each., I called my bank and they stated that they are not in need of this so called paper and payment has already been accepted and posted. The second month they placed a hold again and when i called for the excuse this time they stated that they feel I am spending too much money on my card. I did not even max out the card but if I did who do they think they are to tell me I can't use my credit limit that they issued to me. i still had a small credit remaining and pd balance in full which had yet to be credited and I was trying to prepare for the Hurricane Idalia that we have moving into Fl and I was not able to get gas, water or any other necessities such as my medication I have never once been late and as a matter of fact always paid the full amount before it is even due. They have no problem accepting any of the payments but they feel they have the right to not allow me to use my credit when I please. I understand a hold for several days after payment has been made but this is ridiculous as it states 7 days and they wait longer than the amount of days listed in their rules as well as give bogus reasons and should not be happening each month or anytime I spend with this card. I feel as though they may be trying to steal my identity or get access to my bank account. Also hang up on people and leave them on unnecessary holds for over an hr., I looked them up on the XXXX and their ratings are horrible as well as statements made that are exactly like mine if not similar. I have since consulted with my bank again and they suggested that I consult with an attorney in which I have some today.
Thank you for your time and understanding. I look forward to your response.
XXXX XXXX XXXX XXXX
|
| 04/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Ally Financial is reporting an erroneous 30 day late on my credit. I was NOT late for the month of XXXX and this error should have been corrected already as I was assured it would be by an Ally representative on XX/XX/XXXX.
I have been making timely online payments via the ALLY website since the loan initiation date of XXXX of XXXX. My banking information ( account and routing numbers ) were saved on the Ally website and the payments were made each month accordingly.
On XXXX XXXX I made a payment which was due XX/XX/XXXX in the same way as I had been doing for the last 12 months. On XX/XX/XXXX I was notified that payment was rejected and the reason provided was Your payment was returned because the name on the payment account you selected did not match the name on the account at the financial institution.
I reached out to Ally and was informed that I should attempt to make another payment and I did so on XX/XX/XXXX. I didn't receive any further emails and assumed the payment went through without an issue.
In mid XXXX, I received a notification from XXXX that I was marked 30 days late by Ally.
At that point I reached out to Ally, and was advised by an Ally representative that the XX/XX/XXXX payment didn't go through due to a glitch in the Ally payment processing system ( please listen to all calls as I made several in XXXX of XXXX ). I WAS TOLD THAT MY PAYMENT DIDN'T ACTUALLY GO THROUGH AND THAT I NEED TO DELETE MY BANKING INFO FROM THE ALLY WEBSITE AND TO RE ENTER IT MANUALLY. I did as I was instructed and made another payment at that time. I was also informed by an Ally rep that any late reporting will be corrected since the issue was NOT WITH MY bank, but with the way ALLY was capturing online payments. There was a glitch in the ALLY system which prevented me from being able to make a payment with the same banking info that I had been using for all prior payments. I had to delete and reenter the banking info in order for it to work!
Please correct the negative reporting for the month of XXXX as I was not late on my own accord, but rather due to a glitch with Allys payment processing system.
|
| 08/19/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
Servicemember |
|
Ally Bank refused to accept my dispute of $XXXX dollars for an ATM transaction. They went ahead and reversed the credit previously issued. When I asked them to provide paperwork to substantiate their investigation, they retaliated and did not like it and decided to close my account. So far I have not received any paperwork on how they came about to their conclusion that the ATM transaction was valid. I never got the cash and disputed the transaction. I have been with Ally bank for more than 10 years and I have never complained to them or had many disputes. I believe Ally bank did not have any paperwork to provide and instead decided to close my account without an explanation. I believe Ally bank is not providing proper banking rules and should be fined. Today I received a letter to my surprise that my account would be closing on XX/XX/XXXX. I have started withdrawing my funds of almost XXXX to avoid any issues but would like this bank to be fined or investigated. For a simple $XXXX dollar dispute that they could not come up with an explanation they decided it was best to let me go and did not provide any documentation that there investigation was valid. I think they are lying and don't have nothing to provide and instead committing fraud and breaking the rules of the banking industry. They were trying to kick me out and silence me without saying nothing. But now they will have to give an explanation of what happened and why they decided to close my account. Also something I would like to add is that this bank lowered their interest rates where it used to be at 2.20% and now I believe is 1.9% and I did get notified until months later. They don't follow proper procedures. I called them and asked them what their rate was one day and to my surprise it had gone down. I had an issue also with this bank in XX/XX/XXXX when they also refused to honor my dispute and delayed the process for 6 months until I complained. This bank does not follow proper rules. I have copies of all correspondence for your information as evidence. I will provide copies of paperwork at a later date to give me time to gather them.
|
| 06/09/2017 |
Yes |
- Debt collection
- Auto debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
On XX/XX/2017 I was contacted by someone at Ally Auto finan ce in regards to my brothers auto loan account with this company. I asked them repeatedly to tell me how my information was obtained regarding a business matter and debt that does n't concern me. The person that I spoke with whose name was XXXX would n't provide me with that information and told me to speak with my brother to get him to request to take my information off of this account. I have not now or ever given permission to my brother or Ally Auto Finance to contact me, I never signed on as a co-signer, I never gave any information to the auto finance company or an y one else associated with Ally financial. After a long and frustrating conversation with XXXX I was t ransferred to XXXX the supervisor who at the beginning of my call stated that my name would be taken off of their information. When I asked again how my information was obtained he would not tell me that information. I asked for the contact information of their legal department or the president of the auto finance division and again I was denied. I asked again how my information was obtained and how they were able to invade my privacy and harass me to which I was told that my number would be removed. I asked again and finally XXXX told me that he did not know. I told him that I have every right to know and he told me that he would place me on hold for an hour or two so tha t this information could be found. After asking again for the contact information to the legal department so that I could send a cease to contact letter to them I was told that information was not available and then abruptly put on hold. After a few minutes XXXX came back to the line and stated that XXXX was searching for a supervisor for me to speak with and if I could wait then they could fine on for me. I repeatedly asked for information that was not provided, they would n't tell me where could send a cease to contact letter. I feel very harassed by this company and I feel that my privacy has been invaded. For reference purposes the phone number that contacted me was XXXX .
|
| 03/18/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
In XX/XX/XXXX, I returned a XXXX XXXX XXXX to XX/XX/XXXX XX/XX/XXXX dealership in XX/XX/XXXX, Vermont. The car was looked over by the sales agent and we were told he did not see any damage or excess wear that he could identify but that an adjuster would look at the car the next day.
Approximately six weeks later, we received a bill from Ally Financial for {$3800.00} which included excess mileage and some damage. We were also billed for a promotional tire cover that was given to us after the car was leased by the dealer as a gift. It was clearly a promotional item for the dealership since it had their name in large print on the cover. The bill from Ally included a charge of approximately {$600.00} for damage to this item and some additional items that we immediately disputed with Ally. Ally told us that that they could not adjust the bill and I refused to pay until I spoke to someone that would review the issue. Every month for 3 months an agent would call trying to collect the full payment and I would discuss with them the issues and asked to have the case reviewed.
Finally, in XX/XX/XXXX, an agent called me and told me they would settle the amount if I would pay the remaining balance {$3200.00} which I immediately did.
On XX/XX/XXXX, I received a letter ( attached ) stating the account was settled and I did not owe anything further.
I recently became aware that this issue has two negative effects on our credit reports : First for a " settlement for less than the amount due '' and second for a late payment.
This is incorrect since the amount due should have been the amount I paid. I should never have been charged for the gifted promotional wheel cover and the only reason the payment was late was that Ally never tried to discuss the issue with me - they only demanded full payment until XXXX.
Please be aware that we have previously leased numerous cars with XXXX XXXX ( this was the last ) and XXXX XXXX in XXXX XXXX and have used Ally, XXXX XXXX, XXXX XXXX, etc. and have never had any issue like this before.
Please review this issue.
Thank you for your consideration, XXXX and XXXX XXXX
|
| 08/23/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Ally Bank failed to pay by home owners insurance resulting in my policy cancelation. They claimed to have mailed a check on XX/XX/XXXX, for a bill due on XX/XX/XXXX. My home owner 's insurance never received the payment and I was called on XX/XX/XXXX, stating my policy was terminated for lack of payment. This has happened last year with my flood and home owners insurance. I was able to reinstate my policy by paying on my credit card, including fee 's. I called Ally Bank and asked that they cancel the check they sent to prevent double payment. They said they were sorry for the problem and were issuing a second check to my insurance company, which they said was their policy. I offered to send them a copy of my paid insurance and they would not stop the process. After questioning, they said they had already sent the second check ( mailed ) on XX/XX/XXXX, which also was not received by my insurance company. I asked for their manager to call me, so I can stop any additional payments and their manager stated the mistake was a result of a routing number error, which doesnt align with the previous statement that it was mailed. Routing numbers are not required if they are mailed. They said they will try a third and additional attempt until they can make the payment, in which case I will be out an additional {$2200.00}, as I already paid the policy.
My Complaints are : 1. Ally Bank consistantly makes escrow payments late. I can only conclude this is part of their business plan to maximize their profits on escrow funds. Im sure there are many consumers facing the same problem.
2. Ally Bank sent me an official statement claiming and subtracting insurance payment from my escrow account when they knew the payment was not paid. mailing the payment is not payment. This is fraud, and sending fraudulent claims via offical US Postal service.
3. From a personal perspective, I've paid money into my escrow monthly, without delay, and had to pay my insurance out of pocket, with fee 's. I don't have an extra {$2200.00} laying around, and I have no pathway to getting it either refunded, or credited back to my escrow.
|
| 11/11/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Older American |
|
I paid Credit Card on XX/XX/XXXX, but scheduled for XX/XX/XXXX when it was due. On XX/XX/XXXX, I changed my mind & requested it be paid that date. They processed both payments, instead of one. I contacted my bank & the bank reversed the XX/XX/XXXX pmt. On XX/XX/XXXX, I went online to pay XX/XX/XXXX bill~website would not accept. Called customer service again; was told there was a 'block ' on my checking acct. They asked me to get bank to give me a letter verifying that I am the authorized user of my checking account. My bank refuses to do letters ; their policy. Instead, I went to bank branch and Mgr gave me a direct deposit slip with my name, routing & acct # s. She would not sign or date it... I emailed to Credit Card company so they'd 'unblock ' the checking account. On XX/XX/XXXX, thinking this matter was resolved, went online to pay the XX/XX/XXXX payment ~ still blocked ( " negative status '' ). So I mailed them the check for {$48.00} and asked that they not access a late fee, since this was not my fault. They processed the check which cleared the bank on XXXX. I went online today to make the XX/XX/XXXX payment ~ checking acct is still blocked! They also charged me a {$29.00} late fee ~ one billing agent said she'd waive the late fee. Then transferred my call to try to get my checking acct " approved '' online. I asked " If you processed my check on XXXX~from the same bank with my information on the check~why can't they accept an online payment? They even sent an email telling me " We got your payment. '' [ One Customer Service agent I spoke with told me I needed to get another form of payment, like opening up a new bank account. I'm not doing that ... and shouldn't have to. ] The guy I spoke with re Acct Authorization said he will resubmit to their " team '' for further investigation, but as far as he was concerned, the direct deposit slip wasn't good enough... nor was the fact that they've already processed a check from my bank account. ALL of my accounts have " perfect payment history '' ~never late... until this! Attaching 20 pages of this saga. All I'm trying to do is make a payment.
|
| 10/12/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
|
|
Web |
|
|
I opened several accounts with XXXXXXXX XXXX around XX/XX/2022. After 3 weeks or so after using my Ally Bank account to transfer money to my XXXX account totaling XXXX USD my accounts were placed on Restricted Mode pending an Identification Process. I submitted pictures of my State ID as well as my Cell Phone bill due to it being the only utility bill I had, as well as a correspondent between me and the XXXX Office of the Comptroller, to better prove I am who I say I am but I was told that that was unacceptable. I have called the bank several times to retrieve my funds only to be told that they would write it off which would cost me to lose my XXXX that is being held in the account. They claim the only other method would be to call Ally and have them issues a recall. I was told this method on several occasions and even told so in an email correspondence between me and XXXXXXXX XXXX. I would them contact Ally Bank and explain what occured to which they also told me the only option would be a recall. The recall was performed and a total of around XXXX XXXX was recalled against my XXXXXXXX XXXX account. The recall would go through but around the week of XX/XX/2022 the XXXXXXXX XXXX would get charged against my account. I would call Ally Bank and they would attempt to infer that despite me explaining to them what happened and them agreeing that it rally was necessary, even after both Bank parties suggested and recommended it, that the transaction was done in " Good Faith '' and after I would argue that they would attempt to claim it was a different transaction then the recall. On XX/XX/2022, I would login to my account to see the second recall was also charged against my account. I have reported this to the FBI as wire bank fraud due to it seeming as a coordinated scheme to fraudulently charge my account and cause it to get closed. From the unjustifiably XXXX account freeze, to the suggested recalls, and the attempts at committing wire fraud by overcharging me on fraudulently charges. I especially asked if that is what they are doing and they would say no and then turn around and do exactly that.
|
| 04/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
My credit report indicates I have [ 22 ] accounts that are negatively impacting my credit score and immediately preventing me from obtaining a mortgage and credit. Each of the three credit bureaus is incorrectly reporting credit information deleterious to me for which damages may be sought. [ 11 ] OPEN ACCOUNTS have reported a current account of which, ALLY FINANCIAL XXXX is incorrectly reported. XXXX/XXXX XXXX is incorrectly reported. XXXX XXXX XXXX is incorrectly reported. XXXX XXXX XXXX XXXX XXXX is incorrectly reported. XXXX XXXX XXXX XXXX XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX XXXX XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX XXXX XXXX is a double reporting tow separate balances, {$4200.00} and {$2700.00} and is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX XXXX XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. The credit reporting agency is reporting the following unauthorized inquiries. XXXX XXXX XXXX, Unauthorized and demand strict proof. XXXX XXXX XXXX Unauthorized and demand strict proof. XXXX XXXX XXXX Unauthorized and demand strict proof. XXXX XXXX XXXX Unauthorized and demand strict proof. XXXX Unauthorized and demand strict proof. XXXX Unauthorized and demand strict proof. The credit reporting agency is reporting the following incorrect PERSONAL INFO. XXXX XXXX XXXX. I have never applied for credit or ever been known by this name. I demand strict proof this was reported to the credit reporting agency. PERSONAL STATEMENT. The credit reporting agency will not update my personal statement with relevant and current information. I have asked that all prior personal statements be removed to avoid confusion. REMOVE THE CREDIT FREEZE ON MY ACCOUNT FROM XX/XX/2020 to XX/XX/2020.
|
| 07/20/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Older American |
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XXXX COMPLAINT, I WANT REIMBURSEMENT FOR THE FUNDS I 'VE SPENT ON A ILLEGAL CONTRACT WITH ALLY BANK, ALLY FINACIAL, I 'M OUT OVER {$15000.00} IN SIX MONTHS FIGHTINGTHESE PEOPLE, I WANT XXXX.
XXXX NEW JERSEY TOO REIMBURSE XXXX XXXX CREDIT CARD FOR THE $ XXXXIT COST TOO CORRECT THE DEALER FRAUD ON MY CREDIT CARD FROM XXXX XXXX XXXX?
HE USED THE MONEY ON HIS SELF, NOT THE {$6000.00} USED INFINITY THE DEPOSIT WAS GIVEN FOR.
HE ALSO RECEIVED {$14000.00} FROM ALLY FINANCIAL INSTITUTIONS, THEY WERE TOLD PRIOR TOO GETTING THE VEHICLE TITLE FROM XXXX.
THE XXXX XXXX WAS A BAIT & SWITCH TACTED, THE FINANCE COMPANY STILL SAIDS THEY HAVE NO CONNECTION WITH DEALER, THAT 'S WAS FOUND BY THE STATE, GOVERMENT, NJ XXXX XXXX XXXX, ALL COMPLAINTS WERE FILED.
THE DEALER STOLE THE MONEY, GOT THE CAR BACK TOO RESELL AGAIN THROUGH ALLY FINANCIAL RESELLING CAR BACK TOO THE NEW JERSEY AUCTION IN XXXX XXXX.
XXXX COULD NOT FIX A XXXX XXXX NEEDED A MINIMUM OF {$7000.00} IN REPAIRS TOO MAKE CAR LEGAL IN NEW JERSEY.
THE CAR WAS IN A MAJOR ACCIDENT, UNDISCLOSED BY DEALER TOO ME OR ALLY FINANCIAL!
I KNOW ALLY NEW BECAUSE I NEVER HAD A APPLICATIONS FOR CREDIT, THEY SENT ME A TURN DOWN LETTER AS WELL AS XXXX OTHER FINANCIAL INSTITUTIONS.
I WAS DECLINED FINANCING EVEN WITH A FICO OF XXXX IN XXXX DUE TOO MY NEW XXXX LEASE IN XX/XX/XXXXTHE CREDT BUREAU REPORTS KEEP LYING ON THE REPORTS, THERE WAS A ACTIVE FRAUD ALERT ON ALL THREE CREDIT BUREAUS REPORTS IN XX/XX/XXXXWE HAVE PROOF, XXXX HAS DELETED ALLY FINANCIAL FROM THE CREDT REPORTS AFTER THRE INVESTIGATIONS.
I 'M TIRED, BROKE, AN CAN NOT STRAIGHTING OUT MY CREDIT CARDS, OR PROBLEMS I NEVER LEGALLY BOUGHT.
I WANT ALLY TOO REIMBURSE MY COSTS, DEALER THE CREDIT CARDS, WE HAD TOO FILE CRIMINAL CHARGES AGAINST XXXX.
THEY ARE ALL APART OF THE DISCRIMINATION CASE YOU PROCESSED VIA DEPARTMENT OF JUSTICE, CONSUMER PROTECTION AGENCY IN XXXX XXXX XXXX , ON XXXX, SOCIAL SECURITY ONLYWAS ABLE TOO STARVE MYSELF, NO TRAVEL, NOW CAN NOT PAY ELECTRIC, SOME ONE HELP ME GET SOME ONE TOO GET ALLY TOO REIMBURSE THE CAR, MY COSTS, REPAIRS, ATTORNEYS FEES.
SIX MONTHS NOW, XXXX XXXX XXXX
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| 02/03/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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My vehicle was repossessed in XX/XX/XXXX. At that time I tried to pay the full past due balance to redeem my vehicle but Ally would not allow it. At the time I filed a complaint with the CFPB XXXX because my vehicle was repossessed prematurely and because they were not using my mailing address as requested I did not receive the repossession warning notice. Mysteriously, all my monthly statements were going to the correct address but the only repossession notice sent, went to the address on my original loan application. Ally refused to allow me to redeem my vehicle without paying the entire loan in full, as evidenced in their response letter to the CFPB. On XX/XX/XXXX I wired them {$18000.00} which was rounded up, as they gave me {$18000.00} and some change. I called an hour before I wired the money to confirm with the redemption department as every time I called the figure kept changing. I redeemed my vehicle on XX/XX/XXXX. They XXXX XXXX me the title and said I had to sign it back over to them or re-register it again because my car was just about to be sold and the title was taken out of my name. They said as soon as my account closes out they would mail me the title and that it would take 45-60 days. Since then they have refused to give me my title and have claimed that I still owe them money and have been reporting negatively to the credit bureau. I called a few times trying to rectify the issue but everyone I speak with says there's a balance but can't explain why or how the amount changed in 1 hour from the time I called to the time the funds were wired. In XXXX and XX/XX/XXXX I tried calling to see if I could get this taken care of again but with no luck. In XX/XX/XXXX when I logged into my online account it said the Total Due was {$140.00}, the Total Payment Due was {$1000.00} and the Next Due was {$170.00} on XX/XX/XXXX. When I logged on inXX/XX/XXXX and requested a payoff figure it said I owed {$240.00}. I received a letter on XX/XX/XXXX stating I owe {$470.00}. And as of XX/XX/XXXX they are reporting that my account is Derogatory and that I owe {$230.00} clearly there is an error.
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| 06/20/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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To Whom It May Concern, Ally Mortgage has repeatedly made errors and failed to correct said errors associated with mortgage account ending in XXXX. Please see attached timeline to this complaint, as well as corresponding Ally Payment History and proof of erroneous credit reporting. To summarize the issue, my husband and I 's mortgage account was transferred to Ally from XXXX XXXX XXXX in XXXX of 2022. We made repeated calls to Ally regarding payment and set up of our account. However, due to lack of account set up, no payments were made in XX/XX/2022 to this account.
Despite these issues created by Ally, we set up our account through our own diligence and repeated contacts, so we could pay XXXX, XXXX, and XXXX payments. We were then notified that we still had an outstanding XXXX payment. My husband made arrangements and agreements via a phone call with Ally in XX/XX/2022 to pay an additional amount each month for the course of 5 months to catch up the mortgage. Ally agreed in return to not report the XXXX payment.
Despite this, Ally reported the late payment, but even incorrectly reported the late payment. Specifically, per our credit report, Ally stated the missed payment was for XX/XX/2022. ( See attached Credit Report ). This was done in error as the mortgage payments clearly show that a larger payment of {$5800.00} was made that month. ( See Ally XXXX XXXX attached hereto ). The only assumption I can make is that Ally CHOSE to first not honor their agreement from XX/XX/2022 and second reported a XX/XX/2022 rather than a XX/XX/2022 " late '' payment due to RESPA guidelines. Since the XX/XX/2022 payment would have been within the 60 day window disallowing mortgage companies to report that to the credit bureau, they chose to report the INCORRECT date.
My husband and I have now made repeated attempts to have Ally correct this via the dispute and appeals internal process, so this can 30 day late payment can be removed from our credit report. Ally continues to deny this request despite their own errors and evidence of the same.
Thank you for your time and assistance with this matter.
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| 09/22/2017 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
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I have a lease with Ally Bank on a XXXX XXXX XXXX. I called to get a buyout on the car and they gave me a number of {$30000.00}. When i went to the dealership and found another car i was in the process of working on the deal and the dealership came back and told me the bank was asking for {$34000.00} for the buyout. I called the bank and asked for an explanation and no one could explain it. I was told by XXXX Employee ID # XXXX an alleged supervisor that the 3rd party buyout was more due to market value. So i asked if i was to get a check from another bank and had it made out to Ally for the $ XXXX would they take it and she said yes. So i ask whats the difference where the money comes from? She said that its different for dealerships and that its state policy/law that they can charge the dealership more. I asked for this XXXX number and she could n't answer the question.I then asked for a supervisor and she said she was the highest up and that i would talk to another person on her same level if i wanted. Of course i said no a supervisor because i find it hard to believe the whole department is a bunch of people that manage themselves with XXXX supervision. Nope she transferred me to XXXX ID # XXXX same dept same position. I told her to just please get a supervisor on the phone. Then i spoke to their supervisor XXXX ID # XXXX. She again is saying that the bank reserves the right to charge a dealership market value from what is estimated by XXXX XXXX. That price is estimated by geography. However my point is i am the consumer and have the agreement with Ally. It works out for all parties that i get truck i need and the jeep get returned and the bank get their $ XXXX. However since i am not the one writing the check they gave the dealership a larger quote for the car ultimately screwing me. All parties win, i get a functional car they get their money and the dealership sells a car and who know maybe we take the loan out through Ally? My concerns are that this an unfair practice that hurts me the consumer and I want to know what the North Carolina XXXX XXXX is that allows the bank to do this.
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| 04/03/2017 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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In conclusion, one online bank rep cost me a lot of money but this company cost me a great deal of time.
One Friday in early XXXX, Ally Bank froze my debit card because of some {$3.00} charge I 've yet to see any proof of. When calling to unlock my card, I had to answer my series of five security questions multiple times before being informed my card would have to be replaced. I did n't have time to verify all my account information to get my card that night, and since the replacement was 7-10 business days away, I was in no rush for cash from them.
I called back early the next week to try again. I got my replacement card mailed and I waited until last week to activate it. I followed the steps and the automated systems said it was active. I went to get cash and found it was n't working. When I called, a little irritated, I was told there was some issue and they would need to reissue another card. Another 7-10 business days! No thanks, I told them if they could n't get this resolved in this call I was going to another bank.
They connected me to someone else, a 3rd person that morning, when this person asked me my security questions again. At that point in time the only point of view I had was " I verified my security questions with them 2 times, on this call alone, this is the 6th call I 've made to try and get money, this has to have been the 20th time I 've answered their questions and they 've done absolutely nothing, not one thing to make progress. '' I told them I was switching banks.
I signed up for another bank but it was too late. The rep locked my account so all my debits failed, including checks on joint accounts. They put a lock and told agents not to handle that I had to call a number and speak to someone specific.
This number did n't work but they were instructed I had to call from a number on my account and NOT TO TRANSFER.
Essentially pushing me into a dead-end oath that cost me hundreds of dollars but more importantly, hours of my time.
I really wish there was some way to hold them accountable so companies with online-only presences are n't exploited like this.
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| 03/11/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I got my auto account paid off through a banker 's check # XXXX US {$73000.00}. This check got mailed to the creditor Ally Financial Payment Processing Center XXXX XXXX XXXX XXXX, Arizona XXXX on XX/XX/2020.
The payoff was good until XX/XX/2020. That day came and went, and Ally is unable to confirm receipt or processing of the check and continue to charge me interest daily. The company maintains that its XXXX processing center can not be reached by phone by their call-center representatives, and an email sent to the center by one of the managers on XX/XX/2020 has allegedly not yielded a reply to date.
On the XX/XX/XXXX of this month, I got compelled to issue a phone payment of US {$400.00} to avoid being reported delinquent to the credit bureaus. The whole amount was consumed by interest, leaving the principal balance and payoff amount about the same.
This week Monday, XX/XX/2020, we canceled the initial check at the request of Ally Financial and reissued a new Banker 's Check # XXXX for US {$73000.00} which was overnighted to their processing center in XXXX, Kentucky via XXXX ( Tracking # XXXX ). The check was received and signed off by a XXXX at XXXX XXXX the following day. However, at the time of writing this complaint Ally has not credited my account and the representatives maintain that they can not explicitly track the exact location of the check and all I have to do is wait. This is at the expense of interest rates that continue to accrue on a daily basis.
I find their inability to communicate with their payment processing department a deliberate effort to hold consumer payoffs to maximize on profits based on daily accrued interests.
Each time I call, I get talking points with no tangible help whatsoever, the latest being that the checks are handled by machines and no human can track it until it posts into a consumer account.
I am requesting the intervention of the Bureau and that of Ally 's higher management to expedite the processing of this payoff and to get a refund of all interest charged since XX/XX/2020, which was the date of the initial payoff.
Regards, XXXX
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| 06/27/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I have a checking and savings account with Ally Bank.
I received a large check from the County in which I live, a check from a government fund that was provided to me for the purposes of housing relocation Before depositing it with Ally, I verified with them via telephone that I could submit the check to them via mobile / echeck deposit, and that {$300.00} of the funds would be available the next business day, and the remainder on the XXXX business day.
The first {$300.00} was made available as promised.
Exactly XXXX hour before the remainder of the funds were to be made available, they froze my account and all of the funds and transferred my account to their " Loss Prevention / Fraud Department ''.
I have spoken to XXXX different people in that department who have been beyond rude, accusatory, arrogant, and condescending, and on a power trip because I am at their mercy I have been told : -Send proof of the validity of the funds and they will be released to you immediately. I did this and the funds were still not made available.
-Then I was told that the first rep was incorrect, it will take XXXX days to review this " suspicious '' check I had deposited.
-Then I was told that providing the proof I provided would not have any effect on their review of my account and the check, that it will take a solid XXXX business days for these funds to become available.
-Then I was told to call back the next business day and speak to a rep and just ask them to call the bank the check was drawn on to verify the funds and the money would be released to me.
Nobody there knows what the proper procedure is, ALL of them have accused me of trying to deposit a fraudulent check, ALL of them have been rude and argumentative and a couple were even threatening. ALL of them refused to let me speak to a supervisor.
They have also blocked all access to my account, I can no longer log into my account online or through the app to at least monitor the progress of my account and they are holding {$16000.00} of my money.
Because of this I lost the housing I was supposed to put a deposit on using these funds.
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| 03/27/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Other transaction problem
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Web |
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I also sent the following to Ally on XX/XX/XXXX, received an email stating I would hear back from them within 3 days, but it's been four and I have heard nothing.
I opened an automated investing account with Ally at the beginning of XXXX. The initial investment of {$5000.00} was transferred to the account on XX/XX/XXXX. Sometime between then and the XXXX I became aware the new account was marked restricted due Ally 's inability to verify the address I provided. I was unable to provide the supporting documentation requested, as I had provided a mailing address and apparently a residential address was required ( there was no indication of this when I opened the account ). I contacted Ally support immediately and they lifted the restriction on the account temporarily so I could transfer the money out of it, which would close the account. I did so, and received an email from Ally on XX/XX/XXXX stating that they would review the request that day, liquidate the funds and make the transfer. The funds were not invested yet, and still aren't according to the dashboard, so they should have been available immediately.
It has been a month and the money still hasn't been withdrawn from the account account, and it still hasn't been closed. I have not had access to the account for this entire time, as it is " restricted '' due to not being able to provide the requested supporting documentation.
I have spoken to support over the phone twice now to resolve this issue. The last time, which was last week, the support specialist removed the restriction on the account so I could try to withdraw the money again. However, I was unable to do so at that time. The error Ally returned was that there was already a pending transfer.
I am becoming deeply concerned, as Ally is currently holding {$5000.00} in limbo and has not provided an explanation as to why, or a path to resolution. I have made it *very* clear that I wish to withdraw all the money and close the account, but so far Ally bank has not complied with this request despite the fact that the money is not, and certainly should not, be invested.
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| 07/27/2022 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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On XX/XX/22 i initiated a transfer of a {$100000.00} from ALLY Bank to XXXX that was offering higher interest rates than ALLY. The bank that i sent funds to was vetted by ally 's process in which they send 2 trial credits to the destination bank and in return i have to enter these two trial credits on Ally 's website to start transfers process. With that done the transfer request was made. After four to five business days no funds were received from ALLY to XXXXXXXX XXXX which is offering higher interest rates than Ally. XXXX i initiated inquiry to Ally why the funds were not transferred and ALLY froze my account with the receiving bank. I have made numerous calls and provided documents and screenshots of documents as to the owner and holder of the bank account of XXXX XXXX and still the substantial amount of money has not been returned to me or to the bank i wanted to be deposited to. It seems most but not all of the customer service are gaslighting this situation when there was no fault on my part. Customer service will not give me an eta as to when the funds will appear all they say is call in one or two business days. And the same process will start over again you have. After numerous calls and no action on XXXX XXXX the {$100000.00} was returned but my transfer privileges has been suspended and i can not access my funds. Todays date XX/XX/22 the day im making athe complaint, Its been over a month that this has not been rectified. I need access to my funds so i can make purchases for everyday living. Ally bank has been slow walking this in that they have to verify the account of XXXXXXXX XXXX the new account offering higher interest rates. I have been with Ally for over ten years and the bank i have been making monthly deposit with into ALLY bank for the past ten tears has also been suspended. Its apparent they Ally only like to receive funds not transfer out funds that offer higher and more competitive interest than theirs. I am requesting that you investigate ALLys practice in suspending my transfer privileges, I want to transfer my funds out to institutions of my choosing.
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| 01/22/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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Dealing with Ally financial is a definite run around combined with being lied to by supervisors and representatives. I 've been dealing with complications since last month spoke to XXXX different representatives that gave me different information when it came to bringing my account current and getting a deferment to keep my car from being repossessed. The first guy named XXXX said I was eligible and he was about to give me directive when his system froze and he told me to call back. The second lady said I had to make a full payment the third said set up an online payment and the fourth set up payments on her end and cancelled them when I made a payment over the phone. I was told to wait until XXXX and file for my 60 day extension. I 've spoken to XXXX people one being a supervisor this month. On XXXX I spoke with XXXX and she told me her manager was aware of my situation and was going to approve my extension just to go ahead and make the partial payment by XXXX so I call for the final amount and code to express it and I 'm told it was denied and I need to make a full payment and I was n't notified or called about it I would 've made my partial payment to wake up to no transportation. So I speak to two other reps today and they say my account is going into review for repo tomorrow and their notes do not show they told me the manager was going to approve my extension and it was denied due to a payment that was scheduled in XXXX that came back returned and they apologized because my representative I spoke with in XXXX should have told me to cancel the set up I was directed to make online once I made my payment over the phone. The frustrating piece of it is the lack of information, no one called to let me know what was going on, I was made a false promise over the phone that was n't noted in the file and that 's funny because the calls are recorded but no one can get to those to be held accountable and I 'm being told to call back tomorrow and speak to the initial representative. Ally is only interested in repossession not working with the customer when they have emergency situations.
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| 06/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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This new information pertaining to the dispute number ( XXXX ) The information reporting on my credit report is inaccurate the account should show paid in full and XXXX balance.
This account is showing past due and charged off this is inaccurate information.
THE IRS says that a charge off is canceled debt! The form 1099c is for CANCELLED DEBT, till this day I have not received any such documentation from this company about the debt that was canceled. The company is also supposed to receive a TAX WRITE OFF and also have a INSURANCE built into THE FINANCE CHARGE to cover losses.
15 U.S. Code 1605 - Determination of finance charge 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.
( 2 ) Service or carrying charge.
( 3 ) Loan fee, finders fee, or similar charge.
( 4 ) Fee for an investigation or credit report.
( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.
Through TILA it states that the lender has the FINANCE CHARGE that protects the lender in the Fact that the obligation DEFAULTS. Which means that they have collected on the INSURANCE MONEY already.
Now they put it on my CONSUMER REPORT that this is a charge off. Well according to the IRS any amount over 600 dollars, where a creditor cancels a debt or file a form 1099c. They must send the OBLIGOR/CONSUMER a form 1099c. I did not receive my 1099c for this cancelled DEBT! A cancelled debt means exactly what it says a CANCELLED DEBT! So how did you COERCE me into paying the balance? You have deceived me, you have frauded me, you have robbed me.
On top of that you collected the insurance money, the IRS goes further into a CHARGEOFF or cancelled debt as GROSS or INCOME! You are reporting a CHARGEOFF on my consumer report! Income does not get reported on my CONSUMER REPORT! You are inaccurately reporting this account! Further more you have committed TAX FRAUD!
On top of that you still expect me to pay you.
I need this account closed as paid. As soon as possible
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| 08/01/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I have a loan with Ally Financial for a XXXX XXXX XXXX. I paid {$6500.00} in XX/XX/XXXX to 'pay ahead ' as I knew I had some financial constraints happening in the beginning of XX/XX/XXXX. In XX/XX/XXXX, I was notified that I was past due for my XX/XX/XXXX payment. When I asked why, I was told due to no payment being received since XX/XX/XXXX. When I explained what I had attempted to do, I was told their company does not recognize 'pay ahead '. I asked why I was n't past due for XX/XX/XXXX or XX/XX/XXXX and no one could give me a reason. I scraped for the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments each of these months, all they considered 'late '. In XX/XX/XXXX, I paid off the loan, less what I thought late fees were. On XX/XX/XXXX, after speaking with an 'offshore ' rep and Supervisor, I was transferred 'onshore ', where I spoke with two reps, all the while arguing to speak with an 'onshore ' Supervisor or Mgr. I was finally transferred to a Mgr line and was told she was n't available and I would have to leave a message. This Mgr called me back within 15 minutes and after listening and empathizing with me, she said she would put this in for late fees to be removed. She also promised me a return call with in the next few weeks. In XX/XX/XXXX, I called and spoke with a second 'onshore ' Mgr, who said the fees were not waived ( which I knew ) and said she would look into this further and call me back. To this day, I have not heard from anyone. I attempted today to call in and requested the number for the customer advocate for Ally, this number was refused to me without my account information and then the rep hung up on me. I would like this to be reviewed to have late charges waived and my credit bureau updated. At this point in time, I will not consider Ally for any future loans. I am beyond upset and frustrated with their non-compliance of my requests. I have worked for several banks and have NEVER promised a customer something I have not followed up on. **I am including my ssn in place of the account # as I am completing this at work and do not have the account # with me.
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| 02/10/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
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Web |
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Allys customer service truly XXXX! I was approved for a credit card about 2 weeks ago and today when I called, the customer service rep I spoke with refused to give me any account information even though I am the account owner. I explained that I was approved for the card and received a notification stating that I would receive a card in 7-10 business ; with the contingency that it make take longer because of delays the company was experiencing. The agent I spoke with could have cared less! I asked for my account number because this wasnt given to me and she said no, stating it was company policy. I asked when was I going to receive my card and she said it was mailed on XX/XX/2023. I asked for the tracking number and she said I cant provide you with this information because USPS doesnt provide tracking numbers. I asked why I was having issues with setting up the app, and she advised you will have to wait to activate your card and then you will be able to set up the app. WHAT KIND OF YANKEE DOODLE, ANTIQUATED, OUTDATED COMPANY IS THIS???!!! At this point, Im not sure I really want an account because of the lack of competence in relation to customers being able to access their account information after they have verified their account! I feel like the person I spoke to simply didnt want to do her job and instead lied to me ( i.e. treated me like a crash dummy ) because 1 ) once your account is verified most companies will provide you with your account information, 2 ) USPS provides tracking numbers on postal mail so that you can track your document and/or package dependent on how it is shipped, and 3 ) when customers call in they shouldnt have to keep asking for additional information because agents do not want to do their job! I also asked the agent to verify my address to make sure it was being shipped to the right address and even with this simple request, I had to ask multiple times!! My experience thus far, has been the equivalent of a clown show! I definitely will not be wasting time referring anyone to engage/or give Ally their business because it is simply not worth it!
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| 05/30/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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A few years ago I paid off my XXXX XXXX XXXX which was financed through GMAC. It is my understanding that Ally Financial has taken over the remnants/accounts of GMAC. I contacted Ally Financial beginning XX/XX/XXXX to obtain a " lien release form. '' Since I do not have an account with Ally, I am unable to complete any of these processes on line. Everything must be done via telephone call and U.S. Mail. On XX/XX/XXXX I provided my name, address, VIN # to the person at Ally, spelling the name of street, providing the complete mailing address, and I was told I would receive the lien release request form within 7 to 10 days. ( Reference # XXXX ) Three weeks later, on XX/XX/XXXX, I did not have the form so I called back and spoke to XXXX ( Reference l # XXXX ). I was told the form was mailed on XX/XX/XXXX but learned after questioning that they did not use the complete address -- leaving off the suite number and box number. Therefore, the form would never reach me as my mail box is located within a strip center and the suite number is an absolute necessity. I was then told the form would be mailed out again to the correct address and that I should expect it within 7 to 10 days. On XX/XX/XXXX, after not yet receiving the form, I contacted Ally Financial again and spoke to XXXX. She informed me that the form was once again mailed, confirming the correct address, and then told me to " give it a little more time. '' When I asked her where the form was being mailed from, she said " the Title Department '' and when I asked the location, she put me on a 3 minute hold and after returning to the call informed me the form was mailed from XXXX, MD.
I am experiencing financial hardship due to the COVID pandemic and I am in urgent need of selling my car. This delay on behalf of Ally Financial is causing me undue stress and unnecessary pain and suffering. Even after I do receive the lien release request form, I am concerned -- with their demonstrated incompetence -- that they will further delay my securing the lien release ... causing even more financial stress and strain I need assistance!
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| 01/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
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|
Web |
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On XX/XX/XXXX I applied for a car loan and had XXXX companies run a credit check on my report. This was not a problem as I approved it. However, after securing a loan the same day, I have not given my approval for any further credit inquiries. On XX/XX/XXXX I received an alert on my XXXXXXXX XXXX XXXX that I had XXXX new inquiries on my credit, XXXX from Ally Financial, which was XXXX of the XXXX institutes that had previously already ran my credit on XXXX XXXX. So this was the second time they ran my credit and I did not approve it. I have not tried to apply for a loan since XXXX XXXX. The second inquiry from XX/XX/XXXX was from " XXXX XXXX XXXX XXXX '' and it happened around the same time as the Ally Financial inquiry. I made a phone call on XX/XX/XXXX to Ally Financial and they had absolutely no record of making this inquiry. They could not help me in anyway. Then I called XXXXXXXX XXXX XXXX to dispute these inquiries and they had to make an account for me because apparently they could not find me in the system. I had them freeze my credit so that nobody else can check my credit without me lifting the hold. Then I called XXXX, and they said I could not file for a dispute on these inquiries until I received a inquiry deletion letter from the creditors who ran my credit without authorization. So I called XXXX XXXX, assuming that was the institution that the abbreviations stood for. They also did not have anyone who could answer any of my questions and did not seem to know anything about the inquiry, like they didnt have records of it either. They instructed me to write an email to XXXX to request they dig into it and find out about my inquiry. I sent them an email on XX/XX/XXXX at XXXX XXXX XXXX XXXX and have yet to hear back from them. Today, XX/XX/XXXX, I have just received another alert from my XXXX XXXX stating I had yet again another hard inquiry on my credit by XXXX XXXX XXXX XXXX. I did not approve this inquiry either. I don't know what to do from here. My credit keeps taking hard hits and I can't do anything to stop it and no one seems to know anything about it.
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| 11/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
|
|
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law, ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor My credit report includes the following erroneous information that needs to be investigated and correct : ALLY FINCL XXXX Date Opened : XX/XX/18 Balance : {$0.00}
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| 02/15/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
Older American, Servicemember |
|
I first filed this complaint with the Federal Reserve after making contact with Ally over 12 times with promises someone would reach out to me and customer service Im unable to escalate this to a manager. 2-3 weeks ago I was told my account hold would be lifted XXXX it has not. Ally is also very slow processing my payment. See this history below : Ally Bank sent me a pre approval offer for a XXXX in XX/XX/2022. I accepted the offer and qualified. Once approved, I cancelled a credit card with another bank and when my Ally card arrived, I transferred a balance to Ally. However, my balance did not exceed the approved {$3000.00} limit. I made extra payments on this card all from my same XXXXXXXX XXXX checking account. The one Ally linked and verified. One payment I made a {$1000.00} payment that was processed and posted. Then I started getting charge denials for very small purchases and logged into the Ally App to see why. My account said ON HOLD in XXXX. I called Ally customer service and was told some smaller payments were returned. No email, message nor any notification from Ally about the returned payments. From the same account as my posted payment. Ally customer service kept going silent on me when I asked how payments could be returned when the all came from my confirmed XXXX XXXX account that was saved in the Ally App by me, not any newly typed numbers. Customer service would only say they put a 5 day hold on my account because of the returned payments. Well, my account is still on hold and it is now 10 - 15 days from when I called customer service.
Customer service promised a supervisor would call me at my request. I asked twice over the past 15 days and no returned call. Then I chatted with Ally via Messenger recently and was promised at least times I would get a call. No call back and my account is still on hold. Despite having available {$1900.00} and two test payments I made that posted and cleared. Why is my account still on hold? This has put me in a difficult position, as I already closed my XXXX XXXX credit card account and only keep one credit card - Ally.
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| 08/10/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Unauthorized transactions or other transaction problem
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Web |
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My dog was with XXXX XXXX for about about a week before he almost died in their care. I received a call on Friday morning ( XX/XX/XXXX ) from XXXX saying that my dog was unresponsive and had XXXX XXXX and he had to be taken to the vet for care. Later that afternoon I received a call from her and was told that my dog may have gotten " a little too hot '' while on a walk the previous day and that was the cause of his XXXX XXXX. I was then told by the vet that my dog had a XXXX XXXX on a walk with XXXX on Thursday and that the XXXX XXXX caused a chain of reactions with my dog 's health and in addition to a XXXX XXXX he now had to battle a XXXX XXXX and XXXX which is a XXXX XXXX XXXX which has a bad prognosis and almost killed him. My dog is now in a state where he barely walks and will take several months to make a full recovery. Now after all of this and with my dog back in my care after a week with her she refuses to give me my money back. She also blaims his issues on his " poor health '' from a bad diet but refuses to acknowledge that the initial reason he went in there from a XXXX XXXX that was caused by her exposing my dog to sun for too long without taking care to make sure he didn't get too hot. All I want is the money that I paid for a service that I didn't get back and she refuses to give me my money back or make things right. So I had to file a dispute on XX/XX/XXXX with my bank ( Ally ). The transaction was made for {$3500.00} on XX/XX/XXXX. My bank closed the dispute on XX/XX/XXXX saying they couldn't get the funds from the merchant but the merchant is saying the funds were taken from their account already. They showed me proof it was taken out on XX/XX/XXXX. My bank is saying they tried to take the money from the merchant but they weren't able to but the merchant is saying it was taken out and their bank told them that the dispute was closed and their is nothing that they can do. I just need clarification on where the funds went and who has what and see how I can get my money back. Because I'm not sure if I was lied to or if {$3500.00} just disappeared.
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| 08/09/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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|
Web |
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I was in process of buying a home and my mom had sent me {$10000.00} on XX/XX/2022 to help with the down payment and closing costs in the form of a regular bank transfer. The mortgage lender had already verified all of my funds and the loan was clear to close on XXXX. On the day of funding, XX/XX/2022 I set up wiring instructions with Ally bank to wire the money to the title company so that they can record it and my loan would close out.
I successfully put in the wiring instructions and got multiple email confirmations of it from Ally. Out of nowhere, I get an email from the bank 's " loss prevention '' department asking me to call them. I call them, and they begin questioning my deposit, saying that the deposit " didn't have my name on it '', but instead read " XXXX XXXX ''. I explained to them that my mom sent me gift funds for my real estate transaction. They said they needed to verify that those funds did in fact belong to me.
My concern is, why did they wait until they realized that they were losing {$10000.00} to decide that they wanted to " investigate '' my banking activity? They had over a week and a half to question me about my " suspicious activity '' but waited until they saw that I was transferring money out of my account with them to question it. The last time I spoke with them they were telling me it could take up to 90 days to straighten this situation out. I don't have 90 days to wait for them to give me my money back!
They now have me locked out of my account and will not release my funds to the title company. I'm facing losing the home that I was supposed to close on and losing my earnest money deposit. This is clearly bank fraud. I clearly explained to them where the money came from and why it was there, and why it was leaving. All of this information was verified by the lender.
It's my belief that Ally bank blocked the transaction from going through and is not allowing me to access my money because they fear a decline in their company 's balance. They have caused serious injury to me and my family and their practices need to be investigated.
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| 04/20/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
|
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Web |
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On XX/XX/2017, I purchased tickets to a XXXX XXXX XXXX game from XXXX. The XXXX website stated I would get to select the section I sit in, but instead the tickets were automatically assigned to me leaving me no choice as to where I sat. They made a false claim. The tickets that were assigned to me were very different from anything I wouldve chosen or paid for. I immediately contacted the company to get a refund as this was a very different product from what I intended to purchase. They refused to issue the refund and provided no meaningful reason for this decision. I disputed this charge with Ally as this perfectly fits the criteria for a chargeback since the item I was sold was substantially different from what I received. Ally responded that they would not issue the chargeback because XXXX has a no refunds policy - they have never addressed the fact that the product I received was significantly different from what I was told I would get. In other words, they have no substantial basis for denying my chargeback and they can only move forward by attempting to deflect from the main issue that the product I received was significantly different than advertised by responding with the non-sequitur that they dont issue refunds. They have incessantly lied to me alternating between saying that they go based on the XXXX chargeback policy ( in which case I am absolutely due a refund ) and that they have their own chargeback policy - when I ask for copies of their chargeback policy, I am told that it is confidential and proprietary, clearly indicating that it does not exist. They have also lied about an executive customer relations team reviewing the case and contacting me - nobody has ever done such a thing and it is unclear if such a team even exists. The bank is refusing to abide by their own policies and I have been deprived of XXXX XXXX dollars plus interest as a result. The ethics of the bank are nonexistent as the excuses and lies have come from a multitude of individuals I have spoken to who hold various positions, indicating that this unethical approach is institutional.
|
| 09/08/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
Finance Company : Ally Account # : XXXX Vehicle : XXXX XXXX, XXXX I am the primary on the account, my daughter is the co-borrower and normally she deals with Ally 's foolishness.
The final payment was made XX/XX/XXXX in the amount of {$610.00}, the following statement popped : [ Your final payment is pending. You'll soon have access to our title tracking feature, which will keep you up to date about when your title and/or lien release will be processed. We'll send you an email soon as the title tracker is available on your vehicle details page. ] I received via mail a letter dated XX/XX/XXXX Congratulations for paying off your auto financing with document attached that looked like a title but instead of being blue it's pink with the following statement : [ This is to certify that a security interest has been duly filed with the motor vehicle administration in the name of the secured party below on the vehicle described.
Termination Statement I, the undersigned do hereby release all rights and interest in the vehicle described above ] Signed and dated XX/XX/XXXX additional a sticker with the following information : XXXX XXXX R XXXX. XXXX XXXX XXXX XXXX ( cars VIN ) On XX/XX/XXXX, I contact Ally and spoke with Customer Service Agent XXXX requesting the vehicles title. I was told that the last payment was rejected on XX/XX/XXXX and that Customer Service Agent XXXX " Reallocated '' the payment on the same day.
I checked with my bank, the payment DID NOT come back.
Ally has verified receipt of the final payment for {$610.00}.
However, I received a registered letter dated XX/XX/XXXX " Notice to Repossess after XXXX XXXX. It indicates that the account is in default and need to make a payment of {$470.00} which is suppose to represent the XX/XX/XXXX and XX/XX/XXXX installment ( s ) plus unpaid charges. '' If the final payment was confirmed received. Why is the account in default? What is the additional {$470.00}?
We have had issues with Ally throughout the length of this loan. The final payment was made and I want the Title for the vehicle.
Documents attached.
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| 12/28/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
|
|
Web |
Servicemember |
|
As my lease was coming due I received an incentive from Ally Financial to purchase the vehicle with a {$4500.00} discount. I decided to purtchase the XXXX XXXX XXXX I was advised to contact XXXX to refinance the auto. They are powered by Ally Financial or XXXX XXXX or both. We went back and forth with financing partly due to arriving at a value for the XXXX since it was an electric car.
XXXX came back with an offer and I felt I could do better with my credit union. I did get financing and I closed the loan and the payoff check was mailed.
During the process I started getting phone calls from Ally. The number was XXXX and her name was XXXX. I believe that was her direct line.
I called her countless times and kept her up to date on what was happending and even requested a payoff on two occassions. We were past a couple of months past the termination date. I have no idea what the connection is between Ally and XXXX but they cleary are n't on the same page.
On XXXX XXXX I got a hold of XXXX in person ( returning her call ) and told her that I had closed on the loan and check would be on its way.She was very nasty and threatened that she was going to take back the vehicle regardless. There were some delays on my part due to a family XXXX and adverse medical situation I gave have her my loan officer and the institution so she could validate I went back to the bank on XXXX XXXX and learned that my loan officer was out of the office and would be back on XXXX XXXX. I went back on XXXX XXXX and completed the paperwork. I had my loan officer call and leave a message that the check was now on the way. XXXX did confirm that she left message on XXXX XXXX, XXXX at XXXX. She further indicated having prior discussions with Ally to validate the payoff in accordance with credit union guidleines.
On XXXX XXXX, XXXX at approx XXXX to XXXX XXXX my car was involuntarily taken back. Obviously a malicious action given the above discussions and that the loan was paid off.
Right now I would like to know where my car is and I want it back I will mitigate my damages in a different forum
|
| 07/07/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Older American, Servicemember |
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I would like to explain the problem. I purchased a vehicle through Ally Bank XXXX. The vehicle was stolen and my insurance and gap insurance paid the vehicle off. I called Ally Bank to make sure they had received the money, they stated yes and they had no account number of the vehicle. Then, almost a year, Ally Bank started calling. They said that I owe them a month car note {$650.00} and all of these late fees which was over a XXXX dollars. I asked them earlier about whether they had received the {$23000.00} owed on the vehicle, they said yes and that was it. I spoke with someone and stated I do n't understand why I still owe them. Now, they are calling non-stop. They have even went as far as calling my family members on their jobs. They work at the XXXX and they are not allowed to receive such calls. They ( Ally Bank XXXX are calling and asking them their names and if they know me. They have been harassing me and all family member for a number of weeks. I am not working and I ca n't pay them or anyone else. They start calling in the morning and they do n't stop until XXXX, everyday to include Sundays. I have never been harassed by anyone and I have always made sure that my bills have been paid. Ally Bank is calling cousins, friends, etc. and guessing that they know me. They are asking for me at the their jobs and they are just guessing names or just asking if they know the me. Please help me. They are the worst. I do n't know why they are calling all of these people and I only had my one older cousin as a contact. She has XXXX and they have been harassing her and it is n't fair to her or me. They are just calling everyone telling them that I owe them money and it is important that I contact them XXXX Ally Bank XXXX as soon as possible. It is n't anyone 's business about me. Ally Bank is the worst bank because they are stalkers and they call everyday using different numbers or unknown numbers so you ca n't call them back. The one number I tried calling back after they had called was some place other then Ally Bank. I need them to stop immediately, it is very hurtful.
|
| 06/01/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
Servicemember |
|
I have an Ally Credit Card and have been using it no problem for the last 6 months. Last Month they initiated a process to integrate their website so that Credit Card users and Bank users will go through Ally.com to access their account. As part of this process I lost access to see my account on card.ally.com and had to re-register on the banking website ally.com. I went to the page and entered my information, it then prompted me to send me a registraction code to my phone number or email. The number and email it showed though were both a very old email and phone number that I no longer use so couldn't recieve the code. I called the bank on the number provided and spoke to customer service at the credit card company. They told me they saw what the issue was and had opened a ticket and that it would be fixed in 5-7 days and someone would reach out to me. I went away on vacation and over the time, neve was responded to or provided any fix. After I got back, I called the number gain and I spoke with a manager. She told me that they had sent the information to the bank side which managed the system and thought they had changed it, but obviously it hadn't. She mailed me a letter as they don't email or call with issues, this seems like a silly policy, that said they created the ticket. She said that it should be fixed in 5-7 days, that was a week ago. I also called the Bank number and was told that they can't help me as I don't have a bank account, I said I ahve a credit card and that the Credit Card company said that the bank had to apply the fix. I filed a complaint and gave a very low review on the customer support line. I then called the Credit Card company two days ago. They said that they are working on it, but it still hasn't been resolved but someone would contact me within 48 hours. Nobody has reached out to me yet. I still can't access my account on the website, I was able to pay my bill online, but I need to be able to access my information to manage my account. I attached screenshots of what happened, I don't have the letter yet, but can provide that when I do.
|
| 02/20/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
My car was seized on XX/XX/2023 from the private parking lot of my employer while I was working with no prior notice. I had been unable to make the full payments to Ally Financial for a couple months, but had been making reduced payments every month so, having not heard from them, had no idea my account was in jeopardy of default. It wasnt until After calling the police to report me car stolen, that I found out it had been repossessed.
I called Ally on XX/XX/2023 and they provided me a quote of {$2400.00} and wiring instructions to bring my account current and release my vehicle I wired the money to them directly from my bank on XX/XX/2023.
On XX/XX/2023, the Ally agent confirmed receipt of the {$2400.00} but would not process release of my vehicle. They then proceed to tell me they will not release my vehicle unless I pay them another $ XXXX. When I asked to speak to a Manager, the Ally representative told me that perhaps if I were a married woman then my vehicle may not have been repossessed. Horrified, I hung up the phone a dialed back in, hoping to get a different agent. I have been on the phone with Ally for hours over the past several days. Each time, there is no path to escalate or resolve.
To date, XX/XX/2023, I have not been provided with the location of my vehicle or any information on how to retrieve my personal property from it.
I had to XXXX home from work on XX/XX/2023. I have had to rent a car from XX/XX/2023 to date XX/XX/2023. I had to call out of work on XX/XX/2023 because my work laptop is in my vehicle and will probably miss work again tomorrow if I cant at least find out how to obtain my personal property. I paid a wire transfer fee on top of the {$2400.00} quote in order to have my vehicle released as promised.
Ally misrepresented themselves when providing the initial quote. They provided XXXX communication prior to illegally seizing my vehicle. They have failed to provide the location of my vehicle so that I can collect my personal property. This predatory and misleading practice has caused me significant financial and emotional harm.
|
| 12/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
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I had a leased vehicle that I returned to an authorized dealership listed on Ally Auto 's website on XX/XX/XXXX. I never heard from Ally bank ( they held the lease agreement contract ) after I returned it. As this was my first lease, I assumed that was normal.
XX/XX/XXXX, a repossession agent came to the door looking for the vehicle. I contacted Ally to let them know exactly where the car was returned, with a screenshot of the dealership information including contact info & address. 7 months later, XX/XX/XXXX, I get a " bad debt charge off '' from Ally bank assigning the {$28000.00} balance for the vehicle to me. My credit dropped XXXX points. My husband 's dropped over a 100 points.
There were several attempts over the course of XXXX from the Dealership General Manager trying to contact Ally .... with no answers. He also thought it was odd that no one was looking for the car to recoup their investment. Despite all this nonsense, I found the car in two phone calls. One to the XXXX at the dealership, and another one to the towing yard where it was eventually relocated. Evidently the car sat at the dealership for over a year. He needed to move it for addituonal room on the lot, so he had it towed to another location.
Ally Auto never returned my voicemails and only responded to my emails with generic " We received your message. Due to the nature of this request, we need to speak with you by phone. '' I've wasted time and energy trying to accommodate and rectify this predicament only to be ignored.
I initiated a dispute with XXXX, " resolved, consumer disagrees ''. This seems extremely unethical. They essentially accused me of Auto theft and ruined my credit. Ally knew where the car was located the whole time. The towing lot stayed that they had just received the vehicle within the last week and had just sent a letter to Ally Auto notifying them. The service agent didn't even need the vin number because he knew exactly what car it was. He even stated that the whole situation sounded weird ... ..that the car sat at the dealership that long without anyone claiming it.
|
| 08/19/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
Upon receiving a text message to come to XXXX XXXX and inquire about XXXX XXXX XXXX. I went to the dealership and advised that this would be a Consumer Credit Transaction per 15 U.S.C. 1679 ( a ) Which states " ANY transaction in which credit is offered or extended to and individual for personal, family, or household purposes '' I Let the rep know I did not mind extending my credit to secure and instrument via text we set up an appointment for XX/XX/XXXX at XXXX They ran my credit and I was denied. I informed the finance manager that according to 15 U.S.C 1681 ( B ) a consumer can not be denied and extension of their own credit. I called the banks that I was told denied me which was Ally Financial, XXXX XXXX and XXXX XXXX. I was told XXXX XXXX is an AI and federal Law does not apply to AI. And the other two banks sent me in a runaround, hung-up on and was rude. From my understanding when you put in an application that's what pays for the car because it is a Process, which technically is considered a cash proceed. I advised that multiple people that my federal rights was being violated and everyone ignored me and didn't even bother to look up the code. From my understanding Per 15 U S.C. 1611 criminal liability for willful and knowing violation because this information is public information it is not my fault they do not know this. Also advised that per 15 U.S.C 1679 ( a ) when " when used in connection with information on ANY consumer means all information on that consumer recorded and retained by a consumer reporting agency regardless of how the Information Is stored. I am seeking remedy for this unfortunate situation, Once again I am a consumer and I went to extend my credit which they offered me to extend by asked if I needed a vehicle and offered a test drive that I never got via text message. And they still denied me. Per 15 U S.C 1601 Congress finds that economic stability would be enhanced and the competition among the various financial institutions and other fines engage in the extension of consumer credit would be strengthened by the informed use of credit.
|
| 12/30/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
Servicemember |
|
I contacted Ally Financial Auto Leasing twice before turning in my leased vehicle. I wanted information on how to turn it in early and what the cost would be. I was given all the info I needed and was given a payout cost, which was satisfactory to me. On XX/XX/2019, I turned in the vehicle to a local dealership. As I was turning in the car, I was on the phone with an Ally representative. The representative again told me exactly what to do, then she talked with the salesman and a manager to get some necessary information from them. I signed the odometer statement, per her instructions, and gave over the keys to the dealer. Since that day, I have received multiple calls from Ally bank claiming I was past due on payments. I called them back, multiple times, entered into an online chat, and sent them emails, trying to rectify the situation. Each time I contacted them they claimed they didn't know I was turning in the vehicle, claimed they didn't have any information about the dealer I turned it in to, and claimed I was past due on my payments. Today, XX/XX/XXXX, I called them yet again ( I believe for the 7th time ) to try and get this situation rectified. I asked for a supervisor, waited on hold, then talked with a supervisor. He said that he couldn't help me and that I had to talk a different department. He transferred me, I was on hold for 15 minutes or so, then the new department picked up. Less than a minute into the conversation she hung up on me - no one called back.
After 30 days, seven phone calls, one lengthy online chat, and a couple emails, Ally still hasn't picked up the car I turned in. I did everything they asked and gave them answers to all of their repeated questions, yet still they haven't picked up the car and closed my account. I'm concerned my credit rating will be affected since they keep claiming that I haven't turned the car in and that I am behind in my payments. All they need to do is what they originally promised : They need to pick up the vehicle and send me a bill for the residual owed amount. I have no idea how to get them to do this.
|
| 01/25/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
On XXXX of last year, XXXX I informed Ally bank that I was disputing a XXXX charge of {$59.00} because the food made me XXXX XXXX XXXX XXXX. The process was frustrating, stressful, and induced XXXX XXXX XXXX in response.
I told them that XXXX could not do anything about a refund after 2 months. But it went in XXXX XXXX and out the other. I sent them screenshots of emails from XXXX telling telling me that there was nothing that could be done because after 60 days, they are unable to issue refunds. Ally bank insisted on an investigation that would take 90 days starting on XX/XX/XXXX and it finished apparently three days before XX/XX/XXXX. Saying that the transaction was valid. It's been constant in going back and forth between Ally to XXXX XXXX, from XXXX to Ally bank. I'm tired of being treated as if I'm the XXXX XXXX XXXX XXXXXXXX, XXXX and XXXX on the way to the XXXX XXXX XXXX I'm having them reopen this again because I do not accept their decision. Even XXXX said in an email that it should just be refunded, but apparently they want to hear that from XXXX and I keep telling them XXXX can't do refunds after 60 days.
Ally Bank was the worst mistake I went with. And I am hoping that you guys or even the NY AG can help get my money back as I've done everything possible, filled out their forms, sent it back through Ally secure message but their delay was the reason why XXXX couldn't refund it and they won't even admit that it was their ( Ally 's ) delay that screwed me over. I have experienced nothing but excessive stress, XXXX XXXX XXXX, pounding in my head from dealing with Ally 90 % through the chat function than over the phone. I went with the Chat option because I wanted transcripts of what they said. But I'm done with Ally. I'm done with their drama, their politics, their gaslighting, their placating, I've had enough.
I still have all of the emails I have from XXXX and then the received messages from Ally that I can screen shot. When I told them I was going to contact the CFPB and the NY AG, I got the strongest sensation that they thought I was XXXX.
|
| 07/05/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
I purchased my XXXX XXXX XX/XX/XXXX, 2013, at the time of the purchase Ally Financial Inc. and Ally Bank ( Ally ) was the bank who offered me the fraudulent loan on my vehicle. As an XXXX XXXX female borrower, I believe there was predatory lending involved in my loan and I paid a higher interest rate and continue to pay unusually higher fees for my auto loan because of Allys discriminatory pricing system. Though at the time it did not all come together over the life-time of my loan I have bean to see that was charged and interest rate that was significantly higher and the loan continues to report inaccurately regarding late payments. When I make my on-time payments to Ally they tack on this exorbitant fees that they classify as late fees. But the payments are not late. I continue to be overcharged because of of my race and gender and am a victim to a very sick system that continues to violate the rights of people of color and women across the country. When I financed the purchase of my XXXX from the auto dealership, the dealer facilitated indirect financing through Ally. Ally set a risk-based interest rate, or buy rate, and then allowed XXXX to charge me a higher interest rate when they finalized the deal with me. This rate was solely based on my race and gender. The ECOA prohibits creditors from discriminating against loan applicants in credit transactions on the basis of characteristics such as race and national origin. Allys discriminatory pricing and compensation structure has caused me severe damage on my credit report. I have paid for the car almost two times over at this point and still owe {$13000.00} after 4 years of consistent payments. I have attempted several times to clear this up with Ally and to get the erroneous errors on my credit removed and the loan updated or removed and they continue to attest that I am wrong. Ally you are thief and a predator. You pray on women and minorities and this can not go unpunished. I am writing to have all derogatory items removed from my credit report and the fraudulent auto loan be paid in full.
|
| 04/20/2022 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Due to covid I am experiencing extreme difficulties with this debt I was in an accident on XX/XX/XXXX XXXX where I was struck by a car on the driver side of my Vehicle. My car was deemed a total loss, my insurance was actively pursuing the car that hit me insurance until ally finical closed my account and has written the account off as profit loss. I have sent Ally finical emails and letters to only get no response by the letters, no response by emails and to only to only get re directed to a 3rd party company by phone who now has my account for any answer in regards of my credit being affected and to pay off the account amount. Since Ally has written the account off as a profit loss they will not respond to be me and will not teat me like a customer I was before. I have paid my car note on time regardless of the car being totaled loss every month until my account was closed as profit loss by Ally When I contacted the 3rd party company XXXX XXXX, they insisted that they could not speak to me in regards of my credit and that I needed to pay them the remining balance. They offered me a settlement and told me that I needed to pay the settlement in order settle my account with ally. I have been trying to contact Ally directly and keep getting re directed by them back to this 3rd party company that is demanding me to pay almost XXXX in a settlement. I have recently paid XXXXXXXX XXXX on XX/XX/2022 amount {$500.00} and on XX/XX/XXXX, to XXXX amount {$1000.00}. They have yet to send me any kind of receipt or email stating what I paid for nor the amount reflecting the changes. The only way I can see the payment is on ally finical account. I can not see the taxes or fees nor the contract of the settlement XXXX XXXX has written or charge me. I then told them that I will need to set up different or smaller payment arrangements due to covid. XXXX then told me my settlement would be voided and that the agreement would be off. Yet they continue to call but I am not allowed to speak with someone from ally in regards of my account being charged off and deemed a profit loss.
|
| 05/16/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
I received my paycheck/bonus on XX/XX/23 into my XXXX Checking account, and proceeded to transfer my bonus payment to my Ally Savings account. When I went to transfer {$6000.00} from my checking account to my savings account, Ally Banking App sent me an " error '' message and told me that my transaction could not be complete after I submitted it. I just chalked this up to being in an airport at the time, so I figured I would try the next day.
On XX/XX/23, I proceeded to submit a deposit for {$5000.00} from my XXXX Checking Account to my Ally savings account, and this time my request was processed, and was given a message stating that my request was successful. I did not think anything of it until I received an email yesterday morning showing that my transfer I originally put in on XX/XX/23 actually processed even though it gave me an error message initially. At this point today XX/XX/23, I was not able to cancel my request that I put in on XX/XX/23 ( due to error on my first attempt ), so this in turn massively over drafted my checking account.
I tried this morning XX/XX/23 to transfer back my {$5000.00}, and again, I received the same error message from Ally bank. I contacted their customer service line, and they said that this is a known issue, and that their IT department is working on it. When I asked for a timeline on when this will be fixed, they were not able to give me anything. These error messages that Ally Bank are responsible for are making this situation incredibly financially stressful for me, and with bills being take out of my checking account automatically, and with no timeframe given by Ally on when I will be receiving my money back, I am stuck paying for my expenses without any money in my checking.
Additionally, I am not going to be charged an overdraft fee from XXXX that is clearly no fault of my own. I really hope that you all can help as I pride myself on being financially independent, but this issue could potentially affect my financial responsibilities for months to come. Thank you all for your help - I appreciate it immensely.
|
| 04/14/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
Older American |
|
I currently have two balances with Ollo Card. Most of my balance is a balance transfer that carries 4.99 % interest until XX/XX/XXXX. The high interest balance has had several interest rate increases over the past year because of the Fed raising rates almost constantly. My issue is that even though I send in payments that are over-the-minimum, the over-the-minimum payments are NOT being applied to the high interest balance, which currently sits at 27.49 % I have not used this card at all since XXXX of XXXX, other than the balance transfer that took place on XX/XX/XXXX. At that time, the high interest balance was {$1300.00}. Since XXXX of XXXX, I have paid {$800.00} OVER the minimum payments, which should have been applied entirely to the high interest balance, but has not been. My current high interest balance is STILL over {$700.00} - {$700.00} according to the XX/XX/XXXX statement. Had my payments been applied as required by law, my high interest balance should now be {$540.00}. I believe that Ollo is purposefully keeping my high interest balance as high as they can so that they can accumulate as much interest as possible. Since the Fed began raising rates, my interest rate has jumped over 5 points which has been very profitable for credit card companies like OLLO.
At one point between XXXX and XXXX of XXXX, my high interest balance actually INCREASED by XXXX cents!! How is that even possible when I always pay over the minimum AND I have not used the card since XXXX of XXXX?
On XX/XX/XXXX, XXXX XXXX EST, I spoke with XXXX at Ollo customer service regarding this matter. She referred me to her supervisor whose name is XXXX. XXXX told me that this matter would be researched and that I would receive notification of their findings within 30 days via US Mail. I have given them two statement periods to correct this issue and nothing has changed and I have not heard anything from Ollo via email or US Mail.
I believe that Ollo Card is in violation of The Card Act of 2009 by not applying every penny of my over-the-minimum payments to the high interest balance.
|
| 07/23/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
My car was repossessed XXXX XXXX, 2015 and i had an amount due of XXXX including past due charges finance charges as well as the repossession fee of XXXX. I had a month to do so it took Ally Financial 5 days to give me information on redeeming my vehicle. When i finally received the information i started gathering my funds. They gave me a month to pay the XXXX in FULL, they were not taking partial payments. I up called the tow yard to see how much a day was the fee and they stated " For ally we do not charge for storage fee '' Ally tried adding on XXXX $ of storage fee onto the top of the XXXX. Every time i called i had to explain to them the place my car was held had no storage fee some representatives refused to remove the fee. I ended up redeeming my vehicle paying XXXX in FULL on XXXX XXXX, 2015 i did receive an 7 day extension to redeem my vehicle. After bringing my account down to XXXX $ they added a hidden fee of XXXX on my account a couple days later which is adding late charges to my account. Its now XXXX XXXX, 2015 I 've been calling Ally explaining my situation for 3 weeks now and they have still done nothing, all the of reps claim they will note my account and they note very little leaving me a whole story to explain they told me i have to talk to redemption and i did call them as well as the tow yard and redemption states " we did not put any charges on your account because we would n't have released the vehicle if there were remaining charges left, you have to pay the amount owed before redeeming your vehicle ''. So i then called the storage company and they states " There are no charges left pending for that car ''. So that leaves me to believe they added some random charges to my account and they are trying to cover their selves. I spoke with a lady in Texas and she told me that i probably wont be able to dispute the charges because its something i owe. When state law states all charges must be paid in full before redeeming your vehicle. Im paying my care note on time and trying to refinance my car and i cant because of charges on my account.
|
| 09/18/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Servicemember |
|
I have attempted on numerous occasions to speak with an ALLY ( formerly GMAC account ) representative to provide me current and accurate information regarding the status of my lease account. An Abstract of Judgment was filed and recorded against me on XXXX, XXXX. Since then, the debt was discharged and a XXXX was issued to me. When contacting ALLY ( XXXX - Acct. # XXXX ), they have informed me that there is nothing else needed from me and the current balance on aforementioned account is XXXX. I requested this information to be updated accordingly as I am in the middle of a refinance to reduce the interest rate on my VA loan. Because they did not provide this information, I was denied credit and will continue to pay the higher interest rate until this information is updated. Once updated, I will attempt again to refinance but will be forced to pay at a higher interest rate until this is resolved.
I called on the following days : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each call lasted well over half an hour and all with similar empty promises made by supervisors and ALLY representatives. The first time I called, they agreed to email a document that reflected the current status of my account. That never happened. 2nd time I called, they acknowledged the fact that they agreed to email me a document but were unable to do so and would instead overnight me a statement of account. That never happened. I called a third time and they stated that someone from " upper management '' would contact me ( they only made this offer after I informed them my next call would be to the CFPB ). The call never came.
My goal is to attempt another refinance, while interest rates remain low, so I would appreciate a response from ALLY as soon as possible ; especially given the fact that they have already agreed to this in 3 recorded and monitored phone calls.
As a Veteran, I have become accustomed to a higher standard of service and am extremely disappointed in how ALLY treats their customers and all their empty promises. Thank you in advance for any assistance you can provide.
|
| 12/04/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, I applied to refinance my mortgage with Ally Home Loans. The statement on their website is " If you already have an Ally account, we will pay {$500.00} towards your closing ''. I have an account with Ally and wanted to take advantage of the lower interest rates in the market. I applied and the offer at the time was 2.9 % for a 30 year loan. Wanting to lower my payment further, I applied to purchase points to get a 2.375 % rate for the 30 year loan. In the initial disclosures, the point cost was roughly {$5800.00} with a {$500.00} discount ( the {$500.00} towards closing promised ). During the remainder of the month, we completed all of the paperwork for closing. After all of the information was settled, the loan amount was estimated to be {$390000.00}. Part of the closing costs was {$8200.00} fee for 2.103 points being purchased. I did research and came to an understanding that : 1 point = .25 % discount ( standard among lending institutions ) Purchasing of 1 point cost = 1 % of the loan ( standard among lending institutions ) According to our loan, the following would then apply : 2.9 % ( rate w/o points ) - 2.375 % ( rate with points ) = .525 % discount .525 % discount / .25 % ( discount per point ) = 2.1 points 2.1 points = 2.1 % of the {$390000.00} loan value = {$8200.00} points fee ( small difference due to rounding from 2.103 % ) I asked about the {$500.00} discount, which was supposed to be taken out of the points fee, and they responded that it was already included. They further responsed that they would have charged me {$8700.00} ( {$500.00} more than the standard among lending institutions ), but discounted that fee by {$500.00}. Basically, they are overcharging me {$500.00} for points and then discounting that overcharge to bring me back to the standard among lending institutions. I verified that XXXX XXXX XXXX would have charged {$8200.00} ( 1 % of the loan per point OR {$390000.00} x 2.1 % = {$8200.00} ) per their website : XXXX : XXXXXXXX Ally should only be charging me {$7700.00} ( {$8200.00} standard - {$500.00} discount ).
|
| 08/31/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
Good Afternoon, I financed a XXXX XXXX XXXX thru XXXX which was then transferred to Ally Bank. The car was titled in Maryland, the VIN number is XXXX. The car and loan were included in a XXXX bankruptcy. After filing the bankruptcy, I was contacted by Ally bank and asked if Id like to keep the car. They offered to reaffirm a new loan balance with a new affordable payment. I accepted and paid the entire re-affirmed amount on time and in full. It has been five years since the loan has been paid in full. I actually purchased a new vehicle and also financed with Ally and paid that loan in full as well. I have been attempting to get the lien release from Ally with no success. I was transferred from one department to the next with no success. Every time I call I am told something different. In trying to escalate my request I finally talked to a manager who told me that the lien release was being mailed to me and that I would receive it in 7 to 10 days. I waited a month before calling back again. I have been going back and forth with them for almost a year now. I am now being told that there is an outstanding balance that was not reaffirmed that needs to be paid. They are telling me that I am not responsible for the balance and that they are not attempting to collect it, but that they dont have to release the title. I paid the reaffirmed amount in full and they acknowledge that. The lien should be released as I have paid the reaffirmed amount in full. Without the clear title I can not dispose of the car. It wasnt until I was attempting to trade the car in at a dealer that I realized I did not have the lien release. I dont know what I am supposed to do with the car now. I paid the amount in full that was asked of me when I reaffirmed with Ally. They said legally Im not responsible for paying it and they are not attempting to collect it yet they wont provide me with the release unless I pay it. The case number that Ally has assigned to this problem is XXXX. Additionally Ally can be reached at XXXX option 4. Thank you in advance for helping me to resolve this issue.
|
| 04/10/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
Since late last year in the XX/XX/XXXX timeline, Ally Bank, despite advising me that I qualified for a payment extension of part of my amount due, has refused to extend my payments as it has done for others and as XXXX, our other vehicle loan bank, has done. At one point, they literally put a gun to our head and forced us to make a payment in the amount of XXXX dollars via an instant payment service and then told us our extended payment had not been approved. The latter, after the representative had told us that we qualified and had been approved, in addition to telling us that the payments would have to be 90 days past, at least, before they consider sending it for repossession. In addition, they continuously call our home and cell numbers and harass both my husband and I.
In the meantime, they are collecting and adding {$20.00} of late fees that continue accruing, now totaling {$290.00}, in addition to continuing reporting derogatory information about my person to the credit bureaus on a monthly basis. Their XXXX-based call centers are full of incompetents who are always escalating to the next level up and when one believes there is a solution, they hang up and one has to start the process again. Today, I tried to discuss the issue with them again and the same result. Fed up with the biased, prejudiced, discriminatory, predatory and bad-faith actions of this bank. Why is Ally disallowing me what it allows others to do? No difference is circumstances. I am tired of the cat and mouse game and am calling them out on it.
I look to your forwarding of this complaint to a most despicable financial institution, one that has a track record of abusing and discriminating minorities. It seems the fines levied against them for abusive discriminatory practices have not taught them the lesson.
I am not worried about the vehicle being repossessed as I am presently only {$300.00} of the {$400.00} for the XX/XX/XXXX payment behind and the next payment is due on XX/XX/XXXX, with a no penalty, 10-day grace period.
Thank you for your assistance. XXXX XXXX.
I do not
|
| 05/21/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
I would like to file a complaint against Ally Bank for paying a {$19000.00} electronic debit against my checking account at a time my balance was only {$3900.00}, leaving my checking account seriously overdrawn and leaving me unable to pay other bills.
I recently made a balance transfer of {$19000.00} to a XXXX XXXX credit card that I had not recently used. I was not aware that I had previously set it up to have the full balance paid each month. On XX/XX/20 XXXX XXXX initiated a payment of the full credit card balance of {$19000.00} to Ally. At the time my checking account balance was {$3900.00}, with a reserve balance of {$10000.00} in my linked money market account. The combined balance of these two accounts of only {$14000.00}. Despite the shortfall of almost {$6000.00} Ally transferred {$10000.00} from my money market and paid the electronic debit, leaving my checking account overdrawn by {$5900.00}. Since Ally not only paid an item overdrawing my checking account, but depleted my savings account as well, I am left without any funds to pay any other items that come into my account between today and whenever I can get the situation straightened out. This could lead to a cascade of overdraft fees, as well as embarrassment. Additionally, since my money market savings account was also depleted, we are left no funds available for any day to day expenses.
When I contacted Ally, they indicated all they could do was open an investigation and offered no explanation as to why they would pay an item that caused such a substantial overdraft to my account rather than returning it for insufficient funds. They said they were unable to provisionally credit my account while the payment is reversed, unless the investigation went beyond the 10 day period.
I have contacted XXXX and requested that they reverse the payment. They have agreed to do so, but the process could take up to 2 weeks to be completed, so it will not undo the harm, frustration, and financial hardship caused by Ally paying an item that clearly should have been returned for insufficient funds.
|
| 03/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to report an issue with a financial institution that has caused harm to my credit score. My bank, Ally Bank, has been reporting incorrect information to the credit agencies, despite my attempts to rectify the situation. This misinformation has significantly impacted my ability to obtain credit and secure loans.
I believe that Ally Bank 's practices violate regulations set forth by the CFPB and my rights as a consumer. I urge you to investigate this matter and ensure that consumers are protected from these unfair practices. Please take action to hold Ally Bank accountable for their actions and correct any erroneous information reported to the credit agencies.
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Ally Bank for their egregious and unlawful practices that have caused significant harm to my credit score and financial standing. Despite fulfilling all my obligations and making all payments on time, Ally Bank has been falsely reporting that I have an open account and have been making payments until XXXX of XXXX, well after I returned the vehicle on XX/XX/XXXX.
In addition to these fraudulent reports, Ally Bank has also been reporting that I am not making timely payments and that I am making late payments of {$120.00}, which is wholly incorrect. These deliberate and intentional actions have caused me severe financial harm, and Ally Bank has even sent my account to collections, despite my full compliance with the lease agreement.
I believe that Ally Bank 's actions violate not only the regulations set forth by the CFPB but also the fundamental principles of fairness and integrity. As a consumer, I should not have to suffer due to Ally Bank 's fraudulent reporting and unlawful collections efforts. I urge you to investigate this matter thoroughly, hold Ally Bank accountable for their actions, and ensure that they take corrective measures immediately.
Thank you for your prompt attention to this matter.
Sincerely, XXXX XXXX
|
| 03/18/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
i purchase a vehicle from ally financial the total of the car {$9300.00} without taxes and interest added so after everything was added i finance {$10000.00} for the car it self and then it was {$2500.00} added for finance charges for the 48 month loan which brought my debt to {$13000.00}. paying {$280.00} a month for 24 months which totals the {$13000.00} ... now my issue is that my car got totals 19 months in have the loan.. so the insurance only paid off {$6600.00} the blue book value.. and after what i paid i got a bill in XXXX XXXX saying i owe them XXXX balance and at that time i was told my next payment was n't due until XXXX XXXX because they calculated the payments as advance payments.. but they did issue another bill in XXXX fixing the error saying my next bill was due in XXXX XXXX for {$280.00} prior before that on XXXX XXXX XXXX i start paying them {$15.00} a week just to be paying towards the bill so now i have paid about {$200.00} towards that bill, so i call in so they could subtracts what i had paid so far but they act like they had n't got any payment from me, so i kept paying up until XX/XX/XXXX because they would never acknowledge my payment so i stop paying them after reading my contract say my payments could be cheaper if my car got paid off early, so i inquire about that, but they would n't give me no information on that ... my contract charge me {$2500.00} for 48 months so if i paid it off in less then 24 month i should n't have to paid the full interest, they should 've have gave me a paid balance subtracting some of the interest, how can they still charge me for the 48 months interest when the car is almost paid off plus they where charging me a daily interest as well they said, i have all my receipt could you please inform me if they can continued to charge me for the full interest if i paid them off early, plus they have not subtract what i been paying weekly, i sent then a copy of my bank statement showing what they where taking out my account.. please help they are robbing customer taking extra interest from customer ...
|
| 07/04/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
To whom it may concern, I wish to report an incident that occurred between me and Ally Bank on XX/XX/2022. I was sent a payment of {$370.00} through the XXXX XXXX, to my bank account at Ally Bank. This was an amount owed to me by someone that I know, who reimbursed me for a service provided, which I have a receipt for as proof. A few weeks after the payment was made, the person who made the payment contacted their financial institution, which is XXXX XXXX XXXX, with a claim that they sent the funds to the wrong person, and challenged the payment demanded back the funds. Per the terms and conditions of XXXX, XXXX transfers are irreversible, and not refunded if both people are verified members of the XXXX network.
I checked my account one day, and noticed that the balance was not correct, and called Ally Bank to find out why there was a discrepancy. They informed me that they sent the money back to XXXX Bank as an ACH Debit without informing me, and regardless of the fact that they had no legal right to return the funds. They also advised that it would not be possible to dispute the transaction. I spoke to Ally Bank numerous times and told them I have the proof that the payment was valid, and that she sent she funds to the correct person. Allys response was to either hang up, or refuse to deal with the matter, regardless that they knew that they had no right according to XXXX terms and conditions to return the funds ( which is why they did it as an ACH Debit ).
Ally Banks attitude and illegal policy based on made up rules shows they have no concern about the law, policy and have no regard for their own customers. Their attitude toward their own clients is reprehensible, and they are in violation of the Federal Bank Act. The FTC will also be informed of their violations and be asked to review any other complaints to see how many times Ally has done this in the past, and ask that the FTC start criminal action against this bank. I want that this complaint to go public, so that in the future they will never do this to any of their customers again.
|
| 03/15/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I purchased a vehicle ( XXXX XXXX ) from XXXX XXXX on XXXX/XXXX/XXXX. They arranged financing through GMAC ( I will attempt to attach the Dealer Transaction form ). The automobile was titled in my husband 's name. My husband is now deceased. I am trying to get a lien release on the title from Ally ( a company who apparently bought out GMAC ). They are claiming I owe late fees on he loan ( which was paid off in XXXX of XXXX ). The payments were made via automatic draw from my account for 72 months. At no time did GMAC or Ally notify me that I owed late fees ( which I could not have owed due to the automatic payments ). I have made three calls to Ally - XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I insisted I talk with a supervisor to dispute the late fees. I was connected to a man identifying himself as XXXX ( he told me he was a supervisor ). He agreed after our conversation to waive the late fees and said he would fax to me the lien release which I would receive in XXXX hours. He gave me a case number XXXX.
I called Ally again on XX/XX/XXXX as I had still not received the faxed release. I was transferred to XXXX different people during this call ( over 1/2 hour on the phone ). I was told that there were no supervisors available and they did not know who XXXX was. They continued to insist that I owed late fees. When I asked them why I had never received notice of late fees in a timely manner so that I could dispute them - they said the address they had on file was different than what I was giving them. The last man I talked to said " It is your responsibility to contact us if you move ''.
I have lived at my current address for 18 years. The correct address is listed on the dealer transaction form. It was an error on their part ( or GMAC 's ) if they have the wrong address. I feel as though they are extorting money from me by withholding the lien release until I pay money that I do not owe. I have asked repeatedly to talk to a manager and was told they do not have any managers available. Please advise me as to what my options are.
|
| 10/05/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
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I went to XXXX XXXX XXXX, Md to look at used cars on XXXX XXXX. I was going to co-sign a loan for my sister because she doesn't have established credit accounts. My sister picked out a XXXX XXXX XXXX and we took it for a test drive. The salesman that greeted us name was XXXX. We went inside to apply for credit we were shown a printout with corresponding interest rates to fico scores. According to the printout my fico score of XXXX corresponded to somewhere between XXXX XXXX something. After XXXX the salesman copied and recopied information several times he came back and said we only qualified for 13 % interest and couldn't even get that without {$3000.00} down payment. I suggested to XXXX my credit application should be ran with lenders I have a relationship with. He assured us the credit application was ran with many lenders with the best possible rate. We left the dealership but decided to go back the next day. I decided to co-sign for my sister. Again XXXX assisted us we were there for hours signing and resigning the same papers over and over. Finally we were sent to the finance manager who was fully aware I was to be the co-signer on the loan. My sister traded a XXXX XXXX XXXX in on the loan which she was credited {$200.00} for. I got a letter in the mail from Ally Financial on XX/XX/XXXX stating that because if misrepresented or omitted information they determine I'm the owner of the XXXX XXXX XXXX. Me nor my sister omitted anything on the loan application I'm supposed to be the co-signer. I have talked to Ally financial and they say they can't change the names of the signer and co- signer because they just buy the loan from XXXX XXXX and they determine signer and co- signer. This is even though the dealer misrepresented or omitted information on the loan application. I also have found out my application was only submitted to Ally Financial which is a subprime lender. I believe this what resulted in a higher interest rate. I was also told that we could only get a 48 month term because the auto is seven years old I believe this is a lie.
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| 03/23/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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Started the refinancing process with Ally bank on or around XXXX XXXX. I was approved, and a rate of 3.3 % was locked. The appraisal was waived ( see attached ). All pertinent information was provided, reviewed, and completed by Ally 's staff, and closing was scheduled for XX/XX/XXXX. However, I encountered a problem with the closing rep, and I requested another rep to finish the process. I have a lien of {$20000.00} that was supposed to be added to the loan, ( " The Subordinate Deed of Trust is being added to your loan to be paid off at closing. Once fully added a new loan estimate will be sent to you for review '' from XXXX XXXX on XX/XX/XXXX ), but the reps failed to complete this process prior to closing. As such, I was told by the closing agent, XXXX XXXX, that the team was going to correct the issue, and closing needed to be rescheduled for another date.
I received an email from XXXX XXXX on XX/XX/XXXX stating my rate went from 3.3 % to 3.5 %. On XX/XX/XXXX, the rate went from 3.5 % to 3.625 %. I disputed the rate hikes because I was a day from closing with a rate of 3.3 %. XXXX stated he would seek a " concession '' because of the mistakes on Ally 's part. XXXX days later, he informed me that the concession was only {$250.00}, which would not change my rate. I told him that was just unfair, and he states he would escalate the issue to another team.
Today, XX/XX/XXXX, I received an email from XXXX XXXX stating '' Your appraisal has been ordered. '' Bear in mind that this process was waived early in the process, and we were in closing. Moreover, I was not aware of the appraisal and I did not approve it. I also received an email from Collateral Inspections requesting that I choose a date for next week.
It appears Ally is doing everything to get out of this deal now that interest rates have gone up. They are using the appraisal against me because I informed XXXX XXXX that my daughter and my husband are unable to be exposed to anyone during the pandemic due to underlying health conditions. This is unfair, unethical, misleading. A
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| 01/28/2016 |
Yes |
- Bank account or service
- Savings account
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- Account opening, closing, or management
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Web |
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I applied for an Ally Bank online savings account on XXXX/XXXX/XXXX and transferred, via ACH, {$1000.00}. On XXXX/XXXX/XXXX I logged on and the screen informed me the account was blocked. I called and was assigned Loss Prevention Specialist XXXX XXXX XXXX. I was told to provide copies of an original social security card, recent mail to my address and a state issued photo id. I supplied a copy of my passport, which expired in XXXX XXXX, plus the other XXXX items requested. I am not going to renew my passport until my hair and eyebrows grow back. I am not planning on making any foreign trips, nor even getting on an airplane for a while. My XXXX make getting my drivers license problematic for the foreseeable future.
I was informed that the passport was not acceptable since it had expired and I had to provide a " state '' photo id. I asked for an alternative, such as providing a notarized affidavit or something similar. On XXXX/XXXX/XXXX, late in the evening, XXXX XXXX told me I could not get my opening deposit back either. I specifically asked for the opening deposit to be sent back the way it came. I am sure the transaction shows the routing & accounting numbers of my account at XXXX. She said that was not going to happen. She asked if I wanted to speak with her supervisor.
XXXX XXXX called on XXXX/XXXX/XXXX and left a message for me to call her. I called her back the next day and left a message as XXXX XXXX works an XXXX XXXX to XXXX XXXX shift. I asked for our communication to be via email or USPS mail going forward so there would be a documentation trail. I also mentioned that I would like for someone to handle this matter for me and asked where I send a power of attorney or how to handle designating a proxy for me. XXXX XXXX left another message for me to call her on XXXX/XXXX/XXXX.
I mailed a complaint letter to the CEO, XXXX XXXX XXXX on XXXX/XXXX/XXXX. I have not heard anything as a result, nor do I expect to. I have since taken the opportunity to read the complaints about Ally online and regret not doing my homework beforehand.
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| 09/12/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
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Hello, I had a Credit card with OLLO which merged with ALLY. I paid my bill the same as always and they lost my payment. Customer service told me it was my fault and I must not have made the payment on time. They charge me interest and a late fee, I speak with supervisor and told them the payment was made. They say nothing they can do. Then my payment ends up showing up so I call and ask what happened and they say the payment was made on time so they reverse the interest and late fees. At this point I tell the supervisor on a 3rd time having to call and sit on hold that I want to close my account. They lost my payment blamed it on me and then charged me a late fee. There never was an apology or anyone admitting they screwed up so I was fed up and closed the account. I still had {$210.00} in my rewards. I spoke with customer service in early XXXX and let them know i would pay the balance except for {$210.00} that the rewards I earned would cover. The person I spoke to said it would be applied to the balance on the next billing cycle ( XX/XX/XXXX ) that came and they never applied my rewards so I called again end of XXXX and spoke with supervisor XXXX who said she would open a ticket and they would call me and the rewards would be applied by XXXX. That date came and the rewards still were not applied so I called again yesterday and spoke with supervisor XXXX ( XXXX ) who told me the same thing and that she does not have the authority to apply my rewards to my balance. I asked for a manager and was told none were available. I'm filing this complaint because ALLY CC does not want to give me the rewards I have earned and now they are telling me the balance is due XX/XX/XXXX but I have that balance in my account in rewards which they are refusing to apply to my account because I closed it. All I want is the rewards I earned applied to my balance or a check for the rewards mailed to me, can you please help me with this matter because ALLY CC is refusing to connect me with anyone that has any authority or knowledge to get me my rewards. Thanks
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| 09/28/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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We simply want this mistake removed from our credit report as they are acting unreasonably in regards to our complaint.
We had a vehicle loan with Ally Financial financed on XXXX/XXXX/XXXX. We have paid all monthly {$940.00} payments online. We have never been late beyond our grace period with any of our XXXX total payments made to Ally. Our last monthly payment to Ally in the amount of {$940.00} was made online on XXXX/XXXX/XXXX at XXXX pm. Our personal Ally Financial " dashboard '' where payments are made online, said in bold XXXX letters " Next Payment : {$940.00} XXXX XXXX : XXXX/XXXX/XXXX ''. We complied as usual and made our XXXX payment to Ally on time ( XXXX/XXXX/XXXX ) within the allotted grace period.
We are in the process of purchasing a house. Our lender was finalizing papers when it was brought to our attention that our XXXX XXXX had dropped XXXX points due to an apparent late pay on our Ally Financial vehicle loan. This apparent " late pay '' is described above. In order to proceed with our house purchase, the above must be resolved in a timely fashion and removed from our credit report.
We contacted Ally on XXXX/XXXX/XXXX to resolve the mistake. " XXXX '' from branch XXXX collections was able to confirm that our payment was indeed made on time and " was not late. '' He was not able to send me an email or fax to show my lender his findings, however he was able to " send a billing statement via mail '' which should arrive within XXXX weeks. We requested to be transferred to someone higher up that would be able to get us something on paper clearing up the mistake, that day, whether it be by fax or email. We were transferred to " Shy '' in consumer solutions. She was of no help and said we had to file a credit dispute which would take a month.
We will lose our contract on our new house by the time they are able to clear up their mistake and have this incorrect negative removed from our reports.
We went to our credit union immediately, the same day and refinanced this auto loan to avoid any further " issues '' with Ally.
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| 04/09/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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WE have had several leases through other finance and car companies. This was my first experience w Ally Bank, with terms and conditions like no other finance company.
I assumed a the last 30 months of transfer car lease through Ally Bank. I contacted Ally in XX/XX/2019 to understand lease end terms and options for the end of the lease in XX/XX/2019. I was offered a lease extension for 30-90 days at {$150.00} over the usual lease payment ; a payment increase was not mentioned in any phone call, let alone an increase of that size. I was told that anytime during my lease extension, I could turn in the vehicle at a dealer. We turned in the vehicle, to the original dealer, 30 days into the extension. I contacted Ally to inquire about the inspection and I was told at that time ( not before ) that I was responsible for the vehicle until it was sold at auction. They were aware that the car had already been turned into the dealer - this seemed odd. since they also told me that sometimes this auction could take up to 90 days. I called again and asked again about the inspection and was told the first inspection was incomplete, although no one could tell me why and they were unaware why another inspection had not been scheduled. I requested that they schedule another inspection. 2nd inspection was completed 7 weeks after car was turned in. In the midst of all this Ally changed computer systems, which every Ally person I talked to, has been an issue. I received a letter in XXXX XXXX nearly 8 weeks after was returned ) stating that I owed over {$1600.00}. The letter stated that the car had been smoked in ( I do not smoke ), only one remote was returned ( both remotes returned to dealer ) and that I agreed to a 90 day extension, even though I had been told by several customer service people prior to the extension and after that I could return the vehicle at anytime. I have over 30 phone calls prior to the end of lease and after the end of lease and have talked to over 10 Ally departments. Misinformation and incomplete information has been the norm.
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| 12/21/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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The issue is with one simple transaction that I sought to dispute with an unresponsive online business who has repeatedly failed to process transactions as instructed and instead used ACH to process. In this case it was a small transaction.
I complained through ALLY. Ally then called to verify my complaint. After some discussion they explained the policy of ALLY to shut down all ACH transactions. This was not agreeable to me. As a consumer, this process may be or become punitive in nature.
The ALLY procedure, as it was explained, permanently shuts down ACH on ALL transactions. This would cause great damage to my reputation, financial ability, and credit score.
I asked to not have the complaint and asked it be rescinded or reversed - I was told this is not possible. Again, damaging.
This issue was with XXXX transaction with XXXX merchant. It is damaging to consumers to have such a policy. There is no ability to turn off disputed ACH items on ALLY.com - again potentially damaging.
I want this repaired. If not I will bring my complaints to federal authorities. Its not that I want to spend time on this simple issue, it is that now ALLY has caused me great trouble and cost over a simple matter and potential damage to my finances. Consumers rely upon these transactions and it is improper to have a policy to resolve a simple matter that causes damage to consumers in the process.Consumers should have the ability to turn a specific complaint on or off on a specific transaction or specific business, or if they so choose on an entire account. Merely having a company wide policy to shut en entire account holders ability to avail themselves of ACH forever on their account is not only anti consumer but rises to punitive levels because this policy makes consumers unlikely to use complaints to protect themselves after they have suffered the effects of a complaint and its resultant costs ( fees, interest, credit score damage, reputation, etc.. ).
I want ALLY Bank and XXXX XXXX XXXX, XXXX of ALLY Bank to repair this issue within XXXX hours.
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| 07/29/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
Servicemember |
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I am serving on XXXX in the XXXX XXXX XXXX. My family and I have received orders to report to XXXX in XX/XX/XXXX, our exact date of departure is undetermined.
We are permitted to take a vehicle with us to XXXX. The company which ships the vehicles requires either a clear title, or a letter of approval from a vehicle lien older. Sometime in XX/XX/XXXX I contacted Ally Bank and requested a letter of authorization to ship my vehicle to XXXX. I was told they would not be providing me such a letter.
I purchased my vehicle back in XX/XX/XXXX. The total cost of my vehicle was over {$17000.00}. My vehicle is currently worth {$6000.00} and I currently owe approximately {$7000.00}. I do not have the funds available to immediately pay off the remaining balance. I have contacted other banks asking about refinancing the vehicle and was told they wo n't do it because the value of the car is less than the amount still owed. I am current on all payments on my car loan. Although I was late making XXXX payments over the past four years, those payments were made very shortly after their due date.
Having a vehicle in XXXX would help my wife and children tremendously. If I am not allowed to ship my vehicle, I have no idea how or where I would store the vehicle for the three years we will be stationed in XXXX.
I do not have a copy of my financing agreement with Ally readily available, as nearly all of my personal belongings are packed up and ready to ship XXXX. Even if such a clause exists in their financing agreement prohibiting transporting vehicles outside the country, I believe such a clause would be unconscionable for military service members. I do n't know if it is Ally 's policy to not provide any service member with this type of authorization letter, or if I am being singled out for some reason. Regardless, I would have never financed with Ally had I known they would deny me the ability to take my vehicle with me to an XXXX duty station. I am requesting any assistance available in obtaining an authorization letter to ship my vehicle.
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| 02/08/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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On XX/XX/XXXX at approx. XXXX my XXXX XXXX XXXX was repossessed by XXXX XXXX XXXX XXXX XXXX on the request of ALLY Financial Online - IRepo .
for late payments as follows : ( i ) 1 of {$220.00} and 2 of {$280.00} = {$790.00} ( ii ) Late Charges = {$110.00} and ( iii ) Expenses ( Retaking and Holding said vehicle ) = {$400.00} a total of {$1300.00} which was PAID on XX/XX/XXXX. ( 1 ) After paying the FULL total of {$1300.00} and the Towing company Charges of {$95.00} ( Storage = {$20.00} and Handling fee = {$75.00}. ( NOTE : The Towing Company would not release the vehicle unless it was satisfied that ALL payments were made. I left with my vehicle at approx. XXXX. Ally Auto Financial then sent a bill with a {$240.00} MISCELLANEOUS Charges. When I enquired they told me its from the Towing charges, REMEMBER they already charged me {$400.00} for Retaking and Holding vehicle. ( 2 ) I decided to PAY off the vehicle to avoid any more problems with the bank and on XX/XX/XXXX I called and requested a Pay-Off Quote and was given a quote of {$5100.00} good for Ten ( 10 ) days.I PAID with a XXXX XXXX Cashiers check for $ XXXX.I then went to the USPS Postal Service and mailed the check Certified Priority - Express, Tracking # XXXX XXXX XXXX XXXX . delivered XX/XX/XXXX @ XXXX. ALLY AUTO acknowledges receipt of the check which was posted on XX/XX/XXXX ( Four ( 4 ) days later and well within the Ten ( 10 ) day time limit ). I was told that I would get my car title within Fourteen ( 14 ) business days Confirmation # : XXXX. I then got a bill that I owe {$31.00} MISCELLANEOUS Charges. XX/XX/XXXX I submitted a complaint to the Florida Office of Financial Responsibility ( OFR ) who notified me that they mailed your office a copy of this complaint. I still have NOT heard from ALLY AUTO or received my Title. I believe I was robbed by the bank of the {$240.00} MISCELLANEOUS fees and would like to be reimbursed and given the title to my vehicle. Thanks for taking the time to investigate this request. I have all available documents, if requested.
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| 02/14/2017 |
Yes |
- Consumer Loan
- Vehicle lease
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- Managing the loan or lease
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Web |
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I had a XXXX XXXX XXXX lease that I rolled into a new XXXX XXXX XXXX lease. We were told at the dealership that we would not incur any charges on our returned leased XXXX as a part of our deal to lease the new XXXX. We returned the car and about 3 weeks later received a bill from Ally financial for {$620.00}, no explanation other than " excess wear/excess mileage ''. We were not over our mileage so I knew it was not that. I called the dealership who said it was not them, it was Ally financial who was assessing the charges ( again, they did not tell us when we re-leased a new car that there was another party who would charge us. They just said there would be no charges to us on our return lease ). I called Ally to find out how they assessed these charges and all they would provide was a copy of the lease inspection report ( which I had a copy of from the dealership ). I asked the Ally employee ( XXXX ) if these repairs were actually made to the car, which she would not answer. All she would say is that the only information I can have is the inspection report. After asking her several times she said " I did n't make the repairs '' in an extremely rude tone ( and still not answering my question ). I also asked her if there were not actual repairs made to the car and itemized receipts for said repairs, was there a devaluation report showing how each charged item affected the car 's resale price. She again was extremely rude and said that all I can have is the report and she can " send me the lease inspection because I clearly did n't read it ''. The lease agreement is not my question- my question is how did they arrive at these amounts and where is the information backing this up? There has to be either a receipt for repairs or an itemized devaluation report showing how they affected the sale price of the car. In addition one of the chargeable items on the lease is a dent which they are charging {$200.00} for and I can not see a dent in the picture on the report. This seems excessive and I ca n't tell that a dent is even there.
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| 03/14/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
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Web |
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In XXXX of XXXX I signed up for an Ally Bank promotion called " XXXX '' which offered a 1 % cash bonus to existing customers ( which I have been for over 15 years ), for new deposits from an external source for a total bonus of up to {$500.00} if {$50000.00} was deposited.
I contacted customer service at Ally by phone on XX/XX/XXXX, asked questions and confirmed that I understood and was following all the terms of the promo. I enrolled in the promotion and opened a new Money Market ( which is one of the qualifying accounts for the promotion ) account # XXXX for the purposes of depositing $ XXXX new funds into Ally while on the phone with them.
Terms of the promotion included : -Must be enrolled by XX/XX/XXXX I enrolled XX/XX/XXXX -Fund account by XX/XX/XXXX I funded the account with XXXX new money from XXXXXXXX XXXX XXXX XX/XX/XXXX -Keep the new funds in the account thru XX/XX/XXXX. XXXX. I did not withdraw the funds until XX/XX/XXXX -Get cash bonus on or by XX/XX/XXXX.
I have yet to receive my {$500.00} cash bonus to my money market account. I have left the account open for this reason. On XX/XX/XXXX I called Ally customer service and the rep confirmed that I had met all the criteria to receive the bonus. She then opened a case # XXXX. I was told I'd be contacted with in 2-3 days ( I was not ), and the case should be resolved in 7-10 biz days ( by XX/XX/XXXX ). No resolution yet.
I have called weekly, escalated the case ( same case # ) on XX/XX/XXXX, have talked to several " managers '' and have receive little information or explanation. After the 10 days had passed with no resolution, I am now being told by Ally " their is no timeline " although I was told someone was " assigned to my case '' almost 2 weeks ago!
On my most recent call today, the customer service rep told me that now most of her calls are from unhappy customers who have not received their cash bonus. I also sent a written letter of complaint to Ally this week. As of today XX/XX/XXXX, I still have not received the {$500.00} cash bonus from Ally Bank.
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| 05/16/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Changes in terms mid-deal or after closing
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Web |
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On XX/XX/2020 I applied for an auto refinance with Ally. I was approved for the loan on XX/XX/2020, and I received approval email communications from " XXXX '' and " Ally '', along with welcome documents from Ally in the mail the following week. I also received the monthly statement and payment coupon from Ally for my first payment, and I made the first payment already ( it was mailed in check # XXXX ). On XX/XX/XXXX, I received a letter from Ally saying that they cant do loan as agreed because they were unable to verify my vehicle 's mileage. This is absolutely false - I feel this is just a " Bait & Switch '' tactic on their part, and the vehicle mileage is just an excuse.Please see below regarding mileage verification : 1 ) During the loan application process, I uploaded an image of my vehicle odometer to the loan portal. This image was taken on the same day as the loan application, and it has a date and time stamp on it. The loan agent ( XXXX XXXX ) also viewed the mileage image I had submitted and said it was acceptable.
2 ) During the loan document signing process, I signed a DMV mileage verification form, certifying that the mileage stated is correct. This form carries legal consequences if the mileage information stated is false. I would never risk legal issues with the State of CA, by misstating my vehicles mileage.
As Ive already provided Ally an image of the odometer, and well as signing a legal California DMV document verifying the mileage is correct, Im unsure as to what exactly Ally needs to verify vehicle mileage. And if verifying the mileage really was an issue, why would it come up nearly 4 weeks after the loan was approved, and Ive already made my first payment? I feel this has nothing to do with being unable to verify my cars mileage. It is just a bait and switch tactic on the lenders parts. At this point, the loan is not showing up on my credit report, and the previous lender for my vehicle has been paid off. My car and loan are in complete limbo. Please help. Thank you in advance for your help.
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| 06/10/2019 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
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Web |
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To Whom It May Concern, I am writing **again** about Ally Financials illegal business practices, as they contacted me again about a debt that they claim XXXX XXXX XXXX owes them. I originally opened a complaint on XX/XX/XXXX. You can find details from the original complaint by using the following CFPB File # XXXX. There you will see that I reported that the company contacted me and illegally disclosed Mr. XXXX 's debt and demanded not to be contacted by the company again. Ms. XXXX XXXX responded that she did not believe the company disclosed a debt but did state " we have taken the steps required to place a Do Not Call on the phone number ending in XXXX. No additional calls should be made to this number. '' Nevertheless, I received an additional call on XX/XX/XXXX, again requesting that I contact them about Mr. XXXX.
I have kept the message sent to me through a fake phone number, XXXX, and contacted them today about **AGAIN** violating the FDCPA. The caller 's name was XXXX XXXX, or something like that, and her extension is XXXX. XXXX requested that I call her back at XXXX. I recorded the conversation just as their recorded message says the company does when someone calls back. The recorded message also VERY CLEARLY discloses the fact that they are trying to reach Mr. XXXX about a debt, as the message say they are recording the conversation for that purpose. In the recorded conversation, I notified another speaker who took the call for XXXX that they violated the FDCPA by contacting me AGAIN after I demanded no more calls and Ms. XXXX stated very clearly in the original correspondence that I would not receive any further.
This is too much. The FDCPA has been violated and the company must be held accountable for their predatory practices. I do not owe them a debt and have requested that they stop contacting me, which they have not done. Instead, I have been harassed again about something that has nothing to do with me, and the constant harassment is deleterious to my health and well-being. This is **unacceptable. **
|
| 05/22/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
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Web |
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Dispute with Ally bank XX/XX/XXXX : I got emails saying that my debit card was added to a digital wallet. I immediately opened the bank app and I saw 4 withdrawals of {$500.00} each made from XXXX XXXX. At the time I was in XXXX XXXX, XXXX. The transactions were marked Pending I immediately called the bank. Told them that these XXXX transactions were not made by me. They said that they will cancel the transactions, deactivate my debit card and send me a new card.
The pending transactions disappeared from my account.
XX/XX/XXXX : I came back to XXXX, saw that I received the new card and did not activate it.
I opened the Ally bank app and saw that the XXXX transactions that were canceled on XX/XX/XXXX came back on XX/XX/XXXX and this time they were not pending. The money was withdrawn from my account I called the bank again. They said I can file a dispute. I filed a dispute.
A few weeks later they put credit in my account of 4 times {$500.00}. The value of the missing money XX/XX/XXXX : I was checking the Ally bank App and I saw that the money was taken out again. XXXX transactions of {$500.00} each I called again. They told me that the dispute team came back and decided that the transactions were legitimate because they presented the physical card.
This is impossible because at the time of the transaction I was out of the country with my card in my possession. I made an ATM withdrawal using the card in XXXX XXXX a few days earlier ( XX/XX/XXXX ). I was in XXXX from XX/XX/XXXX to XX/XX/XXXX.
I have screenshots of all the material. My airplane ticket, my passport stamps. Screenshots of the transaction i made in XXXX which show that i had the card on me. I have not been to XXXX XXXX in years.
I tried to cancel these fraudulent transactions immediately as they happened but Ally made mistakes. They allowed them to execute 2 weeks later on a deactivated card. And their investigation came to the wrong results. No one could have presented my physical card in XXXX XXXX since i had it on me thousands of miles away
|
| 11/14/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
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On or about XX/XX/2022.
I Purchased a a/c system for my house with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I unknowingly signed contract that included items that were not compatible with my new a/c system per bad recommendation of " XXXX '' seller from XXXX XXXX XXXX XXXXXXXX XXXX XXXX among with the new a/c system.
So, based on that bad experience I cancelled all the other additional items that I purchased, leaving only the new A/C system ( it was already installed ) So, for the payment " XXXX '' had me signed a loan of {$20000.00} that would be paid XXXX payments of {$330.00}.
BUT, since XXXX XXXX sold me the wrong product and I cancelled the other items, the price of my debt went down to {$14000.00}.
I contacted both parties to redo a new contract with the ONLY item that I actually received, but XXXX XXXXXXXX XXXX XXXX said that they will credit the money to my account. I told them no, because the monthly payments will be bigger, thinking that it was the only issue, so, I submitted a claim with Ally, and both parties agreed to keep the same account.
I received an email from Ally that XXXX XXXX XXXX XXXXXXXX XXXX XXXX stating their resolution.
I emailed over 10 times asking for a document that states the Items that XXXX XXXX XXXX included in my new debt, but I only got a verbal response.
To make matters worse Ally verbally expressed that I have still to make the 120 payments of {$330.00} and that I have a FEE of {$180.00}. Now I owe them more than the debt {$15000.00} I have made 3 payments of {$330.00} and I am also charging {$35.00} late fee because of the time that they process the payment.
The Ally account number is XXXX Is very important to add that both companies ignore my emails and ask me to contact them over the phone and when I do they claimed to be in a meeting and never call back.
XXXX XXXX from Ally said that he can't longer talk to me about my case that " XXXX '' will call me, but she/he had not nor respond my calls.
His email is XXXX and from XXXX XXXX is XXXX XXXX XXXX XXXX
|
| 08/14/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On XX/XX/2023, at approximately XXXXXXXX XXXX I was in XXXX XXXX located at XXXX XXXX XXXX. XXXX, Ga XXXX. At this time, I received a notification of two transactions made by my debit card at XXXX XXXX. The first was in the amount of {$820.00} and the second was in the amount of {$830.00}. I immediately called Ally Bank and reported my card stolen after noticing my wallet had been taken from my purse. I was advised, by Ally Bank, that there was nothing that could be done until the transactions posted to my account. At this time, I contacted the XXXX XXXX Police Department. At approximately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX arrived and completed a Police Report. On XX/XX/XXXX I was able to retrieve the report which stated that XXXX XXXX did respond to the XXXX XXXX and was able to obtain video evidence of two " mixed raced '' individuals unlawfully using my debit card. The report further stated that XXXX XXXX was able to match transactions with amounts and timestamps to corroborate my report and that all evidence was uploaded to XXXX XXXX
On XX/XX/XXXX I uploaded my report to Ally Bank and was advised that the dispute case was opened. Since this day, Ally Bank has denied my dispute three times. Every time the reasoning changes. The first was due to no Police Report, which was later determined to be an error on Ally 's behalf. The second I was advised that other transactions were made with the same card on the date in question. This was also determined to be in error as they were looking at purchases made by my husband and not the actual stolen card. The third, and most recent, is due to the charges being made from a debit card. There have been multiple other excuses for no reimbursement, and it is now clear that Ally Bank is intentionally closing my dispute to avoid reimbursing me.
Any assistance would be greatly appreciated. For Ally bank to so blatantly dismiss that a crime occurred and to have no regard for their customer 's well-being, I would bet that we aren't the first to come across this problem.
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| 09/26/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
Older American |
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This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, XXXX and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the Southern District of XXXX I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile.
Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns.
1. ) XXXX XXXX, account number XXXX ; 2. ) Ally Financial, account number XXXX ; 3. ) XXXX XXXX XXXX, account number XXXX ; 4. ) XXXX XXXX XXXX, account number XXXX ; 5. ) XXXX XXXX, account number XXXX ; 6. ) XXXX, consumer number XXXX Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate.
Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review.
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| 05/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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business loan was acquired with no personal guarantee strictly business loan against business credit.
payoff was attempted but was declined.
XXXX XXXX signed the resolution the very next day and the treasury offered the public new government securities, minus the traditional " payable in Gold '' clause. HJR 192 states that one can not demand any certain form of currency that would like to receive if it is dollar for dollar.
31 U.S. Code 3123 - Payment of obligations and interest on the public debt.This letter serves as a formal request for you to immediately clear the debt owed to me in full. According to my records, the amount owed is [ Debt Amount ] as of [ Date ]. Despite multiple reminders and notices sent to you, you have failed to make any attempt to repay the outstanding balance, thus causing undue hardship on me.
As per the 15 U.S. Codes, it is mandatory for you to discharge the debt in full. Under 15 U.S. Code 1601, you are required to provide me with clear and accurate information about the terms of the loan, including the amount borrowed and the repayment schedule. Failure to provide this information is a violation of the Truth in Lending Act.
Under 15 U.S. Code 1692, you are prohibited from using deceptive or abusive practices to collect a debt. This includes making false statements, calling repeatedly and at unreasonable hours, and threatening legal action without the intention to do so. Your non-payment of the debt and failure to communicate in good faith may be interpreted as a violation of this section.
I urge you to rectify this situation immediately to comply with the law and ensure that legal action is not required. Otherwise, I will be left with no other option than to pursue legal remedies to recover any outstanding debt under 15 U.S. Code 1692k. Additionally, failure to comply with this notice may result in damage to your credit rating and may negatively affect your personal loan, mortgage, and other financial transactions.
Thank you for your prompt attention to this matter.
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| 05/02/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem making or receiving payments
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Web |
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Started using Ally to use their new " Spending Buckets '' feature on their checking and savings accounts. These buckets have repeatedly shown wrong values. For the last week my account has been unable to be used because I rely on these buckets. Also for the last week I have even been able to see my account details. I understand that Ally 's response is " well the rest of the account works '' but this is not why I transferred my accounts into Ally.
Since these are system wide errors according to at least 3 of the agents I talked to, I am sure that I am not the only one having this problem. Buckets is a new product/tool of Ally and I'm basically concerned that they dont have the technology to support this feature and it's turned into a bait and switch because they went to market too early. Have at least two open " feedbacks '' ( not sure why on Earth they would call a case feedback but thats just a random annoyance.
As of today, my unresolved issues are 1 ) When I log into my account I receive an error message saying " We can't show your buckets right now.
Everything should be up and running again in a bit. Check back later. '' This is preventing me from even using the accounts as I need the buckets to drive transactions ''.
2 ) When the buckets were available, it was showing transactions from XXXX There was no way to mark this transactions as XXXX or remove them. When I tried to add them to a bucket, the bucket wouldn't accept them without paying for the expense again. I am not going to pay double just to use this feature. Chat reps said it would correct in 120 days worth of transactions to which she couldn't explain what that meant. Several phone calls later the supervisor said that this was a global issue on everyones accounts. They also said account balances are wrong for people using buckets is a known global issue.
At this point I am not even sure if my money is safe with Ally. The only thing that is keeping me here is the FDIC 's insurance of my funds and the hope these things get fixed quickly.
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| 01/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) Disclosures to consumers [ XXXX U.S.C. XXXX ] ( ( a ) Information on file ; sources ; report recipients.
XXXX, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. This account need to investigate and correct from erroneous reporting in my file are listed on my credit report : ALLY FINCL XXXX Date Opened : XX/XX/18 Balance : {$0.00}
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| 07/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
Older American, Servicemember |
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I leased a car from GMAC, made ALL payments promptly and FULLY. When I turned in my car, the dealer accepted the car as is -- -no dings, no problems, whatsoever, pristine condition.
GMAC then sent me a letter saying the contract called for a disposition fee, prepping the car for sale -- -UNNEEDED in my opinion. I DISPUTED the fee and would not pay it. I was never told by anyone that there was this addtional cost to the lease. Yes, it was in the contract ; HOWEVER..
I was told the disposiyion fee would be waved if I leased from GMAC again. I would not considring this BLACKMAIL. After numerous, more thandaily, call, dunning me, I asked them to stop harassing me. They did, but they also reported this DISPUTED cahrge to the credit rating services who immediately became complicit by reducing our PERFECT credait rating incrementally as I was still disputing the fee.
I finally gave in after tryig to lease a car from another dealer who said I was a tier 5 credit risk when I had always been tier 1. The point of this complaint is twofold.
One, all auto leasing companies should be required to STATE verbally ALL costs of a lease instead of SNEAKING in hidden fees!!
Two, Credit rating companies should not allow one disputed fee to wreck a perfect credit record especially when it is a protested fee. The intricacies of protesting for elderly people particularly, I am XXXX, is abhorrent.
I believe credit rating companies should not conspire with any company to destroy credit.
I believe all leasing companies should be required to STATE all leasing costs.
I have paid the disputed, STILL, fee because it was in a signed contract. To make matters worse, my wife who also, unnecessisariously signed the GMAC lease, had her credit rting destroyed.
Now I am asking for a law change and an instruction to the credit card comapnies to stop conspiring on such charges and to return my wife and I immediately to our previous, for year perfectt credit standing.
XXXX and XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX, Ct XXXX XXXX
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| 09/25/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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I had lost my job in XXXX XXXX. I was on unemployment until my claim ended in XXXX XXXX. I was behind 2 car payments due to lack of income. I borrowed money from a relative to make a payment in XXXX XXXX and XXXX. I started working as a XXXX XXXX the end of XXXX. I explained to Ally I only work 30 hours per week and make less money than my previous job. I tried to explain to them that I do n't get for holidays or missing work. I was scheduled for a XXXX XXXX in XXXX causing me to miss a day. The beginning of XXXX I offered to pay $ 100+ a week until I was caught up. I would receive additional hours in XXXX, allowing me to pay more. One representative I spoke to told me that was ok. Then a few days later I received a call from collections representative named XXXX. She was insisting I pay 2 payments this month or my account will go into further collections. I advised her to see all of my previous notes stating my reason for delinquency and I was not able to borrow money from any more friends or family. She found my plan of sending $ 100+ a week unacceptable. I advised it was temporary until we started getting more hours the next month. I spoke to XXXX again just last week and she wanted me to have a payment in by XXXX and another in 2 weeks. I told her I can try, but I ca n't guarantee it because I do n't always get paid on the same day ever week. I also received a nasty letter saying if I am late again, they 'll exercise their rights without informing me.
I feel Ally is being borderline harrassing with their calls to me and my father who 's listed on the loan for credit purposes. I believe I am trying to make a fair attempt in paying my car loan. Ally seems to think they are the only bill I have to pay. I have fallen behind in all of my accounts in order to keep my vehicle. I would like them to have a bit more compassion with my issue. I understand I need to pay my loan and I am trying to do so to the best of my ability. Please assist me further with this matter. Thank you for you time and consideration.
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| 09/07/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
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I recently switched banks from XXXX to Ally Mobile. I transfered the money remaining in my XXXX account and also deposited a paycheck from the company I work for which I will include the check stub for. A few weeks ago my girlfriend was in a car accident. Our car is in the shop and we need money for our insurance deductible. For that reason a close friend issued me a certified tellers check from his credit union ( XXXXXXXX XXXX XXXXXXXX XXXX ). The check was for {$3500.00} and was to pay our insurance deductible along with catch me up on credit payments. Ally bank immediately froze my account and has refused to cooperate with me since. First they told me it would be 2 days then 5 then 10. Now they won't tell me anything and say the investigation team will call me if they need anything. I have spoken with a total of 5 different people from the Ally fraud department and none of them has told me the same thing. They have been rude, accusing me of lying and say I have given different stories about where the check came from which is absolutely not true. I know it's not true because there is only one " story '' about where I got the check and that is the TRUTH. Now today ( XX/XX/XXXX ) they say that they called the credit union and the check was not confirmed. However after speaking with the credit union they say no one has said anything to them regarding the check. I was also told today that they are investigating my payroll check as well! I have had two payroll checks bounce in the past but was immediately given a good check. I told Ally if the payroll check bounce I need to know so that I can be issued another one. The woman on the phone said " maybe you should do that '' but didn't comment as to whether the check bounced or not. No one is working with me at ally to get this resolved at all and if my check did bounce I certainly don't want to deposit it into a frozen bank. I honestly have no idea what to do. They wouldn't even let me speak to a supervisor. I have no car and my credit payments are stacking up.
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| 05/19/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Incorrect information on your report
- Account status incorrect
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Web |
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XXXX rep id : XXXX @ Ally Financial, stated my XX/XX/2021 payment was considered negative and reported negative 30 days late to the credit bureau because Allys 3rd party payment vendor application system didnt post the payment til the following day being it missed the XXXX cut-off time. I asked XXXX if I may speak with her manager. She replied, the mgr was tied-up on the phone with other customers ... I replied, I will hold. The contractual agreement I signed with Alley for my auto loan states my payments are due on the XXXX of the month & reported negative/late the XXXX of the following month if XXXX more days past due. My pymt was accepted and processed via the lenders automated system on XX/XX/XXXX, exactly 30 days after XX/XX/XXXX. I called to confirm no late negative reporting had been reported to the credit reporting bureaus with my account ; however, was informed my payment was considered late because Allys 3rd party vendor XXXX XXXX XXXX does not post pymts after XXXX, M-F. I have not received any written disclosures in regards to these changed terms and Allys billing system consistently updated with an incorrect mailing which explains why I never received notification via the postal mail of changing billing terms. This is wrong that Ally Financial practices illegal and predatory lending and gets away with destroying customers credit by reporting negative, erroneous, false account payment information. Allys 3rd party automated phone payment vendor system asks the account holder what date he/she would they like to process their pymt, I entered the XXXX, the same day as my call and the automated system accepted my pymt, then provided me the confirmation #. However upon speaking with a live person, XXXX, on the XXXX I was informed my payment was late & will be reported as late to the major reporting credit bureaus. This is concerning & saddening to say the least! It is absurd!!!! Please stop this raping of customers from Allys falsified, erroneous and negative credit & billing reporting actions!!!!!!
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| 02/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I Consumer XXXX XXXX am writing the complaint on my own behalf. I am a consumer who have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ) Ally Financial has violated my right to privacy by furnishing information about me without any lawful authority. Ally Financial is a also in violation of Regulation Z 1026.13 ( d ) ( 2 ) which states that a creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. Ally Financial was sent a billing error notice as well as a billing dispute. A consumer must be given a chance to direct whether they want the information about a transaction to be reported or not. This is referenced in the Gramm-Leach Bliley Act. I was not given the chance to opt-out of having this reported information by Ally Financial and this is a violation of 15 USC 1681a ( 2 ) ( iii ) and must be removed. A consumer reporting agency needs written instructions by, I the consumer to furnish a consumer report. without written instruction consumer reporting agencies has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumers report. By definition XXXX, XXXX, and XXXX has committed identity theft. This is a violation of 15 USC 1681b ( a ) ( 2 ) and the information associated with Ally Financial Must be removed. Ally Financial was also sent a cease and desist which also stated that they must cease and desist communication through any and all mediums including my consumer report. Ally Financial has continued to report on my consumer report as a way to extort me for money XXXX XXXX XXXX which says that the collection of extension of credit by extension is a criminal offense and any XXXX or more parties involved with the collection of an extension of credit through extortion are involved in racketeering.
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| 08/31/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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In XX/XX/XXXX I sent Ally Financial Irs tax forms that i had submitted to the Internal Revenue Service. Per IRS rules I had to sent the copies to Ally Financials ' tax department. After sending the Tax forms, Ally Financial sent me a letter stating that those tax forms can not be used to pay-off the remainder of the loan. I never sent the forms as a form payment, the forms were sent as to be in compliance with the Irs rules, copies were sent to Ally Financial, and copies were sent to the Irs department in the state where Ally headquarters are located in XXXX Michigan. Ally Financial sent me a letter stating that they have placed a restriction on the account and will not accept payments unless they are made in certified funds with a cashier 's check, money order, or payment through XXXX XXXX or XXXX XXXX After you have made XXXX consecutive payments in certified funds, you can call us at the toll-free number XXXX ( XXXX ) to have the restriction removed. I have tried unlocking this account since XX/XX/XXXX, and Ally XXXX Department refuses to unlock the account in order to pay via XXXX portal or via telephone. It has caused hardship for my wife and I, trying to make sure we go to a store that has money gram or XXXX XXXX, this was not part of the original contract nor was this disclosed to me, i have called multiple times to have them unlock the account or take my payment over the phone and they refuse every time, they put me on hold for long periods and give me the run around stating supervisors are unavailable and that those restrictions on account can not be lifted even by supervisors. When i ask to be transferred to anyone that has access to help me, they tell me that unfortunately they don't have a license to help people in california, then i get put on hold and retransferred to another operator and the same situation keeps happening, enough is enough i need an answer from someone within the company that should be held accountable for violating my consumer rights to not be in fear of car repossession.
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| 05/02/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/22 I went to purchase a car and pay for it in full. When I went to transfer the funds, {$5000.00}, to my checking account from my savings account, I discovered my accounts were locked. The bank didnt immediately release my accounts after I confirmed my identity. I bank through Ally Financial. They eventually unlocked my accounts but this forced me to finance my car instead of purchasing outright.
On XX/XX/22 I deposited {$10000.00} from my XXXX account where I have my paycheck deposited from work to my Savings account. Again, my account was locked but they unlocked it soon after my identity was established and the transaction was validated. On the same day, I decided I wanted to purchase two vehicles for my significant other and I. Prior to transferring money, I contacted my bank and informed them of my intentions. They refused to transfer the funds for me over the phone immediately. I answered every security question, provided my full name, date of birth, social security number, and called from the phone number on file. I also requested a call back after they spoke to a supervisor to determine what the course of action would be. When I didnt get a call back, I requested another call from the bank through the automated system and was told it would be approximately 45 minutes. I scheduled the second call back over an hour and a half before closing time. I never received a call back.
On XX/XX/22, I attempted to transfer the funds, {$160000.00}, from savings to my checking account and my accounts were frozen. On XX/XX/22 I contacted the bank AGAIN. I was told that the amount was too large to be transferred and they could only transfer {$50000.00} for one transaction. This was not disclosed to me on XX/XX/22. They also did not unlock my accounts and I have been waiting over 30 minutes for a supervisor to talk to me about my issues.
Additionally, anytime I transfer money from XXXX, XXXX, or XXXX into my checking account, the funds are not available in my checking account until after XXXX hours.
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| 02/23/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
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Web |
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On XX/XX/XXXX and XX/XX/2023, my shared ally bank account was charged XXXX times that were all fraudulent. XXXX transactions on XX/XX/XXXX we're all to XXXX XXXX accounts and we have never utilized XXXX XXXX. We received a call from ally regarding these transactions, were asked if they are fraud, and confirmed. They didn't imply we needed any further action on our part, and that our funds would be provided back when they were posted. We called again on the 4th after the transactions had posted to ask why our funds weren't returned, this was during the time our rent check was due too, which caused much concern as we are middle class and don't have cash to spare on fraud. We were told that 1. We needed to report it after it posted, so luckily we had already called to complain or else we never would have known and 2. That the funds would take 7-10 " days '', no implication of them being business days. Then, we started counting the days, we called again on XX/XX/XXXX to ask what on earth they were doing with our money, and they stated they had the claim on file but it " fell off the radar ''. From everything I understand, within 10 business days I should be given a provisional credit, then within 45 days should be provided the amount permanently if they deem it fraudulent. Everyone I spoke with, including a XXXX, has been nothing but useless and disrespectful. They all should be fired, but unfortunately they are a terrible bank with terrible employees. There is {$280.00} of my funds in this fraud scheme and only {$57.00} ( {$32.00} being the charge from XXXX XXXX ), I would like a provisional credit as soon as possible. Also, it's worth nothing the good for nothing bank had the nerve to send us a " replacement debit card '' that had the same numbers as the card involved in the fraud, because ally doesn't hire intelligent staff either. I've changed my bank because of this but their ignorance of cfpb guidelines tells me they need to understand how to properly treat customers instead of submitting to fraud.
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| 04/08/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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To Whom It May Concern, I'm in need of assistance regarding a false claim brought against me by Ally Auto Finance that I owe them {$4600.00}.
The vehicle in question was for a leased XXXX XXXX XXXX XXXX XXXX ( XXXX number XXXX ), from XXXX XXXX XXXX XXXX XXXX XXXX with an address at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX.
Ally was the finance company I signed with in XX/XX/XXXX for three years. I even purchased extra mileage plan of XXXX miles that was built in the amount I owed each month.
Fast forward to XX/XX/XXXX, almost three years after I returned the XXXX XXXX XXXX XXXX XXXX at the conclusion of the lease, I'm receiving letter from Ally I owe the the back {$4600.00}.
I called Ally multiple times requesting for an explanation in which the each representative inform me the following : 1. I was told I failed to make monthly payments?
That is false. My primary bank, XXXX XXXX XXXX provided me in detail that I made every monthly payment on the lease. I have documented proof and XXXX XXXX XXXX will support me in the false claim.
2. I was told the {$4600.00} was for an overage mileage fee on the XXXX XXXX XXXX XXXX XXXX.
That is false. As previously noted, I paid for the extra mileage when I signed my lease in XXXX. When I returned the vehicle, my odometer wasn't near the XXXX miles alloted to me during the three year lease 3. I was told there was {$4600.00} of vehicle damage when I returned the XXXX XXXX XXXX XXXX XXXX back in XX/XX/XXXX.
That is false. I returned the vehicle with no damage. After almost three years they are now informing me I returned a damages vehicle?
4. I was told, I owe {$390.00} for vehicle damages??
That is false. I returned the vehicle with no damage.
When I spoke to the bank representative again why I received three letters from Ally and now a collection agency that I owe {$4600.00}. I was not able to get an explanation and was told someone will be contact me next week.
I'm fearing my credit is now impaired by this false accusation and mistake from Ally.
|
| 09/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Dear Consumer Financial Protection Bureau, CFPB : XXXX CREDIT is refusing to make PROPER CORRECTIONS, AND CFPB HAS TO REGULATE ALLY AUTO FINANCE THAT IS FALSELY REPORTING DELINQUENCIES ON ALLY AUTO FINANCE ACCOUNT IN ERROR. I DO NOT OWE ALLY AUTO FINANCE {$27000.00}, THE PAYMENT CONFIRMED RECEIVED AND POSTED TO ALLY AUTO ACCOUNT, I WENT WITHOUT THE MONEY, AND THE FUNDS WERE AVAILABLE IN THEN-ALLY AUTO BANK ACCOUNT.
MOST IMPORTANT, I AM WRITING REQUESTING FRAUD ALERT ON MY CREDIT REPORT AND ALLY BANK ACCOUNT, AND TO HAVE UNVALIDATED DEBT ( THAT I DO NOT OWE ) REMOVED FROM 3 CREDIT BUREAUS AND XXXX IF REPORTED ( REMOVAL OF {$270.00} DEBT BALANCE-ally bank ).
I DO NOT OWE ally auto finance {$270.00}. I have included the payment history, and PAYMENTS HAVE BEEN FAITHFULLY AND TIMELY MADE WITHIN 10 days of the XX/XX/XXXX of each month since THE VERY BEGINNING ( initial purchase date of XX/XX/XXXX-Saturday ).
Ally bank AND ally auto finance is reporting my ACCOUNTS as delinquent when the account is NOT DELINQUENT NOR LATE ( A TOTAL OF 14 PAYMENTS TOTALLING {$11000.00} HAS BEEN PAID TO ALLY AUTO FINANCE ON TIME AS SCHEDULED ). THE ADVERSE CREDIT REPORTING ( IN ERROR ) IS AFFECTING MY XXXX CREDIT SCORE. Please have ally auto finance remove ALL DELINQUINCIES FROM ALL 3 CREDIT BUREAUS ( XXXX, XXXX, AND XXXX ). Please Note : MY TRUE CREDIT SCORE IS XXXX ACCORDING to XXXX, and on XX/XX/XXXX-Tuesday, XXXX is reporting MY CREDIT SCORE AT XXXX? PLEASE TAKE CORRECTIVE ACTION. I HAVE BEEN LEGALLY ADVISED NO FURTHER PAYMENTS WILL BE MADE UNTIL THE CORRECTIONS ARE PERMANENT. IF I AM MAKING MY PAYMENTS ON TIME AND GOING WITHOUT THOSE AMOUNTS OF MONEY ( {$11000.00} ), THEN THAT SHOULD BE ACCURATELY REFLECTED ON MY CREDIT REPORT TO ALL 3 CREDIT BUREAUS. MOST IMPOTANT, ALLY AUTO FINANCE HAS ALLOWED BANK FRAUD TO TAKE PLACE ( MISAPPROPRIATION OF MY AUTHORIZED FUNDS IN THE AMOUNT OF {$270.00} ) AND ARE TRYING TO EXTORT DUPLICATE PAYMENTS FROM ME.
Sincerely and Respectfully, XXXX XXXX XXXX Phone : XXXX Email : XXXX XXXX
|
| 02/19/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
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Date of purchase : XXXX/XXXX/XXXX Reason for Complaint : The contract written up by XXXX XXXX was not completed properly. In the Federal Truth-in-Lending Disclosures box the Total Sale Price is incorrect by {$4100.00}. I received a correction letter from the lender, Ally acknowledging the mistake on the contract, but due to the fact that the mistake is in the Federal Truth-in-Lending Disclosures box, violating the Fair Credit Act of XXXX, sections XXXX & XXXX, this letter is not sufficient. This mistake makes the contract null and void. Yet, it was still accepted and funded by the lender.
After talking to the lender on recorded lines, ( first to XXXX - employee # XXXX XXXX and second to XXXX - employee # XXXX XXXX, they tried multiple times to say that they would just have their administration department make the changes to the contract, which is not legal due to the location of the mistake on the contract, and tried to manipulate the conversation to make it seem like I was asking them to make the changes to the contract.
Finally, I spoke with a Supervisor named XXXX - employee # XXXX XXXX multiple times over a 1 week period to XXXX - employee # XXXX XXXX ) I was told that I was correct that the contract is not valid, that the mistake is not my fault, and that I was not responsible for paying it. I was also told that if it were to happen again in the future, I would be liable and if I do n't pay my credit would be negatively affected. She was supposed to get in contact with XXXX XXXX to inform them of the situation and unravel the deal and then call me back. She never called me back, so I called her. She then proceeded to tell me that both XXXX XXXX and Ally agree that the contract is sufficient, and that I am ultimately responsible after all. However, as mentioned before, the contract violates the Fair Credit Act of XXXX, sections XXXX & XXXX, this letter is not sufficient. This mistake makes the contract null and void.
Copies of the contract and correction letter are attached to this complaint.
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| 08/08/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Servicemember |
|
Follow-up to case # XXXX - I have not been able to get any answers through Ally, I have spoken to several people, over and over again. No one seems to know what to do. I am having to repeat the entire situation with every single person I discuss the problem with only to be told I need to speak to another department. At that point I am either given another phone number to call or I am transferred. Then the cycle repeats itself all over again. I have been trying to resolve this issue with Ally since the first week of XXXX ( 4 months ) During several of the conversations with different people, I tried explaining that the dealer at one point would be willing to purchase the vehicle back for XXXX. Not an ideal situation for me however, better than the XXXX that I just received notice for which Ally sold the car for on XX/XX/XXXX, leaving me with a XXXXdeficiency balance.
I do not understand why Ally had not tried to help me sort out my concerns and explore options for me to continue with my loan. Isn't that why most financial institutions call it their Repo AND REDEMPTION department. The only thing they sent me was a notification that they were going to sell it and then another notification that it sold. I tried numerous times to discuss my loan and my options but received no reasonable assistance even in the way of deferment, repayment schedules or refinance, all of which is commonplace in the automotive lending space. Additionally, Lenders are obligated to investigate and take action if a customer claims false pretext by the dealer as it relates to the sale of the vehicle to the customer. Ally did not.
I am actually on the phone now with Ally, I have spoken to 3 different people already, and I am now getting transferred again. Can someone PLEASE help me with this already? ... ... ... So, I was transferred to the collections department, where the lady cut me off because she didn't want to hear my story, told me it's not Ally 's responsibility to assist me. That I needed to take it up with the dealer.
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| 05/13/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
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Web |
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To whom it may concern, It saddens me deeply to write this letter as I survive through my current financial struggle. I am writing about Ally Bank, my interest rate and my efforts to keep my vehicle that I 've been paying on for 2 years. My payments to Ally bank are {$440.00} a month. When I first got the vehicle I was told that the interest rate was very high because I did not have much credit, and that I 'd be able to build and get a lower rate in a few years. Since having a vehicle was a necessity to me keeping my job and taking care of my family, and since it was affordable at the time, I decided to move forward with the purchase. Unfortunately things changed for the worst, and the amount of the car payment is no longer in my budget, yet I 've been doing everything that I can to struggle to make these payments every month. I 've been on payment plans, I 've done everything that I can, however no matter what I seem to do that payments are simply too high. In addition, the value of the car in comparison to the payments that I will be making is unreal to say the least, but this is what new limited credit will get you in the world. I 've writte n Ally Ba nk several times to see if there is something that they can work out with me, either with the interest rate, or anything that will lower my payments to something that is more affordable for my newly demoted salary. I 've gotten no responses. I understand that it is not Ally Bank 's responsibility to assist me with keeping my vehicle, however seeing that the value of this car is no where near the amount that is left over to pay in the loan, I feel it beneficial for both parties to work things out. I 'd like my request sent to the headquarters of Ally Bank. I would like to humbly negotiate one of the following with Ally. I am making every effort to keep my agreement with Ally and with such outrageous interest rates I only ask that they please respond to my letters or forward them to headquarters to see if something can be worked out.
|
| 08/12/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
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Web |
|
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I recently moved to a new city, and opened an online bank account with Ally Bank. The account application and setup process went smoothly, and after completing the application, i received email notification that my " Ally bank account is open ''. I then began transferring money and depositing checks into the Ally bank account. As soon as I deposited my last check, and essentially put every dollar I have into this new " open '' account, I was locked out of the account, with no warning, no explanation, and without even being able to access any of the account details, such as the account number, or any other relevant information. I was directed to call a fraud hotline, which is not a 24 hour line, and I spent the next two days frantically trying to reach someone from Ally who could help, while three different support staff members ignored my pleas for help and redirected my questions to people who were unavailable. Finally a member of the fraud team explained that I needed to provide proof of address and told me I could send a phone bill. I understand the need to verify my address, but I do not understand why I was not warned BEFORE i deposited my funds, that this would be necessary. I have essentially locked myself out of all the money I have, I am in a new city, and have no way to undo anything because I ca n't access the account at all, the checks are deposited and the transfer is made. How is it possible for me to deposit funds into an unverified account, without being made aware that these monies will be unavailable for up to a month, until I receive a utility in my name at the new address? How could there not have been a warning alerting me to the possibility that any money i put into the account would be locked and unavailable indefinitely?
At this point I am afraid I will never see the money again and I want nothing more than the close the account and start a new account with a different bank. But before I do so, I want to know that Ally is not still accepting funds into unguaranteed accounts.
|
| 12/09/2016 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
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Web |
|
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Hello - I write this in the hopes it helps others.
We have had several CD 's with Ally Bank dating back to XXXX, totaling approximately $ XXXX. Recently, we asked Ally to deposit $ XXXX out of maturing CDs into our XXXX XXXX XXXX account. These funds are needed for our beginning retirement XXXX XXXX, XXXX, so the funds are important to us. Today was the first day a deposit would be received. Much to our surprise, instead of depositing {$7400.00} into our XXXX checking account, they withdrew {$7400.00} from our checking account ( without authorization I might add ), overdrawing our account by {$5900.00}! I am appalled and shocked such a mistake would take place.
In calling Ally Bank today, they acknowledged the mistake, but clearly did not understand nor have a sense of urgency to fix it. This is no small error. The representative on the phone stated they could wire the funds back to the account, but we would be charged a wire fee of {$20.00}, and need to set up a wire transfer in our own account. Really? They make the mistake, overdraw our account thousands of dollars, and we pay a fee and have to go through a laborious process to get our own money back??
Let me get this straight. I was originally supposed to be deposited {$7400.00}, now I am out a total of {$14000.00} as funds were inadvertently debited in error.
At the time of this writing, I am still speaking to a supervisor. I 've been on and off hold XXXX to 12 times as we research, change profiles, update profiles, research some more, try to figure out how to wire ... XXXX Now I am being told the transaction is " in limbo ''. After two hours of being on the phone, I have had to set up a wire transfer myself, and told " we will waive the {$20.00} fee due to the error ''. Apparently, this XXXX dollar company does n't have a clearing account to swiftly right a wrong. The onus is on the consumer.
At the end of the day, the measly amount we get for interest is n't worth the stress and angst this has caused us. We are through with Ally Bank.
|
| 02/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX, NC XXXX Ally Financial XXXX XXXX XXXX XXXX XXXX MI XXXX Certified mail receipt # : XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Re : Right of Rescission Dear Ally, I, XXXX : XXXX XXXX XXXX Original XXXX and Natural Woman/Man hereby rescind my consent to be liable to perform on the contract agreement I entered with Ally Financial on XXXX XXXX.
I entered into this contract agreement with Ally Financial without 1 ). Full disclosure of my right to rescind ( 15 USC 1635 ( a ) ( f ) ) 2 ). Transparency regarding the process of the consumer credit application being the financial asset ( 12 CFR 360.6 ( 2 ) ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). I have reason to believe that Ally Financial willingly and knowingly took advantage of me and my consumer credit.
I am not terminating or canceling this contract, I am deducting my liability to pay on behalf of the obligor as I have found several violations and fraud. Notice that Pursuant to 15 U.S. Code 1635 ( b ) upon receipt of this rescission I am not liable for any finance charge, security interest, etc. becomes void effective immediately.
In addition, I was given false and deceptive information ( violation of 1692e ) as I was told that a down payment of { {$1000.00} } was needed to drive off of the lot. Pursuant to 15 USC 1605 a finance charge is sum of all charges. I was also charged incorrectly on the financed amount. If you use Retail Installment calculation you will see that an additional {$600.00} was included to the financed amount. The XXXX XXXX XXXX XXXX blatantly shows numerous items were included in the amount financed which is a violation.
Reimbursement of all payments made {$22000.00} & Down Payment Reimbursement of {$1000.00} shall be made by check payable to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved
|
| 05/27/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I got a phone call on XXXX from a number I didn't recognize, so I ignored the call because I was at work. About XXXX mins later my wife called me saying that shat had gotten a call saying I was going to be sued for a debt from XXXX. She confirmed that the number that I received a call from was the same number she received a call from. So I called and spoke to a guy saying I was getting sued and that I did not answer repeated request from his company to talk about a debt and they were trying to garnish my wages. He never told me the name of his company but I told him I didn't remember receiving any paperwork. He said maybe it got lost in the mail and that it happens more than I would think. His words, not mine. So he was supposed to send me whatever paperwork I was supposed to have received by the end of the day. I never received it so I called the next day and talked to him. He told me that he sent the paperwork in as I disputed the claim and wanted to go to court. Once again I still haven't gotten the name of his company nor did I give him permission to make a choice on how I was going move forward with whatever was being alleged. He then told me I owed like XXXX for towing fees in XXXX I told him I turned a car in to XXXX back then but if I remember right they did garnish my wages already. He then said it wasn't about the car it was for the towing and it was in the fine print. Noone ever told anything about that. And me being a first time buyer at the time. I thought I was legally able to assume that everything was ok when I signed the contract. He said I was being sued because I was ducking the company. I've lived in the same area, worked the same job for the last XXXX plus years. I'm not ducking anything. Like I told him I have chronic medical conditions I deal with daily, so something from XXXX isnt something I think about especially after XXXX years. I called again and requested the info via voicemail and I still haven't received anything and they have seemingly cut off all communication
|
| 02/28/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I refinanced my vehicle in XXXX of 2021, and was owed a {$780.00} refund from Ally for the remained of the GAP coverage that I purchased with the initial finance. I was told I would receive the refund check within 60 days. The refund did not show up. In XX/XX/2021 I received a letter informing me they had mailed a check that had never been cashed, and if I had not received the check to mail the form back so a new check could be issued. I mailed the form back, and after 30 days still had not received a check. I called Ally on XX/XX/XXXX, and was told a check had been issued the week prior, and to allow another week for it to be delivered. The check never arrived, so I called again on XX/XX/XXXX to follow up. I spoke with an employee named XXXX, who told me they were having issues with a 3rd party company they used to cut their checks. I told him if they were issuing another check it needed to be send via XXXX or some method with a tracking number. I told him if this wasn't resolved my next step would be filing a complaint with the XXXX. He said he would need to speak to his supervisor and call me back. He called back later that day, and said he got approval to send me a check via XXXX, but it would take 3 to 4 days before they could send the check, but that he would call me with the tracking number. After not hearing anything for 15 days I received a voicemail with a XXXX tracking number XXXX. This tracking number pulls up a package that was delivered to XXXX XXXX, CA, but I live in XXXX XXXX, TX. I also have a XXXX XXXX XXXX account, so I am alerted anytime a shipping label is created that is sent to my address. I have not gotten anything from XXXX, so there was no label created with my address. They have either given me someone else 's tracking number, or mailed my check to CA. I believe I have taken all reasonable steps, and not gotten my money back. I need help as I am getting the run around from this company. I do not have a loan number, they use my VIN XXXX to pull up it up when I call.
|
| 09/22/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Date of transaction was XXXX XX/XX/2023 @ XXXX check was deleievered to Ally. Check was Reconciled on XXXX XX/XX/2023 by Ally. The XXXX XXXX XXXX XXXX XXXX sent them a check for {$54000.00} u.s.c to pay off my loan XXXX Ally since I refianced my vehicle through my XXXX XXXX XXXX XXXXXXXX. I been banking with the XXXX XXXX XXXX XXXX union for over 10 years. The XXXX XXXX XXXX XXXX XXXX has also been helping me ( XXXX XXXX and XXXX ). The Nature of this disput was that the check was returned for no reasoning and that me ( XXXX XXXX or the XXXX XXXX XXXX XXXX XXXX did not recieve this check back. Ally also stated that they dont know where the check went back to or were it went. The bussiness has not helped or not tried to resolve the problem. This bussiness ( Ally ) sent me a letter to my parents residence stating that the vehicle was paid off and congratuatlations. Now to this date. The credit union send two check were ally stated they were reversed back and sent back with XXXX XXXX or the Credit Union not recieving the second check back. Everytime We call Ally, We got the run around and talk to atleast 7 people getting transferred to either customer service, collections and back to customer service. This bussiness has not helped and ruined my credit for telling me my vehicle has been paid off and reverse the transaction and now been 109 days since i made my last payment through them. I currently have two loan Now on 1 vehicle which i Shouldnt be doing. Ally now is trying to hit me with late fees and charges for something they should be responsable for. Tracking number for this chexk is through XXXX and is XXXX and the check was delievered on XXXX XX/XX/2023 at XXXX and was reconciled on XXXX XXXX XXXX status also shows reconcile which ill provide photos. No ad was not advertising. This is currently effecting my credit aince I been paying my new loan for the vehicle. Ally is totally at fault for this and is trying to have me pay fees I should have to since they never notified me about my checks
|
| 06/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
On XX/XX/XXXX I received an email from Ally Finances/ Ally Auto that I had entered a 4 month catch up plan. On the plan it stated that I would pay my monthly bill of XXXX plus extra to catch up on miss payments for XXXX and XXXX. The email states that I have payment would be made the XXXX of each month and I would return to regular payments once the plan was complete. I paid XXXX each month through ach payments. Completing my plan on XX/XX/XXXX. Last week I noticed I was receiving calls from ally. Today on XX/XX/XXXX I received a call that I was XXXX days behind on my payment for XXXX. They stated that my catch up plan caught me up until XX/XX/2023 even though the catch up plan ran til XX/XX/XXXX. they said they received my confirmation for my catch up plan on XX/XX/XXXX but I also owed a bill for XXXX thats XXXX dollars. I feel my agreement was broken as they explained that I was not paying the principle of XXXX each month and that the plan covered the months before. So my XXXX payment went toward XXXX and so on. This does not align with what I was told over the phone and what I viewed on my account when the payment was confirmed. I was told my regular payments would start back in XXXX after my catch up plan was complete but they started in XXXX. Meaning I would have to pay my catch up plan bill of XXXX and another bill for XXXX thats XXXX on top of lates fees. The catch up plan essentially did not catch me up. I called, chatted and sent a secured message via chat. I requested to see documentation of the original agreement and they said they cant give me that information. I am very upset and feel mislead. When I entered the agreement I was not told that my principle of XXXX would be applied to the month before that and I would have to make XXXX payments in XXXX. I have had an extension before and payed on time resuming regular payments with no problem. At the least I would like to see the original plan details and know why it was explained to me differently over the phone when I requested.
|
| 11/15/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/2023 I was charged {$120.00} from XXXX for a monthly subscription on my Ally credit card. I cancelled my monthly membership with XXXX a full 10 days prior to XX/XX/XXXX. I was then charged another {$120.00} again in XX/XX/2023, XXXX months after cancelling my membership. I called around XXXX XXXX XXXX to dispute that charge and during my phone call, I was disconnected from the agent ( calls are recorded I was told so this would be reflected ) and I wasnt sure if my dispute ever went through. I was sent documents telling me to call Ally before XX/XX/2023 or my dispute would be decided without any additional input from myself so clearly it was logged by an Ally employee even though we were disconnected before finishing the original report. I called Ally on XX/XX/2023 and I was told my dispute had been closed and not in my favor. I was told I could request my case be reopened in writing within 14 days and I did just that - wrote Ally a letter explaining the dispute situation and why I felt it should be reopened. I then received a letter stating my dispute had been closed. I called today, XX/XX/2023 to inquire why my dispute was closed when it was obvious this was a fraudulent charge and I was told by a rude Ally employee that it had been over 60 days since my original dispute was opened so it was automatically denied. This isnt even the same reason given in the letter I received from Ally dated XX/XX/2023 - in that letter it states my documents do not support my dispute even though I have direct confirmation my cancellation was received from the company that charged me the {$120.00}.
I have been screwed at every turn by this company - Ally first opened the dispute without getting all the information from me due to the call being dropped ; second Ally closed my dispute XXXX days prior to the stated date in their letter to me ; and third Ally automatically denied my request to have my dispute reopened due to some arbitrary statue of limitations. This is fraudulent business practices.
|
| 07/08/2018 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Confusing or missing disclosures
|
|
Web |
Servicemember |
|
On XX/XX/2018, I went to the Ally Bank web page and completed a Savings account application. It was said that I would receive an email to confirm my application was at least received, after all if one puts information like social security number and address as well as relatives names one should be assured. XXXX XXXX XXXX - Director eCommerce Care Contact would probably be surprised by this service example, I have 3 college degrees including a XXXX XXXX of XXXX, and have studied business and statistical analysis. Did the webmaster try to disprove or not let mine through to be processed. I am a minority and have served my country. I had to call the next morning XX/XX/2018, at about XXXX pacific time, were I was put on hold twice, because the person who answered said she at first had now knowledge of my application, even after getting my personal information I had to submit. By the way I am published so writing you and anyone else when inspired to for my well being, when prompted is no big deal. Finally, the person said they had to contact their said back office and said she found my Ally Savings application, over the phone said number XXXX. I asked for an email, since I had confirmed it and other information. The phone representative said it would not be available until after 48 hours, still no written assurance of the process proceeding so far. I have been recognized as a City of XXXX XXXX Commissioner where I had the local police investigated for destroying homeless minorities ID ans Social Security card. The DOJ was alerted since they were veterans, I received a report from internal affairs about this. I say this encase retaliation maybe part of this as a connection. I was seen as a here for bring the problem to attention. A city counsel member recommended my for two city commissions. The bottom line is this everyone got an email or notification it seems regularly for applying for an account. I should be treated the same for a chance to pursue happiness. I await my chance also. Thank you.
|
| 01/06/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
I feel behind on my payments due to the COVID-19 pandemic. While waiting for unemployment insurance to kick in ( which was particularly slow in California ), I attempted to contact Ally a number of times to arrange deferred payment arrangements. I was told that the car payments were " too far behind '' and that they entire balance would have to be brought current before a deferral or arrangement could be made, which defeats the purpose for making a deferral arrangement. I was told that if I wanted to negotiate a partial payment, I would need to speak with a manager, which I requested to do. I was told there were no managers available, due to pandemic closures, but was assured by a representative that a manager would call back within 24-48 hours. I received no return call. I attempted a number of times over the following months to speak to a manager and was always assured the same thing - that a manager would call back, but they never did.
After a few months, I received notification in the mail that I was being sued for possession of the vehicle. At this point, I ramped up my efforts to speak to someone at Ally to address this issue. I called at least a dozen times and I can provide XXXX call logs to verify this. On every single call, i was directed to a department that handles cases that have escalated to legal level. On EVERY single call, i was told the same thing - the only person who could help was a manager and they would have to call me back, as they don't take incoming calls. I requested this every time, yet never received a call back.
Ally Financial specifically led me on to believe that I would be contacted by management to discuss options for my vehicle, while in the background, they prepared a legal case against me and submitted it to the court. Their behavior is either gross negligence of the highest order, or it was intentional, which is tantamount to fraudulent intent and fraudulent misrepresentation. I am happy to provide copies of phone billing statements if necessary.
|
| 10/18/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I currently have Ally Auto Financial as my lien holder for my XXXX XXXX XXXX. Facts are as follows : - Hurricane Ibigal ; damage to my car and had to be towed to the body shop for repair on XX/XX/XXXXXXXX - XXXX car payment plus half an additional payment was made. ** Least amount paid every month before the XXXX, ( due XXXX ) was the monthly amount due/no missed payments/most payment were 1 & 1/2 the amount due** - XXXX XXXX XXXX notified me of Total Loss on XX/XX/XXXX. Updated XXXX XXXX via app of Ally Auto Fin info include acct #, payoff amount, contact #, total Loss ), all XXXX XXXX XXXX info given incl. policy # claim #, adjuster name and #, fax # etc. Permission to allow XXXX XXXX to discuss the account as needed for payoff. Received a payoff, per rep on XX/XX/XXXX. - Per rep, I was told to NOT pay my XX/XX/XXXXXXXX payment and to cancel the autopay which was already scheduled as " this would tie up the car 's payoff and lein release '' XX/XX/XXXX. Expressed my concerns regarding payment to rep. - XX/XX/XXXX, on three way with XXXX XXXX, Called, got transferred 8 times, and put on hold in between, total of 2 hrs. Ally couldn't give the payoff and instructed to call on Mon XX/XX/XXXX. - Called Mon, XX/XX/XXXX - XX/XX/XXXX, every day and was transferred to every department within Ally, with a cumulative telephone time with Ally of 16 hours. Every rep every deptt, " couldn't give it to me '' due to the system not generating. Requested manual calc - Credit Report updated per Ally, " Account Past Due '' on XX/XX/XXXX -Called Ally back with XXXX XXXX for another round of holding without payoff. Again expressing importance of payoff -Credit report updated " Delinquent '' - XXXX XX/XX/XXXX Called daily attempting to obtain payoff, Sent multiple emails, faxes and secure messages r/e payoff and importance, even beggins XXXX Ally FINALLY GAVE ME PAYOFF, including late fees that was their fault, @ XXXXXXXX XXXX/filed for repossessors at XXXX XXXX. Ruining my credit, no excess for down pmt
|
| 06/11/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
ALLY Bank froze and closed all of my accounts and denied access to my accounts completely a few days after I received a large pandemic XXXX XXXX {$10000.00} USD deposit from the Small Business Administration due to the name on the check being my business name " XXXX XXXX '' and did not match my real name on the bank account, " XXXX XXXX ''. I attempted to resolve the issue by providing my business license and DBA ( doing business as ) but they told me that they had already begun an investigation into my account and that I needed to contact the " US Treasury ''. Nobody at the treasury knew what was going on. I had 3 accounts open with ALLY - a checking account, a savings account, and a joint account with my partner.
On XX/XX/XXXX ALLY Bank closed all of my accounts and withdrew a " DDA Debit Memo '' which took every last cent out of my bank accounts at the time was totaled at {$4100.00} USD.
Received a call from ALLY Bank Called Ally on XX/XX/XXXX at XXXXXXXX XXXX XXXX US Time. I returned their call at XXXX XXXX XXXX US Time and found out about my account being closed and being under investigation for " suspicious activity. '' They provided a link for me to submit identification documents, which I did. I received no response.
Called ALLY again on XX/XX/XXXX at XXXX XXXX for an update, they were unable to provide any information on an update but made notes on my account to help their investigations department.
Called ALLY again on XX/XX/XXXX at XXXX XXXX for an update, they told me they can no longer help me as my accounts are completely closed and they will not reopen them.
Called ALLY again on XX/XX/XXXX at XXXX XXXX and they told me the same thing as before.
Called ALLY again on XX/XX/XXXX at XXXX XXXX and they told me that there is nothing more they can do.
I have almost lost all hope at this point and have been patiently waiting for ALLY Bank to conclude their investigation and send me my money back. I have received no word from them at all, I need my money back.
|
| 04/05/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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Date of Transaction : XX/XX/2023 and XX/XX/2023 Account number : XXXX I called Ally on the XXXX of XXXX to request an extension due to unforeseen dental expenses. The extension was contingent on me making a payment of {$370.00} within ten days of the agreement. I specifically asked the if payment needed to be received by the XXXX which is my normal due date to avoid a negative credit reporting. I was told as long as payment of {$370.00} by the XXXX you will be fine and no negative reporting will take place. I asked three more times got the same response. I was able to get my hands on the money on the XXXX, & made a payment of {$380.00} total. I called same day to confirm payment was received, to ensure the extension was in place & there would be no negative reporting on my credit. I was told it was received, extension was in place and there would be no negative reporting. However, on the XXXX they marked me 30 days past due. Today I have chatted with one rep & spoken to two. One identified herself as a SR. agent. Theyre claim is that the payment had to be received by the XXXX my normal due date. Not the XXXX as their rep previously told me. Funny because on the XXXX of XXXX they sent me a notice saying I was 21 days past due, so technically the rep I spoke with on the XXXX was correctthe XXXX would have been the XXXX day. If the rep I spoke with on the XXXX was wrong & gave me ill informationthen that is a problem, they need to work out with their rep, I should not be punished. This 30-day late mark dropped my credit score XXXX pts. I have asked for the calls to be reviewed from the XXXX & the XXXX. They tell me I need to wait 3-5 days then look for an email on the status? ABSOLUTELY NOT! I honestly believe even after they listen to the calls, they will lie about it. This needs to be resolved fast. If it was the XXXX that is the information I should have been given but it was not.
Today is XX/XX/23 Ive received no update or resolution. This is unacceptable and highly unprofessional.
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| 03/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XXXX XX/XX/XXXX ALLY FINANCIAL Attn : CFO XXXX XXXX XXXX XXXX, MN XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.
By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with ALLY FINANCIAL. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with ALLY FINANCIAL for review or collection.
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Best regards, XXXX XXXX
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| 04/04/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
|
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Web |
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I received a call from a caller ID that stated it was XXXX XXXX. I answered as I had a pending claim, and was told it they might need additional information. Once answering the person on the phone asked if I had authorized a transfer of {$1000.00} ( keeping in mind he already had all information needed for me to be under the impression it was actually the bank Including name, phone number, account number etc. ) He told me that it could get taken care of all 's I needed to do was approve the transaction from my end so that a reversal could take place ( which I received text/email confirmation of and that all of my money would be safe. After that he stated that he needed to check my other accounts to see if the same person tried to make a transaction with those accounts. He stated that there were 2 {$500.00} pending transfers in my account with ally bank, and that I needed to follow the same steps, and that everything would be taken care of. This call took place on XX/XX/XXXX from the phone number XXXX. I called that bank immediately after hanging up the phone to confirm the information. They informed me that i was not really talking to someone from the bank, then told me that there was no way to stop the transactions. I was told to file and claim and that my money would be returned in 10 days. I received no communication from either bank about the status of either claim so I called XX/XX/XXXX to check that status. I was told by Ally is was denied and they couldn't give me any more information until I received a letter in the mail, and XXXX XXXX wouldn't give me a straight answer. I finally received letters in the mail from both today XXXX that my claims were denied. I tried calling to see what else could be done to retrieve my XXXX that was taken and they told me it was my fault because I approved the transition on my end and they won't be giving my money back. They would as continue to transfer to me different people throughout all of the calls because they did know what to tell me.
|
| 11/11/2017 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
|
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My complaint involves the business practices and Debt collection practices of Ally Financial. XX/XX/XXXX I was in a bad XXXX XXXX at work and was in the hospital with a XXXX XXXX and XXXX that required XXXX causing me to be out of work for a while. I notified Ally because I knew i was going to get behind on the {$970.00} that I paid on time for two years. So I called Ally Financial and spoke to a manager on a recored line and advised her of my situation and medical condition and I would be on XXXX for a while. The manager then told me yes you are a good customer and what would you like to do? I advised her that I did not know how I was going to pay the car not and would like to give it back, she was then like o.k. thats an option and we would take it back and you would have nothing due to us because we would sell it.I paid in excess of {$15000.00} dollars on a care that was worth only {$39000.00}. Now we we tricked into buying the car due to the XXXX that we purchased at XXXX XXXX in XXXX, Ga had about eight recalls and two of them were safety recalls, so with that being said they would not allow us to take our XXXX home and gave us trade options. So now that I no longer have the vehicle Ally Financial has taken the vehicle back voluntary, but before they had the car they called in excess of 6 to 8 times a week in a harassing nature. I had to send them letters and ask them to stop calling and they did not. After sending several letters and seeing this on my credit report as negative they continue to harass me by adding XXXX dollars to the balance that I do not owe because they sold the vehicle and want to still come after me although the aforementioned Agent told me they would not. I sent them letters and they ignored several times and the last one I sent on XX/XX/XXXX I received no response until XX/XX/XXXX which was past 30 days. Now they are saying they cant find the conversation or any letters I sent and I have all copies I find this as corporate bullying and misrepresentation.
|
| 04/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I had a car loan on a XXXX XXXX XXXX with Ally Financial Inc .
This vehicle was purchased in late XXXX and was paid off one month ago on XX/XX/XXXX.
The bank noted that it takes 10 days to release the Title to me, as well as provide a release of lien letter.
I contacted the financial institution once again today to ask where my Title and Lien Release are.
They did not have a good answer and also asked that I wait up to an additional 30 days for a second lien release letter to be mailed to me.
The bank noted that they had to mail the first set of letters to the Clerk of Courts in the County in which the purchase was made.
I have been in contact with the Clerk of Courts in XXXX XXXX Ohio , they stated they did not receive any title or release from Ally for my account.
They checked electronically as well and did not have anything there either.
Currently I am now waiting even longer to get this lien release from Ally Financial Inc, but I am not sure what they mail will even make it to me.
I have major concerns that the team at Ally does not care that I can not drive my vehicle without plates, and they noted that I will need to take this lien release in person to the County Clerk.
The note here is that I now live 10 plus hours by car from the county clerk office in XXXX XXXX Ohio.
I have once again contacted the county clerk in ohio and was told that I can do this all by mail, which would be Mailing a form to them {$15.00} check Prepaid mailing envolope back to myself ( the mailing fee for overnight service and filing costs total about {$40.00} for protected and tracked mail in total ) I have not been able to drive my car for over a month as I will not illegally drive my vehicle because Ally is not able to provide the proper paper work nor define this process.
I have spent well over 16 hours on calls with them attempting to get this resolved and at this point I am losing hope that I will see resolution.
I may have to ask for a court ordered title at this point
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| 06/17/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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On XX/XX/XXXX, I leased a brand new XXXX XXXX XXXX through ALLY for my business as a XXXX XXXX. As the mortgage rates were at an all time high my business was doing very well but in return it caused me to have high mileage. Upon approaching a year, a had over XXXX miles on the car and I knew I had 2 more years remaining on the contract so I called to try to figure out how I could get out of the contract. I was told that I could sell the car and after a month that's what I did. Ally gave us the amount to settle thee lease and it was paid. I had already made {$6000.00} of on time lease payments. ALLY had me sell the vehicle for $ XXXX which is {$5000.00} above XXXX XXXX XXXX value of the vehicle. Vehicle SOLD. After almost 2 months I receive a call from Ally stating that I owed {$390.00} for choosing NOT to lease with them again. I was told at the selling of the vehicle that all fees were included in that payoff. They already charged me a ridiculous amount for an early termination fee and the Deposition fee was included in the sell price, so why am I being charged another Deposition fee when we were told it was included in the payoff amount along with the early termination fee. The guy XXXX told me that we were being charged another {$390.00} we decided not to lease with them again. To me that sounds like another Deposition fee?!!? I keep asking ALLY for a detail breakdown and ALLY told me that they would not submit that to me until I paid the {$390.00}. How is that right for ALLY to charge me yet again for an amount that was SUPPOSELY included in the payoff? The early termination was added so why am I now getting this amount after being told that ALL FEES were added in the payoff in which they told the dealership on speaker phone. Now what they are going to say is that they didn't include it but they did because we asked for the full balance including fees and that's what was paid. I shouldn't get a notice stating a still owe almost 2 months later because they can keep doing it.
|
| 05/17/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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|
Web |
Servicemember |
|
My name is XXXX XXXX XXXX XXXX and me and my wife XXXX XXXX XXXX have been illegally done wrong. i have been to XXXX XXXX Saturday XX/XX/XXXX for XXXX XXXX and XXXX XXXX issues, missed our trip to XXXX XXXX Ar. to our daughters grave and check on my sick XXXX XXXX XXXX mother, due to our XXXX XXXX XXXX being repossessed by Ally Financial XXXX XXXX XXXX XXXX MI XXXX ( XXXX ) XXXX and the chapter XXXX attorney Mr. XXXX & paralegal XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Texas XXXX ( XXXX ) XXXX was notified immediately the morning of XX/XX/XXXX after I was told by Ally while trying to make a payment that we were delinquent of 116 days of payments. I tried to ask questions, but since we are under a bankruptcy still in their system they need to speak with the attorney. I notified XXXX XXXX paralegal Mr. XXXX XXXX immediately XX/XX/XXXX that morning and he said that he was notifying Mr. XXXX the attorney and ask for a payment history. I immediately called Ally Financial back asap and requested a payment history. All these trumatizing events and lost of our car, XXXX XXXX XXXX trumas could have been prevented 2 weeks ago with a simple phone call as our paid legal representative should have done XX/XX/XXXX. This is so bad that we have lost our car, lost our opportunity to keep our positive credit we were trying to establish to refinance our home, get custody of our dead daughters children and a repo on our credit is lost of every penny spent 5 months catching up on our bills including paying Ally the arears of the 116 days of {$3500.00} in XXXX to bring the account current in order to keep my wifes {$58000.00} car XXXX retail ) I saved for 3 years to get her that XXXX XXXX XXXX for her birthday in XXXX. Now since we have been careful because XXXX took the lives of XXXX relatives already we have some doubts about the safety of some repo man in it. You can not put an amount on these damages to our lives that my XXXX & XXXX XXXX ect has gone through. Please help
|
| 12/10/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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|
Web |
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Ally Bank continues to hold my funds hostage. I still have not received a debit card and I've called over 10 times to report this issue and nothing is being done to resolve the issue. I have NO access to a branch or any other way to access funds I've deposited through electronic means. I've asked for deposit slips and checks as well. I have not been provided anything. They also have my outgoing XXXX transfers restricted so that they take 3 business days to process which normally should take 30 minutes or less. They have no problem accepting XXXX deposits immediately. Multiple people at the bank seem to just be lost in regards to these issues and can not help. I'm also unable to receive instant deposits from my XXXX XXXX pay because the bank can not figure out how to accept RTP ( real time payment ) transactions. Every other financial institution I've ever used has had no problem accepting, and making available any funds I've initiated for instant pay. Those financial institutions are XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. So if they have no problem accepting RTP transactions what's your excuse? If you have no idea what RTP is you should look it up. There's information listed online from XXXX XXXX XXXX. My biggest issues with Ally remain that I have no access to my funds outside of MULTIPLE business day ACH transfers because they will not get a debit card into my hands. My card should have been sent expedited in the first place and if you claim that mail is slowed due to COVID-19 you should reflect that in your agent time-frame which has been 5-7 business days. It has now been past 7 business days and my card is no-where to be found. I'm really tired of banks thinking they can just do what they want with no repercussions. I don't know what needs to be done but I expect a debit card in my hands by the time you get this. I expect a detailed answer on Real Time Payments through XXXX XXXX XXXX You can find out more as a financial institution by emailing them : XXXX XXXX
|
| 06/24/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
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On XX/XX/21 a payoff check was sent to Ally in XXXX, KY by XXXX. Ive notified XXXX representative XXXX on XX/XX/21 & XX/XX/21 regarding the check was sent, provided the check # and the amount so it could be applied to my account. I spoke to XXXX XXXX XXXX on XX/XX/21 regarding my payment hasnt been posted to account and by not posting the payment to my account right away is preventing me from getting another loan due to this loan is still open and its almost time for another payment thats due. I notified Ally on last week that I sold the car on XX/XX/21 and provided them with the name of the company that bought my car. Per the XXXX XXXX she will send a letter to corporate to see if they can locate the check. I called Ally today XX/XX/21, spoke to a Representative name XXXX. Per XXXX, XXXX is in a meeting and I cant speak to her. I tried to XXXX the Corporate office phone # which gave XXXX that is not a working #. I located another ph # to file a complaint which was XXXX. That ph # wasnt for corporate but reached a representative name XXXX in Canada. I was transferred to another Representative name XXXX which stated he could not locate my account with my social security # and that I reached Ally and not XXXX. Ive called XXXX ph # XXXX which is the same ph # where I reached The Representative XXXX, XXXX and Supervisor XXXX. I received a called back from XXXX around XXXX today XX/XX/21 which she left a message saying she was going to email me with status. I received the email today XX/XX/21 from XXXX which she states she XXXX hasnt replied and she was going to email them again. Per Representative XXXX by phone on yesterday XX/XX/21, since the check was sent to XXXX, KY theres no account for them to post the check to so Corporate will have to locate the check and when the check is cash in XXXX, KY, the department will have to reissue another check to Texas. This will cause more delays if this happens! It appears that No one is trying to locate my check to apply to my account.
|
| 12/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
In addition to being a ID theft victim, the info on my XXXX and XXXX reports are showing a car that was charged off but paid in full in XX/XX/2022 is showing XXXX ( CHARGE OFF/COLLECTIONSs ) on every month since XXXX of 2022.
How can this be? IF the loan was paid in full in XXXX why isnt the reporting of the loan being accurately reported?
The other issue is I am bot the person who got this loan as my ID was stolen. I am providing the FTC and Police report info with this complaint.
XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ALLY BANK XXXX XXXX XXXXXXXX XXXX # XXXX, MI XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
A copy of my credit report I received from annualcreditreport.com.
The fraudulent items are circled and listed here : 1. ALLY BANK AUTO Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.
Enclosed are the following : A copy of my credit report I received from XXXX The fraudulent items are circled.
A copy of my Identity Theft Victims Complaint and Affidavit.
A copy of my FTC Identity Theft Report.
Proof of my identity and proof of my address.
Confirmation of fraud alert.
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
I appreciate your prompt attention to this matter and await your reply.
Sincerely, XXXX XXXX Enclosures : Proof of identity : [ a copy of my driver 's license/other government-issued identification card/other ] Proof of address Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ] Copy of fraud alert
|
| 05/23/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On or about XX/XX/XXXX XXXX XXXX initiated a consumer credit transaction with this COMPANY. The COMPANY took a wet, blue ink signature on the agreement and sent the consumer a copy via email. When I reviewed the copy I noticed that the signature was completely and visibly altered. I signed the name in a very specific way, adding the words " w/out recourse. '' That signature acts as an acceptance on my part under certain conditions. The COMPANY accepted the agreement and then altered the agreement which is completely illegal. There is also no 2nd party signature anywhere on the document. Also, Please note also that I was never provided with any notices of my right to rescind per TILA regulations. On XXXX XXXX XXXX XXXX notified company that he wished to invoke his right to rescind his signature entirely on application number XXXX and the loan agreement and mailed in a Notice of rescission via certified mail number XXXX XXXX XXXX XXXX XXXX. No response was ever received by the COMPANY. I have since sent a Demand for Validation and Proof of Claim and asking for an explanation as to the alteration of my signature and also why my Notice of recession was dishonored and ignored. That letter was sent via certified mail number XXXX XXXX XXXX XXXX XXXX. Once again, no response.
That Notice was sent a 2nd time today on XXXX via certified mail number XXXX XXXX XXXX XXXX XXXX XXXX and this time was sent to the Corporate office intended for the XXXX XXXX XXXX. The Notice Contains it's own Self Executing Contract should the COMPANY wish to continue to illegally report this information to the consumer reporting agencies.
For the reasons stated above the account should 100 % be closed but if not I am also demanding validation of the debt pursuant to 15 U.S.C. 1692g. The law is clear and the company officials know what is meant by truly validating a debt and providing Proof of Claim. The docs were to large to attach to this file but I am happy to provide them to whoever requests a copy.
|
| 09/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Ally Financial Inc. has agreed to a settlement worth {>= $1,000,000} benefiting consumers who received notices from Ally that failed to comply with state requirements.
Two Classes have been established : Nationwide Class : Anyone who was named as a borrower, co-borrower, obligor, co-obligor, buyer, co-buyer, purchaser, co-purchaser, guarantor, owner, or co-owner in a Covered Contract, whose Covered Contract was secured by Collateral, whose Collateral was repossessed voluntarily or involuntarily and whose Collateral was disposed of during the Class Period.
Missouri Class : Anyone who obtained a Missouri Certificate of Title from a motor vehicle identifying Ally Financial as the lienholder as a result of entering into a Covered Contract, or who was named as a borrower, co-borrower, obligor, co-obligor, buyer, co-buyer, purchaser, co-purchaser, guarantor, owner, or co-owner with a Missouri address in a Covered Contract, whose Covered Contract was secured by Collateral, whose Collateral was repossessed voluntarily or involuntarily and whose Collateral was disposed of during the Class Period.
Ally also has agreed to no longer seek collection on a portion of any deficiency balance reflected as outstanding in Allys records after Ally repossessed and sold the property.
The value of this benefit, called the Gross Deficiency Waiver Amount, will be at least {$700.00} XXXX. The amount of the waiver will vary for each Class Member, but it will be the amount of their deficiency balance or {$1300.00}, whichever is lower.
ALERRRRRTTTTTTTTT!!!!!!!
In addition, Ally Financial has agreed to stop occurring finance and late charges on Class Members deficiency balances as of the settlements effective date, and will request that XXXX, XXXX, and XXXX delete trade-line information on Class Members credit reports that is related to their Ally account that is subject to this settlement.
FOR MORE INFORMATION VISIT THE WEBSITES : http : //www.allynoticeclass.com and XXXX XXXX XXXXXXXX
|
| 08/28/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Can't close your account
|
|
Web |
Older American |
|
In XXXX, I received several checks from my mutual fund company that were distributions from my father 's estate. I held these checks about a week and then deposited them in my local credit union. About a week later, I sought to transfer most of the funds to a money market savings account with Ally bank where I already had a joint account with my wife. Unbeknownst to me, the mutual fund company had stopped payment on the checks because of a calculation error. I noticed this almost immediately when my credit union account showed a large negative balance and immediately filled out forms at the credit union to reverse the XXXX transfers. The people at the credit union were very helpful and did not charge me for the several returned check fees that would have accrued. Later that XXXX, I initiated contact with Ally bank to close the account. I was told this would happen. It did not and my login at Ally showed this account with the balance that it would have had if the XXXX transfers had cleared but that the funds were not available. After about a couple of months, I finally got Ally to make the funds available show XXXX from the initial deposits and they said they would close the account. This never happened despite repeated requests. The account has accrued a bit over XXXX XXXX in " interest '' that was credited on the phantom balance. They have continued to promise to make the account balance XXXX and close the account but this has not happened. Now I am exposed to the possibility of receiving a 1099 for this " interest '' that is not mine. This may also expose _me_ to accusations of some sort of shady dealing. I would just like to be done with Ally bank and I can not believe they will not resolve this. I believe this is likely due to laziness and/or incompetence in the Ally bank IT department who are unable to bypass and resolve this somewhat unusual situation. I have attached an account statement. I have numerous messages with Ally as well and can add these if needed,
|
| 04/14/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I have held accounts with Ally Bank for many years without issue, until recently. Through what I believe was malware infected onto my phone, several fraudulent transactions through XXXX XXXX and XXXX took well over {$2000.00} out of my checking account. The transactions appear as though they were sent to my life partner, XXXX XXXX, but none of the transactions arrived in his account. All of the money was siphoned off to a still unknown source. XXXX XXXX refuses to delve into the transactions because they appear to have gone to someone I know, despite repeatedly telling them the money never arrived where the transactions state. So I disputed the transactions through Ally. For reasons that have yet to be fully explained to me, the Ally fraud department has locked me out of my account while they " investigate '' the matter. I have called the Ally fraud department countless times, and am told nothing can be done at all until the investigation is complete. While I appreciate them investigating the fraudulent transactions, this has completely cut me off from all of my money. My rent, student loan payment, internet bill, and phone bill are all late. I have no money to buy food or medicine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Ally has effectively ruined my life by locking me out of my account. I do not understand why a fraud investigation necessitates the account owner being completely cut all from all of his or her funds for an unspecified amount of time. I have been told it may take up to 90 days to resolve the investigation, which I find completely unreasonable. I would like to ask you reading this now, what if this happened to you? What if a crime happened to you where money was stolen right out of your bank account, and once you reported it to the bank, they completely locked your account, leaving you unable to pay any bills, buy food, or buy medicine? Would you find that acceptable?
|
| 06/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I am writing to bring to your attention a matter of concern regarding certain inquiries on my credit report that do not appear to be accurate. As a victim of identity theft, I have taken necessary steps to rectify the situation and protect my financial well-being. However, it has come to my attention that several companies have made inquiries that I believe to be excessive and potentially erroneous.
I kindly request that you investigate the following companies in relation to the mentioned inquiries on my credit report : 1. XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX 2. Ally Financial : - Dates : XX/XX/XXXX, and XX/XX/XXXX 3. XXXX XXXX XXXX : - Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX 4. XXXX XXXX : - Date : XX/XX/XXXX Considering the circumstances surrounding my identity theft case, I find these inquiries to be excessive and potentially indicative of fraudulent activity. I request a thorough investigation into these inquiries to determine their legitimacy and ensure compliance with the Fair Credit Reporting Act ( FCRA ).
Furthermore, I would like to emphasize the importance of ensuring a watermark-set signature for validation of my authorization to check my credit. This signature serves as evidence of my complaint and supports my request for inquiry removal. It is essential to protect consumers from unwarranted inquiries and safeguard their creditworthiness.
I intend to contact the XXXX XXXX XXXX ( XXXX ) and the Attorney General 's office to seek compliance and support regarding FCRA guidelines if necessary. I appreciate your assistance in resolving this matter promptly and ensuring the accuracy and integrity of my credit report.
Thank you for your attention to this inquiry removal request. I have enclosed a copy of my identification and any supporting documents that may assist in the investigation. Please do not hesitate to contact me if you require any additional information or if there are any updates regarding this matter.
|
| 01/29/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
On XX/XX/XXXX Ally Bank sent me an email that I needed to update the information for my beneficiary.
On XX/XX/XXXX I emailed through the bank 's website : " I received an email to update my beneficiary information. My only beneficiary is a charity. What do I need to update? '' On XX/XX/XXXX I received a response " Hello XXXX XXXX XXXX, Thank you for taking the time to contact Ally Bank. Your business is important to us and we apologize for the delay in responding to your e-mail. We are happy to assist you with your inquiry regarding the beneficiaries that you have on file with us.
Thank you for letting us know about the email you received. At this time, we can confirm this email was from Ally Bank. The FDIC is requiring Social Security Numbers to be listed for all beneficiaries effective XX/XX/2020 this is not mandatory until this date. Ally will be accepting other forms of identification in the near future for non U.S. Citizens and other entities. Required document information will be released as Ally Bank receives further details from the FDIC. Should you choose not to provide this information, your beneficiaries will remain on your account, however, you may lose a portion of your FDIC coverage. We apologize if this does cause any inconvenience.
We appreciate your business and want to thank you for choosing Ally Bank. If you have any additional questions, we are here for you 24 hours a day, seven days a week. Our toll free number is XXXX ( XXXX ) or you can always visit us online at allybank.com.
Sincerely, XXXX Ally Bank Customer Care '' On XX/XX/XXXX I wrote " XXXX, You obviously did not read my message. My only beneficiary is a CHARITY, which does not have a Social Security number. It has an EIN instead. Please confirm that you have the charity 's EIN on record. And please let me know immediately if you need any more information about my beneficiary. - XXXX '' I did not receive a response, so I repeated the email on XX/XX/XXXX. They have not responded.
|
| 09/18/2018 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
On or about XX/XX/XXXX I purchased a vehicle from XXXX XXXX XXXX for {$17000.00}, financed through Ally Financial. A XXXX XXXX XXXX, VIN : XXXX. The vehicle was repossessed on or about XX/XX/XXXX.
A dispute letter has been mailed to Ally and XXXX XXXX disputing the full amount of {$17000.00} for vehicle that Ally is requesting me to pay. Because the vehicle has been sold, I should not owe the full amount. Allys account number is : XXXX.
In addition, after the vehicle was repossessed, I did not receive any notices, and after the vehicle was sold I did not receive anything showing what the vehicle sold for : below is what I should have received from the financer, but I did not receive anything.
1 ) Notices should have states that they have the car in their possession and that the car will be sold to recover the amount owed ( this is called the Notice of Sale, which I did not receive. ) This notice should have been sent to me within ten days of their possession of the vehicle. Since they did not provide me with this information they can be barred from collecting on a deficiency judgment.
2 ) After the vehicle was sold the lender then is required to send me a second notice, stating the amount that they credited me from the resale, as well as a cancellation notice of the original sales contract.
Additionally, there were XXXX Insurance and service contract on the vehicle into the original purchase, these amounts should have been deducted from the amount that the Ally states I own.
When a finance company finances a vehicle then repossess it, they can not collect all of the money on the vehicle what it was initially sold for. Once the vehicle is sold, the finance company must provide proof the vehicle was in their repossessed and proof the vehicle was sold and how much the vehicle was sold for minus the initially sell of the vehicle.
It is unfair to collect all the money of a sold vehicle and then ruin a person 's credit for seven-years from a vehicle that is sold.
|
| 03/09/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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I was XXXX XXXX and since then had been struggling with keeping up with my bills. I owed {$920.00} to Ally Financial as of XX/XX/XXXX. I cashed out the remaining amount if my 401K to pay outstanding bills I had due to my being XXXX. I made an online payment to Ally on XX/XX/XXXX for the overdue balance of {$920.00}. Unfortunately my bank held my 401K cash out check longer than expected causing the funds to not be available in time for the {$920.00} to clear, causing the payment to Ally Financial for {$920.00} to be reversed on XX/XX/XXXX. I called Ally back XX/XX/XXXX and said I wanted to just pay the remaining balance owed not the outstanding balance of {$920.00} ( my 401K cash out had cleared at this point and funds were available ). The Ally representative said " I can not give you a payoff amount until you bring your account current your account is still showing a balance of {$920.00}. '' He also said " once your account is current call back and a payoff amount will be able to be provided. '' I made another online payment of {$920.00} and that payment did clear XX/XX/XXXX. I called back XX/XX/XXXX and got a payoff amount of {$2500.00}, since they my account was current they were able to provide the payoff amount. I made an online payment for {$2500.00} and that cleared as well. Weeks later I received a letter from Ally dated XX/XX/XXXX stating the balance was paid in full and they provided the original title of the vehicle in my name. At some point after my payoff Ally redeposited the first payment of {$920.00} that originally did not clear on XX/XX/XXXX ( even though I made a payment on XX/XX/XXXX to replace that returned payment AND paid of the payoff amount which cleared XX/XX/XXXX ). My bank returned to me the payment of {$920.00} that was deducted from my account AFTER I paid the payoff amount and received my paid letter with the title. Ally is now saying I owe them {$1000.00}. The account should be reflecting closed and paid in full as of XX/XX/XXXX.
|
| 01/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Personal information incorrect
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Web |
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My name is XXXX XXXX XXXX. I previously provided legal documents to each of the three credit bureaus attesting and verifying this fact. XXXX XXXX XXXX. Again, I attach verifying documents as requested by XXXX XXXX XXXX, and XXXX. I do not believe the errors in my credit report by mistake. My last name is not, XXXX, but there it is listed in my personal information. I demand strict proof that my name was reported as such, contrary to the XXXX position. I have been told the credit bureaus can not honor my prior complaint/request or portion of it based on a limited amount of information. Yet these are the very same credit bureaus who have previously stated they conducted a thorough investigation of my complaints, so which is it? Each of the credit bureaus states their role in the dispute process is to review the accuracy and completeness of any disputed item to which I demand strict proof of their review, accuracy, and completeness. XXXX continues to falsely report past due payments on accounts that have been closed, written off, discharged and forgiven. I demand strict proof of their original investigation into the underlying fraud associated with the use of the XXXX cards. Ally Bank continues to report two late payments on my car payment to which I demand strict proof of these delays, lapses or delinquencies. XXXX claims they are unable to locate a credit file for one of the following reasons. If this is the case how is it that XXXX is reporting credit inquiries on my credit report, continues to fraudulently report the XXXX, Ally Bank fraudulent reporting and more. Further, why is XXXX XXXX sending a response to my complaint when the XXXX office in XXXXXXXX Georgia has traditionally responded? XXXX XXXX continues to fraudulently report a chapter XXXX bankruptcy that was dismissed without discharge in violation of the law. How is it that CFPB can not get their enforcement act together and appropriately address these matters? I guess corruption pays the better.
|
| 05/20/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
Older American |
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I have an automatic payment set up for monthly draft payments for my home equity line of credit that I have had with Ally mortgage for 13 years, previously XXXX. On XX/XX/XXXX of XXXX, I sent in an updated REQUEST to change the bank the payments would be drafted from my account # XXXX XXXX XXXX checking account. I have ALL copies of the agreement, voided check, and their form completely filled out accurately and submited XXXX. On XXXX XXXX, XXXX, in response to my change in 'bank draft ' account number only - I got a confirmation letter from Ally acknowledging same - start draft date was XX/XX/XXXX bank account # XXXX contractual monthly payment ; {$1100.00} - but paying additional principal of $ XXXX acknowledged in writing by ALLY to me.
Since I have had that set up for 13 years, never had an issue, I did not go and audit my bank account in XXXX to confirm the payment was drafted. I got a letter from Ally dated XXXX indicating that I was 2 months due on my mortgage. I immediately called Ally and complained regarding the EXACT information and written confirmation from them. I said I want in WRITING a statement from ALLY that I would not be charged a 30 day late and or late payments and I would pay both immediately. BUT - since their service and promises are so bad and my requests repeatedly ignored - I told them I want the letter FIRST as I can see myself fighting them even more once they hit me with a late mortgage payment that was THEIR FAULT CLEARLY.
4 different representatives - all who have referred me to supervisors and then the supervisors have said twice the 'letter to confirm ' no late mortgage payments to me for any kind of late, especially a 30 day late due to the Bank 's ( Ally ) not properly acknowledging and drafting payments they had authorized and acknowledged.
i still sit now on hold for 45 minutes but this is another Bank unconscionable act and leaves the homeowners in dire straights during especially such a financially taxing time.
|
| 04/29/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
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Web |
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auto loan from ally financial 6yrs agreement, I paid 3yrs without late any month, unfortunately I loss my job late XXXX I lost my job and I did ask the bank to lower or stretch my finance because of loss job the bank said they will take the XXXXlate payment and they will investigate and see where to place me on refinance category, fortunately I have n't had anything from then so I cont inued to hassle and pay my bills for 4 month without late then I called the bank and asked again they said it still under review I should get a notice in the mail 9month later XXXX I asked them again they said in 3month I should receive a call or letter in mail so I continue 7month payment by XXXX XXXX things were not well and I asked the bank again and they kept asking me to keep paying a few months I should qualify for a program, which will be able to cut some interests and month I owe, I did referred them that 4times they have promised me and no results, so they told me how do I make payment on my other bills and how do I pay my rent and feed my self? they did called me XXXX XXXX for a while until I notify the creditor I want to keep my truck if you reconsider about my loan then my loan balance was {$8200.00}, i paid from $ XXXX.so they told me they will take the truck and auctions it and I will be liable a\still for the same amount because they 've made their money last yrs that I paid so later XXXX after they took it and I surrender it they sent me a letter told me the truck was sold {$5500.00} or more XXXX XXXX XXXXmiles snow plow and package was include only plow cost XXXX and truck worth around {$7500.00}, so the letter said it sold XXXX $ and I still owed themXXXX $ then later after 3collection company bought and adjust the numbers it came up XXXX while XXXX they said was XXXX then XXXX then XXXX the in credit profile says XXXX, i have tried my best to contact them on XXXX and they just give me a contact number when I called them I leave messages and no one call back
|
| 09/09/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
Ally Home Loans.
Escrow amount being collected is 77 % too high. {$780.00} vs. {$440.00} These are numbers calculated by the *mortgage lender themselves* in two different closing dis
closures. The higher amount on a closing document dated XX/XX/XXXX and sent before closing. The lower amount on a second closing document dated XX/XX/XXXX and sent AFTER closing.
The mortgage lender noticed their error after closing occurred and sent me a 2nd " final '' closing disclosure after closing papers were complete. However, the mortgage is being serviced with the 1st final closing disclosure still. If they used their own 2nd closing disclosure, we'd be done here.
I have their document saying that they need to fix it, but not the fix from them. It is now 38 days on. They do not respond to my email or phone calls anymore- they have not since XX/XX/XXXX.
History On XX/XX/XXXX they sent a final closing document and instructed me to wire the amount in the document immediately to make sure it was there before closing.
On XX/XX/XXXX, they wired an incorrect and insufficient amount to my closing. I was unable to close on the transaction.
They gave an incorrect wire transfer tracking number while reporting to me and the title company verbally as well as in writing that the correct amount was sent.
At XXXX XXXX EST on XX/XX/XXXX they sent this XXXX " final '' disclosure that still remains a problem On XX/XX/XXXX their error in sending a wrong closing amount was caught by the title agency. The mortgage lender indicated in writing that they have sent the remaining funds in the meantime.
On XX/XX/XXXX, a manager got involved and reiterated in writing that they sent the remaining funds on the 3rd and provided a wire tracking number in the same email that began with the date of the 4th. Then proceeded to deny any errors were caused by them- while blaming it all on others. They have gone silent since then refusing any further interaction including this correction.
|
| 10/22/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I have an interest Chequing account with Ally Bank. The account number, routing number, my signature, home address, date of birth and other vital information was compromised. I called the bank ( also in writing via their secure message process XXXX to confirm that someone having the above information ( and more ) would be able to access the account and withdraw all the funds. The bank representative confirmed that this is the case. I accordingly requested that to prevent such from happening, that they open an identical account, transfer the funds from the compromised account to the identical account and close the compromised account, thus being proactive and preventing any possibility of the party involved carrying out the possible fraud, in this case, robbing me of all the funds in the account, with the ability to do it over and over indefinitely.
They would not do it at the time I had them on the phone, saying they needed a few days to process the request. I knew that meant they would not do it and my suspicion was confirmed when I received a letter from them saying that because of my credit they could not do what I am asking. This is nonsense since I am not a new customer and I ALREADY have an account with them. All they have to do is as I have outlined herein and avoid the potential and highly likely fraud from happening. This has NOTHING to do with my credit. I already have an account with them and all I want is an identical account, but with a new account number, so the crooks can not steal the little money I have that I need to survive ( eat and pay bills and sometimes not even able to do that ). HELP! This is life and death for me and not a joke at any level. I am barely surviving and it would be catastrophic if one penny was stolen from me. In fact although I do not have or want Overdraft Protection, Ally Bank continually charges me Overdraft Fees of {$25.00} and that means my bills do not get paid and/or I have not money for food. Please help.
|
| 09/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I report abuse of trust by a former co-worker in the process of processing the AUTO loan and where they took advantage of my good will and conducted a whole process of strong consultations with different banks and financial companies, through deception, manipulation and tricks. unscrupulous The car process is requested by XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX - Please see attached data / Digital backup ). XXXX XXXX asked me to help accompany her to her office ( XXXX XXXX ) on XX/XX/XXXX, because she was being offered a car and she wanted to know the amount of the monthly payment and financial responsibilities. - First. They checked her credit and her credentials. ( SSN ) And the salesperson who helped her at that time told her that her credit score is incredibly low and that she needed to present a guarantee and contribute a higher premium to the AUTO. Given that the monthly fee would be approximately USD XXXX to XXXX.
Having this information, XXXX XXXX suggested to the seller that she try my personal credentials ( SSN ) to see the numbers and take advantage of my credit history and see if the monthly payment could be lowered.
So, $ XXXX was a very heavy amount for her finances. She was looking for an average fee of approximately USD XXXX.
I acted in good faith and with the healthy intention that we would try the alternatives and that she would make the best financial decision for her budget. She and the sales associate assured me that only 1 inquiry would be made to the credit bureau and that it would be smooth. And it would not affect my score in the slightest. situation, which is NOT true at all.
At no time do I request and/or provide my authorization for multiple inquiries to be made for credit validation and I NEVER request to be the main debtor and/or co-debtor in this credit process.
Here, the deceived, used and useful fool has been my person. And I was almost scammed, due to this bad practice and abuse of trust from my former co-worker.
|
| 11/26/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
This submission is not from a third party. I, XXXX XXXX. Natural person, XXXX, XXXX, XXXX, XXXX this notification of Federal violations and FederaXXXX laws. Ive notified ALLY FINANCIAL INC on XX/XX/XXXX of Fraudulent Activity and ask for documentary evidence of the alleged Debt. I Entered a Consumer credit Transaction with ALLY FINANCIAL INC on XX/XX/XXXX and a Finance charge was involved Pursuant to 12 CFR 226.4 Finance charge which is defined as definition The finance charge is the cost of consumer credit as a dollar amount. It includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the creditor as incident to or a condition of the extension of credit. It does not include any charge of a type payable in comparable cash transaction. Pursuant to 15 USC 1605 ( a ) Finance charge is the total sum of all charges there is not suppose to be cash taken in a consumer credit transaction Ally Financial INC Collected monthly payments from since 03/21/2018 which is a Violation of 12 CFR 226.4 and 15 USC 1605 ( a ) in Exhibits A, B Ally FINANCIAL INC Failed to disclose me my RIGHTS of RESCISSION and provide me with the appropriate forms to exercise my RIGHTS which is a violation of 15 USC 1635. ALLY FINANCIAL INC is in Violation for Criminal Liability for willful and knowing violation 15 USC 1611 ALLY FINANCIAL INC gave false or inaccurate information and Fail to disclose my RIGHTS I have been emotionally and physically harmed because of the hardship this company has put me through and being deceptive and not honest which holds ALLY FINANCIAL INC in violation of 15 USC 1640 and violation 15 USC 1692k all the violations are circled in the exhibits A, B. I would also want my money refunded by check of all payments paid already to ALLY FINANCIAL INC By Check to my address listed also zero out the balance an grant me my title lien Free. pay the invoices for compensation pay 3x the finance charge pursuant to 15 USC 1692 H
|
| 05/23/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
Ally Financial bank has been calling me regarding my auto loan, they have been charging me many many fees, late fees, late charges, etc on my car loan. I have asked to have all loan fees in writing to me on several different occasions, XXXX, 2016, XXXX 2016, and XXXX 2016. They have not done so. They say they will, but they have never sent out anything in writing to me so I can review all the over charges I am accruing. They say it is on my statement which is not true. My statement only shows me the latest over fee, nothing more. I am tired of the rude and mean behavior on the phone, they have put my car in collections, refused to work with me on keeping my car and threatened me that " someone '' will come get my car from me. If they can not show an accounting of all the fees I have been charged, then I should not have to pay them, but they argue and are aggressive on the phone not allowing me to speak at all, and lying to me about how they will send all the overcharges out to me, but never do. I have paid off the car loan, I had to pay all of the fees to obtain my car because they refused to take any of them off at all. They would not even consider it, they treated me like I was a criminal, an ingrate, and were very rude and unfriendly. They have made thousands of dollars from this loan, but I am the one who has paid all the fees with no accounting from them. I want to know what I paid and if these fees were reasonable. They already charge a high rate of interest for the loan, it is unconscionable that I or anyone should have to succumb to their demeaning behaviors and horrible costumer service. They were not helpful nor did they want to be. All they want is for the consumer to pay without regard for any accounting of what we are paying, and treating us without regard to our rights as consumers. I will never bank with this bank ever again, and I think they need to be investigated for their fraudulent banking activities and aggressive and rude tactics.
|
| 03/02/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I went online on XX/XX/XXXX to schedule a payment to come out of my checking account via XXXX on XX/XX/XXXX. I received a confirmation email this same day, stating that I had successfully scheduled my payment. ( Please see the attachment ). On XX/XX/XXXX, I received an email stating that my payment had been suspended due to the status of my account. I had not received any other communication ( phone call, text, letter ) about the payment being suspended. I called Ally on XX/XX/XXXX and spoke with a representative about the email that I received and was told that by the representative that I had not received an email from them. I had to explain that I had gotten an email from them. I was then offered to speak with someone on the online team. I asked if I would be able to speak with a supervisor, since I was not getting the answer that I needed. I was told that I could not but a supervisor would give me a call back by XXXX EST. I received a missed call and when I called back I was told that since I missed the call I would have to wait for another call from a supervisor and it would be by XXXX. I did not get that call. I called on XX/XX/XXXX, and spoke with a lady that stated her name was " XXXX XXXX XXXX. '' I asked to speak with a supervisor and was asked what was going on. I gave her the details and she placed me on hold supposedly getting a supervisor. She thought she had the phone muted and I heard her talking about me and when I responded, she immediately muted the phone and placed me on hold. When she came back on the line she said that her supervisor stated that just because you make a payment on an account does not mean that it immediately comes out of your checking account. This was not what I was calling in reference to. My issue was knowing why the payment was rejected by Ally not anything concerning my bank. I feel as if I have been given the run around and what was a simple question that I need the answers to, has still not been explainhed
|
| 01/22/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
I had a Ollo credit card that, it turns out, was issued by the XXXX XXXX XXXX according to the Ollo agent I spoke with on XX/XX/XXXX. I didn't use my card that often ; the last time was a few months ago, because it has a very high interest rate. In fact, I had to transfer a balance using a personal loan last year because the interest rate was over 30 %. Today I was looking to make a purchase with my Ollo card but it turned out that the account was closed. I looked through my emails and there were none from Ollo Card indicating that this would happen or that it had happened. The online Ollo " message center '' also did not include any messaging indicating my account would close if I didn't use, or that they had even closed it last month. I spoke to an agent XX/XX/XXXX and she told me the following : ( a ) that Ollo Card had closed my account in early XXXX ( b ) the Ollo Card had slipped into their credit card agreement a provision indicating that Ollo card doesn't have to communicate major changes to the account or impending changes to account status ( such as closure ) at all.
That is, they can make changes to the account with informing the customer either before or after.
Also, Ollo Card did not provide monthly statements for the last XXXX months and thus missed out on an opportunity to communicate impending changes related to my account. They did this deliberately, which was confirmed by the Ollo account rep I spoke with on XX/XX/XXXX. This was a regular practice even if I receive electronic statements. They only provide account statements in certain months of the year, which is not outlined in advance.
This was just sort of the abusive practices that banks used to practice in the lead up to and during the housing crisis of XXXX. Its possible the XXXX XXXX XXXX ( Ollo Card ) was one of the banks that routinely failed to communicate with customers or " lost '' mail sent to them. But wasn't this practice the subject of new legislation in XXXX?
|
| 03/16/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
This opportunity to cure is regarding application # XXXX Ally Bank denied credit extension and I am seeking compensation for damages.
" 706. Civil liability " ( a ) Any creditor who fails to comply with any requirement imposed under this title shall be liable to the aggrieved applicant in an amount equal to the sum of any actual damages sustained by such applicant acting either in an individual capacity or as a representative of a class.
" ( b ) Any creditor who fails to comply with any requirement imposed under this title shall be liable to the aggrieved applicant for punitive damages in an amount not greater than {$10000.00}, as determined by the court, in addition to any actual damages provided in section 706 ( a ) : Provided^ hoverer^ That in pursuing the recovery allowed under this subsection, the applicant may proceed only in an individual capacity and not as a representative of a class.
" ( c ) Section 706 ( b ) notwithstanding, any creditor who fails to comply with any requirement imposed under this title may be liable for punitive damages in the case of a class action in such amount as the court may allow, except that as to each member of the class no minimum recovery shall be applicable, and the total recovery in such action shall not exceed the lesser of {$100000.00} or 1 percent of the net worth of the creditor. In determining the amount of award in any class action, the court shall consider, among other relevant factors, the amount of any actual damages awarded, the frequency and persistence of failures of compliance by the creditor, the resources of the creditor, the number of persons adversely affected, and the extent to which the creditor 's failure of compliance was intentional.
As stated in PART 1002 - EQUAL CREDIT OPPORTUNITY ACT ( REGULATION B ) As per United States Constitution I can take Ally Bank to Federal Court and Sue for this matter.
There is nothing else above the law and I hope you govern your self correctly.
|
| 05/12/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
Ally bank has charged a total of {$120.00} in overdraft fees for a {$2.00} overdraft, and is not following their own rules regarding overdrafts.
My account was overdrawn by {$3.00} by XXXX, and I attempted to connect a XXXX checking account to the Ally account to pay the overdraft. In the process, XXXX made two test deposits of {$0.00} and {$0.00}. Ally charged a {$25.00} fee for each of these test deposits being recalled to XXXX, without, as far as I can fell, actually sending XXXX the {$0.00} they charged two overdraft fees for. Additionally, despite both test deposits being charged the same day, Ally charged two overdraft fees on different days for transactions attempted on the same day ( contrary to their rule of only charging one overdraft per day ).
I contacted Ally on XXXX to explain the situation, and on XX/XX/XXXX they did refund the two overdraft fees for the test deposits. However, on XXXX and XX/XX/XXXX they charged two more overdraft fees for recurring charges that were not covered ( a total of {$50.00} in fees for a charge of {$2.00} that XXXX attempted twice and was not debited from my account by Ally ).
Today, XX/XX/XXXX, I contacted Ally to see what was going on and to attempt to close the account. When I asked the person I spoke to if I has opted-in to overdraft services/fees, he told me that it is not possible to opt-out of overdraft services at Ally bank ( which seems illegal under the opt-in requirement of XXXX ). He also said that my account had been restricted due to the overdrafts and no more overdrafts would be charged due to it being overdrawn, which made me wonder why they hadnt done that on XXXX when they became aware of the whole situation.
As it stands, my account balance is - {$77.00}, of which {$75.00} is fees for overdrafts and {$2.00} is the amount of actual overdraft paid by Ally. It is totally absurd, but the customer service person I spoke to today said that there is nothing that can be done about it.
|
| 07/24/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
On XXXX we closed refinancing our home mortgage and the funds were transferred to our old mortgage company, Ally Bank. On XXXX I discovered that Ally Bank was not showing the mortgage paid off. I then began reaching out to both companies to get it resolved. Through calls they have confirmed for me they received the funds but they were not applied correctly to my mortgage due to the an error in the wire transfer not including the account number in the routing number. On asking what needed to be done to fixed told it would not be a problem to correct. Two weeks later and many phone calls I continue to be told the right people are working on it but no one can provide me time table to resolution or any clear next steps when to expect progress on correcting the issue. I have included below a summary as best I recall of the activities. Until the last few days I was not keeping the log real time so some dates may be in error but it is very close to the activity. Will also attach the wire transfer confirmation that was sent on XX/XX/XXXX to Ally Bank.
Called on XXXX to see why loan not payed off, was told not received and to reach out to new lender.
On XX/XX/XXXX got wire confirmation from new lender.
Called back to Ally and explained have the wire confirmation. Was given email to send it to and told they would correct. Sent payoff information as advised on XX/XX/XXXX including PDF of wire transfer confirmation Believe on XX/XX/XXXX reached, Be (? ), was most helpful who finally determined issue. The routing number for the wire was wrong so they received the funds but it did not route to my mortgage correctley Told escalated to her supervisor and to payoffs supervisor.
Multiple calls ever ~2 days always told in good hands and being worked. Did not document these well.
On XX/XX/XXXX talked to XXXX, again confirmed the transfer was received but had account number wrong. Was sending again to payoff department, committed to call me back within a day.
|
| 10/02/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
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I applied for an Ally checking account and savings account. I ws granted XXXX. a total of {$20.00} was transferred to those accounts out of my checking account I have had for a while. Then Ally blocked my accounts with them and told them I have to prove to them who I say I am. I called and emailed them several times. Finally I was told they performed a credit check and it did n't go through. During the application process I was never told my credit would be checked by Ally Bank. Also if the credit check did n't go through why did they transfer my money to their accounts? They should n't have done that. The application process should have been stalled until this was settled. I also told them I froze my credit report because I was a victim of identity theft a few years ago. I told them they need to return my money and close my Ally Bank accounts. Instead they refused and if was after this they sent me a signature card which I signed and returned and they keep sending me emails but they refuse to unlock my account, they refuse to return my money and they refuse to close my Ally accounts. They never received my permission to perform a credit check and never said during the application process they would do so. Since the credit check did n't go through they should never have approved me for accounts with them and never should have transferred the money. They have committed petty theft ( stole and refused to return {$20.00} XXXX and they have committed banking fraud and illegally tried to access my credit report without permission. I want my money back and the ally accounts closed. If Ally Bank still refuses to return the money I want criminal charges pressed against the fraudulent company for petty theft and banking fraud.
They keep sending me emails and mail so obviously they know I 'm not a fraud. Ally Bank is the fraud. They have sent me a checkbook and a banking card. I have n't used any of the checks and I have n't activated the banking card.
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| 03/21/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem making or receiving payments
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Web |
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I have used XXXX for a couple years. XXXX lets you do an instant transfer to your bank by charging a fee, or you can transfer to your bank and wait 1-3 days with no fee. I have used the instant transfer several times over the course of a couple years to transfer funds to my Ally bank account. Recently Ally made an update that they will not make the funds available from the instant transfer until XXXX, or the next day depending on what time the transaction was done. There was zero notification of this change. On XX/XX/XXXX I called because the transaction did not show up instantly as in the past and was told they were doing an update to their debit card system. She implied it was a temporary issue and only happened because it was being updated. So, I did not have access to my funds. That is perfectly understandable, and I am aware banks need to perform updates. On XX/XX/XXXX, I again did an instant transfer, and it did not post immediately. I again called and was told by a rep named XXXX that it was not a temporary issue and they had changed their system. I asked for a supervisor because I was stuck out of town with a health issue and needed the funds to be able to make it home. Even though they could see the funds had been transferred they refused to make them available claiming they would either be available around XXXX or the next day. When I asked since they have known their update caused an issue that had been going on at least 2 weeks why customers had not been notified. The supervisor, XXXX told me I had been sent an email which was a complete and total lie. There were also no notifications. The point of my story is they made changes that affect customers with zero notification and zero concern as to how it affects customers. I am not sure if they are trying to get the " float '' from delaying customer access to their own money or if it truly is just an update and will go back to being instant in the future. No other bank has done this.
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| 09/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Pursuant to 15 USC 1666b A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent. XXXX was not given any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. XXXX is reporting unauthorized inquiries on my CONSUMER REPORT. XXXX is in DIRECT violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. There are several errors now listed on a updated credit report as of XX/XX/2022. ENCLOSED IN THE LEGAL DOCUMENT SENT TO XXXX WERE A COPY OF MY ID ( DRIVERS LICENSE ), AND A UTILITY/CABLE BILL STATEMENT FOR PROOF OF ADDRESS. Pursuant to 15 USC 1666b A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. These concerns were disputed on XX/XX/2022 and have not been removed. the dispute was sent certified mail with return to sender. There are several errors now listed on a updated credit report as of XX/XX/2022. XXXX has caused severe stress and anxiety due to the abusive and unfair practices.
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| 11/29/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
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My ally financial account # is : XXXX This account is XXXX years old. I have XXXX bank accounts stored on file in ally financial auto app I been using since inception of loan ( XXXX ) ... ... I RECENTLY FILED A CPB COMPLAINT AGAINST ALLY REGARDING XXXX LATE PAYMENTS THEY WERE REPORTING ... ... .after directly disputing with them & bureaus for two years & two years of THE only negative late payments, it was finally corrected as a result of my complaint with you all!
Now I seem to be experiencing some retribution or hazing!
My wife made a payment in amount of XXXX on XX/XX/XXXX using her XXXX XXXX routing/acct number ( XXXX ) which is listed on my ally app ( I been using ally apt to pay since day XXXX ) ally state payment was returnedXXXX XXXX shows XXXX deducted on XX/XX/XXXX & there has been no return of money since. THE MONEY IS MISSING AS OF DATE then I personally made a XXXX payment last wednesday ( XXXX ) using my listed XXXX acct XXXX which Is again listed on account & used for last XXXX years. IT TOO WAS RETURNED!
I looked in app to see payment info & why returned. It had an different last digit on account ( XXXX vice my account XXXX ) SO SOMETHING IS GOING ON!!!!! SOMEBODY IS PLAYING GAMES!!!! EVERY SINCE LATE PAYMENT DISPUTE!
My XXXX payment account been used & stored for XXXX years. All I do is click on it!
In fact, both MY XXXX & MY WIFE XXXX IS STORED. There's no manual input during payment just a click WELL I BERN CALLING SINCE XX/XX/XXXX ABOUT HER XXXX PAYMENT & NOW ABOUT MY XXXX PAYMENT & IM ON PHONE XXXX NOW GETTING TRANSFERRED OVERSEAS TO LADIES WHO HAVE NO CLUE WHAT THEY TALKING ABOUT. They refuse to put me on phone with supervisor here in states! LADY TOLD ME MY WIFE MADE XXXX PAYMENT USING SOME ACCOUNT # WE HAVE NO KNOWLEDGE OF. SHE ABSOLUTELY COULDN'T ANSWER HOW MY ACCT LAST DIGIT CHANGE. told me to ask my wife. LBS XXXX cans my XXXX payment but my wife 's XXXX been missing & not returned since XX/XX/XXXX!!! -
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| 04/02/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
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I have a leased vehicle with Ally Finances. I received a notifier a couple of weeks ago showing that my credit score has dropped by XXXX points. I check to see what was the issue and found out that alloy basically reported that I was not making car payments. I called Ally only to be in form that the car that my ex-wife has hasnt been paid on and a Extension had been added to the vehicle. So I asked him why wasnt I notified that the car payment was late and about the extension. He stated that they notified me. I requested all of the contact information they had which was all wrong my address was wrong the email address on file was wrong and also the telephone number was wrong. They also informed me that a extension had been accepted for the vehicle payments which I did not Request or Give consent to. They informed me That I would be responsible for the extension payment of 500+dollars. I explained to them that I dont see how I would be XXXX responsible for something that I didnt request nor did I give consent to nor was I contacted. Upon a father conversation with them I found out that they allow an unauthorized person to change all the contact information associated with my account and also allowed them to make unauthorized decisions on my account. So I explain to them that all of the contact information they had was wrong I was told two different stories the first customer service rep told me that no one could make changes to my account unless they have the account number and I told him no had access to the loan info because it locked in my truck. The customer service supervisor told me that someone could make changes to my account if they know the last four numbers of my social my name and address or just the account number. They had been sending the bill statement to the wrong address with the account number on it. So I was told two different stories. To make a long story short they expect me to pay all these fees that I didnt authorize.
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| 03/24/2020 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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I used my Ally Bank debit card to book an {$890.00} airline ticket with XXXX XXXX. But then, Coronavirus came, and I tried to call XXXX XXXX to refund this amount, as per the airline 's policy. During this process I fell victim to an online scam : 1 ) I searched XXXX for " XXXX XXXX contact info '' and saw the merchant 's deceptive ad ( screenshot attached ) with a phone number, which I had assumed to be XXXX XXXX ( it wasn't ).
2 ) Merchant falsely represented themselves as a XXXX XXXX representative, but stated that " computers are down due to call volume due to Coronavirus '' so proceeded to ask me for all my information -- confirmation number, flight number, billing amount. Merchant said that they could then proceed to issue a refund, but would have to charge me a {$160.00} fee.
3 ) I gave credit card details expecting to pay {$160.00} for a service that would cancel/refund my XXXX XXXX flight. I got a receipt from merchant stating " your flight has been cancelled '' ( screenshot attached ).
4 ) Flight was not cancelled. I did not get service provided as documented on the receipt. Then realized that Merchant is not XXXX XXXX ... called the real XXXX XXXX who confirmed that this is a scam, and that this 3rd party could not cancel the flight on my behalf.
5 ) Upon further research I found that merchant is using this same telephone number on a number of fraudulent domains such as " XXXX XXXX contact '', " XXXX XXXX contact '', many of which are based in XXXX ( XXXX ). ( screenshot attached ).
I believe this to be an online scam where merchant phishes for people thinking they're contacting an airline, takes credit card information, and charges fees for fake service which they don't and can't provide. Merchant lies on the phone and falsely claims to be the airline in question.
{$160.00} fee was originally billed as " XXXX, VA '' from some virginia address, but when the charge settled it changed to " XXXX XXXX IL '' ( Illinois ).
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| 03/20/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Taking out the loan or lease
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Web |
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I leased my car from Ally Bank for 39 months and fulfilled the terms. When I was purchasing this same vehicle, I noticed a discrepancy on the lease agreement between the residual price and the purchase price of my car ( {$2500.00} ). I was at my dealership with my husband to purchase the vehicle and we questioned this discrepancy. My salesman called Ally Bank & after several phone calls ( we got disconnect once ) and transferred several times, we finally got someone who could answer our question. He ( XXXX XXXX, I believe ) told us that the fee of {$2500.00} was because we had to pay for all of the " bad '' leases in the past but they stopped doing that in XXXX. ( I leased my car in XXXX ). Furthermore, I fulfilled my lease and why should I pay for someone else 's bad debt. We then asked for a supervisor. She XXXX XXXX who spoke with a slight foreign accent ) told us that it was non-negotiable and that out of the {$2500.00}, {$2000.00} going to Ally and {$500.00} was going to the dealership, which my salesman & finance manager denied. She actually got a bit irate at XXXX point when speaking with my husband as she thought that she was speaking with the salesman. However, my husband introduced himself by his name as the XXXX. Our salesman confirmed this with her. The residual value was the number that they worked from to get my lease terms and what the car '' s purchase price should have been at the end of the lease. So they charged us, {$2500.00} more than the car 's residual value and of course, financed it for us. We are already upside down on the value of our car. We love everything about this dealership, they are professional in every way! Let this complaint be no reflection on them. Their hands were tied. It 's Ally Bank that did n't do the right thing. We feel cheated & taken advantage of. This happened Saturday, XXXX XXXX, XXXX between the hours of XXXX XXXX and XXXX XXXX eastern standard time. Please see the attached lease agreement.
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| 11/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. 3 credit bureau shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at 3 credit bureaus are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I hope these disputed account are updated.
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Date Opened : XX/XX/18 Balance : {$0.00}
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| 11/12/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Company closed your account
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Web |
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Opened an Ally Online Savings Account on XX/XX/2021 The account was opened successfully via the web interface and I logged into their mobile app to check out the their user interface. I spent the day connecting and verifying my other external banks for transfers to Ally. I submitted some small transfers to Ally in order to test out their user interface.
The next morning, XX/XX/2021, I finished the verification process and received a call from an unknown number claiming to be Ally to verify some information? I suspected a phishing attempt so I asked to call them back for security purposes and confirmed it was indeed Ally. The representative I spoke to asked me some security questions to which I answered and he informed me that my account was now verify and he would be opening up my savings account ( I had no idea it wasn't open ). He informed me that my account had to be funded within 30 days or it would be closed. I asked him if my transfers would be going through since I had initiated them prior to this phone call and he said they would, this was at XXXX I received an email at XXXX saying my telephone banking pin had been changed ( I never set this up ) and to contact Ally if I did not make this change. I tried to login to the mobile app at XXXX and received a notice that my account had been locked out so I called Ally to see what was going on. The representative on the phone transferred me over to their back department and the rep I spoke to informed me that my account was flagged and would be closed for suspicious activity and they would not be able to have a banking relationship with me. If I applied again my account would immediately be closed and there was no way I could appeal this decision.
I pulled a XXXX report and everything is listed there are no issues there I find it strange that my account was only opened for a day, I had no money in the account, everything had been verified properly and then closed without explanation
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| 02/07/2016 |
Yes |
- Bank account or service
- Checking account
|
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Web |
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I have an account with Ally Bank. As per the Ally bank website and their customer service, Ally bank does n't charge any fees for incoming international wire transfers. However I find that for an incoming wire transfer, I was charged {$30.00}. When I enquired with Ally Bank customer service about the fee, they told me that they could n't help me trace why their own designated intermediary bank ( XXXX XXXX XXXX ) charged the fee. They further told me that on incoming wires I should ask the sender bank to mark field XXXX as " OUR ''. This was n't mentioned anywhere on their website. I am pasting below the exact information about incoming wires on their website verbatim for your reference : XXXX BEGIN ALLY WEBSITE INFO XXXX Top Related FAQs How do I receive a wire transfer?
To receive a wire transfer from another bank in the U.S. : You 'll need to provide the following information to the person or business sending the wire transfer to you : Receiving Bank : Ally Bank ABA/Routing Number : XXXX Address : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Beneficiary Account Number : Your Ally Bank Account Number Beneficiary Name : Name as it appears on your Ally Bank Account To receive a wire transfer from a non-U.S. bank : Incoming wire transfers from a non-US bank are processed by our designated receiving bank, XXXX XXXX XXXX XXXX, XXXX.
You 'll need to provide the following information to the person or business sending the wire transfer to you : Receiving Bank : XXXX XXXX XXXX XXXX, XXXX.
ABA/Routing Number : XXXX Address : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX or Bank Identification Code : XXXX Beneficiary Account Number : XXXX Beneficiary Name : List 'Ally Bank ' since the wire is being processed by XXXX XXXX XXXX XXXX , XXXX.
Further Credit : Your Ally Bank Account Number and your name as it appears on your Ally Bank account.
Note : We wo n't charge you to receive a wire transfer into your Ally account.
XXXX END ALLY WEBSITE INFO XXXX
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| 11/17/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
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I leased a vehicle with Ally Financial from XXXX XXXX. During this time, I NEVER missed or had a late payment. When I returned the vehicle, they billed me {$510.00} and automatically took out {$280.00} from my account without my approval. When I called to get an explanation of the charges, whomever I spoke with told me that the {$280.00} was for a security deposit, which was never stated on the invoice. I then asked my dealership if they had any idea what this was for, and they told me to not pay anything until they could speak with them. Unfortunately, this was now XX/XX/XXXX, right when everything was shut down because of covid. I didn't hear from Ally or my dealership for over a year. Ally started calling again so I asked them to send me an invoice stating what I owe and why and then I would pay, but they never sent any documents. Eventually, they sent me to collections in XX/XX/XXXX. I paid the collections right away. I then called Ally to dispute the 'late payment ' they have reported to the credit bureau XXXX They refuse to remove the report even though they have on file that it says the invoices were sent to the wrong address. To add to this, they are saying that as of XX/XX/XXXX I still owe the remaining balance, even though I paid the collections bill on XX/XX/XXXX. I called the collections company to confirm and they said that it is paid in full and they will be sending it off to Ally as a dispute. Ally has reported a late payment for XXXX and XXXX, even though this was paid in XXXX! I have been extremely disappointed throughout this entire situation. Not only did they send the documents/invoices to the wrong address so I could never pay the balance, but their system also has still not updated the paid-in-full balance. I still believe the report should be removed, especially given the fact they have yet to update their system for the paid balance. This is one of the worst and most unprofessional situations I have dealt with.
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| 11/22/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I have tried to reach out to Ally Bank, I reached out to someone from Ally Bank with the name of XXXX, no last name was given title Executive Customer Relations, and I have not received the satisfaction that I deserve. Now I am turning this Attention to XXXX XXXX XXXX of Ally Financial Concerning the purchase at XXXX XXXX on XX/XX/2022. I am bringing to your attention about a concern which is Urgent and time Sensitive. It's the matter of account XXXX. And the contract which was given to me to sign which is unlawful, and a violation of my human rights as a Consumer. When I really sat down and looked over this contract, I notice so many illegalities. First of all, I was never given the opportunity to go over this contract also the customer representative never went over this contract with me, and they violated my unknowing knowledge. I asked them can I take the contract home I was told no, I also asked If I decided not to want the car can I bring it back the answer again was no, being eager for transportation I signed the contract, But I kept looking over the contract and i notice so many illegalities. There is no such of a matter that once you signed a contract you are bind to it especially if the dealership did not explicitly explain the calculation of finance charges as well as other unknowing charges. Truth and lending u.s code 1601.
Now Because I refuse for ally to further take advantage of me with this illegal contract I am being threaten with repossession of my property, this is not about wanting something for nothing, XXXX XXXX XXXX you and I know that the moment I step into that car dealership with my signature and social security # which is also against the law, that car was paid for also its the matter of the promissory note I sent to you on XX/XX/2022 which you didn't accept but yet never sent it back. Another payment. I am asking you to deal with this situation Immediately and to stop action on repossessing my property.
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| 01/09/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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I have transfer money to the same lady bank account 4 times in year 2020. I have waited over 1 year for her to deliver on her words but she did not honor her promise. I have taken out additional loan in order to have these sums to transfer to her, and have written email with her and have other document received to back up what she in her organization will do after she received the funds. But, she and the organization have never honored her words. And it is over 1 year now and they still do not honor their words, in fact, they are keep changing the price, increasing the price, that, no matter how much amount of money I send to them, is never enough. I have all documents to prove each time why I send such amount as she have requested, but they never once honored their words to deliver on their promise once they have received my transfer funds to her bank account.
The dates below and the amount I have transfer to her bank account : 1. {$5500.00} in XX/XX/2020 I have split into 2 different transfer to send the total amount of {$32000.00} as : 2. {$15000.00} in XX/XX/2020 3. {$17000.00} in XX/XX/2020 This transaction was heavily funded from a loan I applied for online in order to send 4. {$25000.00} in XXXX XXXX I have called my bank to explain to them this situation, but, the bank said it is money transfer that I have authorized, therefore, they can not help me to get my money back. The same person that have received my transfer 4 times is a fraudulent person that is scamming me because they have not deliver on their promise. Please help me to get my money back as this is a lady scamming me of my money because I had believed she would deliver on her promise, but, not once did she delivered on her promised. I have all emails exchange with her as proof and each step of the documents to back up what she will do once she received the funds, but, it has not come true at all. Therefore, this is a scam. Please help me to get my money back.
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| 04/14/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
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Web |
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On XX/XX/XXXX and XXXX of 2023, I went on a XXXX XXXX. There was an issue with my sail and sign card giving me an error code of XXXX. I went from machine to machine and sometimes it worked fine and other times I received the error code. What I didn't know was every time I received the code, I was being charged. I showed 3 attendants at XXXXXXXX what was going on and they did know what the code meant. When I showed them the error code I was charged XXXX, just for showing them what was going on. I received a print out of my charges and on the 1st day and 2nd day of the cruise I was charged around XXXX to XXXX. Its that did not make. I went from customer service to casino and they printed out a report that said I had charged it. I told them to look at the surveillance video and they would be able to tell what was going on. No one at XXXX or XXXX XXXX XXXX would listen to me and they never would allow me to view the surveillance. I called XXXX XXXX office from the ship and the lady said she would look into it. A few days later the holds were lifted off of my account so I thought everything was good. As soon as I leave the ship they put the charges back on my accounts. I have several credit cards on file with XXXX and they were all charged the fraudulent charges and all of the cards keep putting the charges back on my accounts. Then I will call them again because XXXX keeps sending them the paperwork that says I charged that much. They will not send the surveillance which is what is needed. XXXX XXXXXXXX allowed them to go over my credit limit by XXXX and they are refusing to adjust. I have been back and forth with them all and I am getting no where. This has been going on since the XXXX of XXXX in dealing with XXXX and I have been dealing with my credit cards since XX/XX/XXXX. Nothing is being resolved and I did not make those charges. My credit rating has dropped dramatically and no one will help. This is unfair and I want justice.
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| 07/10/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Servicemember |
|
I purchased the car ( XXXX XXXX XXXX ) in XX/XX/XXXX. The dealer 's website advertised/implied a 3month/3000 mile warranty on all vehicles or 6/6000 for veterans ( which I am ). I owned the vehicle for 6 weeks and 2800miles before a major mechanical failure occurred. The motor was blown and the repair estimates ranged from XXXX to XXXX to replace. I contacted the dealer and they stated that the car was purchased as is with no warranty, they could only offer to provide a used motor at my cost if I needed the assistance in locating one. After several weeks of trying to work with the dealer and repair facility for a solution, I notified the finance company ( Ally Financial ) of the situation. The notice was made before my next payment was due. I explained to them the situation and asked if they could help as I did not want to return the vehicle or have a repossession. Ultimately, they did not offer any solutions leaving me to be forced to purchase another vehicle so that I could continue to work and provide for my family. Afterwards they still continued to call and try to collect the payments, even though I asked them to pick up the vehicle unless they had a way to assist me. Finally, almost 8 weeks later, they picked it up from the service facility. Since then, I have only received a confirmation ( 1st week of XXXX ) that they had possession of the vehicle, but I have had no correspondence or phone calls from them since then. They have since reported derogatory information on my credit bureaus without notifying me of any options to resolve the account. I feel as though the dealer and the finance institution left me in a disparaging situation, by not providing me any options or solutions to my concerns. I clearly stated to the staff at Ally and the manager of the dealership that I did not want to give up the car or, default on the loan, but neither offered any reasonable assistance. I really need assistance in resolving this matter.
|
| 11/03/2021 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Older American |
|
Ally Bank didn't follow clear instructions on two forms to wire funds and claims to have sent funds via check. The check is still not received after 12 days. Many other mistakes were made and I still don't have access to my funds.
I had a {$100000.00} CD in a Roth IRA about to mature on XX/XX/XXXX. I wished to have the funds wired to my brokerage upon maturity. Because I don't know the procedure, I called Ally and was told to arrange the rollover through my broker which I did on XXXX. The broker 's form didn't have wire instructions, so I called Ally and they instructed me to fill out and submit a DOMESTIC WIRE TRANSFER REQUEST and instructed me to submit it independently which I did XXXX. I proactively called to confirm that everything was in order and was assured it was. On XX/XX/XXXX, my funds did not arrive as expected. On XX/XX/XXXX I called to inquire and was told by XXXX that the funds had been sent by check ( even though there was no address provided by me ) and that the check would be received that day. It was not. I called back XX/XX/XXXX and talked to XXXX and insisted that a new wire be sent immediately and was told the procedure requiring an affidavit and indemnification and a 4-day wait period. She said she escalated my case and I'd hear back in 1-3 days. I did not hear back so I followed up and the escalation was set incorrectly, so it had to be restarted. When I finally heard back ( XXXX ) XXXX said Ally was working on getting the check back which I never requested and it would delay things further. He acknowledged Ally 's errors but said there would be no compensation. Even the lost interest, which is minimal, would require a lot of work on my part.
I see that Ally has many complaints here exactly the same or similar to mine, averaging over one a month this year, and that's just what's reported. They clearly don't take this issue seriously or perhaps they are doing this intentionally to delay disbursing funds.
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| 08/21/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Our home was hit by the 1-9 Debris flow, qualified/FEMA, mudslide disaster in XXXX XXXX XX/XX/18. Insurance payments to allow me to rebuild are legally held by Ally Bank and XXXX, the loan servicer. In order to pay invoices for work on my home, I have to request money from XXXX, submit to their arduous documentation standards and call them almost every day for 30 minutes to 1 hour. With over {$200000.00} remaining in my escrow account, the bank has decided it will refuse to release any more funds. I have {$200000.00} in invoices due that I have submitted to them, but they refuse to pay. Prior invoices were paid so late by XXXX that they were 2-3 weeks delinquent. I have gone through each manager, used their disupute process and complied with every demand. The money, originally hundreds of thousands of dollars, they are holding in escrow is actually money that I obtained from the insurance company to rebuild my home. Invoices are going unpaid, the contractor may stop work on my home and send me to collections while XXXX and Ally bank sit on over {$200000.00} of my insurance proceeds. Please help me to get them to release the money that I need to pay my bills.
Additionally, California State law ( XXXX. ) requires them to reimburse me at least 2 % interest on all funds they hold in escrow. They have refused to pay me this interest or acknowledge that it is due. Others with loans serviced by XXXX also hit by the mudslide have had the same response from XXXX.
This issue has been handled through there telephone service center without results. It has been formally rejected by " corporate '' repeatedly. It has been forwarded to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX, South Carolina XXXX XXXX XXXX, AMB, AMP, Senior Director of Mortgage Servicing Operations Ally Bank XXXX XXXX XXXX. Fl. XXXX XXXX, Michigan XXXX XXXX XXXX XXXX XXXX Executive Vice President/ Borrower Operations/ Executive Committee XXXX XXXX XXXX XXXX , NJ XXXX
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| 07/15/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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My problem is with XXXX XXXX, I finance a car with Ally in XXXX ( XXXX ) I was in a car crash in XX/XX/XXXX, my car was total lost. I did purchase a umbrella insurance with my financial manager from XXXX XXXX, XXXX Pay his part, the umbrella insurance pay his part and XXXX XXXX have to return back to Ally finance {$860.00} to finish to pay the car. I be trying to get this pay sence XX/XX/XXXX. They keep telling me the check was send when I call Ally they telling me is not true, in XX/XX/XXXX Ally made a 3 way call with them and we are told check will be made the week, so ally told me if they dont receive anything in 10 days they will let me know. So I have to go back a couple times to the dealer, every time they send me to different people and they promise me to have the problem fix and after that this person never call me back or return my calls. 3 weeks ago mr.XXXX XXXX told me they send the check, and like always is not true. I request a copy of the check send and like before they are not taking my calls anymore. They told me I was responsible any way for my car payment, I understand that, I was never late in one car payment, but I was inform by the insurance not to pay because the dealer can not cut the check in my name they only can send the check to Ally finance. And Ally was suppose to send the rest to me, sence at the time was only {$410.00} left to pay to Ally. Because of this problem My credit report was destroyed and my father as my co sign. The only think I request is for XXXX XXXX to be more responsible and pay what the own. I do have all the paper work as proof if I need to send anywhere. And all the names of people giving me the running around at the dealer. Sence I have to work full time, I cant go to the dealer everyday. And when I do have time I get very mistreated, Mr .XXXX even told me he dont like people like me, I told him was very rude of him talk to me that way because he doesnt know me. Please help me.
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| 10/19/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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So to set the scene : For about 2 years I have been working with XXXX and their credit card and recently were bought out or transitioned over to Ally. Well XXXX and XXXX my payments did not withdraw as I expected them too which was in part my fault as I did not transfer quite enough over to that account for the payment to process, However I have NEVER been more than a few days late on rare occasions. So I check my account to see the new app and find my XXXX payment failed. I also find out my Interest had been raised to 30 % without any reason or warning. I asked about lowering my rate after being a good customer for 2 years and was told no. In fact they encouraged and heavily implied the only way they looked at lowered interest was by not making payments. So opting not to ruin my credit for a few percent of interest I tried to make my payment online and found I could not and that my Routing and Account number had been 'Blocked '. So I call back in and find out due to my payments not going through that I was no longer able to make my payment using their app, online, or phone services but was then told if I was 35 days late I could pay with a debit card. Wow! What a deal that will no way affect my credit worthiness. So instead of them having any customer service whatsoever they double down and told me there is no way I can pay with my only method of payment and no one I could talk to. I feel like this needs to be rectified as this is affecting my credit over time and they are not even attempting to assist me or accommodate me and then saying there is policy and verbiage which I never signed with them or agreed to, nor have I previously or ever been warned about. I would totally understand if this outcome had I been warned of it but this is out of nowhere WEEKS after moving to a new company which has had nothing but an awful experience. Had I known and been able to pay this off in one go I would have to avoid this awful company.
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| 06/06/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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I HAD AN AUTO LOAN WITH ALLY AUTO ON MY XXXX XXXX XXXX XXXX, WHICH I REFINANCED THROUGH XXXX XXXX XXXX IN XX/XX/XXXX. XXXX PAID OFF MY LOAN ON OR BEFORE XX/XX/XXXX IN FULL, WHICH ALLY CONFIRMED XXXX OFF BEING PAID OFF BY XX/XX/XXXX. ALLY AUTO STILL TOOK THE XXXX WITHDRAWAL FROM MY ACCOUNT OF {$850.00} ON XX/XX/XXXX. I CALLED ALLY ON OR ABOUT XX/XX/XXXX TO NOTIFY THEM OF THE OVERDRAFT ON THEIR PART AND THEY INFORMED ME THAT IT COULD TAKE UP TO 30 DAYS TO REFUND MY {$850.00}. IT IS NOW XX/XX/XXXX AND I DO NOT HAVE MY REFUND. I CALLED TODAY AND ALLY INFORMAED ME IT COULD TAKE UP TO 55 DAYS FOR THEM JUST TO RESEARCH AND APPROVE MY REFUND?????? AND THEN ADDITIONAL TIME TO REFUND THE MONEY. THEY ARE REFUSING TO PAY SIMPLE INTEREST ON THE LOSS OF USE OF MY OWN MONEY WHILE THEY DILLY DALLY REFUNDING MY OWN MONEY WHICH THEY WITHDREW IN ERROR. THEY LIED TO ME DURING MY FIRST XXXX ATTEMPTS AT CONTACT TELLING ME IT WOULD BE 30 DAYS, ONCE THE 30 DAY WINDOW WAS GONE, NOW IT XXXX PLUS DAYS. ALLY HAS RESTRICTED MY ONLINE ACCESS TO MY ACCOUNT AND I CAN NO LONGER OBTAIN MY STATEMENTS OR MY EMAILS TO THEM ABOUT THIS MATTER IN A DUBVIOUS ATTEMPT TO COVER THEIR TRACKS AT CONDUCTING BUSINESS IN BAD FAITH AND DEFRAUDING ME. I HAVE CONFIRMATION EMAILS ONLY SHOWING MY ATTEMPTS OF CONTACT, BUT THEY HAVE WIPED THE MESSAGES FROM MY ACCOUNT. ALLY 'S BUSINESS PRACTICES ARE SUBSTANDARD AND IN BAD FAITH AND ARE CAUSING ME FINANCIAL HARM DURING A TIME WHERE I AM OUT OF WORK DUE TO A MEDICAL CONDITION, FACING RECORD INFLATION, AND STILL HAVE TO MAKE A {$800.00} CAR PAYMENT NEXT WEEK TO ANOTHER CREDIT UNION, BUT MY MONEY IS BEING HELD CAPTIVE BY ALLY BANK. IF I DID NOT PAY MY LOAN ON TIME, ALLY WOULD CHARGE ME A LATE FEE, SO WHY AM I NOT ENTITLED TO INTEREST IN RETURN. I DEMAND THEY PAY 12 % MONTHLY INTEREST ON MY LOSS OF USE OF MONEY, WHICH IS THE STANDARD ITEREST RATE IN ANY LITIGATED MATTER, WHICH THIS WILL SOON BE IF ALLY DOES NOT GET THEIR ACT TOGETHER.
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| 01/24/2019 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Funds not received from closed account
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Web |
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Ally Bank freezes my account on XX/XX/XXXX and they ask me to email them my identity document to their email address at XXXX. Then I emailed them my XXXX passport, my US driver license, and my utility bill. Three days later, they told me they could not verify my identity and they had to close my account. That decision is fine for me so I ask them to return the funds in my account which is more than {$24000.00}. But they told me they need some time to investigate my account. After they confirm all funds are legal, they would close my account and return the funds by check.
Now, it is XX/XX/XXXX more than one month later. I still did not receive any check. I called them this afternoon, and the customer service said since they still could not verify my identity, so they would not return the funds!!! They would keep them because they thought I was not who I am!!! That is just totally ridiculous! I just need them to mail a check to the address on file. I do not know why they refused. I opened the account with that address, received the check book and debit card with that same address. They never doubt that address is not belonged to me. Now when I ask them to return a check to the same address, they think I am illegal. They doubt I am not myself. The address is on my credit file and the file related to my driver license. All the documents I provided are totally legal and real!
When I open the account, they never doubt my identity. When they mailed me the materials including the checkbook and debit card, they never doubt my identity. After there were money in the account, they began to doubt my identity. At first, I trust them completely and provide all documents they required. I did everything I could, but right now, it seems they were cheating. I doubt this bank was using customer 's money to do their business. They extend the period for any refunds so that they could use our money longer. That is totally unacceptable!
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| 08/25/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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|
Web |
Servicemember |
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On several occasion I have disputed the validity of the alleged debt of {$9400.00} that Ally claims that I owe. On XX/XX/XXXX I terminated the lease early. At the time of the termination the balance was {$13000.00} in remaining base monthly payments. The unearned rent charge of {$4500.00} ( which was calculated incorrectly ) and {$2.00} from other funds received was also deducted from the balance leaving a balance due of {$9400.00}. On XXXX XXXX XXXX I received a notice from Ally saying they sold the vehicle and this was the remaining balance due. I have spoken to several employees including XXXX who is in the executive customer relations department, who stated that when Ally sells the vehicle the proceeds are applied to the balance at the time of the termination and then all other fees are deducted. I have asked on several occasions where the proceeds of {$20000.00} were applied to? I still have not gotten an answer. This leaves me to concluded that the proceeds were not applied to my balance. Ally also denied me the right to have an independent appraiser to appraise the vehicle within a reasonable amount of time after termination. Before I had an opportunity to located an appraiser, Ally sold the vehicle within a week after I turned the vehicle in. Ally refuses to give me any information in regards to the sale of the vehicle besides what the vehicle sold for. This account is also reporting inaccurately on my credit report and Ally refuses to delete the account. I have also requested a 1099-C for tax purposes since Ally claims that the account was charged off on XX/XX/XXXX. This inaccurate information has been furnished to 3 third party debt collectors to solicit payments from me on a debt that can not be substantiated. I am trying to resolve this matter without pursuing legal redress but Ally has been non compliant in trying to remedy their acts of fraud, tax evasion, and numerous violations of my consumer rights.
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| 03/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I recently received a copy of my XXXX credit report and your company is in violation of the law! Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES YOU NEED WRITTEN INSTRUCTIONS FROM THE CONSUMER to whom it relates. Did I give you written instructions to furnish this on my credit report? That is unauthorized use!
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) states EXCLUSIONS! A consumer report should EXCLUDE information solely as to transactions or experiences between the consumer and the person making the report.
Your reporting on payment transactions and reporting as LATE IS IN MAJOR VIOLATION OF THE LAW. I demand you STOP REPORTING on my Consumer report and DELETE the late payments from this ACCOUNT in violation of 15 USC 1681.
There is no such thing as a late payments because the account was paid in full the moment my credit card was accepted.
12 CFR 1002 2 ( a ) ( a ) Account means an extension of credit. When employed in relation to an account, the word use refers only to open end.
15 USC 1666b, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637.
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Ally has caused severe stress and anxiety due to the abusive and unfair practices.
Failure on your behalf to DELETE LATE PAYMENTS reporting on my consumer report will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
|
| 07/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XX/XX/XXXX Ally Auto XXXX XXXX XXXX XXXX, MN XXXX Acct # XXXX To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or XXXX ) credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! : XXXX XXXX is in violation of the FCRA and XXXX Compliance and reporting violation.
15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On XX/XX/XXXX thru XX/XX/XXXX you reported transactions from account # to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports!
The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of XXXX compliance!
Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency.
I need the transactions reported on XX/XX/XXXX thru XX/XX/XXXX Deleted from my consumer reports effective immediately.
Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so dont respond telling me that to waste my time.
Further more 15 USC 1666b ( a ) ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
I need the above transactions deleted from my consumer reports!
Best regards, XXXX XXXX Enclosed : copy of ID and Utility Bill showing proof of address
|
| 05/15/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
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I woke up at XXXX XXXX on XX/XX/XXXX, and received an email from XXXX thanking me for an order. I did not submit that order, it was fraud. I immediately XXXX that day to try and cancel the order. The customer service person told me they would cancel the order. I called my bank ( Ally Financial ) immediately after this to dispute the payment. They told me they could not dispute the payment until the transaction was completed and to call XXXX. I called XXXX again the following day and they assured me the order was canceled. I was able to finally dispute the transaction on XX/XX/XXXX with Ally. I received a temporary credit. I logged into my account last week, XX/XX/XXXX to see that XXXX was taken out of my account, twice. I was informed that Ally closed the dispute, and XXXX sent over " sufficient '' information saying the transaction was correct. It was not. I was not awake at XXXX XXXX. I did not receive 10 Arts & Crafts books nor the boxes of cereal that were fraudulently ordered. There is no shipping information, and XXXX is claiming they mailed me the items in questions within 24-48 hours ... which is impossible as I live in a remote, rural area. In addition, the books in question are not fulfilled by XXXX but " XXXX XXXX '' ... typically when things are not being fulfilled by the primary company, it takes time to even ship out, let alone less than 2 days. I have attached my call records, both to XXXX and Ally. I have also attached the emails that I first received when I learned that my XXXX account was hacked in. The emails arrived to me at XXXX XXXX. I work at a school and consistently wake up at XXXX XXXXXXXX XXXX XXXX as I need to be at work at XXXX.
I also noticed that my savings account is short XXXX with no explaination. My current balance is XXXX and there are no transactions showing why this amount is missing. I have had nothing but issues trying to contact Ally to try and dispute these transactions.
|
| 05/16/2018 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
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|
Web |
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Dear Madam, Dear Sir On Thursday XX/XX/XXXX an international wire transfer was initiated from XXXX with the intent to transfer money into a Ally Bank account. The money was wired to the following account : Receiving Bank : XXXX XXXX XXXX Bank, XXXX.
ABA/Routing Number : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX SWIFT Code or Bank Identification Code : XXXX Beneficiary Account Number : XXXX as in accordance to Ally guidelines for receiving wires from a non XXXX XXXX However, the sender of the money made an incorrect entry into the " further credit '' field which is required to correctly forward the money into the intended Ally account Correct information : XXXX XXXX XXXX XXXX Information as incorrectly entered by the sender : XXXX XXXX XXXX XXXX Further information : wired amount : XXXX ( euros ) unique transaction ID as per the sender 's bank : XXXX sender 's full name : XXXX XXXX sender 's account number : XXXX sender 's bank : XXXX XXXX XXXX XXXX All attempts of the sender 's bank to stop the transfer proved unsuccessfull. The money left the sender 's bank account. Despite obviously incorrect recepient information Ally Bank does not cooperate in the process or returning those funds. I have already submitted a complaint on XX/XX/2018. Ally Bank 's response was that the money was received on XX/XX/XXXX, rejected and returned on XX/XX/XXXX. However, until today, XX/XX/XXXX, I have not received the money back. I will attach a screenshot of my account statement as of today XX/XX/XXXX. I will attach the original transaction and Ally Bank 's response to my first complaint.
Essentially it looks like I am being lied to as any money sent or " returned '' from US on XX/XX/XXXX should have been posted in my account long ago. This was confirmed by my XXXX bank. They have never received any funds back. They've been trying to get in touch with both XXXX and Ally Bank about this issue and did not receive a reply.
|
| 12/22/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
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Web |
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A wire transfer was initiated by me via my secure online portal for transfer on XX/XX/XXXX to a title company to purchase a real estate property. There was a XX/XX/XXXX deadline at XXXX for receipt of funds. I intiated the wire transer on XX/XX/XXXX to allow Ally bank ample time to confirm the wire details. The amount was {$750000.00} requested from my savings account.
Their policy and procedures state that they will call the customer to verify the wire. They did not do this. I called on XX/XX/XXXX. They stated this was under a " fraud alert '' becuase the amount was over {$500000.00}. They do not have any stated restrictions agains the transfer of this amount anywhere on their website. They informed me they were locking my accounts. They summarily locked all withdraws from my checking, savings, brokerage and Short term CD accounts.
I called on XX/XX/XXXX and spent XXXX hours on the phone seeking a " fraud investigator ''. I was asked XXXX verifciation questions from the public records and correctly answered them. I requested a supervisor. One was not made available. I requested a " fraud investigator ''. One was made available who informed me she would get someone to work on it " next week ''. In the interim, my liquidity and home purchase hung in the balance. They did not send the XX/XX/XXXX wire, but instead kept these funds locked behind their " fraud investigatiion '' team that were not made available to discuss.
No one from ALLY bank has called me back at any time. On XX/XX/XXXX at the end of business, I received an email that my account had been unlocked. In the interim, I had to borrow from relatives to cover the close. Meanwhile, my funds that I had saved to make this purchase for over 4 years were locked away by ALLY bank without any due process. Furthermore, Ally bank was unresponsive, unprofessional and certainly unable to correct this grevious injustice that was clearly without merit all along.
|
| 10/30/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
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Web |
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Prior to six months ago, I was able to Unlock and Lock my Debit Card every month end so that I can Transfer funds from my Ally Bank chequing account I named Payables, to my XXXX XXXX account, so that I can pay my XXXX XXXX
I have never had any interest, penalty or fees for late payments on any of my accounts and the inability to Unlock my Ally Bank Debit Card to make the transfer to pay my XXXX XXXX XXXX XXXX XXXX ), is going to make that happen for the first time and Ally Bank should reimburse me accordingly.
For six months now, I have been unable to Unlock/Lock my Ally Bank Debit Card using either their Web interface or their XXXX application interface.
I have spent endless, countless now wasted hours, on the phone, in text and email, with Ally Bank over the past six months reporting this to them and every time they say it will be fixed in 2 days and it never has been for 6 months now.
I found a workaround to Unlock/Lock my Debit Card, using their AI Text Bot, but when I kindly called to inform them of this workaround, that they admitted many customers were having the same issue, the next month end I tried using their AI Text Bot to Unlock my decor card, it was no longer working.
It is like they are purposely blocking me from using my Debit Card.
Now I can not Unlock my Debit Card and they say they can not Unlock it either, so I literally have no access to my money and can not pay my bills.
If XXXX XXXX puts interest/penalty/fees on my XXXX XXXX account, Ally Bank should not only reimburse me for that, they should have to pay me a penalty fee of {$100.00} for 6 months of wasted time, lack of minimal service and holding my money hostage. That {$100.00} minimum penalty should regardless of fixing the problem at this time, given I have wasted 6 months of my time trying to get them to fix this. In fact {$100.00} is nothing, it should be {$100.00} per hostage month for a penalty paid to me of {$600.00}.
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| 09/14/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Unauthorized transactions or other transaction problem
|
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Web |
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Scam - On XX/XX/2021, around XXXX, I received text messages from Ally Bank that said as follows : TEXT - " ALLY BANK FRAUDULENT TEXT MSG ALERT : Did you attempt a transaction of {$350.00} @ XXXX XXXX # XXXX case id # XXXX. Reply YES/NO/ Don't want fraud text message alerts? Reply STOP. '' TEXT - " ALLY BANK FRAUDULENT TEXT MSG ALERT : Did you attempt a XXXX transaction of {$5000.00} Reply YES/NO/ Don't want fraud text message alerts? Reply STOP. '' These texts did not seem unusual to me as in the week prior I had been receiving legitimate messages from Ally reporting incidents of others trying to use my funds to make purchases, and so on XX/XX/XXXX I had had my debit card shut off and a new one was being sent in the mail. I assumed these messages were related. The next text told me a Fraud Department representative would be in contact.
I was then called by someone claiming to work for the Ally Bank Fraud Department. This person told me that someone had attempted to withdraw {$5000.00} from my account using XXXX and that, in order to get it back, I would need to retransfer the funds from XXXX back into my own name. This person seemed legitimate as they had access to all of my bank account information, though I'm not sure where they got it from. Following their instructions, I used a secondary email address and I submitted two XXXX transfers for {$2000.00} each into my own name, and I was asked to confirm the confirmation codes sent to my phone, however these transfers did not go to me, but ended up going to someone with a XXXX XXXX account by the name of XXXX XXXX.
I have been messaging with representatives from Ally Bank since XXXX on XX/XX/2021. I am not able to call Ally and report the fraud until XXXX, which I will be doing. So far the customer representatives have done everything they can to help me, though I am filing this complaint as a way to insure everything is returned back to me in a timely manner.
|
| 08/29/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Money order
|
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Web |
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I want to file a complaint against Ally Online bank because they're not removing or giving me the opportunity to make monthly payments on a debt that was brought up by scam. About XX/XX/2019, I was trying to apply for a job on the XXXX website and I applied for XXXX XXXX. I didn't realize that it was a scam because it came from the XXXX website itself. A person named XXXX XXXX from XXXX contacted me and stated that prior to employment, I would have to do a couple things for them. They sent me 3 checks that they told me I had to cash. In addition, this person told me to buy a couple things for them such as an XXXX gift card to help with humanitarian aid. I bought it and then they asked me to send them the code and then to purchase an XXXX gift card but I thought that sounded a bit peculiar, so I didn't proceed. By this time, my bank Ally Online and their Fraud Department, took the money that was sent to me and put my account under a negative status of $ XXXX. Ally 's Fraud Department called me and said that I was scammed. I was later sent a letter stating that if I didn't pay it all in 30-days, I would be put on XXXX. I called Ally today, XX/XX/2019, and they said that I was the one responsible for paying all of it off. I asked Ally, since I'm the one who has to pay it, if I was able to make monthly payments, so they would not send me to XXXX. However, they said that I could make payments but they would still send me to XXXX. I feel this is an injustice and unprofessional because I am a victim of fraud/scam and are willing to take care of my balance but would like a monthly payment plan and to not be sent to XXXX. I would like some assistance with this matter. I am XXXX years of age looking for work to help my parents at home. My family is very ill, and I feel this is the reason I was taken advantage of. Please assist me in any way possible with the Bank. I do not want my record to be damaged by this incident.
|
| 06/13/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
|
|
Web |
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The financial institution ( Ally Bank ) is not properly recording transactions and is not allowing transactions to be disputed based on their inability to properly record or report transactions. On XX/XX/2022 a charge in the amount of {$200.00} was withdrawn from my account with the Bank listing XXXX XXXX as the business. This is a XXXX in XXXX XXXX Colorado, a state in which I do not live. I promptly disputes the transaction. Nearly 3 months later on XX/XX/2022 they closed the dispute saying it was an authorized charge to XXXX XXXX XXXX and once again removed the money from my account on XX/XX/2022. Obviously this was confusing as that is not the business I was disputing a charge to. I called Ally Bank and they repeated that it was an authorized charge and that they had sent a letter informing their customers of an issue with transactions not being reported properly. I asked the customer representative when they sent the letter as I did not recall receiving it. She asked me to wait while she searched to see when it was sent only to tell me that they in fact did not send a letter. I am at a loss for why they are not required to inform their customers that the information we ( the customers ) are seeing is apparently not accurate. This conversation with Ally happened today, XX/XX/2022 and I am still not sure who the transaction for {$200.00} was actually for. It seems to me that a financial institution should have an obligation to accurately track the transactions of their customers and if they are unable to they should have an obligation to notify customers of their inability to do so. Im still not sure who the charge was for, what charge I disputed or whether or not it was properly disputed. Unfortunately when I notified Ally that I was unhappy with their resolution the short of what they told me was too bad. That feels, at best, unethical and at worst I am not sure if they are actually stealing money from me.
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| 03/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
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Web |
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I had found a used car at XXXX XXXX, a large dealership based out of XXXX XXXX, WI, and had gone in to test drive it, applied for financing, submitted all requested documents to the dealership needed for financing the car and set up a date for them to deliver the car. They had delivered the car to my house, had me sign the purchase contract, financing paperwork, and the loan agreement. I had also signed the same documents electronically and received my copies of the documents that were also signed by the dealership. I gave them a check for {$4000.00}, which was the down payment I was making on the vehicle, which cleared from our account a few days later. They then reached out to me 7 days later to tell me that the financing was not completed with the bank yet and they needed more information. I had informed them that I had a recent change in my employment and I was going back to my previous employer after a few weeks, but I was in between jobs for the time being. They then told me that I no longer then could have the car and that they were going to be taking the car back because it belonged to the dealership, despite me having already signed all of the documents with the dealership. My first payment was not yet due for another 4 weeks according to my loan contract that the dealership and I had both signed. They had demanded that they needed drivers to come get the car or I needed to take it back, and I told them that I needed to look into things because I had already signed legal documents purchasing the car. They proceeded to call me 9 times within 20 minutes and sent me several text messages threatening to escalate things further and using tactics to try intimidating me into complying. I have since returned the car to the dealership due to their threats and harassment. I was also never made to sign an off site disclosure informing me of my rights in the state of Wisconsin associated with an off site sale.
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| 08/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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On XXXX I was denied a personal loan to buy groceries due to Ally bank being the primary reason of rendering over the XXXX XXXX XXXX that was a lemon and the dealership/manufacturer refused to honor the new car warranty and swap out the new vehicle with a non lemon one without ruining my credit rating by running a credit application for a new car swap each time I inquired on a fix prior to a complete vehicle breakdown after a new starter and battery was ordered in which the car ran for 1 full day after XX/XX/XXXX fix then broke down completely with starter and battery wires burnt being the reasons for a non manufacturer new car warranty repair within only 4 months of financing the supposably new car.
See prior CFPB.gov unresolved complaints and refer to attachments as a reference from complaints XXXX, XXXX, XXXX.
The dealer received {$2500.00} bonus which was used as a down payment though my credit required none at the time of approval XXXX. After rendering over the vehicle, my vehicleinsurance policy paid nearly or over {$2000.00} to Ally bank for additional gap coverage that was in addition to the bill of sales gap coverage inclusion. My car payment which was only XXXX wasn't due upon being rendered over for auction and wasn't past due. Ally bank shouldn't have anything but a positive rating on my credit. The bank received the car, gap coverage money from the insurance company and they sold the vehicle within 2 months time of rendering. My credit rating and outcome of a severely needed grocery/personal medical hygiene/cleaning product loan approval shouldn't have been declined due to their retaliation and/or misunderstanding of how to notate my closed account to rate my credit history properly with valid balance information which should be and is {$0.00} balance, paid on time. They picked up the vehicle in a timely manner no requirement for me to pay the 1st car payment should've been my responsibility.
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| 12/23/2019 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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On XX/XX/2019 a transaction was made through the XXXX application in the amount of {$200.00}. I first contacted the app vendor, XXXX, themselves, who got back to me in a timely fashion and responded that, upon investigation, they determined I was the victim of fraud due to that transaction. XXXX replied that they had taken action against all of the fraudulent parties accounts through their app, but they had no recourse to reimburse funds frauded through their application and recommended I follow up with my financial institution and local law enforcement.
Later that day I contacted Ally Bank about the account my XXXX was linked to and explained to them the circumstances surrounding the fraudulent charge. Ally opened an investigation and assured me I would hear a response in 7 - 10 business days. After receiving no information or follow up from them, I participated in their online chat to determine what the result of this investigation was. I again explained the situation to the chat representative, who agreed that it was a case of fraud and recommended I submit the documentation from XXXX via secure message for Ally to review and overturn. I submitted that documentation, waited the 7 - 10 business days and still received no response. Upon contacting the financial institution by phone, I ultimately received the answer that a federal regulation allowed them to not have to take action regarding this incident.
While I have never had a problem with Ally reversing fraudulent charges are communicating in a timely fashion prior to this, this entire experience has left a bad impression on my of both their customer service and commitment to customers. I used to work in the XXXX XXXX XXXX and am well aware of what financial institutions can and can not do. What they're willing ( or not willing ) to do is another story entirely and I will definitely be rethinking my status as a customer to Ally Bank in the future.
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| 05/20/2015 |
Yes |
- Consumer Loan
- Vehicle lease
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- Shopping for a loan or lease
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Web |
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I applied to take over a lease on a XXXX vehicle with Ally Bank. There is approximately 24 months left on the lease with the aggregate payments amounting to no more than {$34000.00}. I submitted a credit application which Ally Bank rejected citing " credit experiences are insufficient for dollar amount requested. '' Meanwhile, in its rejection letter, Ally acknowledges that my credit score was XXXX out of XXXX. As indicated in my credit application, my annual income is nearly {$XXXX} ; I 've been employed with the same employer for over 13 years and resided in my residence for nearly 10 years. The only outstanding debt that I have is a student loan in the sum of {$50000.00} with no late payments and a car lease for one of my assistants from XXXX with {$3000.00} left. I have no negatives on my credit, I carry no credit card debts and all components of my credit are designated as " Excellent '' by all three credit reporting agencies. In fact, my credit score and income exceeds that of the original lease holder for the car. The only possible reason for Ally 's refusal to approve this transaction is either a racial and/or national origin bias. I believe that Ally is discriminating against me due to my XXXX ( the original lease holder has a XXXX ). Given the vast discrepancy between its explanation and my credit history, there can be no legitimate reason aside from discrimination. In fact, Ally has a history of discrimination against minorities with relation to auto loans, having had to pay over {$90.00} XXXX in 2013 as a result thereof. I believe that I am not the only person of XXXX having experienced this matter and know of at least one other who has excellent credit, but was denied an auto lease for the same or similar reason by Ally Bank. Furthermore, I had authorized Ally Bank to check my credit score once. However, it did so on at least two occasions, thereby negatively affecting my overall credit rating.
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| 01/03/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Incorrect information on your report
- Account status incorrect
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Web |
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I submitted a complaint to CFPB on XX/XX/XXXX. Ally responded on XX/XX/XXXX. CFPB XXXX XXXX.
While I appreciate the response from Ally, they did not address that they ultimately used deceptive tactics to entice me into forfeiting my right to continue disputing the debt and saying that a partial payment would not adversely impact my credit.
I did not arbitrarily come up with the amount that was paid. The amount I paid was positioned to me as satisfying the debt being contested. This was in line with a prior letter from Ally in XX/XX/XXXX where Ally proactively solicited that I accept a lower amount that would satisfy this debt. As someone that has maintained a pristine payment history not just with GMAC/Ally but across all my debts, it does not make sense that I would purposely adversely impact my credit score by paying a lower amount.
Per my understanding of the Generally Accepted Accounting Principals ( GAAP ) from accounting of Accounts Receivable, it is at Ally 's discretion when my account should be considered a Charge Off. Despite the multiple times I told Ally I would be happy to pay for the damage, they still decided on their own volition to account for this as a Charge Off. I was clear in what was needed from Ally, I remained in constant contact with Ally throughout the whole time in question, and I held multiple calls with customer service representatives. All of these actions refute Ally 's position that I was not willing to pay. If the accounting mechanics mentioned are incorrect, I would ask that you please share the corresponding section within GAAP guidelines or provide a letter from your auditing firm that substantiates your position that a charge off was accounting driven.
While Ally did complete a cursory review of the history, there are still substantial details left out. I have expressed multiple times that I would like to work with Ally so that this not be labeled a Charge Off.
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| 10/21/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Older American |
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Attempted refinance with Ally Bank. Went through online forms and spoke with a rep who confirmed based on my answers i was prequalified all they needed to do was verify the information i provided. The confusion continued for several weeks. They were lax in responding to online requests and emails. I finally started phone calling and waiting on the phone to speak with someone. They seemed to be hung up on me being self employed. They have their own definition of self employed which they did not share until i had paid for services they required to continue. I explained according to the IRS i was not self employed. I provided bank statements, check stubs and tax returns to justify my income. They disallowed most of the income stating it was because i was self employed. The said my DE ratio was off but they never requested copies of my expenses.
When i specifically ask them to show me what i answered incorrectly on the application which would have led to the confusion, they did not provide any specific answer. Only that the underwriter disallowed most of my income for the calculation for one reason or another.
This information should have been relayed to me prior to me approving a {$550.00} charge for an appraisal ( which they required an inside appraisal instead of a drive-by. ) Had they been forthcoming with the requirements i would have not approved the {$550.00} charge.
I provided tax returns showing income which i walked through with the rep. added it and divided it to get a monthly amount. our calculation was off by almost $ XXXX per month from the underwriter.
I believe this was presented by people who didnt know what they were doing ( as evidenced by all the confusion with the application ) and should not have been charged the {$550.00} without properly informing me of the issues with what they considered self employment ( again which is different than what the irs considers self employment. )
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| 07/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Ally Financial XX/XX/2021 To Whom It May Concern, I am writing to inform you that I am deeply concerned about an unauthorized inquiry that you made on my consumer report. As a responsible consumer, I believe that it is essential for companies to respect the privacy and security of their customers ' personal information. However, it has come to my attention that you obtained my credit bureau report without my permission or a permissible purpose, which is in violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681b.
I have not initiated any transactions with your company, nor do I have an account with you for review or collection purposes. Therefore, there is no valid reason for you to access my credit report. Your actions amount to a violation of the FCRA, which is punishable by law, and I am prepared to take legal action if necessary.
According to the FCRA, any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined, imprisoned, or both. Your actions not only violate my privacy rights but also put me at risk of identity theft.
I demand that you remove the unauthorized inquiry from my credit report immediately. Moreover, I am willing to settle your civil liability damages for the violation of my privacy rights for {$1000.00} pursuant to FCRA 15 U.S.C. 1681n. If you fail to comply with my request and refuse to settle the matter by making payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receiving this notice, I will seek actual damages, which are greater than {$1000.00}.
Please send payment immediately via certified funds to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I hope we can resolve this matter amicably without the need for legal action.
Sincerely, XXXX XXXX XXXX
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| 09/08/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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About XX/XX/XXXX I called Ally Financial and asked for financial assistance as the Coronavirus was clearly going to impact the country and a part of my income. Ally Financial said that they would put the car in a 120 day forbearance. They told me that I could have also done this online quickly. The lady informed me ( before we hung up ) that it may take some time to process as the country is in a unusual emergency. I went online a filled out the form anyways. I got some phone calls over the next couple of weeks but dismissed them as the lady instructed me to do. During this time I kept doing independent work.
In XXXX I called them about the forbearance around XX/XX/XXXX when it was supposed to end. I was hoping to have a conversation about getting back to full payments. Instead Ally Financial put the car in default last month and there was not much I could do other than appeal I told the customer agent to appeal. He did tell me that it looked like two forbearances were filed ( one for less than 120 days ). He said it would be some time till they got back with me. This was understandable. He said it would probably go through since it looked like a simple miscommunication.
In the later part of XXXX I call Ally Financial back and they told me that the appeal was denied. They stated that the car must be paid in full or they would start the repossession process. I tried to get a supervisor of the phone by the name of XXXX XXXX. In the last week of XXXX I left 2 voicemails on his phone. I never got a return phone call with a message. Approx. XX/XX/XXXX I got a call from Investigator XXXX with a company called XXXX XXXX saying that they are starting the repossession process. I did return a phone call and state that I would be filling with the Minnesota 's Attorney Generals office. during my research I found out that the Federal Trade Commission and the XXXX XXXX XXXX would also be good places to file.
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| 03/16/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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URGENT- Ally Financial reported 30 day late pay to all credit bureaus and now we are being declined on our home purchase a week before closing. I have contacted Ally, the Credit Bureaus and sent credit disputes with documentation to get the FALSE reporting removed. This has caused us to lose our home and now car purchase and we are desperate to get help to resolve this quickly. Outlined below are the chain of events leading to the false reporting.
Payments due on the 30th of the month XX/XX/18 - Payment made- ( XXXX showing late pay for XXXX ) XXXX Vehicle was STOLEN XXXX Vehicle was declared total loss by insurance and notified Ally about the payment and Gap insurance At this time Ally sent to Total loss department and no longer was able to provide me information online or over the phone about payment status XXXX Contacted Ally to verify insurance payment was made they could not assist because it was already in total loss. I asked if a payment needed to be made so it does not negatively hit my credit because I am in the middle of home purchase. They no longer had payment due showing on their end, BUT I made a payment ANYWAY in the amount of XXXX to be certain this would not affect me. They reassured me the payment would be posted the same day and I would be getting the money mailed back for overpayment after the file was closed.
XXXX Car Payment cleared from bank ( XXXX showing late pay for XXXX XXXX Receive a credit notification my credit was negatively hit with a late pay and droped score by over 100 points I have called in tears for weeks and nobody can assit with this, I lost my home and now unable to get a car due to this reporting. I HAVE NEVER BEEN LATE AND SPENT 2 YEARS BUILDING MY CREDIT FOR THE HOME PURCHASE AND NOW MY LIFE IS RUINED, Ally reported to XXXX last payment was XX/XX/XXXX- 30 days late pay for XXXX Ally reported to XXXX last payment was XX/XX/XXXX- 30 day late pay for XXXX
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| 12/15/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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I had gotten behind on payments my daughter was XXXX injured at XXXX school dance and and requiring XXXX I had to take XXXX with no pay. She eas injued XX/XX/XXXX and her XXXX was XX/XX/XXXX. Ally financial contacted me I spospoke to XXXX at extension XXXX I told when I could pay and said that XX/XX/XXXX was to late since subject to repossession. He asked me how fast does my bank process the check advised next business day after speaking with him I agreed to set up a check on XX/XX/XXXX knowing the bank wo t process till the next Monday due to the holiday. I agreed to bounce a check hoping that it would n't get to my bank again till XX/XX/XXXX. I would not be able to go back to work till XXXX/XXXX/XXXX unless my daughter recovers faster than expected. He advised me to cb @ XX/XX/XXXX to set up the check for XX/XX/XXXX and gave me the direct number for him. Today on XXXX I received a call from ally. She stated my amount and advised that my auto can be repossessed if I do not setup the total amount due today. I advised who I spoke to and when advised I was told to call back on XXXX to set up PMT said that 's not an arrangement. She threatened me with repossession but could not give me the date it would be repossessed. She was rude and threatening. I got scared and hung up the phone. Since my daughter has XXXX and XXXX I actually considered loading this girl in the back seat and moving her to a safe location. She has to have her XXXX removed on XXXX/XXXX/XXXX and ca n't walk to the XXXX. I reconsidered and called back to ally and it was s fight to the finish to get just my account number in which I finally asked for a supervisor in which I was denied by XXXX but she finally have me the account number so I can lodge this complaint. I truly believe that since I have 5 payment left that they want the truck back and would threaten with repossession if you were 16 days late. It 's been a horrific experience.
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| 04/12/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
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|
Web |
Older American |
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On XX/XX/XXXX I transferred {$50000.00} to Ally Bank to take advantage of a account Bonus promotion. The promotion was deposit NEW money into your Ally account and receive a 1 % Bonus up to {$500.00}. My bank transferred the {$50000.00} on XX/XX/XXXX and Ally received it on XX/XX/XXXX. I know this because I called Ally on XX/XX/XXXX to verify they had received the money on XXXX since it was the last day of the promotion. The Ally employee told me they had the {$50000.00} and it was pending. I asked if the fact that it said pending meant they actually had the money and that it did qualify for the promotion and the 1 % Bonus. The Ally employee assured me that it qualified for the Bonus. The money had to remain untouched until XX/XX/XXXX when it qualified for the Bonus, which would then be deposited into my Ally account on XX/XX/XXXX. I noted this in my calendar and called on XX/XX/XXXX to verify the deposit of {$500.00}. I was told that I would not receive the Bonus because the money was not deposited until XX/XX/XXXX. Ally said they had an internal note placed in my account in XX/XX/XXXX advising I was not eligible for the Bonus, but that info was not sent to me. I spoke with a supervisor on XX/XX/XXXX and filed a case regarding this matter. I was told a few days I would get a response. I have called a total of XXXX times and have been told 3-7 days, 7 business days, 14 business days, give it another week and now have been told that there are SO many complaints regarding NOT receiving the Bonus that the department can't get to answering all the outstanding cases. Online there are groups of people writing about the problems they are having with Ally Bank regarding NOT RECEIVING their 1 % bonus. This situation is unacceptable and during these 2 months of waiting for a resolution to my case and the payment of my {$500.00} they are also holding my LARGE sum of money. PLEASE intervene and help. Thank You
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| 08/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information is missing that should be on the report
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Web |
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I am writing to lodge a formal dispute regarding an unauthorized tradeline that has appeared on my credit report, associated with Ally Financial. This situation has arisen due to fraudulent inducement, as I never consented to or engaged in any business dealings with Ally Financial. I believe that this unauthorized tradeline not only adversely affects my credit history but also infringes upon my rights under federal laws, including the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ).
The disputed tradeline is detailed as follows : Creditor : Ally Financial Account Number : XXXX Date of Last Activity : never Balance : XXXX I present the following grounds for my dispute : 1. Fraudulent Inducement : I have been victimized by fraudulent inducement, where it is alleged that Ally Financial engaged in deceptive practices to induce me into a financial relationship and establish an account without my knowledge, consent, or authorization. This action contravenes the principles set forth by the FCRA and CFPA, aimed at ensuring accuracy, fairness, and transparency in financial transactions.
2. Violation of FCRA Section
s 611 and 623 : Ally Financial 's inclusion of this unauthorized tradeline on my credit report has caused substantial harm to my financial standing and creditworthiness. This is a breach of FCRA Section 611, which mandates accurate reporting, and FCRA Section 623, designed to prevent the dissemination of unauthorized or inaccurate information to credit reporting agencies.
3. Request for Thorough Investigation : I respectfully request a comprehensive and diligent investigation into the circumstances surrounding the inclusion of this unauthorized tradeline attributed to Ally Financial. I have undertaken extensive efforts to scrutinize my financial records and have found no legitimate basis for any business relationship or agreement with Ally Financial.
|
| 04/02/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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Web |
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I have a vehicle loan with Ally Financial, for {$200.00} on the XX/XX/XXXX every month. I had auto billpay set up, and in XX/XX/2017, I received a bill pay check in the mail from Ally. I turned off my bill pay for the month from XXXX XXXX and deposited the bill pay check I received. The amount {$200.00} was taken out of my account twice by mistake since the automatic bill pay still went through and the bill pay check was deposited. I asked XXXX to reverse one of the payments since I was charged twice. I was then contacted by Ally, stating that when they tried to collect my payment it was denied by my bank. I informed them I was charged twice and only reversed one of the payments, my XXXX account matched this information. Ally responded by saying that they only received one attempt at payment, which was declined and they proceeded to charge me a {$10.00} late fee, in addition to an extra {$200.00} to be paid on top of my next payment. I spent countless hours contacting XXXX XXXX and Ally to figure out where the problem was, even going as far as to send multiple copies of my bank statements to Ally highlighting the error, and opening several investigations. Each time I was told an " investigation '' was underway, I was told to call back again in 10 business days. Each time I did this, the person who I reached at Ally had no knowledge of the investigation, and none of them were capable of pulling up my bank statements, despite me sending multiple copies. After weeks of correspondence, I learned that the bill pay check that I deposited was taken by XXXX, ( deducted from my account ), was never received by Ally. This made my extra payment reversal appear as though I reversed my only payment on their end. I was told that they have no records of the check ever reaching them, and they even ruled out the possibility of it being deposited to someone else 's account by back checking the check number.
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| 08/24/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
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Web |
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I initiated an online transfer on the Ally Bank mobile app. This transfer moved $ XXXX from my XXXX XXXX savings account to my Ally Bank savings account. Both accounts are titled in the name of our XXXX XXXX, and my wife and I are both Trustees and authorized signers on both as well. The funds were available funds at XXXX XXXX and correctly arrived at Ally Bank on XX/XX/2022. Per Ally Bank 's tracker, they should have been in my account by XX/XX/2022 at latest. However, it is now XX/XX/2022 and the funds are not even in my current balance. Furthermore, Ally has deleted any record of the funds in the transaction history. The funds are clearly shown leaving my XXXX XXXX account and have not returned. I can definitely get tracking information from XXXX XXXX if Ally tries to lie about this situation and say the funds never arrived.
When I have talked to customer service reps ( and Ally 's customer service is horrible; and it takes over 2 hours for someone to talk with a caller ), they have said that the funds were transferred to their Loss Prevention Department. However, there shouldn't have been any such issue because the funds were available and I am an authorized signer on both accounts. I even sent Ally a copy of the XXXX XXXX statement to show that funds were available and the titling of both accounts is the same. I have had at least 4 conversations with Ally reps and have waited on hold for over 6 combined hours. How crazy is that??
In 30+ years of working with various banks, I have never had such a ridiculous experience. I want my money ( which I'm sure you can understand )! Given the delays, I feel it's time to get the CFPB involved. I am a U.S. Citizen, have never been charged or convicted of a crime, have a high credit score, and have always properly conducted my banking business. There is absolutely no reason to be treating me in this manner. Thank you for your help and advocacy.
|
| 08/12/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Web |
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I have had a horrendous experience with Ally. On XX/XX/2022 around XXXX XXXX, I tried to log in to the mobile app. First I entered my account credentials then I reached a screen that indicated that I was logging in from a device that was " unfamiliar '' to Ally 's app ( which was not the case, I had logged in to this device several times before this date but receiving this 'error ' message was likely some sort of internal error ).
So I attempt to use their text relay system to receive a security code to enter to their app ( XXXX ). I don't receive any code so I 'optin ' to their text relay system ( phone number XXXX ) in the off chance that I had previously opted out for some reason. I get an answer from their text relay system that " my input was not understood '' when I'm very sure that I inserted all of the required information correctly. I leave this alone for a few hours and try again later. Now their text relay system is running again because I do receive a code when I request one because I still got the " unfamiliar device '' screen. But before I can insert the security code I am locked out of my account and now have to call customer service to get my account unlocked. I try, via the mobile app, to reset my password. I get to a screen where I am told to enter my username and social security number. I insert these two pieces of data but the app just sends me back to the login screen with no messages or anything to indicate my message was positively or negatively received.
When I call the customer service line at around XXXX XXXX ( because I'm out of options at this point ), I am greeted with a message that says my wait time is estimated to be " less than 35 minutes ''. All of this for an issue that could have been avoided at several points before now ( getting some sort of message that the text relay system wasn't working, the 'reset password ' link in the mobile app functioning )
|
| 03/09/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
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Web |
|
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Im submitting this complaint with ALLY because my credit score was negatively impacted due to ALLY reporting a late payments against me. My credit report shows a late payment was reported during the month of XX/XX/XXXX. I was a loyal customer to ALLY ever since received my auto loan in XX/XX/XXXX and I always made my payments on time. I had the ability to pay my bill to ALLY for the month reported as late and I scheduled my payment to be withdrawn from my bank account on-time for that bill. ALLY either did not properly send a request for payment from my bank, or did and something prevented the money transfer to ALLY. I was never properly informed by ALLY about any impending or existing missed payments on my account for the month reported as late. I also never received any indication from my bank account of a returned item due to not having proper funds in my account to pay my bill to ALLY. I only found my original payment was not posted when I logged into my online ALLY account. I immediately paid my bill with my debit card and confirmed with my bank the following day to ensure the payment had successfully been transferred to ALLY. I'm only bringing this issue to the attention of others now because I did not know ALLY was reporting any payment as late to credit reporting agencies until I reviewed my credit report earlier this year. I have been negatively impacted when trying to apply for other forms of credit for over 4 years due to the late payment on my record caused by ALLY. Since this late payment is not the result of my wrongdoing, and due to the circumstances listed above, I respectfully request for ALLY to remove the late payment during the month of XX/XX/XXXX. Please consider my track record of on-time payments as proof I take my financial obligations seriously. If you have any questions, or require further information from me, please feel free to contact me at your convenience.
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| 10/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
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Ally Financial will not STOP ruing my XXXX CREDIT REPORT they keep reporting INACCURATE FRAUDULENT UPDATES to XXXX and they wont STOP I mean STOP NOW something has to be DONE NOW they started back up ruing my CREDIT every since I opened this new DISPUTE for them to DELETE this fraudulent Ally Financial account when the dispute resulted completed on XX/XX/XXXX they FRAUDULENT VERIFIED and LIED to XXXX that this account was OPEN and it Was a LIE because it was CHARGED OFF and CLOSED on XX/XX/XXXX I have the PROOF see all the INFORMATION attached and then they came back and updated on XX/XX/XXXX with XXXX and reported the account CLOSED again and Ally Financial just verified to XXXX that it was not CLOSED to REOPEN it back up on XX/XX/XXXX. THIS has to STOP please help me CFPB ALLY FINANCIAL has to be STOPPED. I have reported this to the FTC because my IDENTITY has and was FRAUDULENTLY USED this called IDENTITY REPORTING FRAUD. this is a FCRA Violation also with reopening aged CHARGED OFF accounts and CLOSING it 5 days later with the dates of closing changing from XX/XX/XXXX to the NEW FRAUDULENT CLOSED DATE XX/XX/XXXX XXXXALLY FINANCIAL is DEFINITELY going to PAY for the INACCURATE FRAUD reopening and closing of this account data and deleting the closing date and reporting a FRAUDULENT closing date 5 days later to ruined my CREDIT and making it look like I have a RECENT CHARGE OFF after they CLOSED the account again from REOPENING the account 5 days prior. THEY have to be STOPPED NOW and XXXX is the CREDIT BUREAU that is LETTING them update and report the INACCURATE VERIFICATION of FRAUDULENT INFORMATION and they wont do anything NOR will they FIX my CREDIT REPORT and DELETE this account. I have sent in so many documents of proof and made so many COMPLAINTS and NOTHING is being DONE attached again will be included my IDENTITY THEFT complaint report in reference to ALLY Financial and XXXX
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| 09/18/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Credit denial
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Web |
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My application was denied but how is that possible if you guys said you were in compliance with truth in lending? Why is it that i have to put a downpayment when ALL charges are covered by the finance charge? And also when IN FACT a down payment is ILLEGAL! When I did this application I gave you guys my Social Security number ( my XXXX XXXX XXXX ) and my signature... I gave you guys authorization with my signature and ssi to go into my XXXX que trust and take the payment for this vehicle... so how can I be denied an extension of my own credit??? According to 15 USC 1605 - Determination of a finance charge states... ( see attachments below for full law quote ) When if fact this is the case, so why are you guys asking me to pay separately for anything when the finance charge covers EVERYTHING. You all may want to take this up with your power of attorney because i know you are PROBABLY naive to what i am talking about and i don't expect you to know when you don't study the law like i do... However i am willing to overlook these Violation AS LONG AS iam given the vehicle i applied for with NO out of pocket payments OR refund me IMMEDIATELY my payment of {$60000.00} from my Cestui Que trust & signature. Hi am giving you guys a chance to make this right. If my request are not accommodated i will Report these violations to the Cfpb, the FTC, the attorney general, and congress who IN FACT made these laws. Pick your choice. ( I am not just a young girl with a pretty face I know way more than you think I know ) in accordance with my complaint my i stated a down payment was illegal. A down payment is not illegal HOWEVER a downpayment in a transaction that uses consumer credit IS IN FACT ILLEGAL! so why was I charged a down payment in order to be approved to get my car. According to the laws ( see attachments below ) i should not have been charged a down payment in my consumer credit transaction.
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| 09/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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On XX/XX/XXXX, I contacted Ally to make my XX/XX/XXXX payment, I initially attempted to make the payment by phone but I ended up speaking with a customer representative, I gave authorization to make the XXXX payment with her, at the end of our convo she asked if I wanted the confirmation #, I was not where I could take it down so I said no. On or around XX/XX/XXXX I received a letter from Ally stating they were making a negative entry to my credit report. I called Ally and spoke with a Rep that said she didn't see any notes regarding a convo on XX/XX/XXXX, I told her that if the company pulled the recording of the conversation using my phone # they could hear that I authorized payment but the rep didn't post it, the payment authorized on XX/XX/XXXX didnt post, she said she'd investigate and get back to me, on around XX/XX/XXXX, I called back, got another rep who said he didn't see anything about an investigation but he'd set it up and at this time I made the payment that was due XX/XX/XXXX, I also inquired about Ally correcting my credit report since the rep didn't post the authorized payment and he said he'd ask supervisors if it can be corrected. Sometime in early XXXX, I received a call from Ally Corporate relations, I forgot the name of the representative and told my story again, he too said he'd check with management about correcting my credit report. I reached out to him few weeks later and he told me that nothing he could do the report was correct. I have disputed twice with the credit bureau and they sent a letter saying the 30 day late stands the account is being reported correctly. All I am asking Ally to do is review the conversation I had with the rep on XX/XX/XXXX, verify why she didn't post the payment, and correct the report because if the rep had applied payment on the XX/XX/XXXX the account would not be 30 days on XX/XX/XXXX and my report would not have been impacted.
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| 01/27/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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On XX/XX/XXXX my car was repossessed. I called Ally 's financial to see what steps I needed to stop the repossession. I was told the total amount I had to pay and how my payment needed to be sent. I was told that when I sent it that I had to provide a reference number for them to send the release out. I called and provided the reference number. I was told that it had already been sent to auction on XX/XX/XXXX. They gave me until XX/XX/XXXX to pay it, why would you send to auction before the customers day that you provided they had to pay buy. I still was trying be understanding of the situation. I called the Auction that it was sent to only to be told they never received my vehicle. When I called Ally financial for the third time I was on hold for over an hour after being told that it would only be a few minuets only to be told that it can take up to 48 hours for a vehicle to show. I understand that, but the vehicle was picked up from the repossession lot and taken to the auction on XX/XX/XXXX which is a total of 5 days prior. It should have already made it to that destination that is only 4 hours away from the location it was picked up from. All day on the phone and i got no where. There seems to be dishonesty somewhere, and the customer service representatives should have a better understanding of what is going on instead of putting the customer on hold for an hour hoping they will hang up so they don't have to resolve customers issues. I have done my part and paid what was owed and still don't know where my car is. The whole experience could have went a lot smoother had they actually waited until the date I was given to pay the amount, Instead I have missed two days of work to go on a wild goose chase for i vehicle I just paid on and still don't have. I can not be the only one who has complained on Ally financial and the way they direct business. This should really be looked into.
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| 06/02/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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I contacted Ally Financial on XXXX/XXXX/XXXX about the fact they were reporting ( 2 ) 30 day lates on my XXXX and XXXX Report dated XXXX and XXXX yet they were reporting XXXX 30 day late on my XXXX Report dated XXXX. I never had a 30 day late on the account from XXXX when opened until XXXX when traded and paid off. I was told by Ally that it would take them XXXX 5 days to get it corrected. I called them back on XXXX/XXXX/XXXX and they stated I was told incorrectly and that it would take at least 30 days to get a response. They changed the XXXX Bureau on XXXX/XXXX/XXXX to reflect XXXX late payment in XXXX but under status it still showed ( XXXX ) 30 day lates plus they updated the XXXX to XXXX so it brought my score down and they are still reporting it incorrectly. I contacted them again today and was told it would take another 30 days to look into it but that I did have ( XXXX ) 30 day lates in XXXX and XXXX I had all of my notes, dates when I called in and bank statements and the lady stated that the account was in a deferment in XXXX and that it was deferred in XXXX yet I made a payment on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX. They said they did not have a record of where they changed the due date on the account at any point and the contract due date was the XXXX yet they mailed me a confirmation that it was changed to the XXXX of each month. They stated they did not have access to my XXXX/XXXX/XXXX phone conversation. Basically they are reporting erroneous information on all XXXX bureaus and they want me to wait another 30 days for them to correct it despite telling them i was in the process of trying to save our home and refinance it and they keep getting the information more messed up. I want all the late 's removed from all XXXX credit bureau files immediately and for the bureaus to reflect paid as agreed and never late as it should. I should n't be penalized for there errors.
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| 02/25/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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I have a auto loan with Ally Bank. My auto payment ( contractually agreed upon at time of leasing in XX/XX/XXXX ) was increased by {$3.00} per month with no reason given by Ally some time in XX/XX/XXXX. I was never informed. Months later, once it accumulated to {$27.00}, I began receiving calls incessantly from Ally and did understand why. I finally spoke to a representative and they explained that my account was delinquent and past due {$27.00} which would be reported to the credit bureau and adversely impact my credit if I did not pay right away. I was furious as I pay {$280.00} automatically on time every month. I asked the Ally representative to simply take the payment over the phone and they told me I could not. I asked them to just take it out of my auto payment ... they told me they could not. I asked them to push balance month to month so that the additional charge would be paid in my lats auto payment. They said they could not do that. They told me to go online and log in and change my auto payment. I have tried SEVERAL times and can not do this online. I finally gave up and made a manual payment online on XX/XX/XXXX in the amount of {$27.00} in addition to my auto payment. Since I can not log on monthly to pay {$3.00} so that my account is not delinquent, I am collecting a late fee of {$4.00} every month in addition. I am certain I am not the only one they are running this scheme on ... What they are doing this is making it inconvenient for me to pay an arbitrary, nominal increase to my loan which results in a late fee. They are making {$7.00} off of me monthly and I have no control. They are counting on me to not log on every month to pay {$3.00}. I don't know how this practice is legal. I still do not know why my monthly was increased by this amount. I have written emails and I have left messages, I have threatened to sue and no response. Please help me stop this!
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| 11/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Ally Financial XXXX XXXX XXXX, XXXX XXXX Acct # : XXXX To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or XXXX ) credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! : Your company is in violation of the FCRA and XXXX Compliance and reporting violation.
15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On { XX/XX/XXXX, XX/XX/XXXX, XXXX and XXXX. The dates you claim Im late shows up in XXXX without a date } you reported transactions from account XXXX to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports!
The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of XXXX compliance!
Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency.
I need the transactions reported on XXXX and XXXX Deleted from my consumer reports effective immediately.
Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so dont respond telling me that to waste my time.
Further more 15 USC 1666b ( a ) ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
I need the above transactions deleted from my consumer reports!
Best regards, XXXX XXXX
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| 01/19/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I recently refinanced my vehicle loan with Ally Auto ( Account XXXX XXXX ) to another financial institution to lower my interest rate. As part of the refinance, I cancelled my service warranty with XXXX XXXX. A prorated refund of the service warranty in the amount of {$880.00} was remitted to Ally Auto on XX/XX/XXXX. Ally applied this to future installments. Then the loan was paid in full on XX/XX/XXXX.
On XX/XX/XXXX I contacted Ally Auto using their in app messaging feature, to receive an estimated time frame to receive my overpayment. Ally Auto wrote me back on XX/XX/XXXX, stating that it was taking them more than 40 days from the paid in full date to begin processing overpayment refunds, and then an additional 7 to 10 days to mail the check to the address on file. They did not apologize, nor did they offer an alternative way to receive a refund given their delay.
I still have GAP insurance with XXXX XXXXXXXX that I want to cancel. XXXX XXXX informed me that they would send any refunded amounts to Ally Auto, even though the loan is paid off and they are no longer the lienholder, and I apprised them of Ally 's delays in processing overpayments. This process will mean an additional delays of overpayment refund amounts. I know that any undisputed mortgage overpayments have to be remitted to the borrower within a two week time frame. I don't see how a vehicle is different.
I understand that the pandemic has put many organizations under stress, however financial services is not directly impacted by supply chain shortages or labor shortages like other industries. As soon as these bottlenecks began to occur, Ally Auto should have adjusted their staff or their processes to compensate. I'm growing tired of the pandemic being used as an excuse to justify terrible service and disorganized management. This has been our shared reality for nearly two years, it's time to adapt.
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| 04/04/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem related to refinancing
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Web |
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My name is XXXX XXXX and my issue is with Ally Auto finance. My father XXXX XXXX passed away in XX/XX/2021. His vehicle was finally repossessed on XX/XX/2021.
My half sister had a STRONG interest in keeping the truck and trying to catch up previous missing payments. I have been trying to talk her out but she insists.
I have been labeled on his account through Ally Finance themselves as the " informant " on the account. Also my name is the one listed on my father 's death certificate. I also repeatedly told Ally on their recorded line " please do not discuss any account information with anyone other than myself in order to perfect the privacy of the deceased " they obliged.
My sister is pretty persistent so she kept calling trying to get payoff balance. And on XX/XX/2021 she calls me on 3 way with Ally Auto finance. They proceeded to give her the sensitive account information and I couldn't stop it. They did not speak or get any verification info from me. And she was able to have the representative give her the account info with only the account number. They told her status of account as well as the charge off date. The only reason i didn't cut them off was ti avoid personal conflict with my sister and other family members.
The reason I am filing this complaint is Ally Financial did not respect my wishes of non disclosure to persons other than myself. They also violated the law by talking this account info without going through proper verification.
There was a reason I wanted this to stay discrete and now it's causing distress among my and family members. Serious potentially dangerous distress. I am looking for all possible options at this point.
Acct name is under XXXX XXXX XXXX XXXX and time of call was XX/XX/2021 around XXXXXXXX XXXX cst. Call took place on their recorded line.
My name is XXXX XXXX the son and only informant authorized to discuss account info.
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| 05/07/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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In XXXX of XXXX, I was involved in a very serious, traumatic car accident for which I am surprised I made it out alive. My insurance company at the time, XXXX XXXX XXXX, failed to deem my XXXX XXXX XXXX XXXX totaled because allegedly I had a payment retracted from them from XXXX. Not only was I not made aware of this, there are several other issues for which XXXX never tended to : 1. I sent SEVERAL faxed messages to verify that XXXX FULLY covered my vehicle due to it being financed for which they failed to respond to. I gave my lawyer from XXXX, XXXX XXXX XXXX the faxes to verify that these corresspondces did in fact occur.
2. I was told in XX/XX/XXXX that XXXX Auto Insurance DOES NOT offer full insurance in my area. By failing to explain this, or responding to my inquired mentioned above, XXXX prevented me from obtaining insurance from a different company that could cover the vehicle fully.
3. Being told that the vehicle was FINANCED through SEVERAL faxes, XXXX failed to contact Ally Financial to mention the vehicle was covered by them.
4. Through several EMAIL messages on Ally 's client portal AND phone calls, I inquired about insurance SEVERAL times with no response/answer that deemed my vehicle not to be covered correctly.
5. Even though my INSURANCE COMPANY should cover the expenses from this accident, ALLY 's contract states that FINANCED or LEASED vehicles w/o proper coverage will be subjected to automatically being covered by THEIR insurance policy for which the customer must pay for. This should be implemented IF XXXX 's lies and fictitious claims are allowed to occur.
6. Between Ally and XXXX 's illegal tactics, lies, and straight refusal to settle the claim has caused the GAP INSURANCE company not to be able to payout the difference owed.
7. I never received a Policy Declarations page until my lawyer demanded on in XXXX of XXXX, after the accident!
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| 08/20/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Credit denial
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Web |
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I received credit denial for an auto loan from this bank from a dealership ( XXXX XXXX, XXXX App # : XXXX ). Their reasonings for credit denial were based off of credit reporting for items that went delinquent due to unemployment delayed from a XXXX and several XXXX unemployment claims still unpaid and unresolved. And XXXX pandemic assistance received during the entire COVID-19 timeframe. Everything was delinquent and caused my credit issues because of delayed unemployment, delayed assistance, and I applied for thousands of jobs claiming to be hiring and they were not. I started doing XXXX XXXX XXXX of XXXX because I was homeless and sleeping at rest stops seeking help for shelter, etc. Or I was denied the jobs based off of EEOC violations. In which case, I have hundreds of complaints filed with all of these agencies that went unresponsive for a year or longer. And XXXX XXXX XXXX ( XXXX XXXX ) reporting is extremely inaccurate, and they have corrected nothing I have submitted over the last 6 years alone. And apparently are not running any updates at all for some time.
I am owed roughly {$42000.00} to {$96000.00} in unemployment money. I wound up homeless and lost my FHA HUD backed mortgage waiting on nothing to happen. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Him and all other political representatives in my district and directors on all levels of government agencies received hundreds of letters, emails, calls, etc., from me and NOBODY responded over a 4-year period. Which prompted a congressional ethics complaint. Prompting me to go about this in this manner to prove a point to the lack of action and response from people who are supposed to be a service to the public and I was a taxpayer. And now am again.
I'm not in my situation by choice. I didn't create this!
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| 07/07/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account status incorrect
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Web |
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Since XX/XX/XXXX unfortunately I have had many credit reporting issues with Ally Financial. I have consistently made on time payments with my account being on autopay. The company previously went 6 months without reporting to the credit bureaus when my payments were on time and it was not until I called an complained that they reported my updated balance to the credit bureaus. In XXXX I alerted the company of an accounting change I was undergoing while switching my primary banks. Due to the account being on autopay I alerted them of the change. I was incorrectly advised that my payment was made successful for the month and I didnt owe anything. Had I had been properly advised I would have made sure that an additional payment was made so that there wasnt any chance of a payment reflecting late. Before this instance I had never made a late payment in fact it has always been on autopay since XXXX so I could stay accountable and make on time payments. Since this instance I have updated my autopay and continued to may additional on time payments. This has since prevented me from obtaining a mortgage loan due to the company providing me incorrect information. This does not show my true credit worthiness and had Ally alerted me sooner or the issue I would have had time to rectify the situation before it was considered late. Besides this Ally had been a great company to work with and has been there for me for all my first as this was my first vehicle financed. I hope that Ally can resolve this matter in good faith so I can obtain my mortgage loan and they can continue to be there for my future firsts!
The photo attached is from XXXX after speaking with multiple reps who advised the payment was successful I updated the autopay on file and also saw that the account was reflecting current and already on to next months payment as if the XXXX payment was in fact made successfully.
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| 03/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX - I co-signed for a vehicle - I was notified that the vehicle was involved in an accident and totaled - Insurance would pay the loan this was in XXXX - then I received a letter from Ally that payment was not made - I called the insurance company they did process the payment, I called Ally back the girl I spoke with, XXXX, said it takes 3-4 weeks and to make sure I called back to check or Ally would notify me. I waited and the payment was received - I got another letter late XXXX regarding a balance due - I called Ally and the Primary Acct. holder made payment arrangements for the balance of {$1500.00} - I said ok. I got another letter from Ally stating that the balance was still outstanding this was in XXXX. I was told that contact was made and I would receive a letter once the loan was paid in full - In XXXX I got another letter and I called and I said look I'm paying this balance and I'll go after the Primary for any money I was out and I paid it in full XX/XX/XXXX in Amt. of {$1600.00}. I did it through XXXX XXXX XXXX ( PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX NY XXXX CARD XXXX - I was then astounded that it landed on my report - I disputed both on my report and Ally - Ltr received XX/XX/XXXX from Ally they will not remove it from my credit report. I called and said why, I paid even when Ally was still waiting and dealing with the primary account holder person. I paid the balance in full - I have worked to start healing my credit and I should have been told on the first call what they were going to report. I paid it in total. Ally Acct # XXXX Ally XXXX XXXX XXXX XXXX MN XXXX - ( T ) XXXX - It is still showing on my report in the amount of {$1500.00} and Ally said no it was accurate credit information furnished to credit reporting agencies - The Credit Agencies said Ally has to request it to be removed. Please any help is so greatly appreciated.
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| 09/29/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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On XX/XX/XXXX ( approximate ) I called Ally to request a change of date for my car payment. This was granted, they requested I pay an initial {$38.00} asap. ( letter dated XX/XX/XXXX ) Pmt posted before XX/XX/XXXX. Second letter instructed : Account Details Upon Finalizing the Extension-Including the scheduled payment originally due XX/XX/XXXX and all scheduled payments originally due on a monthly basis thereafter, all remaining scheduledpayments have been extended by '10 days. As a result, a scheduled payment of {$380.00} will be due XX/XX/XXXX and the remaining scheduled payments of {$380.00} each will be due on a monthly basis beginning XX/XX/XXXX. XXXX scheduled payments will be extended. The amount extended is equal to $ XXXXXXXXTo finalize vour extension. vou must pay the MINIMUM AMOUNT REQUIRED TO FINALIZE YOUR EXTENSION. As stated above this was completed. I have XXXX letters with these instructions, which I followed precisely.
XX/XX/XXXX paid {$38.00} per letter dated XX/XX/XXXX must pay min payment to finalize your extension. New due date XX/XX/XXXX with amount due {$340.00} ( paid {$38.00} on XXXX ) and {$340.00} on XXXX paid 9 days late ( from XXXX ) = {$380.00} FOR XX/XX/XXXX PAYMENT = CURRENT and UP TO DATE.
Per Ally Website payment historyXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtAll payment are accounted for according to Thier website.
I called several times to dispute error. They refused to correct. I disputed with Experian they refused to correct after XXXX disputes.
please help to correct this error it is effecting my credit and ability to refinance.
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| 09/14/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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Ollo credit card / Ally bought out from. I been customer for over 5 years I closed my account do to ridious interest rate that is XXXX percent been trying to lower for 2 years have not been able to offer anything with lowering the rate. I closed the account made agreement XXXX for automatic payments out of my checking account. Payment was made on XXXX XX/XX/XXXX. I received a letter notification on from my bank that insufficient funds of XXXX on XX/XX/XXXX and charge me XXXX funds were unavailable. Friday XX/XX/XXXX I went to my bank institute the following week and investigated that fraud took place. Ollo credit card went into my account directly electronically from their end produced a check took out funds without my permission from my bank. The check was not sent from XXXX federal bank that is my band. This is when I realized my own credit card ollo did fraud activity. I had to freeze my account and open another checking account. My own credit card company did fraud!!!! I contact them the same day on XX/XX/XXXX they actually said the i did automatic payment from my account for XXXX. I told them that is impossible that fraud took place. So now under investigation. I closed the account already made agreement to pay automatically out of my account XXXX monthly XXXX of every month. I want to report them. My trust is gone. Customer service is rude!!! I never received phone call or email since the XXXX. I keep getting mail owing money from ally credit card. that my account is passed do. When I already set up this agreement. I have still not received anything in the mail about my account about the fraud as of today is XX/XX/XXXX. They are a mafia bank they are not legit in anything that is said or done. I feel this fraud was done inside the company. I do not want to do business with them anymore. They need to be audit. They are not about the people. Please look into this
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| 05/28/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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I have a car loan with Ally financial since XX/XX/XXXX never late on any payments. My car was a total loss due to flooding that occurred on XXXX/XXXX/XXXX and auto insurance total the car the following week. I called Ally I explain the rep my car was total loss " what do I need to do '' she mention that I needed to contact my insurance. I specifically ask about the payments and she stated car was total so the insurance will contact them, My payment was due on XXXX/XXXX/XXXX. Ally Reported my account to the credit bureau as delinquent. I called Ally multiple times from the collections department to the total loss claims no one has been able to explain to me why if the car was a total loss and my insurance will cover and also have GAP insurance why the account was reported as delinquent. I did not received any calls from Ally or any third party collections agency in behalf of Ally or any documents via mail or email on regards of the account been late, I had set online access to make my monthly payments but after I reported to Ally the total loss the account was remove and I do n't have access to see the status of the account until my credit report send me an alert about XXXX account being delinquent, I have not been able to get an answer from no one at ally but " system generated a report every 30 days after the account is late, so the report is send every 30 days by a computer '' It do n't make sense to me and now I 'm delinquent 60 days I have called multiple times and a supervisor requested me to submit a payment to cover the 2 months and he will try to see if they can remove the delinquent report from my credit. This is not fair treatment to a customer, I was mislead with incorrect information, I trusted them with my situation and believed was been handle in a professional way. Is very overwhelming losing my car in a flood and now my credit has a delinquent report.
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| 07/13/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem related to refinancing
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Web |
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I purchased a vehicle and XXXX XXXX XXXX, financed it. I made all of my payments on time, and paid the vehicle off sooner than the projected pay off date.I received a letter in the mail from Ally stating that during the year that I was purchasing my vehicle, there was over payments made by purchasers. There was a settlement and consumers will be receiving a portion of the settlement. I received a check in the amount of {$310.00}. I lost the check while moving and recently found it. The check was written in XXXX. I contacted Ally Financial and explained this situation to them, and I was told that is will not be a problem replacing the check. i was told to send a copy of the check, along with the last four digits of my social. After 3 weeks passed and me not hearing from the company or receiving a new check, I reached out to them again. The second time I spoke with a different representative, she told me to give them a couple of days to make sure that the check hasn't been cashed. I gave her all of the information on the check. She also told me that if I haven't hears from them in two business days that, that mans everything is good and they will send the check out. This was a month ago. Tuesday, XXXX, XXXX, XXXX. I called Ally Financial again to find out what's going on with the check, that i haven't received. Of coarse, I spoke with a different representative this time. I explained everything to her, and gave her the reference number that was given to me, ( XXXX ) the last time I called. I was put on hold 3 times for 3 to 4 minutes each time, while she went to " speak with her supervisor '' about this matter. The representative came back to the phone the last time she put me on hold. She told me that she spoke with the supervisor, and that the supervisor said that the check number ( XXXX ) was not a check from their company, and there was nothing that she could do.
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| 05/12/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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On XX/XX/XXXX my car was totaled and Ally Financial received the full payoff for the loan on XX/XX/XXXX. I was informed by XXXX XXXX and Ally to contact XXXX ( seller ) XXXX for the refund on my Auto warranty which is {$2400.00}. XXXX sent me a check then informed me that Ally went into their account in XXXX and took the {$2400.00} even though they were paid in full. XXXX canceled the check and told me I'd have to contact Ally, I contacted them on several occasions stating on XX/XX/XXXX and asked why the money had be taken when the car was paid off in full? They informed me they would escalate the refund, I called them every other day trying to contact someone to get an update on the refund and NO ONE knew where it was they supposedly escalated it every time. I tried making a complaint today and they said the department wont take complaints on the phone. I emailed Ally demanding my refund that is well over due and they are sitting on that money. I need to replace the car that was totaled after three weeks because it was Tboned. I realize there's a pandemic however business needs to flow and I need my refund asap. No supervisors are taking calls and since they haven't sent the money back after two months I know they aren't in a hurry to give me my money back. Please help me get my money back and also make it easier for some one like me to get transparent answers as to why I haven't received my money and where they are at in the process to refund it. There is no system in place to get any solid answers other than it's going to be escalated. If there aren't already laws there should be laws requiring them to pay within 30 days the automobile was paid off. Instead they hold the money for 60 days or over and I need it to buy another car so I can start my process in going back to work. Our county has opened up and I'm losing money sitting here. I appreciate your help!
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| 10/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I went to XXXX XXXX XXXX in Oregon to finance a vehicle on XX/XX/XXXX and only gave them authorization to run my credit one time to see what I qualified for. But instead they ran my credit 10 times with multiple banks. This reflects on my XXXX, XXXX and XXXX reports and would like this corrected. This was not approved and now I can not get this removed from my credit file.
I also financed an XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX and this dealership did the exact same thing leaving me with 5 inquiries which i can't removed from my report. This is also reflected on my XXXX, XXXX and XXXX reports.
Also on XX/XX/XXXX I went into a dealership which was XXXX of XXXX and they turned around and did the exact same thing again. But they stopped after I yelled at them and told them Id report them for fraud. This dealership hit me with 4 inquiries. Below will be a list of all the hard inquiries for 3 separate dealerships on 4 different occasions.
the fourth time where my credit was shot guned without my approval was one XX/XX/XXXX once again by another dealership. This time it was sent out 8 times.
This is a total of 27 inquiries when i only own 2 vehicles.
XX/XX/XXXX ALLY FINANCIAL XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ALLY FINANCIAL XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ALLY FINANCIAL ( DUPLICATE ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( THIS IS THE DEALERSHIP I USED ) XX/XX/XXXX ALLY FINANCIAL XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ALLY FINANICIAL XX/XX/XXXX XXXX XXXX ( DUPLICATE XXXX XX/XX/XXXX ALLY FINANCIAL ( DUPLICATE ) XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
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| 12/01/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account information incorrect
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|
Web |
Older American |
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ALLY FINANCIAL XXXX XXXX XXXXXXXX I opened an Auto loan with Ally Financial in XX/XX/XXXX. I had previous loans with Ally so I was a repeat customer. In XX/XX/XXXX the start of the XXXX XXXX pandemic the State of Maryland forced us to shut down my businesses. Me being self employed was facing the reality that I would not have any income for my family. I called Ally to explain the situation and was told not to worry they are giving people the option of not paying during this time and these payments would be applied at the end of the loan. I was relieved until XX/XX/XXXX when I got a notice on my credit report that I was 90 days late on my payment. I immediately called Ally and I was told that they were giving the payment deferral but I had to submit a request in WRITING. That is the part I was not told about. Thus my credit report reported the 90 day late which destroyed my credit report. At that point I scrambled to get enough money together to pay all the back payments to be caught up to date. I have been requesting that my credit report be corrected to reflect that I was not late because the company although they told me I was eligible for a payment deferral I was not told the proper procedures to obtain that deferral. I understand that was a very difficult time for all of us but I feel that error on the part of the company should not jeopardize my ability to keep my good credit rating. Eventually the XXXX credit report corrected the error. Unfortunately XXXX credit report HAS NOT CORRECTED THEIR REPORT. In XX/XX/XXXX I paid off the car. Unfortunately for me the 90 day late report is still on my XXXX Credit Report. I am requesting that Ally Financial correct my credit report even though my account has been paid off that they report to XXXX that my loan was PAID AS AGREED and remove the 90 day late. Thank you in advance for your time and effort in my request.
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| 08/30/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I paid Ally Financial the month of XXXX in advance for my XXXX XXXX auto loan. I made the early payment of {$340.00} on XX/XX/XXXX.
On XX/XX/XXXX I asked Ally Financial to refund me the early payment since I was trading in the vehicle at the end of XXXX, before XXXX, and I wouldn't have the car in XXXX.
Ally Financial said they would process the refund and it would take 7-10 business days. They also gave me a reference number ( XXXX ) for the refund.
I traded in the XXXX XXXX vehicle to XXXX on XX/XX/XXXX.
XXXX then paid off the Ally Financial XXXX XXXX auto loan on XX/XX/XXXX.
I never received the {$340.00} from Ally Financial. Instead, I received a check for {$27.00} on XX/XX/XXXX from Ally Financial.
I reached out to Ally Financial on XX/XX/XXXXXXXX and asked where my refund of {$340.00} was. They told me that I should dispute the charge with my bank to get my refund since the payoff was already made. They also stated that the {$27.00} check was an extra payment from XXXX.
I then disputed the charge with my bank ( XXXX XXXX ) and provided the necessary documentation and received a reimbursement from XXXX XXXX of {$340.00} on XX/XX/XXXX.
Once I was reimbursed the {$340.00} from XXXX XXXX, I received a call from Ally Financial stating I still owed them this new amount of {$340.00}. They also told me I would be getting a {$770.00} check in the mail and they failed to explain why.
I then received numerous calls, emails, and texts from XXXX 's employee XXXX XXXX to pay Ally Financial the {$340.00}.
Once I received the {$770.00} check in the mail from Ally Financial, I deposited the check on XX/XX/XXXX and paid Ally the {$340.00} on XX/XX/XXXX.
Ally Financial then had the full {$770.00} check refunded back to them from my bank on XX/XX/XXXX.
So I still paid them the {$340.00} early payment and I still haven't received the refund for it.
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| 06/16/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
Servicemember |
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XX/XX/XXXX My wife and I purchased a relatively new, but used car, a XXXX XXXX XXXX, It was our first nice vehicle and we made this decision in anticipation of a cross country move. I had just enlisted in my first XXXX XXXX contract with the XXXX and we were moving from XXXX to my duty station in XXXX. We were excited and figured this vehicle would last and be reliable and safe for our XXXX year old daughter.
XXXX - XXXX The vehicle proceeded to have issues with the transmission multiple times and only one was covered by warranty. In the wake of a XXXX, multiple training events and preparing for a XXXX we started to struggle a bit financially, and we did have some late payments, but we corrected them with the lender.
In XXXX, XXXX XXXX, due to new mechanical issues and a growing family we wanted to trade the vehicle in for something more reliable, something we didn't expect to have to do, however negative equity on the vehicle did not allow for this, and instead had to finance a second vehicle ( different lender ) and it was a major financial strain to make two vehicle payments, especially when this XXXX was nearly inoperable due to the transmission. So we negotiated a voluntary repossession with the local XXXX dealer who understood the situation and would deal with Ally ( creditor/lender ) The account was charged off and the account froze at the 50 percent we still owed.
Ally has been somewhat fair, in not ever putting the account in collections, however there has been a fresh charge off every month since, and has significantly impacted my attempts at correcting my credit scores, since the struggle my family and I had experiences while I was in the military.
I have disputed them through all 3 bureaus, and they did delete some history, but Ally have still affected my growth and history each month, since most recent charge off is dated for XX/XX/XXXX.
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| 03/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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Ally Financial refuses to remove negative payment history from my credit reporting.
I purchased a XXXX XXXX XXXX for my husband in XXXX of XXXX, but we have since been divorced. The divorce filing was finalized on XX/XX/XXXX, which states, Husband shall retain the XXXX XXXX XXXX, titled in his name, free and clear of any claim of wife. XXXX shall be responsible for the loan on this vehicle to Ally, held XXXX name, holding wife harmless from collection there on.
I filed a dispute with XXXX in XX/XX/XXXX. On XX/XX/XXXX XXXX reported the my credit file had been updated, but the negative payment history was not removed from my report and my credit file was updated and it was suggested that I reach out to the lender to file a dispute with them.
I contacted Ally Financial on XX/XX/XXXX and was given a direct fax number to the department that handles their disputes. I faxed a copy of my divorce decree to support the dispute on XX/XX/XXXX. I also filed disputes with XXXX, XXXX and XXXX at that time and provided supporting copies of my divorce decree. All have resulted in some sort of update to my credit report, however, the negative history remains. Additionally, I received a loan extension agreement from Ally dated XX/XX/XXXX. I was never consulted about the extension agreement prior to being put into place.
This is very damaging to me as I was forced to purchase my home at a higher interest rate, and am currently trying to refinance, but am unable to until my credit score increases and the {$20000.00} debt no longer impacts my debt to income ratio. Per my divorce decree my ex husband, his lawyer and Ally Financial had 45 days from finalization of the decree to have this issue corrected. As a result, Ive paid an incredibly significant amount in interest on my home loan that was unnecessary and has put me and my children under significant financial hardship.
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| 10/04/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
Older American, Servicemember |
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In XXXX XXXX a few days before the XXXX I received a letter from Ally Bank. This letter stated that they were closing my account. The only reason given was the Deposit Agreement clause referenced. That clause stated that they could close your account at any time for any reason. With my son 's help we called them after a lengthy wait time and hold times they said it was being closed and referenced the letter. My son talked to a supervisor who tried to open a new account for me and was unable to.
That same day with my son 's help I got a new bank account open with another company and switched my Direct Deposit with Social Security to the new account for XXXX leaving my XXXX Social Security check in question On XX/XX/XXXX I logged into their app and saw my Savings account was closed but my Checking was not and had my XXXX Social Security check in it. I tried to do a XXXX transfer of the money and it required a verification call. With my son 's help we called them got through the verification and the transfer failed. The Customer Service representative took a look and said the Department that could help with thar would not be till Monday.
Monday XX/XX/XXXX my son and myself called and the XXXX transferred us to Loss Prevention. He said the restriction on the account could not be removed by him but can be by Customer Service si he transferred us to the general Customer Service queue. The wait time was almost an hour and since we had been on the phone for over XXXX hour and we had to leave we hung up.
On Tuesday XX/XX/XXXX me and my Son called back to try and get my money after 2 disconnect and almost 2 hours all they said is referenced back to the letter and said a check would be mailed but they couldn't say when the check would be mailed.
So as of today Tuesday XX/XX/XXXX they still have XXXX of my money and I have no idea if and when I will get my money.
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| 03/08/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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To whom it may concern, Please be advised that I have made several attempts in correcting the information that has been incorrectly updated and inaccurately reporting to XXXX, XXXX and XXXX XXXX. I have submitted all information from Ally in regard to the release of rights and ownership of the vehicle that is being reported as an open account and it is stating that I have been making on time payments for a vehicle and lease I no longer have or own. Ally themselves have sent a letter regarding the release of ownership from me and I have attached it to this information I am providing ( sent to me XX/XX/2022 ). XXXX XXXX, XXXX and XXXX reports as though I have had the vehicle with on time payments for over 3 years after having had returned the vehicle ( Documents are attached to support ). I have sent a letter to XXXX XXXX and XXXX XXXX that was received no later than XX/XX/XXXX by certified mail ( documents are attached with specific dates received individually for each as well as copies of the letter that was sent ). XXXX XXXX and XXXX have responded although I have yet to receive any information back from XXXX in regard to deleting my account with Ally from their reporting ( documents are attached to support ). XXXX, XXXX and XXXX XXXX have allowed Ally to report consistently and incorrectly my information and have done nothing regarding the fact that they still have this information still being reported inaccurately. This again was the second time for Ally to correct changes and only to report it inaccurately yet again. It is my right to have an accurate credit file and errors like this are detrimental to my well being. It is in direct violations of my rights according to 15 USC 1666 and I am looking to execute FCRA section 611 for the inaccuracy of the disputed information and looking to have all record with any reporting from Ally removed immediately.
|
| 10/08/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
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I purchased a 2017 XXXX from XXXX XXXX in XXXX, I had already been pre approved by an institution I've had a car loan with previously, the process went way into the late hours of XX/XX/XXXX into the early hours of the XXXX. There were 3 or more contracts drawn due to mistakes. There were a few things represented to me about the vehicle that just are not true, and I contacted the sales guy a day or two after about the transmission, but when I got a statement 3 days before due to a ALLY financial, the payment was 200 dollars higher, and on top of that they only allowed XXXX for my trade in which books for 5-6 thousand XXXX XXXX XXXX, I contacted them, made the 1st payment and demanded this be corrected, and that this is not the contract that I had agreed to. ( my name was not signed the way I sign it on this contract, the amounts were wrong, and my wishes to not have any hard inquiries, and use the creditor of my choice were ignored, along with the wrong address on the contract which is why one of them needed re written after I pointed it out to the finance guy ) they have harassed me and also harassed a family member by phone, telling them about my debt. I was advised that I signed the contract and I have no other choice but to pay this ridiculous amount, so I filed a dispute with XXXX, and sent them ( ALLY ) a validation demand via certified mail. They continued harassing, ignored my demand, and even repossessed the vehicle, this violates my consumer rights which I stated on their recorded phone lines at which reserving my rights, particularly ucc 1-308, and Ill pay the amount I agreed to, but I will not accept this misrepresented contract, I also contacted the dealership, and was hung up on after asking for a manager. My name is copyrighted so they have also defamed my name through false reporting to the credit bureaus. Please help me get this straight.
|
| 02/21/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Cashing a check
|
|
Web |
|
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Ally Bank held almost {$13000.00} of my money from a check deposit but never made the funds available to me for almost a month.
I had to deposit a check that was made out to me and my partner, however we do not have a joint account. Ally Bank advised that we just needed to mail them the check with both of our signatures and a copy of my partner 's driver 's license, which we did on the 2nd week of XXXX.
Called the bank the following two weeks with no update on the status of the check. On XX/XX/XXXX, I then asked the company who issued the check to just stop payment and wire me the funds. They informed me that Ally had already taken the money from the check on XX/XX/XXXX, which they did not inform me about, and Ally had not deposited the money to my account- and they never did.
When I called to ask Ally, no one had an explanation on why they took the funds but did not apply it to my account. They then sent me a bank check for the amount which I tried to deposit to my account. They rejected it because they can not deposit Ally checks to Ally accounts (??? ).
I have now closed my accounts with them, however, a month after this all happened, I can not stop thinking that this was an egregious lack of competence and should be investigated.
They held my money- which was not an insignificant amount- for almost a month. They made it seem like they had not received my check yet but they had already taken the $ XXXX. They did not give me timely updates and repeatedly gave me bad, sometimes even conflicting, information. I do not understand at all how its legal for them to get the funds, hold it, but not transfer it to my account- effectively making it impossible for me to access it at all. It felt like my funds were being held hostage.
I am reporting this so that other customers do not have to experience this ineptitude and very shady business practice.
|
| 02/10/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
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Web |
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2 payments of {$300.00} were taken out of my account on XX/XX/XXXX. I only authorized 1 payment of {$300.00} for my XXXX car payment with Ally. I called and was told it was a mistake and I would be refunded one of the payments and the other would be applied to my account. After 45 days, I received a notice that my account was past due. Each time I call, I am told that is because I was refunded for my XXXX payment so that my account was no longer in good standing since I missed a payment. I have to explain each time I call my situation and that I was double charged. Each time I call, I am told I missed a different payment ( sometimes I am told XXXX and other times the representative guesses a different month ). Finally, I faxed and emailed my bank statements on XX/XX/XXXX to show the double payment and then only 1 refund. I called and was told they were never received and that I sent them to wrong fax number. That happened multiple times. Finally, it was confirmed that my fax was received on XX/XX/XXXX and that it would take 24-48 hours to review. I called after 48 hours and was told it typically takes 3-4 business days and someone will contact me. No one ever called me. I called in again and was told it was being worked on and to call back in 2 days. I did this multiple times. I finally spoke to a woman that let me know that my extra payment was probably applied to my principal and it would need transferred to my balance due and she transferred me to another person. This never happened. Today, on XX/XX/XXXX, I called in to ask for an update and no one had heard of my case. I had to re explain what happened and the representative told me he filed a claim to investigate. This is now 16 business days after Ally has received my bank statements by fax. I can not keep explaining my situation, as this company is not diligently working on getting this resolved.
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| 12/13/2023 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Account opened without my consent or knowledge
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Web |
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Fraudulent accounts were opened using identity theft. One at Ally Bank and the other at XXXX XXXX XXXX I received a notification because the identify thief used my email address for the account.
I called both banks where the accounts were opened. In both cases they refused to close the account and stated they would " restrict the account ''.
They refused to provide me with details with exactly how a restricted account was secure or more secure than a closed account, refused to close the account because " I didn't open the account so I was not a customer of theirs, '' refused to provide me with a timeline of when the account would be closed.
They only stated that they needed to conduct an investigation before any action would be done. When I asked for an estimated timeline for the investigation to be concluded they refused to answer. When I asked if I would be updated on the status of the account, they refuse " because I was not a customer. '' They claimed to " secure and restrict '' the account, but when I challenged them on the fact that they could not even secure the account from being fraudulently opened, how could they ensure restrictions of further fraud such as the opening of another account? Ally hung up on me without answering the question, XXXX XXXX XXXX refused to answer the question.
My issue is these online banks are a hot bed for virtual identity theft to transition to actual theft. It is already alarming to deal with chasing down these fraudulent accounts and double checking if any money was stolen, but to then be denied the closure of a potential risk of future fraud perpetuates the nightmare to a daily basis of constant calls and monitoring. These online banks already seem to have less security in terms of opening and verifying an account than a traditional bank. Refusing to close a fraudulent account only exacerbates the issue.
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| 08/03/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Funds not received from closed account
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Web |
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On XX/XX/2023, I advised Ally Bank that my mother passed away and I was appointed Executor of her Estate. I attached the Death Certificate and Letter of Testamentary through Secure Messaging showing that I am appointed Executor of my mom 's estate.
I received a message that the documents were received and would be reviewed in 2-3 business days. In 7-10 business days after the review, they would mail me a " XXXX XXXX '' with instructions on what to do to get the account closed and transferred to me.
I called Ally Bank when I did not receive anything by XX/XX/2023. The representative told me it was mailed out and give it a few more days. I called again on XX/XX/2023 and the Ally Bank representative told me they were still reviewing it and give it a few more days. So the previous representative lied when he said the documents were mailed out. I called again after not receiving anything and the XXXX told me they were going to XXXX the documents to me for next day delivery and even gave me a reference number. When I called back 2 days later after not receiving the XXXX documents, I was advised that the " Back Office '' is still doing a review.
Ive called several times since then. My last phone call was on XX/XX/2023. The XXXX told me " it shouldn't take that long '' and checked with the " Back Office '' again. Again, they stated they're still doing their review. I even had one representative go so far as to tell me " we have a lot of other customers we work with.
I left a message to have someone call me from Ally Bank to tell me why I havent received the Beneficiary Packet. No one has called or responded to my message.
What I want is for my Mom 's account to be closed right away and the account transferred to me as Executor of her estate. I am really frustrated with Ally Bank blowing me off like they have been doing. I need this resolved right away.
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| 01/10/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
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Web |
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I opened my Ally bank in late XXXX. Ally has locked my bank since XX/XX/XXXX, since I tried using XXXX. The agent I first spoke to said it was probably because I have a new account I'm like ok no big deal it will be fixed, it ends up being worse. The first agent claims she can't help me and to wait and restricted my withdrawals. I then called again to speak to a different agent to see if someone else can help, instead, I get met with an absolutely rude and sarcastic guy that went by the name '' XXXX '' from what he told me his name was. He then starts pestering me with a bunch of irrelevant weird questions on why i chose to use Ally Bank XXXX XXXX, like that's a problem, its a bank.I have the RIGHT to use any bank and the features they have all that I WANT. HE then, started asking me questions about who sent me money, and where are they from, and it was just so bizarre and weird because that's not the topic of why I called. He then told me that It seemed like another device accessed my account which ( was my XXXX ) then he proceeded to have this sarcastic voice on and tells me " well we cant close your account the review is going to take 3-5 days. '' Because I told them I want my account closed. This experience has been the actual worst. I call today for an update, and this agent asks me if anyone told me to make an AlLy bank. Like what? NO! These people are treating me like I am XXXX XXXX or something! I also tell her why cant my account be unlocked..? The agent last week said it would take 3-5 days ''. She tells me " I don't know why someone told you that, we cant give you an estimate. '' No bank has ever been this messed up and not true to their word. I have money tied up in here.! Ally 's customer service has been so terrible, and disgusting, agents are sarcastic and weird, and make you seem like you're being questioned by the police. What a joke.
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| 08/22/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
Ally Subject : Explanation of Inability to Open an Account due to Confinement Dear Ally, I hope this letter finds you well. I am writing to address a recent matter concerning an account application that appears to have been initiated under my name. I would like to clarify that I did not open an account with [ Bank 's Name ] during the specified time frame due to extenuating circumstances that rendered me unable to do so.
The application in question seems to have been submitted on XX/XX/2016. I must emphasize that during the period surrounding that date, I was in confinement and faced significant limitations in my ability to engage in any activities outside of my immediate living space.
The nature of my confinement was such that I did not have access to the necessary resources, including internet access and physical documentation, required to open a new account. Moreover, my location was not conducive to such activities, making it logistically impossible for me to initiate any account-related procedures.
I understand the importance of accurate record-keeping and the need for thorough investigations in matters like these. I kindly request that you conduct a comprehensive review of the application details and consider the circumstances I have outlined. It is my hope that this clarification will allow you to confirm my assertion that I did not open the account mentioned in your records.
If there are any additional steps or documentation required from my end to support this claim, please do not hesitate to inform me. I am more than willing to cooperate fully to resolve this matter promptly.
I appreciate your understanding and cooperation in this regard. It is my earnest hope that we can swiftly resolve any discrepancies and rectify the situation.
Thank you for your attention to this matter. I look forward to your response.
Sincerely, XXXX XXXX
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| 08/07/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
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I have had a used vehicle loan with Ally Financial for a little over 3 years. The terms of my loan state that any amount that I wish to pay, over the minimum payment, will only apply directly to the principal if it's requested in writing.
Since my very first payment, I've sent additional funds every month, clearly marked " apply excess to principal. ".
I realized several months ago that they weren't applying the excess that way, and reached out to Ally. First I was told that I must " request it in writing '' to have excess applied that way, rather than the next payment.
When I explained that it was marked that way, I eventually spoke to a " Supervisor '' who explained to me that it was their policy, not the loan terms, that allowed the application of additional funds, but they apologized and applied the current payment, at that time, to adjust the principal owed.
However, all payments should have been re- amortized, as each and every " extra '' principal amount would have a domino affect on the percentage of the NEXT payment that should apply to the principle.
Then it happened again - and I spoke to them about it again, via email. And it stopped for a little while. I sent 2 payments that were applied correctly, and it now appears that they've gone back to their " old tricks '', but even worse.
I recently started sending them completely separate checks, marked " apply to principle only '' for a much larger amount, in addition to my overpayment of the scheduled loan. They are taking interest out of these separate payments, as well as not applying the additional payments correctly? They're essentially " double dipping '' monthly interest payments rather than applying the amount to principal.
This is clearly a " predatory '' and intentional misunderstanding of their own policies ; that amounts to an undisclosed prepayment penalty on the loan.
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| 07/29/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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To Whom It May Concern : I am writing because my vehicle was repossessed prematurely and not based on company policy. I was informed by an Ally representative their company has a 90 day policy for repossession. My payments are due on the XXXX of each month. My vehicle was repossessed either the evening of XXXX XXXX XXXX XXXX or the early morning XXXX XXXX XXXX XXXX. At the time of the repossession my account was 85 or 86 days past due. I have called XXXX times since XXXX XXXXXX/XX/2019 to resolve this matter with Ally to no avail. I tried to make payments to Ally twice on XXXX XX/XX/2019 ( two different calls ) for the total past due including any and all fees plus the upcoming payment that's not due until XX/XX/2019 ; and they have repeatedly refused to accept my certified funds. They are stating because the vehicle has already been repossessed, I now have to pay the total balance in full. I had just received an email from Ally on XXXX XXXXXX/XX/2019 at XXXX XXXX stating my payment was due on XXXX XX/XX/2019, but according to the representative my account was already flagged for repossession days before. I was preparing to make a payment on XXXX XX/XX/2019 because I just received a pay check from my employer that cleared. However, I awoke to find my vehicle was taken prematurely repossessed. I feel I am being treated unfairly and under the circumstances I would like to be given an opportunity to rectify this situation. I never received any verbal or written correspondence stating my vehicle was in jeopardy of being repossessed. I honestly thought if I made payments on XX/XX/2019 I would be fine. I am able to make all the past due payments and any fees plus the upcoming XX/XX/2019 and even XX/XX/2019 payments in full immediately by certified funds. This is my livelihood, if I don't have a vehicle I can't work and if I can't work I lose everything.
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| 03/17/2023 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In short, Ally Bank has placed a false report on my credit for a ticket ( or toll ) that they can not provide or prove was my ticket.
Ally Bank posted on my credit a XXXX dollar debt that is not owed. It is not owed because Ally Bank has never provided a source document justifying the debt. The disputed debt is for a ticket or toll received in XXXX or XXXX. Initially, I disputed the debt because I paid the only ticket I was aware of, and provided proof of payment. Problem is, Ally bank can not provide the source document supporting the debt. The only thing Ally Bank can provide is a summary letter with no back up support. I initially filled a XXXX complaint, disputing on two grounds, first, that it was a debt not owed because I paid the only ticket received. Second, that they have never provided the source document for the disputed debt.
In dealing with XXXX, XXXX XXXX XXXX, it was disclosed to me that Ally Bank does not have the source document to support the debt. By my understanding of credit laws, the creditor must provide the source document to justify the debt. Ally Bank has never done that. Instead, they confirmed they do not have it. I stated they if they did not have the source document, then the debt is invalid and must be removed from my credit report. XXXX said Ally Bank would not do that. This dispute goes back to XXXX. I did not pay it then for the same reason, that Ally have never given me proof of the disputed debt. I have repeatedly requested the source document, which they first refused to provide, then finally admitted they did not have. This appeared on my credit in XXXX, even though the lease was paid, in full, and ended in XXXX of XXXX. Ally bank waited 7 years to close an account, which I also believe is incorrect. The lease ended in XXXX.
Attached is the summary letter Ally Bank states justifies the credit report ding.
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| 09/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Ally Financial , Inc violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 )
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| 09/06/2021 |
Yes |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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I consumer XXXX XXXX have sent three Cease and Desist to ALLY FINANCIAL to stop ally communication on any and ally mediums about an alleged debt that is not owed and has already been paid. ALLY FINANCIAL continues to violate my federally protected consumer rights under the provisions of 15 USC 1692c ( c ). ALLY FINANCIAL has received my cease and desist by certified mail & return green slip on dates ; XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. ALLY FINANCIAL has not rebutted my three AFFIDAVITS OF TRUTH, statement of facts. ALLY FINANCIAL states that federal law governing them as a debt collector under 15 USC 1692 doesn't apply to them. On 07/13/2015 I entered into a consumer credit transaction extending my credit to ALLY FINANCIAL. This consumer credit transaction involved a finance charge in which is the SUM of all charges under 15 USC 1605. I consumer XXXX XXXX also put a cash down payment of {$4000.00} involving a credit transaction which is against my federally protected rights. The finance charged paid for the entire transaction. ALLY FINANCIAL committed fraud by taking monthly payments on an alleged debt that was already paid for through a credit transaction under 15 USC 1602.
ALLY FINANCIAL has been using abusive tactics in order to collect a debt. ALLY FINANCIAL has threatened to illegally seize my property, something already paid for which is theft and is illegal under the Fair Debt Collection Practices Act. ALLY FINANCIAL is sending me threatening letters to seize my property and to continue damages my reputation as the consumer by reporting false and inaccurate information to the credit reporting agencies without my permission. I have reported these acts to the ATTORNEY GENERALS OFFICE. The harassment from ALLY FINANCIAL is causing me mental anguish, stress, and financial hardship. This alleged debt was already paid, I do not owe this debt.
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| 01/30/2024 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
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Ally Bank Case : XXXX I have been a legitimate Ally banking customer for many years and have several online savings accounts. On XX/XX/24 at around XXXX I received an email that my account was restricted due to suspicious activity. I called Ally and successfully verified my account. They asked me a series of questions which included asking if I've added a new XXXX recipient, I told them I did not. They also asked me for my cell phone and internet provided which I gave them. They asked me if I have transferred any money lately and I told them my son who is a college student deposited his financial aid money to pay for his tuition for a study abroad program into one of my accounts. They told me that was against the bank rules. I was not aware or I would not have allowed that to happen. They told me that I could not access any of my accounts and that my accounts are restricted pending an investigation. I have called and spoken to Customer Service and the Fraud Department and they will not provide me with any information regarding when a decision will be made for the ongoing investigation. I am a XXXX XXXX XXXX and have over 15 years of e-commerce fraud prevent experience. If I would have know this was against the bank rules, I would not have done it nor have I ever violated any other Ally bank rules and I have a great account history with Ally. I want to know when I will have access to my funds and I want my accounts to be unrestricted, instead being told that they can not provide me with the turn around time for when the investigation will be concluded. No well meaning customer will know all of the rules in the banking agreement. There is no one I can speak to in the Investigations Department and there was no supervisor to speak to from the Fraud Department. No one can help me resolve this situation so that I can access the money in my Ally accounts.
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| 06/12/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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On XX/XX/2022 Ally received by certified mail a XXXX $ money order from me with stipulations ( Exhibit A XXXX ) that were in accordance with what Ally has written on the back of the statement ( Exhibit B ) which indicates they know about the UCC codes and expect people to use them, i didnt expect it to work but i gave it try. after Ally received the payment they put a freeze on my account stating they were having problems processing it ( Exhibit C ) up until that point my account was in good standing then Ally returned the payment ( Exhibit D ) so i logged into my account to pay my bill on XX/XX/2022 and saw that there was still a block on the account so i couldnt make a payment i then gave Ally a call on XX/XX/XXXX & XXXX 2022 ( Exhibit E 1-2 ) to find out why i couldnt make a payment. Both times i was told after a XXXX convo that there was a stop payment on the account and that it would be off in XXXX hrs. so on XX/XX/2022 i sent Ally a certified and notarized notice of intent ( Exhibit F 1-3 ) letting them know i am filing a complaint with the FTC ( which sent me to CFPB ) and the XXXX as well as the U.S. Attorney Generals Office so they can be investigated for this shady business practice because it didnt take XXXX to put a stop payment on my account but its taken more than XXXX to try to get it off so i can make a payment. As of today XX/XX/2022 the account is still on hold ( Exhibit G XXXX ) Ally is purposefully an with malicious intent keeping my account status like it is to force me into default on the loan so that they can ruin my credit an repossess the car this is a illegal business tactic being used by a predatory lending company. This blatant violation of MGL 93a section 2 is causing me unwanted pain and suffering. At this point a repossession attempt by Ally would be illegal because of the illegal business tactics that are being used
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| 01/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I have some various inquiries in my credit accounts. All 3 : XXXX, XXXX, and XXXX.
I am trying to sign up for a mortgage, so I need to fix my credits.
Ally Financial - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. The confirmation number of the inquiry with Ally Financial is : XXXX. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do.
XXXX XXXX XXXX XXXX XXXX - Inquiry from XX/XX/XXXX I have no recollection of this inquiry. I contacted XXXX, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do.
XXXX XXXX XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do.
XXXX XXXX XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do.
XXXX XXXX XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do.
XXXX-XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. I have a long-standing account with XXXX. I dont know why they ran my credit again.
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| 05/26/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I was not credited for some payments made by ACH. One of the payments was credited then almost 2 weeks later reversed. I called numerous times to inquire and the customer service reps were unable to tell me what happened or why. So, in writing I requested an audit of the loan.I never received a response back, then they sued me for Breach of Contract. They also had a repo come and take my truck. I went the next day and got the truck back, because I am the Secured Party and have first lien rights to the truck. I am a Secured Party Creditor.This was XX/XX/2018. In XX/XX/2018 I submitted a Bonded Promissory Note for XXXX to discharge the full amount they said was due. Almost 1 full month later I received a letter from them that they do not accept Bonded Promissory Notes, but they did not send it back to me. If they don't accept them, they should have returned it within 72 hours according to REGULATION Z TRUTH IN LENDING ACT. Instead, they sent me a copy of it. So, I wrote them again, requesting the instrument back, un-endorsed, if they don't accept them, they need to send it back. They did not. I wrote them 2 more times requesting it back, no response. In the meantime, there is still an open court case, 2 years later. They are still reporting it on my credit report. I wrote to the attorney representing them, notified them that I had tendered payment 2 years ago and was never credited. They have never responded. Also, the Uniform Commercial Code / U.C.C. 3-603 states that when Tender of Payment is made and is refused THERE IS DISCHARGE. Even if they never credited it, they received it, admitted they received it, so I should have been credited for it. I just want this thing resolved. I don't think it's right for them to take me to court, do nothing, but keep the case open and keep reporting it on my credit. I would really appreciate some help. Thank you
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| 12/03/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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This auto loan contract is effective XX/XX/XXXX with minimum payments of $ XXXX/monthly. According to 4 different representatives at Ally, including XXXX, whom I spoke with XX/XX/XXXX at XXXX XXXX, any monies paid over the minimum automatically goes to principal. I made a {$50.00} payment XX/XX/XXXX & called Ally to have monies applied to principal ( I was already paid ahead through XX/XX/XXXX ), as I've been told by 2 representatives a phone call should be placed by the customer to ensure this. I checked the website XX/XX/XXXX, the {$50.00} payment was applied to principal & interest. I called XX/XX/XXXX & XXXX stated she'd escalate issue & have money reapplied, but as a result, my finance charges would double! She said number of days between payments determines interest, which I understand. Keep in mind, I paid {$50.00} on XX/XX/XXXX, and {$270.00} on XX/XX/XXXX. Payments were made back to back. How does Ally justify not applying all monies to principal, then stating I'd pay " a lot '' more in interest because I requested my extra payment to be reapplied correctly? Ally made an error in misapplying payment.
On XX/XX/XXXX, I spoke with supervisor XXXX at XXXX XXXX, who stated any monies paid over the minimum would automatically go to principal. Ally isn't allowing me to pay down the principal balance without assessing me interest, even though I'm paid ahead until XX/XX/XXXX. I understand interest accrues daily, but if I'm paid up to date, there's no reason I should be charged double interest because I choose to pay down principal. XXXX stated that even if Ally reallocates {$50.00}, it won't change my principal balance because double interest will be tacked on to the next payment that I've already paid! Ally is making it almost impossible for the customer to pay down the loan sooner, and will not own up to it's mistake of misapplying a payment.
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| 09/23/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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Good Afternoon, I filed a previous CFPB complaint for this problem where I referred to the financing agreement as a reaffirmation, which is what I thought it was : Ally is calling it an Auto refinance, so I am filing a new complaint using the auto refinance terminology.
I financed a XXXX XXXX XXXX thru GMAC which was then transferred to Ally bank. The car was titled in Maryland. The VIN number is XXXX. The car and loan were included in a XXXX chapter XXXX bankruptcy. After filing the bankruptcy, I was contacted by Ally bank and asked if Id like to keep the car. They offered to refinance the loan and make it more affordable for me. I accepted the new loan and paid the new loan in full, every payment on time. The loan has been paid in full for more than 5 years. I have actually purchased a new vehicle since then and also financed it with Ally bank and it has been paid in full. The XXXX is in very poor condition and not running. It needs a transmission, among other problems. It wasnt until I tried to dispose of the car that I realized I did not have the lien release. I have been trying to work with Ally to obtain the lien release for over 6 months. I can not properly dispose of the car without the lien release. I have been told by Ally that they have outstanding fees totaling over {$1000.00} from the first loan that they did not include in the refinance. I have been told that they are not attempting to collect the charges because they were included in the XXXX bankruptcy but that they will not provide me the lien release until the charges are paid. I paid the new loan they gave me for the car in full and would not have accepted the refinance offer if the car was not going to be mine free and clear at the end of the loan. Ally has assigned the following case number to this complaint : XXXX. Additionally, Ally can be reached at XXXX option XXXX
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| 08/05/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Credit denial
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Web |
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Over the past couple weeks I have been trying to get an auto loan. However almost every single bank has turned me down without even a counteroffer, just a denial. I have no idea why this is because my credit score is not awful its like a XXXX and I dont owe anyone any money so my DTI and my credit usage are both 0 %. So there is no reason for me to not be able to get an auto loan, Ive never had any issues up until I returned a car to XXXX XXXX XXXX where Im convinced they have put something on a portion of my credit that I am unable to see but the banks can and thats why Im getting denied like I am. I have bought over 15 cars since Ive been driving and Ive done no money down with worse credit and gotten approved but now I dont wan na do money down but I just get denied over and over, even from places that have approved me before with no or little money down and it didnt start until I dealt with XXXX XXXX XXXX XXXX This is causing me serious financial issues because I can not work without a car, and Ive tried every type of car and dealership and even the dealerships are confused as to why the banks arent countering with a down payment amount or different terms or something but they arent. Something is not right and I want it fixed. Ally continues to deny me based off of one late payment on my auto loan with then even though it was their representatives fault because he put my account info in wrong and then the payment bounced and they never called me or even returned the payment until after my grace period was over and they reported me as late. Had they let me know something was wrong or returned the payment I wouldve fixed it but I had them read my the account info used for said payment and it was incorrect meaning their rep heard me wrong or didnt hear me or check themselves to ensure it was correct but Im suffering for his negligence.
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| 11/29/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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On XX/XX/XXXX I closed a mortgage refinance. A condition of this loan was that I pay off my car loan financed with Ally Financial. Rather than ask for a payoff amount, the mortgage company took the payoff amount from the credit bureau report, which was 2 months behind. Additionally, there was another payment due, which I paid as directed, even though I knew the loan was overpaid and would be paid off before the next payment was due. The check was payable directly to Ally Financial. My loan was paid in full on XXXX XXXX, XXXX. I called when I saw the loan was paid online, and was told the overpayment was {$1200.00}, and it would take about 18 days to get the check in the mail. I waited the 18 days and called again. This time I was put on hold, and after a long pause was told that the previous representative was mistaken. It could take up to 90 days to get my overpayment returned to me. This is ridiculous. This is my money. I never was late with a payment, I kept my agreement with Ally. How can they keep my money? Since that time the title has been returned to me, I received a refund of the XXXX insurance for {$250.00}, but no refund for the overpayment of my loan. I called again, and was told it could be another 60 days. Really? How can this bank keep my money? Are they going insolvent? Have they spent MY MONEY and can not send it to me? I am paying interest on this money, since it is now a part of my mortgage loan, but I do not have use of it. Ally should be paying me interest. I made such a fuss to the representative that she put me on hold and said she asked it this could be expedited, and was told no. I would think banks would love a client like me, but I will never finance a car through Ally again. If this is the only bank a dealer has to offer, I would walk away from a deal because there is something very wrong with Ally Financial.
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| 12/23/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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Ally Financial is claiming my mother and I owe a debt with their company but I have requested in writing and verbally to them to send a debt validation, to be able to validate the debt.According to the Fair Debt Collection Practices Act, I am allowed as the consumer to ask for a audit certification of debt entry which they already have refused me. I have spoken to a lot of people in their company, and now they are giving me the run around and when I requested this information they illegally put the car into repossession. The car has not been repossessed at this time, but they are threaten to take the car without following the laws. I did do some research and saw that Ally did get in trouble before for violating the laws, they seem to not know the laws when I quote them. I also did record some of the workers letting them know I recorded and I also have the letter that I mailed to them almost a month ago. I called and tried to reason with them but they just gave me the round around so I need the federal government to step in again and enforce the Fair Debt Collection Practices Act, as well as IFRS and GAAP. I also requested to see their tax registration certificate, because I am now questioning the validity of the company. Attached on is the letter I sent to Ally, as well as the last letter they sent me. I also photographed the back of the sheet Ally sent me because a collections worker for Ally by the name of XXXX with employee ID number XXXX told me that there is back of the sheet that had a different address to send letters to. I checked and there was no back of the sheet which I photographed. The only address on the sheet is XXXX, MN XXXX. Please do not hesitate to contact me for further information, because they are trying to repossess our car and the other account holder is XXXX and I really need the car to take her to appointments.
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| 12/05/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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In 2018 My wife bought a XXXX XXXX and had never bought a car before. The sticker price was XXXX and when she walked out of the dealership she owed XXXX. She had no clue until I looked at it 3 years later. She was charged for gap insurance, and an XXXX warranty and the tire insurance and its funny cause it seems like the dealership, " XXXX XXXX and Ally financial made around XXXX each. And she even put down XXXX bucks down payment which didn't drop the price at all. Well when we had a problem with the engine we ended up having to pay XXXX bucks cause XXXX warranty didn't cover the cost. What we had done would have costed XXXX bucks to fix so it was like we paid XXXX bucks for the warranty XXXX for gap ins and I think XXXX for the tire insurance we never used and with the high interest rate and 6 year loan m, I added it up and Ally and the dealership made over XXXX each. So what. To buy a car, I have to pay for it twice if we don't have great credit. That seems XXXX to me. The rich get everything cheap and the middle class has to pay double. But the kicker is, my wife had no idea she had the gap ins and tire ins snd the extended warranty added. She sd the lady was talking extremely fast and my wife didn't understand that she was going to end up paying XXXX times what the sticker was. We owe like XXXX pr XXXX and if we hadn't had all yhst we'd have paid it off already. I'd like to know if the cfpb recognizes that this was intentional and why couldn't my wife speak with Ally financial, and as her lender shouldn't they he protecting her from the dealership raising the price of the car XXXX tines. You'd think they'd want us to pay the loan back. Or at least say something XXXX hey XXXX XXXX, you realize you're getting a loan for XXXX and the price I'd the car is XXXX. But no. They want as much money as possible just like the dealership.
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| 02/07/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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I Leased this car from Ally Financial for 3 years with the option to purchase at the end of the lease. towards the end of the lease I started calling the bank to ask for the option to purchase the car because I wanted to keep the car. They started running my credit every time I called them and begged them to please sell it to me because that was the only transportation I had to go to work ( See credit inquire history attached ) Once they noticed that the amount owned in xtra miles was greater than the value of the car in XXXX XXXX, Ally started demanded me to pay the amount owned in xtra miles. I was forced to go get another car loan to have transportation to go to work. On XX/XX/2017 After trying multiple times to get financing through different car dealers, I ended up in the XXXX dealer and when they run my credit and search for financial institutions one of the banks that came back offering me a car loan was Ally. Same bank that totally denied me the option to purchase the car I leased from them because of my bad credit was willing to finance me my new car loan. I fell that I was victim of FRAUD with this bank. Plus because all the multiple inquires I was forced to take a 16 % interest rate on my new loan. The government shouldn't allow this companies to still from their good clients. I was offer a Lease with a purchase option and they did not comply at the end of the contract.
This should not be affecting my credit because I comply with every payment until the end of the contract.
I really hope I find someone that will legally educate me as to what my options are to get out of this problem since I comply until the last payment. Ally Broke the contract by denying the option to purchase the car at the end of the lease as they had promised when I got it. How can they call this Lease with option to buy? don't let them fool you.
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| 07/27/2015 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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We leased a vehicle with ALLY Bank, that was mistake # XXXX. Here is what happened. My wife drives our XXXX children to school every morning and uses the XXXX lane. And according to the US Department of Transportation Federal Highway Administration, children count as passengers. Apparently one morning, a police officer must not have been able to see the children in the car, and instead of pulling my wife over ( and realizing there were XXXX people in the car ), he just took down the plate number and sent a summons.
Here is where the problem begins ... .because it is a leased vehicle, the summons went to ALLY Bank, not to me. So we had no idea this happened. Months go buy and I get a letter in the mail from ALLYthat I owe the summons amount and that they are about to pay it for me. So I immediately call them and tell them not to pay the summons becuase we need to fight this because we never touch the XXXX lanes where we live except to go to school with the kids in the car.
Fast forward a month or so and I get a bill saying that I owe ALLY for the summons and I called again and said what about us fighting this? ... we definitely didnt break any rules and this is when Ally 's horrendous customer service kicked in. I must have called and spoken XXXX different people and every one of them had a different answer with the last volatile person telling me that it is too bad, you have to pay it because we paid it for you. Again, I repeatedly told them not to pay and to fight it. It isnt even about the money, it 's the prinicpal of the thing.
So because ALLY Bank is lazy and no one on their end wanted to do their job, I am stuck with a fee that I should n't have to pay but they threaten to go to a collections agency to mess up my credit. This is unfair and shouldnt be how people are treated. Obvioulsy this bank lost a customer for life.
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| 10/13/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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On XX/XX/XXXX I was in a car accident and my car was totaled the next day. I made my Car payment which was due on the XXXX to keep in Good standing. Then got the ball rolling with Insurance and XXXX my insurance company to get payment sent over.
Then in the beginning Middle of XXXX I was give the the run around that my Insurance had not been in touch with Ally Financial the Lien-holder and that they were waiting a response, but XXXX had already sent a check with the Payment amount around 11,500 to help pay towards the loan. Then I log into my account a few days later at the end of XXXX that payment had been sent through and that I did not owe anything until XXXX of XXXX.
Prior to XXXX and XXXX, Ally would always send a notice a couple days ahead of Payment being due I always got a notice that a payment was coming and I need to pay it off. After the Insurance check went through and I had been in contact with Ally multiple times from XXXX through XXXX about keeping my account in good standing and ensuring I didnt owe anything or that I made sure my account showed that I was in an accident and it was a total loss. I am told at the beginning of XXXX that they didnt know I was in an accident or that my car was totaled. They at that point also did not tell me that I owed any missing payment or a payment was due. Then it took them two months to get moving with my GAP insurance and GAP did not issue a Check until XXXX. I got a Notice at the beginning of XXXX that all of a Sudden I owed {$1600.00} plus dollars and that my account was in collections because no one had communicated to me, I did not have any notices of my account missing any payments, but that I owed {$1600.00} something dollars.
My credit has been shot and I am in the process of building a house. I need help getting this fixed for the urgent future please and thank you
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| 10/18/2022 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
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- Closing an account
- Funds not received from closed account
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Web |
Older American, Servicemember |
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XX/XX/2022 Notified Ally Bank that I wanted to transfer my IRA Acct to XXXXXXXX XXXX.
XX/XX/XXXX, I was told by customer service that I would need to file an application to participate. I did that and uploaded it to my Ally Bank Customer Service. Note : This account has been at Ally Bank for 10 years. Acct ending in XXXX.
I thought that didn't sound right so I told them I would do a bank to bank transfer. I submitted the paperwork to XXXXXXXX XXXX where I want my account transferred.
I called Ally bank customer service several times with hold times of about an hour to talk to a representative. The associates were always courteous and tried to be helpful but they clearly have no control over Ally Bank 's corporate delay tactics.
On XX/XX/2022 was told that XXXX XXXX didn't sign bank transfer request form. I contacted XXXXXXXX XXXX and they said they checked the it had been signed but would resend it.
XX/XX/XXXX, Ally Bank received the second transfer request from XXXX XXXX
However they couldn't find the the application to participate again. This time I sent it XXXX overnight so I would have documentation since it had become clear to me that Ally Bank was just delaying and their word is not to be trusted at Executive Customer Relations.
On XXXX XXXX, 2022 they finally closed my account and deducted an early IRA CD withdrawal penalty fee of {$270.00} which I agree was correct.
On XX/XX/XXXX, I was told the check to XXXXXXXX XXXX is in the mail. It is now XX/XX/2022 and the XXXXXXXX XXXX has not received the check.
Please help me to expose Ally Bank. I am XXXX XXXX XXXX, I lost XXXX of my siblings in the past 20 months and I really don't need this additional stress. Elder Abuser?? They have my entire retirement savings out there somewhere. 80 days and counting. A major Bank clearly just delaying sending an old man his money.
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| 11/16/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I have to resubmit this claim because it was not properly closed by the company. I called Ally Auto around XX/XX/XXXX and spoke with an agent about creating a deferment since I lost my income but have another job Im about to start. He told me that I would have a payment due XX/XX/30 of XXXX and then XX/XX/30 XXXX. He then told me to try to make a payment within ten days of XXXX. I told him I probably wouldnt be able to make the payment, but asked if it would affect my agreement if I couldnt. He said no thats fine. I then received a letter in the mail stating my agreement was canceled because they didnt receive the XXXX. So I called and told the agent that I had spoken to someone and they said it was fine if I didnt make the XXXX payment. The new agent told me that was incorrect and the first payment wouldve been required. I asked them to listen to the call because an agreement was made on the recorded line and they said they would call me back within 24-48 hours. Instead, I receive ghost calls where they hang up as soon as I answer. Ive sat on hold for hours but only get agents that seem to not be able to hear me or just hang up. Ive tried numerous times to handle this matter with the company directly.
Ive tried multiple times to contact the representative. The response I received had absolutely nothing to do with my complaint. My complaint was regarding a recorded phone call where I was told misinformation. I need Ally to listen to the phone call and honor the agreement that was made with me. The representative on the phone clearly stated that I do not have to make the payment within 10 days for the agreement to go into affect. He told me to try to make the payment within 10 days. I responded by saying, if I dont make the payment will my agreement still go into affect? The representative responded saying yes thats correct.
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| 09/17/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
Servicemember |
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Due to COVID-19 I received a 4 month deferment on payments, however I continued to make biweekly payments despite deferment. On XX/XX/2020 the online system and statement showed {$2100.00} as unpaid balance, {$9.00} finance charge and {$570.00} late charges, totaling {$2700.00}. Therefore I paid the {$2700.00}, upon completion of payment a notice appeared stating I would receive information on title tracking. My statement showed I had a XXXX balance due for XX/XX/2020, however I never received any information concerning my title. When I went back online there was a {$580.00} late charge balance showing, therefore I emailed Ally asking them how could I all of a sudden owe {$580.00} after my balance was paid early in full. I contact Ally by phone on XX/XX/2020 @ XXXX central time and spoke with XXXX , who didn't appear to be able to assist me and was frustrating my wife, so I requested to speak with a supervisor. I was conected to Ms. XXXX, I asked if she was a supervisor and she stated she was taking supervisor calls. I explained she could review my statement from XXXX, XXXX and XXXX see that the current {$580.00} late fees had been notated after my balance was paid in full, which was not ethical. The online account now stated I owed {$600.00}. I informed Ms. XXXX I had no choice but to pay the {$600.00} to receive my title or continue having charges added. I told her I would pay the {$600.00} and file a complaint requesting a complete investigation.
It is unethical and wrong to take advantage of customers because they have no choice but to pay. If those fees were owed the online system would not have recalculated my required payment due to early payoff, and my statement would not state zero balance for XX/XX/2020. Only for {$600.00} to supposedly be owed XX/XX/2020. Modern day theft is what these companies are allowed to do.
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| 08/02/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
Servicemember |
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On XX/XX/2023 I mailed a cashiers check from my financial institution to refinance and pay off the total left on my auto loan with Ally Financial. The balance on the check reflected the total amount to pay off before the next payment was due, but it didnt reflect on my Ally account until XX/XX/XXXX which caused me to make a payment to prevent any derogatory remarks on my credit score. After making the payment there was a difference of {$420.00} that Ally was going to refund me. I waited 3 weeks for the check to arrive but nothing in the mail. I called Ally and they told me it was sent out roughly around XX/XX/XXXX and I should be getting it any day. Once a week passed I had a feeling something shady was going on and followed up again with another phone call. I told them that I felt the check must have been lost in transit because I still hadnt received it but to my surprise they told me the check had already been cashed and they couldnt send another one. They told me the only option I had available was that they could send me a secure message with the information of the bank that had cashed the check and they would get right on it which was back on XX/XX/XXXX. I called XX/XX/XXXX and just got off the phone with them today to find out that there is still no update or information that they have for me. I asked to speak to a supervisor and all of them were in a meeting ironically. They told me that the supervisor would follow up with me but that was 3-4 weeks ago. Im seeking to attain my refund and end all association with Ally Financial. After spending roughly 5 years with this company Im extremely disappointed with their services and care for their customers. If their only option of referencing me the bank that cashed the check is unsuccessful then they should issue me a direct check or payment to end this once and for all.
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| 06/10/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
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Ally Bank has frozen my check and savings accounts, and is refusing to reopen them, because they claim that they were unable to verify the identity of my wife ( who is a joint account owner for these accounts ) during a recent phone call she had with their customer service department. When asked, Ally Bank informed me that the birthday my wife provided to them on the call ( for verification purposes ) did not match the one they had on file for her. We have double-checked the form we originally sent to Ally Bank when I first added my wife as a joint account owner of my checking and savings accounts, and have confirmed that the birthday provided on the application form is indeed her correct birthday. This indicates that Ally Bank made an error when inputting her information provided on that form into their system, resulting in the birthday they have for her on file being different than the one we provided to them ( the one we provided to them being her real birthday ). I have spoken with Ally Bank multiple times about this, but they continue to insist that there is nothing we can do about this until they " complete their investigation ''. This process has been ongoing for weeks now, leaving me without access to any of the money in both my checking and savings accounts. If the issue is not resolved quickly, it will result in me incurring significant fees as my bills ( auto loan, credit card, rent, etc ) start to pass their due date. Ally Bank has informed me that they will not reimburse me for any fees, penalties, or interest I will incur as a result of not having access to my money due to an error Ally Bank themselves made, and to which neither I nor my wife had any control over. I have sent a copy of my wife 's government issued ID showing her correct birthday, but Ally Bank has refused to do anything with this information.
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| 11/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Ally Financial has reported me 30 days late on my very first payment that was due to them aprox. 9 months ago. I purchased a new car from a dealership in XXXX Colorado, the salesman told me the first payment was not due for 60 days from the date of purchase. Ally financial failed to send me an Invoice of the upcoming payment due date or a payment statement booklet. I never received a statement and 60 days went by. I still had received not statement so I called them, the then sent me a statement that I Immediately paid. Months later I checked my credit report and they had reported me 30 days late which is a ding to my credit score. My credit score is very important to me and I contacted them. I spoke with several people and they did not remove it and months have gone by. I spoke with a women named XXXX who started a case number with me ( ref # XXXX ) I told her what had happened and that the salesman told me 60 days before the first payment was due and since I did not receive a statement from them I had no way to know it was due after 30 days not the 60 days I had been told. I pointed out that I have never been late on a payment to them and could they please remove the late payment as a goodwill adjustment. I just received a letter saying that they will not. Can you please help me with this situation? I have no late marks on my credit report ( except this one from Ally Financial ). The only reason that the incorrect information from the car salesman did not get caught before it was 30 days late is because Ally Financial did not contact me to tell me the payment was due in 30 days from purchase not 60 days from purchase. They should have called me or sent me an Invoice promptly but they dragged there feet, and this is costing me valuable credit points on my FICO scores. PLEASE HELP!! XXXX XXXX : XXXX XXXX XXXX XXXX Co. XXXX
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| 09/05/2020 |
Yes |
- Checking or savings account
- Savings account
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- Closing an account
- Funds not received from closed account
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Web |
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My wife received unemployment benefits due to the pandemic. She can't read English very well and isn't adept at computers so I had to fill out the forms to make it happen. I added her as a co-owner of my bank account at Ally Bank and so I put this account number into the form to receive the funds from the government.
The problem is that for whatever reason, my request to add her to my account didn't go through at Ally Bank and I did not realize this. I added her to my other bank ( XXXX XXXX ) and they added her as co-owner immediately. However, Ally Bank asked for additional documentation because my spouse is a foreign national. I gave them the additional documentation and assumed that it had been taken care of.
A few months into her receiving her unemployment benefits, Ally Bank locks my account and tells me to contact them.
So I call and after waiting on hold for a while, the woman comes back and says in an accusatory voice, " Who is ( wife 's name ) to you? ", I say, " That's my wife. '' She must have thought I was lying because she then says, " Yeah? We're ending our relationship with you. Your account received funds for ( wife 's name ) which is not your name on the account. '' As I try to explain that I thought she had been added as a co-owner of the account, the rep hangs up on me mid-sentence. When I tried to call back, I found that my number was blocked.
I understand that it may look strange because my wife is a foreign national and has an XXXX name while my name is quite plain. However, I do have a marriage certificate that shows we were married on XX/XX/XXXX in Pennsylvania.
The incident with Ally Bank happened XXXX, XXXX and it is now XXXX, XXXX and I have not heard anything from Ally Bank. However, they keep sending me paper statements for my account which show that I have {$10000.00} in the account.
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| 04/04/2019 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
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- Managing an account
- Banking errors
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Web |
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I have 13 Cd.s with Ally Bank for almost 10 years now. I elected to roll those Cd.s from a maturity date of XX/XX/XXXX to a new 5 year cds with a 3.10 % rate with a maturity date of XXXX. I was told all fees would be waved in order to stretch my maturity and keep the finds with ALLY. I also told them to keep the XXXX in accrued in the cd 's in order to give ma a value in each cd of XXXX. I have been on the phone at least 20 times without satisfactory resolution in this case. They will not allow you to call back to a specific supervisor. The normal reps keep saying it is getting escalated to the highest level and that I will get a call back in 48 hours. I am still waiting for this call for over a month now.
1 ) they charged all my cd.s a fee which has not been corrected yet even after at least 20 calls and a visit to their offices in downtown XXXX where they said " we dont see customers here ''.
2 ) They sent out the XXXX dollars in accrued despite my instructions as to what to do with that.
3 ) All my Cd ; s should be the exact amounts and that has not been corrected 4 ) My accrued interest should be adjusted from my previous rate of.2.4 to the new 3.1 % for almost 3 weeks as it took them " 3 weeks to process things manually '' 5 ) all of my calls have been deflected. I did receive a call back from supervisor XXXX and she said she would get back to me as i emphasized these items again with here. This is one week now and no call back nor do i have a way to reach XXXX via phone or email 6 ) NO bank should be allowed to treat customers with such disdain and devalue my time as each call to the call center has been over 15 minute wait time 7 ) A financial penalty should be imposed upon them for my TIME and Money. PLease have them credit my XXXX in accrued interest to every account. And also penalize them for my wasted time.
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| 08/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
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Web |
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In XX/XX/XXXX, my XXXX XXXX was totaled. It was paid off from the total on XX/XX/XXXX to ALLY Auto Finance. I was told at that time it would be 4-6 weeks for the refund on my GAP insurance since the car was paid before the loan ended. On XX/XX/XXXX I called to check on the status of my GAP refund because I hadnt received it. The GAP department informed me they had not been notified the loan was paid off or the car totaled, so they updated my account at that time. I received a letter from ALLY stating I was due a refund if {$940.00}. They said the dealership, XXXX XXXX XXXX in XXXX, KS, where I purchased the car from would be invoiced for the amount owed ( {$940.00} ), would issue the payment to ALLY, then ALLY would pay me {$940.00}. XXXX XXXX submitted payment to ALLY Financial on XX/XX/XXXX. ALLY did not cash the check until XX/XX/XXXX. The check ( number XXXX ) cleared the dealerships bank account on XX/XX/XXXX with no issues in processing. I still have not received payment from ALLY for the GAP insurance. I have called weekly to get information and every time I am on the phone for 45-60 minutes, without any definitive answers. I am told repeatedly it is 4-6 weeks, 6-8 weeks, or 8-12 weeks, every time I call. I have been told I will get a call back within 24-hours, but I have never received a call back. Each time I call, Im told by ALLY Financial it is something ALLY Auto handles, but when Im transferred to ALLY Auto, Im told ALLY Financial handles it, so they transfer me back. When I finally get to someone who listens, they tell me they can see all of the notes from my previous calls, but can not tell me when I am getting my refund. Instead they tell me they will reach out to the department that handles it ( but has not said what department that is ) and I will get a call the next day. I never get a call back though.
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| 08/23/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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Hi. Last year in paid off my car loan with the payoff amount in the amount of {$18000.00} on XXXX XXXX, XXXX that Ally Financial provided for me. I paid the amount and it showed a XXXX balance and that the title was on its way and I didn't owe anything. I've waited at least a week to confirm that I didn't owe anything, just to make sure. On XX/XX/XXXX it showed that I still didn't owe anything and that final payment was received, title was processing and released, and then the processing was complete. Several weeks later, Ally Financial made " reversal '' of a monthly payment I had made in XXXX and it didn't go into my card or checking account. The reason it showed on their website was " Migration. '' So then it showed that I owed {$510.00} and that it was due until XX/XX/XXXX. I called them several times and they said they didn't know why that reversal was created but it was money that I owed. I asked them what checking account or card the money went to and they couldn't provide that information. I paid about {$140.00} of that amount because they threaten to hurting my credit and they would investigate the matter and get back to me. I've called every 2 weeks to get an answer of why the reversal when I have a picture of the account showing a XXXX balance due. They asked me to email it to them and when I tried, I kept getting errors not allowing me to upload pictures " at this time '' because of system maintenance. But you can send emails but no attachment. Now it affected my credit because I never finished paying that amount that was reversed about a month after I paid off the loan. And they still can't tell me why it was reverse. They just tell me that their system was going thru changes around XXXX XXXX so they can't access all the information they need so they can tell me. Any help is greatly appreciated Thank you.
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| 10/23/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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Hello On XX/XX/2018 I had a car accident. I was out of work for over 5 weeks. My car was declared total lost.
on XX/XX/2018 I had made a payment in the amount of {$430.00} to pay for my XX/XX/XXXX payment.
Irregularities. since my car was declared total lost I was waiting to see how much insurance company will pay and Gap Insurance. I never heard anything from Ally at all.
My Gap insurance denied the claim because I had skip 2 payments due to Natural disaster hurricane Irma back in XXXX ( I have never been late ).
I'm looking at the account online 4 months later and now the account is back online Which they had taken access away since it was a total lost vehicle. Now is back online and it says I'm 6 late. this was on XX/XX/XXXX I notice this. I immediately call Ally to make a payment arrangement and they say there is nothing they can I do that I have 4 more days to make a regular payment. Then they transfer me to another department ( XXXX ) and this department offer me an settlement of {$690.00} on XX/XX/2018 at the time I did not had the money in my bank account therefore I told them let me gather the money I will call back.
Now they are telling me that I do not qualify and that they don't do that even when they see in their system the comments on this day by their own repetitive.
also the Irregularities of this company and I need an explanation of all the transactions they have posted to this loan after XX/XX/2018. The company is showing on XX/XX/ a Unpaid balance reduction of {$550.00} then on XX/XX/2018 a payment of {$17000.00} then they reserve the payment of {$17000.00} ( this was the insurance payoff ) then they reserve this payment on the same day XX/XX/XXXX and posted a payment for {$870.00} then more reversals etc. when my last payment was received XX/XX/2018 {$430.00} since my accident was XX/XX/2018.
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| 07/23/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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Ally is my investor, and I have been attempting to complete a loan modification with my service provider XXXX for over a year. They sent me a loan modification approval but each time I called they never acknowledged it until I sent a compliant to both XXXX and Ally. I was then provided the loan modification trial period which normally is a three month period and I paid for 6 months because they would not send me my final Loan Modification to sign. After I contacted XXXX corporate they then paid attention and sent out my final loan documents for signature In XX/XX/2018. I called XXXX, reviewed the terms, especially the amount forgiven with the HELOC department manager, XXXX XXXX and told him that I would sign the documents and return them. For four ( 4 ) months I called XXXX because their system did not reflect the new terms. I was always given the same answer " we are working on it. '' I finally filed a complaint with the OCC on XX/XX/2018 and was contacted by XXXX XXXX. They have taken from XXXX-XX/XX/2018 to " work on loan update '' and then on Thursday after speaking with XXXX XXXX she informed me that " new '' loan modifications were sent out to me and that she wasn't sure but my forgiven amount was not forgiven and now deferred. She did not understand but when I received them that I should call her with question after I reviewed them. There was no explanation attached but a due date to return the signed documents. I have already signed my loan modification papers and returned them with other terms.
XXXX has been unprofessional in handling my loan. There has not been an error in my part and have signed my final loan modification papers.
I am attaching : 1 ) Complaint with OCC 2 ) XXXX Loan Modifications papers signed 3 ) XXXX Loan Modification papers just received ( I highlighted the additional deferred text )
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| 09/22/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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I was in a car accident and I had my car loan through Ally Financial. The vehicle is a total loss being paid by the insurance and I called Ally on XX/XX/2020 to get the payment date of XX/XX/2020 moved to the end of the month so the insurance could take care of everything. I even recorded to call. I was told that the payment would be moved but that I also had a 15 day grace period in addition to that. Then I get a notice that I am past due. I look today and I am 16 days past due and there are lat efees on the account. I call and the first person just mumbled into the phone and hung up. I got on chat and called back simultaneously. I was told on chat that she found a record of me calling to move the payment but told me it never got processed so I was pretty much out of luck. THe collection person XXXX XXXX or something that I talked to on the phone barely spoke English and I asked her to spell her last name like 5 times and still couldn't understand her. She basically told me the same thing. That it never got processed so I had to make the payment. I asked for a supervisor and she claimed one was not available. I asked multiple times and she refused to offer me a manager. Said she was working remotely and no supervisor is available. I had to make a {$350.00} payment today, knowing that the insurance is paying off the loan and that my payment was supposed to be postponed until the end of the month, which would have given me an additional 15 day grace period into the XXXX of XXXX to have the insurance thing done since the car was a total loss. I was in a severe car accident and this stupid company told me that the payment would be moved and now I am having to make an extra payment that I shouldn't because someone did not do their job on the 3rd. I already had to buy a new car and I was told that this was taken care of.
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| 10/04/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
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Web |
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I had reached out to an individual online about taking over a sublease of their apartment. They sent a photo of themselves and their driver 's license to " prove their identity. '' They had me fill out an application to take over the sublease and sign a lease to take over living at the property. At the time of completely the lease they asked me to send {$900.00} as a security deposit to a CPA. When doing a quick internet search the CPA was indeed a real person, however, the information they gave me to send the money to, was not to the actual individual. Additionally, the person had me send them {$1100.00} for the first month 's rent and to get the keys to the apartment. I used XXXX to send both transactions. Upon working on sending the second transaction, I became aware that this was probably a scam. I immediately reached out to Ally Bank to inform them and they refused to assist me with stopping the transaction. After both transactions had cleared, I reached out multiple times to Ally Bank and XXXX to work on getting a refund. Shortly after this both of the accounts had been banned from XXXX, which meant both Ally Bank and XXXX were aware that these accounts were involved with fraudulent activity. I filed claims with Ally Bank and followed up on them multiple times. They said to me every time I contacted them that someone would reach out about my case, but no one ever did. I always had to reach out to them in order to receive any updates. Additionally, I received no response back from XXXX. I filed a police report about a person using a fake identity and creating a fake lease to sublease an apartment. I also filed claims with the XXXX XXXX XXXX against Ally Bank and XXXX. Neither of them were willing to refund my transaction, despite the fact that it had happened while an individual was committing identity fraud.
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| 05/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
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Web |
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On or about XX/XX/, I obtained a notification from the credit bureau ( XXXX and XXXX ) that my score had decreased by over XXXX points. This came as a surprise to me because I have always been the type of person who paid ALL of their bills on time and even set up automatic payments, so that I did not forget. Apparently what happened is one of the Ally Financial Auto, who I was paying through automatic payments, took it upon themselves to cancel my automatic payments without notifying me, and then allowed my account to go into default again without providing me any notification WHATSOEVER. Then, after 30 days of the account being in default, they sent a delinquent account notice to the credit bureaus, which then dropped my credit score. I had zero opportunity to make manual payments after Ally Financial cancelled my automatic payment, and was not notified that they were doing this to my account. I have asked for an investigation of this, and even reached out to the company, and the company keeps denying that they were at fault. I would like this to be further investigated and escalated to the highest level possible. It is impossible for a consumer to know that their account has been changed if the company does not do their due diligence to inform the consumer especially if the company also has policies and terms that state they would notify consumers if there ever is a change made to their automatic payments. They also do not provide any information about the company being able to cancel automatic payments on their companies auto pay authorization form, which I have attached also. I have attached copies of their policy. This is horrible business practice, and grounds for fraud. Again, I would like this to be investigated, and will reach out to my local state representative to bring this to their attention as well.
|
| 11/12/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
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- XX/XX/XXXX I paid the remaining balance of {$350.00} on my account.
- XX/XX/XXXX I have a credit on my account of {$350.00} due to the promo payback credit offered at the time of opening my account ( 0 % interest if paid full loan amount by XX/XX/XXXX ) - XX/XX/XXXX I called the customer service number ( XXXX ) to inform the company that I still had not received my check from the credit. The representative insisted that the check had been sent and was in the mail, I should receive it in 7-10 business days.
- XX/XX/XXXX I called to question what happened to the check that was supposed to be mailed to my home address. The representative told me that she was unsure what happened and would put in an investigation to determine what was going on. I was told I would receive a call back within a week.
- XX/XX/XXXX I call again to figure out what is going on. I was told that the check was sent and cashed on XX/XX/XXXX into a XXXX XXXX account. I let the representative know that I do not have a XXXX XXXX account, nor do any exist in the state of MA. I was told there was a picture of the check with my signature on it. When I asked for the picture to be sent to me via email, I was told that this was not possible but I could receive a copy in the mail in 7-10 business days.
- As of todays date, I have yet to receive my refund or the image of the check.
- XX/XX/XXXX The representative told me that there was nothing they could do, and they would not cancel the first check nor send me a new one. I was told that I should file a police report if I thought that someone took the check out of my mailbox.
- XX/XX/XXXX I call XXXX XXXX myself to try to sort out what happened and report fraudulent activity. I was told that the account number on the check with my signature is an employer account, not a personal checking account.
|
| 01/16/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Older American, Servicemember |
|
Problems with XXXX Credit Card account XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Phone : XXXX XXXX XXXX Account ending in : XXXX XXXX ( ... XXXX ) I have attached documents with this and statements and transactions I have been trying since XX/XX/XXXX to get return of an overpayment ( {$2000.00} ) made by my misstate of sending a {$2000.00} amount to XXXX instead of the correct credit card company. I do not get true answers to resolve this issue.
I closed the account thinking that would help to speed resolution, it did not.
I have called at least 5 times over the last 2 months, since XX/XX/XXXX Their only responses, 1. next billing cycle 2. XXXX were verifying the balance before refunding my money ( I received XXXX letters from them stating that. The balance is obvious. ) 3. sent check on XX/XX/XXXX ( XXXX Statement was no change.
All responses were lies.
XX/XX/XXXX XXXX Called Said the check was sent on XX/XX/XXXX Seems like a long time to receive another delay tactic XX/XX/XXXX XXXX Called again Same answer asked to speak to a XXXX XXXX, said the same thing The balance did not change on the XX/XX/XXXX statement so the check was not issued on XX/XX/XXXX as stated, again another lie.
XX/XX/XXXX Uploaded this document to XXXX, have not heard anything from them ( XX/XX/XXXX ).
The responses I have received when calling the phone number are lies, I want my money back If I was this late in making a payment, I would be charged huge late fees and incredible interest, plus negative credit reporting.
XX/XX/XXXX XXXX Now the XXXX statement show they refunded the money on XX/XX/XXXX which is the date it was posted.
I believe this is another stall or fraud tactic. The transaction record shows the reversed XXXX on XX/XX/XXXX.
I HAVE RECEIVED NOTHING, except lies.
Below are copies of the monthly statements
|
| 01/16/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Funds not received from closed account
|
|
Web |
Older American |
|
We closed an acount with Ally Bank on XX/XX/2022. The only way Ally would distribute the funds was by check, via USPS. When the check didn't arrive, we began contacting Ally by online secure messaging. They required a notorized " lost check '' form, which we sent. We requested the funds to be sent with a tracking option, as that had not happened with the original check. Ally sent the check via XXXX We followed the tracking delays, eventually noted as " address error '' and undeliverable, with no delivery date pending. This was nearly 2 months after the account was closed. Each time I called Ally, a different rep told me the same thing : confirmed our address, saying there was nothing they could do. Their only suggestion was for us to contact XXXX XXXX could not tell us what address was on the pkg and they would not release the package unless we could confirm the address! After yet another call to Ally, we finally got a rep who tracked down the address where the check was sent : IT WAS NOT A REAL ADDRESS. My name, but a non-existent address, not in any way similar to our actual address. Once we knew the wrong address, we drove 10 miles to XXXX XXXX to pick up the check, in order to avoid XXXX sending the check back to Ally, which would have required the whole " lost check '' fiasco to begin again.
Ally Bank closed our account in XXXX, but they still have our funds. We deposited the check at our bank, but it's still " pending ''. So Ally has taken over 2 months to give us our money. 2 months where we had no access to it and we were not earning interest, but Ally had the use of our money. Human or computer errors? Perhaps. But this level of incompetence needs to be called out. If the various departments of Ally are giving customers the run around, whether by carelessness or fraudulent intent, it is unacceptable.
|
| 11/26/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
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The Problem : I have been locked out of my accounts and am unable to withdraw money, use my debit card or even check my balance. According to Ally Bank, they are too busy to assist in resolving this in under 48 hours.
How it Happened : Yesterday ( XX/XX/XXXX ) I tried to make a purchase online with my debit card and it was declined. I called customer service for Ally Bank, with which I have been a customer for 7+ years and have two accounts. The customer service rep I spoke with was, in my opinion, clearly under trained and was unable to answer many of my questions. I disconnected and called back in the hopes of speaking with someone who would be better able to assist me and I reached a woman named XXXX who informed me that the notes said they were having trouble " authenticating my account '' XXXX was able to complete the authentication, explained to me the reason the aforementioned transaction did not go through ( address mismatch ) and then provided information on how to close the account in the future since they have no brick or motor locations. I hung up and tried the transaction again. It was denied. I tried to sign into the mobile app and was directed to call Customer Service again which I did. I spoke with three more people, all of whom gave me different pieces of information and I was advised that I should call the next day because the team that would assist me was not working. It was not explained to me why my account was relocked.
I called the next day and was told that I would have to wait 24-48 hours for a call back from loss prevention and that there was nothing that could be done in the interim.
I have no way to access any of my money with this institution. I have not been given a reason and the internet is littered with reports of other customer 's accounts being locked for a week or more.
|
| 07/17/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
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My parents ( XXXX XXXX XXXX bank at Ally and we have had a very hard time with them. My father was scammed and then has been the victim of identity theft and had multiple issues with his money being stolen. They have helped us but then today, my father got an email that our accountw were closed with no explanation except to call if you have any questions. He called me and we logged into our accounts ( I handle most of their finances ) and see a withdrawal of ALL of their money. {$36000.00} from the main account and the balances from all three accounts show withdrawn and the accounts closed. I call right away, trying to figure out how someone got the money since it doesn't have any explanation- like a transfer? ATM? Cash? After an hour on the phone with support who also is confused and can't figure out how the money was withdrawn, she is finally able to talk to another department and we are told the bank closed the accounts and put checks in the mail to us. By now my mother is needing medical attention, afraid that their life savings is gone. So, I say, please cancel those checks and put the money back and we will transfer it out. They say it is a bank check but they can not cancel and we just have to wait the 7-10 days. I ask if we can get confirmation of why the accounts were closed. Again, did someone call and request this and has some plan to steal the money? We are told we have to wait for the explanation and checks to arrive in the mail. So, we can just freeze your ALL OF YOUR MONEY with NO WARNING and it is within their rights to do so? I don't care if they close our accounts but now we have no access to our money and no confidence that we will get it. It is a nightmare. It does not seem like it should be legal for them to essentially freeze our money with no warning or explanation. This is devastating.
|
| 03/14/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
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As trustee, I opened a CD in the name of my mother 's irrevocable trust. She XXXX XXXX on XX/XX/XXXX and I contacted Ally Bank to close out the CD. I was told since shXXXX XXXX XXXX the CD can be closed without any early termination penalties and XXXX from Ally set up a XXXX report and issued a reference number XXXX. I was instructed on XX/XX/XXXX to fax the XXXX certificate, a copy of my DL and instructions for depositing the funds, which I did on XX/XX/XXXX. I was told that once the information is received it would take XXXX business days to process the request. When I did not received the funds or any correspondence in XXXX business days, I contacted customer service on XX/XX/XXXX. On XXXX I spoke to XXXX who had no information on my request and escalated my request to a XXXX for review and that should take XXXX business days. I called back on XX/XX/XXXX and spoke to XXXX. She told me that the transfer has been inititated and it should take XXXX business days and I should call back on XX/XX/XXXX. I called on XX/XX/XXXX and spoke to another representative who told me it should be another XXXX days. I asked to speak to a supervisor and was connected to XXXX. He told me that XXXX should never had told me that the transfer has been initiated because that was not true. XXXX told me that they are waiting for FIS to inititate the transfer- and that should take another XXXX days.
I have done everything the bank has asked me to do and I am very concerned that every time I call, a customer service representatve tells me to wait another XXXX business days. No one can give me a definitive answer as to when this money will be released and I feel they are holding it XXXX. This money is needed to pay for the care my mother received up until her death and I want Ally Bank to be accountable - something needs to be done.
|
| 02/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have contacted Ally Financial two times in the last 30 days and been advised by two associates and a supervisor that they can not verify, discuss or accept payment for a credit item they claim that I owe.Today I called again and spoke to XXXX who would not give his last name.He seemed to have full access to my account with my personal information, the vehicle related to the account and advised he could see where I had previously called last month.He refused to verify the amount they claim that I owe and repeatedly stated that he could not discuss my account.
A previous call with a supervisor around XX/XX/XXXX I was told that these were new accounts that were not set-up in the system and that she also had no way to review the information or verify totals claimed were correct.This makes no sense as this account is over six years old and due to be removed by law in just a few months.There is nothing new about this account.She stated that even if I were agreeable to making a full payment she could not process.She further advised i should call back in two weeks which I did today XX/XX/XXXX.
They are intentionally providing false information regarding access to the account. This is demonstrated by the fact that during my initial call and discussion with an account representative she advised that she could accept {$3000.00} to settle the account and advised that if I were to accept payment would have to be made within 10 days. This contradicts everything the supervisor and second representative said regarding their access to the account and ability to resolve the account.
These details can easily be verified via a transcript of the calls which per the creditor are recorded.
This creditor is unable to verify, discuss or settle payment on an account they are actively negatively reporting to my credit profile.
|
| 01/29/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Ally Bank is not honoring the pricing on the commitment letter for a Mortgage refinancing despite the issue being a bank error. Details are below : I was given until XX/XX/XXXX EOB to upload documents showing sufficient reserves The application was prematurely denied on XX/XX/XXXX prior to the deadline set forth in the attached email I submitted documents showing sufficient reserves in the morning of XX/XX/XXXX which were accepted and my application was approved.
Because the application was prematurely denied without allowing sufficient time for me to upload documents, when they were in fact uploaded by the XX/XX/XXXX deadline, my application was conditionally approved but not at the pricing set forth in the commitment letter.
This is a violation of the terms set forth in the commitment letter by which the lender is obligated to make a mortgage loan at the pricing set forth in the document.
Original commitment letter pricing for XXXX XXXX XXXX locked through XX/XX/2022 : .25 % points, 2.875 % fixed for 360 Months which Ally Bank has denied the request to honor. Instead they are offering the current market rate which is substantially higher costing me thousands of dollars more.
In addition, I was informed at the time of applying, sales of collectible assets would be qualified as reserves as long as an audit trail was submitted. For this reason, I did not apply with any other institution as I was told a number of times that those assets would qualify as reserves. I was later told after processing my application that those assets would not qualify. The bank admitted to miscommunication but never moved to resolve the issue despite their error.
Continued violation of bait and switch, miscommunication, and premature denial of application resulting in thousands of dollars in potential consumer losses.
|
| 03/16/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
XX/XX/XXXX my stepson who was also one of our employees was found dead in one of our work furnished apartments.
We helped him purchase a truck with down payment money in XXXX.
After a few days of his passing we called Ally to let them know what happened and we were asked if we would assume the loan which we said yes. Payments were current.
After a couple of weeks my wife called them again to set up auto draft which we didnt know they never did. We gave them our information and thought everything was resolved.
We didnt balance our checking accounts as we dont live outside of our financial means.
My wife would spend hours on hold, get run around from department to department only to get hung up on being transferred.
We made 2 payments and after the two payments they continued to try and auto draft the payment when they were told he was deceased. We didnt know this because we were not getting the mail.
We got a message from his aunt saying someone was looking for him ( deceased ) and his truck. The truck is in a secure location.
Our attorney advised us not to pay it off at first and make the payments which we did.
Since this is all he had and only XXXX XXXX XXXX there is no will, trust or estate. Our attorney calls Ally and they kept repeating we cant give you legal advice. He said I dont need that I need the payoff so we can send the payment. They wouldnt do that.
They said we need to set up an estate. Attorney which we furnished his info said there is no reason to set up estate.
We get the payoff after I sent them a check for XXXX which they cashed. They told our source that we owe them XXXX and I sent XXXX for dollars which they cashed.
They still refuse to talk to us, our attorney and have XXXX dollars for the complete amount owed.
So someone suggested we reach out to CFPB.
Please help.
|
| 01/31/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
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On XX/XX/2019 the vehicle, a XXXX XXXX, was repossessed by a towing company, XXXX XXXX, out of a hotel parking lot in XXXX Texas. The loan was in charge off status and the company who ordered the repossesion was Ally Financial located at XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX. On XX/XX/2019 I was emailed a demand for payment of the loan in full for the amount of {$21000.00}. That Monday XX/XX/2019 a wire tranfer was made to Ally Financial in that same amout from a XXXX XXXX bank to pay off the loan in full XXXX XXXX Reference # XXXX. I was on the phone to the Ally call center that same day and the next to verify that they received the full payment amount and asked for a receipt of payment as documentation through email which they were unable to supply even though, verbally, they represented the loan had been paid. I also asked for a release from or for the towing company, XXXX XXXX so I could retreive my car. I was told the release would be at the Towing company and then in the next convesation told that they had canceled the release. I also tired to make arrangements with the Towing company XXXX XXXX in XXXX texas to retrieve any personal items from the car and was told they were closed and to call back the next day. This happened several times and i was never able to access my personal items. Now without any docementation that shows that this account has been paid in full and a release for the vehicle, my car is being transferred to an auction house at XXXX XXXX XXXX in XXXX XXXX Texas. There has been many mistakes in this process and there could be another agregious mistake if this car is accidentally sold after being paid in full. I am not sure if Ally and XXXX XXXX are deceitful or just incompetant or both however i am alarmed at this process and hope you can help me to resolve this matter.
|
| 03/16/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I make my payments about 10 days after the due date, therefore incurring {$15.00} fee each time. Even though it NOT 30 days past due. However, I still pay the fee by including it in my total payment adding it to my normal monthly principal and interest charge. However, Ally does not separate it out, nor do they have a process to mark it online or over the phone as including an extra {$15.00}. Instead, they keep applying the {$15.00} late fee to the principal and interest every month. Therefor, rolling over late fees every month as if I've not paid them when i have.
I've tried explaining this to Ally on several occasions. They need to do a reallocation month over month. I've spoken to someone in XX/XX/XXXX, Spoke to XXXX on XX/XX/XXXX Ref # XXXX and XXXX in XXXX Ref # XXXX his employee id is XXXX. They continually state that because of the new year, and their system issues, they are not able re-allocate it in real time and then my request gets lost. They are not able to fix this while on the phone, they state they need to put in a special request and they " notate '' the account. This latest time, on XX/XX/XXXX, I just paid all the fees ( again ) along with my normal payment. The total paid on XX/XX/XXXX was {$690.00}. Then on XX/XX/XXXX they charged me an additional {$15.00}. Mind you, I have never been 30 days late on payment. Lastly, customer service is horrific. They don't listen, they only repeat their pre-arranged scripts and they make you wait on hold for over 20 - 30 minutes to talk to a manager. Each time i have called, i have had to explain the situation over and over again because I'm sure they didn't notate the account, and only told me they did. They fight with you telling you that you are wrong. They don't do as you request, even when only asking to speak with a supervisor or manager.
|
| 11/09/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
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I got my loan initiated on XX/XX/2021. I received my information to setup on my online banking, and it reflecting that my next payment date was on XXXX XXXX. On XX/XX/2021 I made a payment of {$200.00} which is more than the minimum amount due with the anticipation that it would be applied to the XX/XX/XXXX bill. On XX/XX/XXXX I got an email stating that my payment was late. Which made no sense to me since I had made a payment on XX/XX/XXXX. I called and spoke with a representative who informed me that I made my payment too early, so that even though it was applied to the loan, it did not affect my XXXX due date. I told them I would be making my payment that day, however I wanted them to reapply the payment made in XXXX, to credit my XXXX payment, and the payment I was making that day to credit XXXX. They stated that they could not allocate the payment. I requested a supervisor, who stated they would not reallocate that payment and could not give a guarantee that it would not reflect on my credit, but she would waive the late fee since I was going to be making a payment that day. I advised that should have never been charged a late fee since i was never technically late, having made a payment in XXXX to cover the XXXX payment and now making my XXXX payment. After requesting that they escalate my issue i was told that i would have someone call me back. By the afternoon of the following business day i did not have a call back and I again reached out to Ally to have them make the payment right. They did confirm that it would not reflect on my credit, since they don't report to credit reporting agencies, however they refuse to reallocate my payment to reflect that it was in fact paid in XXXX, and that the payment made in XXXX was for XXXX. All I have asked is that they reallocate my payments accurately
|
| 11/08/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
Older American |
|
I attempted to close an account with a remote bank - Ally Bank in XXXX XXXX, PA.
As this was a trust account, the authorization process was much more complicated than the personal accounts I also had at the bank. With those accounts, I was able to transfer funds out of Ally via their website to my local bank. With the trust account, however, I was required to call the bank and go through a very detailed process to ensure that I was the trustee on the account. When we finally got through this process, they ensured me that they would be sending me the account balance via a check. They confirmed that on the day the account was closed ( XX/XX/2021 ) the account balance was {$12000.00} and that I'd have the check in a few days.
After several months and several phone calls, they indicated that they had already sent the check, but I never received it. They then said they would need a notarized affidavit regarding the lost check, which I sent them on XX/XX/XXXX. Again, I did not receive any check.
I contacted Ally again in XXXX and indicated that I had never received the check. The customer service rep finally found my affidavit and indicated that it had not been processed yet. After a long phone discussion and the significant delay in processing my request, Ally agreed to wire transfer the money to my XXXX XXXX account. I provided the routing and account numbers and waited.
I called them again two weeks ago and again asked where my money was. They indicated that after agreeing to send me the funds via wire transfer, they'd changed their minds and in fact needed a different form of affidavit regarding the lost check and wouldn't be sending me my funds, even after a five month delay, numerous phone calls, long wait times, constant transfers amount their internal departments and many broken promises.
|
| 06/20/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I recently travelled to XXXX, as I have many times. This was the first time doing so where I used my XXXX Debit/Credit Card I have with Ally Bank. Upon return home, I was reviewing my credit card transactions and realized that Ally Bank ( Mastercard ) was not converting the XXXX $ to XXXX $ as is expected and as happened with any other Debit/Credit card that I have used over the years when travelling to XXXX and other countries.
They were charging the XXXX $ amount to my XXXX $ account on a one for one basis, ignoring the currency conversion from XXXX $ to XXXX $ as is suppose to automatically happen.
I contacted Ally Bank and they refused to rectify the problem by issuing the appropriate credits to cover the lack of currency conversion that is normal and suppose to automatically happen. They made the lame and illegal excuse of saying it was not their problem, it was XXXX and therefore I had to contact XXXX. On the telephone they even tried to argue that this non conversion from other currencies is normal practice by banks. Not only is that completely a false statement, I have been using other bank cards for many years and the conversion is done AUTOMATICALLY. This is the first time in over 30 years this has ever happened.
I do not do business with XXXX, I do business with Ally Bank and it was Ally Bank, not XXXX that issued the card to me and it is Ally Bank that I log into to see the posted debit/credit card transactions and therefore they are responsible for the errant transactions that did not do the currency conversion and if something needs to be done with XXXX to fix it, then THEY ( Ally Bank ) needs to work that out with XXXX, not me.
I have attached two documents : 1. Showing the transactions from my Ally Bank online ledger of my account.
2. Their written response to my dispute.
|
| 12/21/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
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XXXX - Still no check! - Recap - XXXX - mail insurance check to Ally Bank XXXX - Ally received check XXXX - Ally mails check back to me because they said it was not endorsed - I stamped it like ANY OTHER CHECK for the company - I WAS NOT TOLD TO SIGN the check without my name on it.
XXXX - XXXX XXXX received the check back.
XXXX talked to " XXXX '' and he told me he would XXXX me a return envelope to XXXX and that I would get it on XXXX - NO SIGNATURE REQUIRED!
XXXX - called Ally said that it would the XXXX envelope would be sent out today - 2 DAYS LATYER THAN PROMISED by " XXXX '' XXXX - XXXX attempted to deliver to XXXX but a SIGNATURE WAS REQUIRED!
XXXX - Went to XXXX to pick up the envelope- put the check in the envelope and dropped off at XXXX.
XXXX - Ally received the envelope XXXX - Called Ally and asked where my money was - They said that they received it on XXXX but still had not done anything with it. Told me it would be 7-10 DAYS XXXX - Ally called me to discuss the problem with me and told me it could be up to 30 MORE DAYS!
XXXX - called Ally to find out when they would XXXX the check back to me as promised by " XXXX '' and they said they would be mailing it to me. I told Ally that this was not what was promised and that I wanted the check reissued and put on XXXX TODAY per the promise OR issuse a ACH payment to me so that funds would be available by XXXX - Was told they would look into it - I told them that they are a BANK AND HAVE NO EXCUSE FOR NOT BEING ABLE TO DO THAT REQUEST- but they are not going to do that.
I now want the payoff to be EFFECTIVE XXXX - NOT XXXX - seeing how they had the check on XXXX and want the interest on the payment account refunded to me along with intrest on the {$14000.00} that they have been earning interest on for not giving me MY MONEY BACK.
|
| 02/28/2020 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
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Web |
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This is not regarding my loan and I am not a customer with Ally. On XX/XX/XXXX a representative named XXXX at XXXX extension XXXX contacted my wife 's nephew ( XXXX XXXX ) in regards to his XXXX XXXX but she did not call my wife directly, she contacted Mr. XXXX 's step mother and left a message as this " This message is for XXXX XXXX my name is XXXX I am calling in reference to XXXX XXXX and XXXX XXXX ''. My wife 's last name is not XXXX. Back in XXXX my wife assisted our very young nephew with an extension fee payment and having a conversation with his Ally account. When my wife called and spoke with XXXX ... XXXX 's exact words were " You are left as an authorized user ''. ( Last time I checked authorized users were not for auto loans ). My wife tried to explain in detail what happened and why her name was on the account and asked for no more calls instead XXXX hung up on her. My wife called back and spoke with a supervisor who agreed to remove her number. Today I received a voicemail from the same XXXX. I'm only associated to your customer through marriage. He is not my direct relative. Not only did I receive a voicemail but this XXXX felt it was necessary to contact MY MOTHER! My mother who has absolutely ZERO association to your customer. She has only met XXXX maybe a handful of times and that is it. This is absolutely ridiculous and a violation of the consumers personal rights. I myself will be taking this a step further and hiring an attorney after the harassment that I endured. There is ZERO reason for XXXX to be contacting 3rd parties who are not associated with the loan. When I called to file the complain the rep who I had on the phone had the audacity to ask if I could have the customer call in to tell them to remove the numbers. I told per law he is to remove any numbers when asked to.
|
| 01/31/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
I purchased a new XXXX XXXX VIN # XXXX from XXXX XXXX in XX/XX/XXXX, financed for 6 years through XXXX. At some point my loan was transferred to Ally Financial. The loan was paid off in XX/XX/XXXX, but I did not receive a tiltle and called to inquire ; I was told that they released the lean on the title and that XXXX would print the title if I needed it. In XX/XX/XXXX the car was wrecked and processed by XXXX as a total loss ; XXXX requires the title to release the settlement funds so that I can get a new vehicle. When I went to XXXX to get the title I was told they could not give me the title because it still had a lean from Ally financial. I asked my wife to call Ally, which she did and was told it would take 24 to 48 hours to process ( I do not have the transaction number ). 10 days later I follow up ; They have no record of my account or social security # but do recognize the VIN of the car. I get the same response as my wife except its 24 to 48 hours for a fax and a week to 10 days for the mail ( transaction # XXXX ). 5 days later still no title release so I follow up again. They transfer me to an account recovery department XXXX who says the system dealing with old accounts is down and they will process it when it is back on line, I asked how long it has been down and when it is expected to be on-line and was told it had been down for at least 2 weeks and they had no information when to expect it to be resolved, and that I have waited 5 years a few more weeks should not be a problem. I call back several times asking for managers or some one who can send a release with out the broken system but have no luck. They all had the same story " they are experiencing technical difficulties and they will call me once they are resolved. I called back the next day and put in another request # XXXX.
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| 07/17/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Older American |
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On XXXX, XX/XX/ I had run a couple of errands and came home after work to pay a couple of bills. My roommate Told me he had put his rent money in my account so I pulled it up. Instead of having over {$500.00} in the account, I was overdrawn- {$55.00}. I quickly looked to see what was going on and saw 5 withdrawals for {$99.00} from my account. 4 from a XXXX XXXX in XXXX and 1 from a XXXX XXXX XXXX XXXX
I called Ally bank immediately. The CSR I spoke with said she understood the urgency and was very nice and empathetic. Then she dropped the bombshell. It would be 10 business days before I would hear from them about the investigation into the debits and it would come by mail.
I cant remember if it was when I spoke to her or the next person that I started asking how in the world did this thief get not one l, not 2, but 5 of these through their bank? And she corrected me saying there was actually another one but it didnt go through. I said yea, it didnt go through because I was out of money, not because your fraud detection woke up.
I was clearly in XXXX in possession of my card since I used it that day more than once. Then, these thieves come along and start charging the same amount over and over and Ally did nothing. No red flag, no fraud alert, no call to me. Nothing. But the worst part is they are taking no responsibility. They are following what they call their standard policy on fraud disputes. Meanwhile they left me in a position of XXXX funds. They dont give provisional credit and run the investigation. You are stuck until they finish the investigation. I had to borrow money from my sister. I dont understand this banks policies. This is obviously their fault and they need to step up and take responsibility for their fraud detection breaking down that day. I hope you will see that too.
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| 09/10/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Stop the harassment as expressed in 1 ) repeated collection attempts and 2 ) a refusal to delete the mention of 'Ally ' from my credit reports ( all credit reporting agencies ).
I am a veteran who has been trying to buy a house for my wife and family for years.
In XXXX or XXXX of XXXX, auto lender Ally Financial surprised me in saying that they expected $ hundreds more per month than the amount I agreed to pay.
My wife ( with me at dealership XXXX XXXX in XXXX, PA, during negotiation ) and I told Ally that I had agreed to ~ {$480.00}. The Ally representative said she would look into it.
Ally reported to us that there was no contract error ; they also said they would continue looking into the matter.
My guess is that the dealer sent an incorrectly created, unsigned contract form to Ally Financial XXXX.
Under duress that the car would be repossessed, we struggled to pay amounts Ally representatives insisted we owed.
Our XXXX XXXX XXXX was repossessed ( stolen ) by Ally Financial XXXX XXXX XXXX XXXX XXXX. Subsequently, my credit reputation was severely damaged. From a combination of paying the much higher monthly payments and the damaged credit ratings on all three credit reporting agencies, our family moved to a small apartment.
We have been trying to buy a home for years. No lender would talk to us.
A collector, Law office of XXXX XXXX XXXX, filed suit in XXXX XXXX courthouse. The judge closed the case because there was no proof that I agreed to the " contract '' that the collector presented.
Additionally, the judge stated that the collector was barred from further attempts to collect.
Ally continues to try to collect. My credit reports are still severely marred. Ally shows neither care, responsibility, nor fear in their continued harm and affect on our lives and finances.
|
| 02/05/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
|
|
Web |
|
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Called middle of XXXX about a {$4.00} charge that showed up on our credit report. After an hour, no one at Ally could tell us what it was for or how we could pay it.
Two weeks later, received a call that our lease was up on XXXX XXXX. We received no letter, no one said anything when we called earlier. We called to tell them we wanted to purchase the car. Two hours later, after they sent us to their loan department, we finally got off the phone. They said theyd call back the next day.
No one called. Concerned I called them. They said everything was fine and for us to wait to hear back on the loan.
Finally yesterday after no hearing back from anyone, I called them. Two hours later, still no one could help me. Said theyd call me back. No one did.
We get a call this morning saying they want to know the location of the car to repossess it. Called the number left six messages, no one called back. Called another number, was on the phone for two hours. Finally they suggested we go immediately to a dealership to get a loan.
Went to dealership. It took them over an hour on the phone to get someone to give the buyout amount. This amount was different from any of the three different amounts we were given.
Because of the huge hassle, we decided to take the money out of stocks and pay them. Called back to get the address. The entire department was in a meeting. Called another number, after 30 minutes, no address. Called another number, finally got someone in the escalating department. She gave me the address.
It was six hours today of nonstop calling, being put on hold, going to dealership, hold again, etc.
It was a terrible experience. I got the name of two managers who were suppose to call me back but never did. By the end of it, I thought my husband or myself were going to have a XXXX XXXX.
|
| 03/12/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I recently applied and was approved for a credit card through Ally bank. Im building my credit up and am attempting to make purchases and immediately pay the purchases off. Ally bank refuses to allow me to make more than 4 payments to the card a month, which was forcing me to roll a balance over each month. After attempting to make a 5th payment online and through the phone, my account was locked by Ally without them notifying me. I only noticed when I wasnt able to log in anymore. I was not notified of this. When I called about it, they wanted me to verify my payment method by requesting my bank send them proof of account standing for the payment method. My bills for this account were electronically delivered to my web account, which means I never received my bill due to not being able to log in to the account. The telephone representatives gave conflicting information on how I could resolve paying the balance and closing the account. Some said I had to mail the payment in and could not pay over the phone ( do not have a statement with mailing address to mail a payment ), others said I could pay over the phone using the bank account that they had stated required verification from the bank ( again, conflicting information ). I finally was able to make my final payment over the phone today, XX/XX/2023, and was able to close the account on the same phone call ( or so they claim ). Ill be keeping an eye out on the account closure, but am concerned about the predatory payment practices of credit card. Why am I restricted to only 4 payments a month. And when I make more payments, why is it so difficult to verify a payment method? This seems predatory and as though Ally is doing everything possible to make paying off a credit card difficult to ensure you carry a balance that has a high interest rate.
|
| 12/20/2017 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
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I switched to Ally Bank in XXXX. I had some cash I wanted to deposit so I deposited them to my wife 's account ( at XXXX XXXX ) and had her write me the check for the said amount. Then the problems began : 1 ) I tried to deposit the check for {$1700.00} with Ally XXXX app.
2 ) The app malfunctioned and deposited it twice.
3 ) I immediately called the Ally customer support and asked to ignore/cancel the second transaction - they assured me they will.
4 ) Both transactions still go through onXX/XX/XXXXand put my wife 's account in overdraft.
5 ) I call Ally again and ask to reverse the second transaction. They say " no problems, money will be back in 2-3 days ''.
6 ) Ally withdraws {$1700.00} from my Ally account on XX/XX/XXXX
7 ) A week passes ; the money never reaches my wife 's account.
8 ) I call Ally every 2 days. Customer support assures me they are on their way.
9 ) After 10 days of arguing they tell me that the ONLY way for my wife to get the money back is to open a " paid case through XXXX '' via her bank. They absolutely refuse to return the {$1700.00} to either mine or hers accounts in any way.
10 ) The branch manager at my wife 's XXXX XXXX tells us that he has never heard of the " paid case '' and can escalate it to the fraud and investigations department at XXXX XXXX on the XX/XX/XXXX. We have had no updates since then.
Summary : Ally keeps my {$1700.00} without any reason and refuses to return them. They literally told me : " If you want your money back from us, you will have to open a case against us. '' We are both graduate students and my wife is not working. My monthly wage is about {$1800.00} and Ally bank has taken my monthly wage without any explanation, warning and refuses to return them. If not for my savings and help from parents we may have ended up homeless.
|
| 08/31/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
ALLY XXXX XXXX XXXX XXXX XXXX
XXXX TEXAS XXXX Acct # XXXX To Whom It May Concern : I recently received a copy of my XXXX, XXXX and XXXX credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! : Ally Auto Account # XXXX Your company is in violation of the FCRA and XXXX Compliance and reporting violation.
15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to Transactions or experiences between the consumer and the person making the report ; In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX you reported transactions from Ally account # XXXX to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports!
The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of XXXX compliance!
Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency.
I need the transactions reported on my account Deleted from my consumer reports effective immediately.
Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so dont respond telling me that to waste my time.
Furthermore 15 USC 1666b ( a ) ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Best regards, XXXX XXXX
|
| 01/30/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have an auto account with Ally Financial. I have received 30 day late payments on my credit report on three occasions. My payment is due on the XXXX, XXXX or XXXX of each month depending on the month.
I was having some problems receiving statements and spoke to a customer service representative about this. I was not quite sure when my exact payment due date was and was running late making my payment due to a personal issue. I made my XX/XX/XXXX payment onXX/XX/XXXX thinking XX/XX/XXXX was the due date and that this would get the payment in before I was 30 days late. I was incorrect and the due date was XX/XX/XXXX. I spoke to an Ally representative that understood I had issues receiving my statements and assured me I would not be reported late on my credit. after I was reported late I was assured again by customer service that this would be removed and to date it has not.
I made sure to get this caught up and always make my payment before it could be marked 30 days late. Then came XX/XX/XXXX, again I am marked 30 days late. I spoke with an Ally representative and they verified that I made my XX/XX/XXXX payment on XX/XX/XXXX. Therefore this payment is not late. Then again in XX/XX/XXXX I was marked 30 days late. An ally representative told me I made my payment on XX/XX/XXXX. I actually have proof that I made this payment on XX/XX/XXXX. Again the payment is not late.
I am attaching proof of the conversations I have had with Ally as well as copies of the payments which prove I made on time payments in XX/XX/XXXX and XX/XX/XXXX.
As it stands now I still have not received statements in the mail and I do not have online access to view them. I never know when my due date is because it is an inconsistent day each month. I would like these late payments removed from my credit and my cosigners.
|
| 05/26/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Servicemember |
|
In XX/XX/2020 I sent {$240.00} to my mother through the XXXX app attached to my Ally bank account. In my end I am receiving a confirmation that the transfer was successfully sent. The money is out of my account and shows as a completed transfer. On the receivers end, my mother reached out to her bank XXXX XXXX that also has an embedded XXXX app. She never received the funds. She was told the transfer was NOT completed. She has not received the {$240.00} that was supposed to be transferred within minutes. It is now over 10 days later. It was supposed to be an instant transfer through XXXX within a few minutes. My bank Ally bank is saying the transfer completed. XXXX XXXX bank is saying the transfer cancelled and were returned to my bank. XXXX is saying that they are not responsible and that both of us should call our banks. Luckily this is a mother and daughter team. We have been able to call both Ally bank and XXXX XXXX banks together and hear both sides of the story. We have called XXXX several times and were offered no assistance. We are merely the customers. We do not have the ability to trace the funds and the banks and XXXX are not being forthcoming. The banks should be doing the legwork, not the customer. We have done everything in our powers and need assistance from another source. The companies refuse to resolve the problem or speak with eachother. I have had {$240.00} literally stolen from me by none other than the FDIC- insured bank that promised to protect my funds. My mother willfully loaned me money that I am left unable to repay until these funds are returned to my bank account. The XXXX transaction number involved is XXXX.
I called back in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX and the problem is still not resolved.
Companies involved.
Ally bank XXXX XXXX XXXX XXXX XXXX XXXX
|
| 07/04/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
Older American, Servicemember |
|
RE : XXXX XXXX XXXX -- -VIN : XXXX -- -Account : XXXX File # XXXX ALLY is willfully committing consumer fraud as the lessee exercised its right for early termination under Section 29 on XX/XX/XXXX ALLY Financials lease agreement specifically states that under Section 8 by Excessive Wear and Use. The lessee may be charged for excessive wear based on Ally Financial standards for normal use and for mileage in excess of 12000 miles per year, at the rate of {$.00} per mile. The penalty for excess mileage is only implemented for each year and where the lessee is penalized on a annual basis, when the vehicle exceeds 12,000 per year. The Annual penalty is charged at {$.00} for every mile driven of 12,000 each year. Example If the lessee during the annual period from XX/XX/XXXX to XX/XX/XXXX, drives 15,000 miles, is charged {$.00} for excessive of 3000 miles and penalized {$750.00}. The same applies for the following annual terms for annual period XX/XX/XXXX to XX/XX/XXXX and also XX/XX/XXXX to XX/XX/XXXX which is lease termination. Inasmuch the term of the lease is for 36 months and the maximum allowable miles is 36,000 miles. However, the lessee has the option for Early End in Section 29 of the lease agreement. Where in Paragraph C states definition of Early Excess Mileage and Wear Charge excessive milage charge is applicable to Section 8. This lease was terminated early has the vehicle was turned in to the dealership One month before the term of the agreement on XX/XX/XXXX. Lease term from XX/XX/XXXX and ending XX/XX/XXXX. ALLY Financial committed consumer fraud as they did not comply with Section 8 and Section 29 of the terms of the lease, they must comply with the lease agreement under early termination and bill me under Section 8 as the lease did not come under full term.
|
| 11/13/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I have XXXX bank accounts, a checking account with XXXX and a savings account with Ally. The XXXX original balance was XXXX. The Ally original balance was XXXX.
On XX/XX/XXXX, I wanted to consolidate accounts, so I started a transfer of XXXX from XXXX to Ally. XXXX is now XXXX balance and Ally should be XXXX + XXXX = XXXX.
On XX/XX/XXXX, I forgot that I already did the transfer, so I accidentally made a second transfer of XXXX from Santander to Ally. XXXX is now XXXX and XXXX because of an overdraft fee. Ally should be XXXX + XXXX = XXXX.
On XX/XX/XXXX, I realize my mistake and see that XXXX is overdrawn. I submit a transfer of XXXX from Ally back to XXXX to fix the overdraft. XXXX is now back to XXXX balance. Ally should be XXXX, which is the correct balance and the original goal of the first transfer on XX/XX/XXXX.
XXXX shows the correct XXXX balance ( excluding minimal interest payment ). I don't know what happened on the Ally end, but they suspended some transfers and deleted the incoming transfer that would make my account the appropriate XXXX. Instead, they deleted the incoming transfer and kept the outgoing transfer, and now the Ally account shows XXXX ( original balance prior to incoming XXXX ) and the XXXX is completely lost.
I contacted Ally bank and they created a case reference number but have no idea where the XXXX went that is still missing from my account.
XXXX shows the correct bank balance of roughly XXXX. I have email receipts of the requested transfers from Ally, but Ally has " lost '' the XXXX and my Ally bank account does not reflect the accurate bank balance which should be XXXX. I am looking for the lost XXXX to be returned to my Ally account to reflect the appropriate balance XXXX. The correct final balances should be XXXX XXXX balance and Ally XXXX.
|
| 05/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX, XXXX credit file dated XX/XX/XXXX, XX/XX/XXXX,. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumers credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose for doing so since I did not apply for employment with your organization nor did I request credit from your organization.
[ I Was alerted through my credit monitoring service that you pulled a hard inquiry on my profile that i did not authorize. ] Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; '' You are civilly liable to me in the amount of {$1000.00} for your willful violation of the law -- performing a " hard inquiry '' on my XXXX and XXXX file without my permission. I do hope that we can settle this matter amicably. You can remove the inquiry within one ( 1 ) business day of the receipt of this notice. Or, we can meet in court where you will end up removing the inquiry, paying me the civil liability fine, punitive damages for my score drop, plus court and attorney fees. The choice is up to you.
Please contact me immediately at the address listed below.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX
|
| 01/13/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
I paid off my account in full on XXXX/XXXX/XXXX and Ally Financial sent me the title to my vehicle 5 days later. On XXXX/XXXX/XXXX I received an alert from my credit monitoring agency that Ally has reported they are in the process of repossessing my vehicle. I called Ally and they confirm the vehicle is paid in full and there report was sent to the credit bureau in error. While on the phone with the rep. he says he submitted a dispute with the XXXX credit reporting agencies. Dispute confirmation # XXXX and that it will be resolved and I should get a response within 7 business days.
On XXXX/XXXX/XXXX - Check checked my credit monitoring profile and discovered that Ally Financial reported on XXXX/XXXX/XXXX to XXXX ( and perhaps the other agency ) that they repossessed my vehicle on XXXX/XXXX/XXXX.
I called filed a complaint against the credit bureau with CFPB straightaway as I could not get anyone their to discuss this issue with.
Immediately after, I called Ally Financial and explained the situation to the american rep. She checked my file and discovered the dispute # XXXX filed with the credit bureau ( s ) last week by their rep. was filed incorrectly as they did not received a confirmation. She offered to resubmit it today. I requested to speak with a manager as it is quite clear to me at this point that the employees at Ally Financial are incompetent. I was told a mgr. is not available and that one will call me back within 24 hours. First they send erroneous information to the credit bureau, then they were not efficient in disputing the information with the credit bureau. I will contact my local T.V. station ( XXXX ) and my local newspaper and notify them of this issue including the fact that I have submitted a complaint with you the CFPB on XXXX/XXXX/XXXX at XXXX XXXX pacific time.
|
| 11/23/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I have been making my payments on time and always communicated with Ally Financial in regards to the loan on my vehicle. I have noticed over the past few months finance charges are extremely high, approximately XXXX % of my total payment. When I confronted Ally they told me that I have a window I need to make the payment to reduce these fees. They cant not clearly explain the window, nor do they show the interest fees up front. Keep in mind, My payments are made on time, on or before the due date. Also, My account shows I have XXXX payments remaining but there is no accuracy to this because they keep charging me so much in interest. Also, the according their website, the outstanding balance is XXXX but it shows me as only having XXXX payments left which is XXXX my payment is XXXX a month and nothing is making any sense. They made no sense when explaining what is going on, and I feel like they are taking advantage of me. I need help, I need clear definition of what I owe and when ( specific dates ) payments need to be made to reduce these extremely unreasonable financing charges. My payments are on time. They claim to post the statement for the month 9-10 days before the due date. So even if I make the payment in that 9-10 days before the due date the interest rate goes up if I make the payment 30 days after the last payment even if all the payments are on time. This doesnt seem legal, please help!! I am a poor boy from West Virginia and I really cant afford a lawyer. they are charging me {$130.00} in financing charges on a {$350.00} monthly payment. So only XXXX went toward the actual balance meaning I would have to make XXXX more payments reach my total balance provided they continue to do my dirty like this. As I said before, the website shows me as owing XXXX more payments. Please help
|
| 01/14/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
On XX/XX/XXXX I leased a new vehicle from a local dealership, the lease was assigned and the vehicle was sold to Ally Bank XXXX XXXX.
On XX/XX/XXXX my dealership contacted Ally Bank XXXX XXXX for the buyout amount of the vehicle for a trade in. The amount they were given was {$7900.00} higher than the buyout stipulated in the contract. I called Ally Bank XXXX XXXX and was told the extra amount was due to " regulations and taxes ''. As that didn't answer the question I asked the finance manager at the dealership to contact the dealer services branch at Ally Bank and they were told that I am not allowed to trade in vehicles leased by them and if I did the dealer must pay rull retail value of the vehicle. None of this is stipulated in the contract that I signed.
On XX/XX/XXXX, I contacted Ally Bank XXXX XXXX again and spoke with Supervisory Account XXXX XXXX who told me that Ally does not allow dealerships to buy out their leases. When I pressed him to show me where that is in the contract he was unwilling or unable too. I continued to press him for additional information as to why they were not allowing me to exercise the option plainly stated in their lease contract which he refused to do. In the contract, besides buying out the lease, there is a option to voluntarily end the lease and turn in the vehicle, when I asked for specifics of how that would work he refused to answer and told me to contact my dealer. When I told him that I tried that but Ally Bank was unwilling to work with them so I needed him to explain how it worked again which he refused.
This is the XXXX vehicle I have leased in the past 10 years and this BY FAR is the worst I've ever experienced working with a leasing company before. I've never seen a company try so hard to not honor their own contract in their favor!
|
| 12/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
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I lost my job a month before a payment was due, I called them and set up a payment plan with them to where I had two months for coronavirus leave because I lost my job over the coronavirus that I didnt have to make my payments till XXXX next thing I know they hit me for two months of late payments I called him up asked him what was going on they didnt make any notes in their computers about the arranged plan that I had with them they said as well it didnt go through so we could try again and do it again so we did that we went ahead and renewed the plan they asked for a payment of XXXX which I gave them and now theyre still expecting a payment for this month which Im going to do but as part of the plan that we had talked about last month and this month I wasnt supposed to make any car payments so something in their system is not getting updated when they do these things with me therefore I cant keep up on top of it not hitting my credit reports and its kind of driving me insane because every month Ive been talking to these people and nothing seems to be written down in notes nobody seems to see what someone else is done or talk to me about and its its very frustrating to work with a company that taking notes in their computer system and making the statements right as well one of the gentleman I talk to said that when I asked him about my credit being impacted by them he said " oh we have nothing to do with impacting late payments on your credit report '', we cant change that we cant do anything to help you and my biggest thing is what do you mean you cant help me fix the late payments or get off my credit report and what do you mean you guys dont impact my credit how does that make any sense I dont know. The late payments should've never been there and they aren't helping me. Please help
|
| 11/12/2022 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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XXXX this is my response to your letter you sent datingXX/XX/2022 you said in recent response that you believe you are reporting accurate credit information. my problem with that is where you there for this extension of consumer credit? as well as you used the word believe which means you accept as true on a personal level. what you believe and what you can prove and provide are two different meanings. you also had mentioned that theirs still a alleged debt arising from said account? but
when i read the truth and lending act and came about the finance charge ( 15 USC 1605 ) that the finance charge SHALL be the sum of all charges! and taken another look at this installment agreement you attached from you're last response it shows multiple charges amounting to XXXX dollars more then the finance charge.
can you explain why ally financial shall not be civilly liable for not properly disclosing what the finance charge is? why was i forced into paying for insurance when that as well should have been including in the finance charge? advertising down payments? under section 1640 of tila when a consumer is not fully disclosed the true meaning of the transaction and what is really happening under the open ended credit plan that used for personal family and household purposes shall be liable for double the finance charge.
i am still demanding verification or debt, validation of debt, and all accounting on and off ledger and documentation ally has suffered loss and damage. i request you stop sending statements and provide valid proof ally financial is a said creditor.
that proof shall not include consumer contract. because as per judgement pacific concrete F.C.U v kauanoe the consumer contract is not sufficient evidence of a debt also provide a audit trail of the transaction originated by you.
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| 03/04/2020 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Deposits or withdrawals
|
|
Web |
Older American |
|
My certificate of deposit with Ally Bank matured XX/XX/2020. On XX/XX/XXXX, by accident, I found that the completed transfer I had instituted via my broker, had been countermanded by Ally, the money returned to Ally and my account there frozen. No notification, no explanation, no apologies. On XX/XX/XXXX, after repeated calls and emails ( one with documentation of my identity ), I was told by a staff person in the fraud department that no one could speak to me because I am deceased.
So far as I can tell, I am alive. I eat, sleep, and charge things on my credit cards. It should be ridiculously easy to confirm my continuing existence.
I am not privy to Ally 's reasoning or sources but I did XXXX and found a person of the same name who did die -- -two years before I bought my CD. You would have to be alarmingly blind not to notice that this other person had a different address, a different telephone number ( presumably closed by this time ), a different social security number. In short, we shared nothing but a name.
I have pointed out these facts in additional emails and calls and they have been met with a wall of silence.
Meanwhile, no one will say where my money actually is. The amount in question is more than {$100000.00} on which I am losing considerable interest every day since it is not in the bank where it was headed. My reputation with my broker has been damaged, and this whole bizarre example of mind-boggling incompetence and not-my-problem indifference has taken a toll on my health. I believe the aborted transfer also violates the Electronic Funds Transfer Act.
Ally advertises that " ... every interaction we have is designed to ensure we're doing doing our best for our customers and their financial well being ''. That might strike me as black humor if I could still laugh.
|
| 08/25/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
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Web |
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I opened an Ally checking account XX/XX/2022. I opened this account because I got an email saying I qualified for {$250.00} bonus when I opened one. I am on their mailing list because I have an auto loan through Ally Auto. I opened this account and made the qualifying deposit on XX/XX/2022. I was told by a customer representative that I would have my {$250.00} by XX/XX/2022.
Here are her words exactly on XX/XX/2022 Hello this is XXXX! Thank you for messaging with me today, here at Ally Customer Care. I am showing your 1st qualified deposit was made on XX/XX/2022. According to the email that was sent out to you. I am showing it advies that bonuses will be paid within 30 calendar days after receiving the qualified direct deposits. I am showing that is XX/XX/2022.
I asked today XX/XX/2022 and they told me they could not do anything if I didnt have the promotion code in the original email. This email has since been deleted and can not be recovered. I told them that I had emails saying I was signed up for the promotion and still they said there was nothing they could do. Even though they sent me the email and I have proof I signed up for this offer. This proof includes emails all the way up until XX/XX/2022 saying I am still enrolled under the promotion The last response I got was this.
I do apologize for the inconvenience, but without the promotion code, we are unable to create the case. As our office is an inbound contact location, with a large number of security policies, we are unable to access any email system, but we are also unable to access the email account of the agent that sent the email to you. The only option would be to have the promotion code.
This is a scam and I want this resolved. No telling how many other people signed up for this and never received their money.
|
| 09/08/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
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Web |
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I turned my lease in at the end of XX/XX/XXXX. There was some paint damage that I filed an insurance claim to cover. The insurance company approved the repairs of just over {$11000.00} and we paid insurance to then pay them to fix the damage. We were told everything was completed and done. About a year later, sometime in XX/XX/XXXX, I got a notice from my credit report that I had a delinquent account and I checked and it was for Ally Financial, who I had the lease with. They were saying that we owed almost {$20000.00} on the lease we turned in. We called them and they could not explain why we owed the money. From then until now ( XX/XX/XXXX ), we have been on the phone from hundreds of hours with Ally trying to figure out why we owed this money. They have updated the credit report several times with many different outcomes over the last year+ including charged off, repossessed, payments missed, current, and everything else in between. Over this time period, we have only received 2 letters in the mail from Ally, both with conflicting information and amounts we owed. They have never contacted us via phone, email, or mail otherwise. My credit score has been damaged as a result of this, going from around a XXXX down to below XXXX and now back up to XXXX. I continuously call and talk to different people and no one has an answer and can not understand the notes on our account. Sometimes we get someone who promises to figure it out and get back to us and never does. We have spent almost every day off we have had in the last year trying to call and get an answer with no resolve. Today, I received a letter in the mail saying that we owe {$6200.00} and that they are willing to settle the debt. I still have no explanation as to what this debt is for and why we owe it. Can you please help us?!
|
| 04/18/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
Ally Auto. In the beginning I had problems with calls about other clients because their last name was like mine XXXX. It hot so bad the gentleman got mad because of the questions I was asking because I felt they were cheating me and there has to be an American and Foreign company. I get calls about stuff anyone that can bring up my account should see. I was even told that I had 2 accounts. When I argued that, the next morning my car was repossessed and it cost me over {$3000.00} to get it muddy..items..money stolen..flat tire. There was {$400.00} plus dollars applied to my account towards interest because the didn't expect it. Well I didn't send it. Then it was from a claim against Ally payout. Lie..now my bank account is being over drawn because they told me in XXXX that my Catchup Plan was canceled because the payment of {$630.00} was returned. I called rep told me that the payment was taken in XXXX because there wasn't enough time between XX/XX/XXXX to XXXXXXXX XXXXto stop the withdrawal..Lie. For the last 3 months they have been overdrafting my account... calling me. I caed back for XXXXonce I started telling XXXX what was going on he hung up on me. No call back yet. If you look on their Messenger page I have sent multiple messages, all they say we passed it on. Yesterday a female from the Foreign company called asking me for {$900.00} I let her have it. At 1st it was {$1500.00} .I paid {$500.00} on XX/XX/XXXX after they took {$630.00} on XXXX XXXXthen they turned around and took another {$630.00} on XX/XX/XXXX. I'm a 100 % XXXX, unemployable retired XXXX veteran. I only get what the government sends me. Ally has no integrity. Those employed lie on both ends. I have the full name, extention, date and time she told me there wasn't enough time to stop the withdrawal for XXXX.
|
| 02/10/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
Ally Auto Fiancial ( Auto Loan ) This is my second vehicle financed by Ally Auto. The previous vehicle was a XXXX XXXX, which I paid off before time in full ; hence Im a good customer.
Due to the COVID-19 furlough, I had requested more time to pay my current Ally auto payments. I was asked to contact via chat, and I did on XX/XX/XXXX. I was assured that I would not be paying any interest etc., till the end of XX/XX/XXXX.
However, I received an email from Ally in early XX/XX/XXXX that I was late in payment. Then, on XX/XX/XXXX, I contacted Ally auto via email and phone. Email reply was an auto-reply from Ally asking me to call. I have tried several times to call Ally auto but was promptly placed on hold for more than 45 minutes. I was told by one representative on phone you are from XXXX, why are you in the USA. ( Im a proud US Citizen ) I called a few more times to work something out with Ally auto, but every time was placed on hold, endlessly.
Ally auto never called me back or replied to my emails to work out a payment plan or a fair resolution. I believe I have been treated unfairly inspite of having an excellent paying history.
Ally Financial is also unfairly sending a negative report to credit bureaus.
I am requesting that Ally Auto cancel my payments for a couple of months and retract any negative report sent and work out a payment plan.
Im hoping that this can be resolved in a mutually agreeable term. Ally financial called today ( XX/XX/XXXX ) and threatened to repossess the car and ruin my credit history. I believe I am a victim of Ally Auto 's predatory business practices, discrimination and bias.
I'm being forced to pay inspite of promises made by Ally Financial without making any current concessions due to COVID-19 pandemic.
Thank You for your help!
XXXX XXXX
|
| 09/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # :XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Ally Financial Inc. violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), and 18 U.S. Code 8
|
| 08/02/2017 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
I executed a transfer from my Ally Online Savings Account to my Ally Interest Checking account via my logged in online account. Ally Bank duplicated the transaction, such that the amount was transferred a total of 2 times. The second transfer was made in the absence of any instruction from me to do so, and shows as counting against the Regulation D 6 transfers per monthly statement cycle. I immediately notified Ally of their error, and requested that the wrongly duplicated transaction be reversed so as to not count against my 6 allowed transfers for the month. Ally told me this could not be done, and that the duplicated transaction would in fact count as a distinct transaction for Regulation D purposes. Ally offered to execute a third transaction, moving the duplicated amount back into the Savings account, but that does not resolve the issue, as I could potentially need to make use of all 6 of my allowed transfers out of Savings. I was told the same thing by both a chat representative and their supervisor once escalated. I do not believe Ally has resolved this issue. My position is that Ally has taken away the ability to make 1/6 of my allowed monthly transfers, and failed to either rectify the issue or compensate me for lost freedom under Federal law. Furthermore, Ally 's refusal to to reverse their own errors is concerning due to the impact this could have on other customers were they charged overdraft fees due to a duplicated transaction. Luckily, the second transaction Ally made did not overdraft my account and I was not charged a fee, but I believe other customers who experience the same issue could be subject to fees. Given that even determined customer complaint could not resolve the issue, I am concerned other depositors could be harmed by Ally 's negligence in future.
|
| 02/19/2018 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
Consumer Financial Protection Bureau, I had two auto loans for a truck and car with Ally Financial back in XX/XX/XXXX and during a transfer to a new Federal job I had a lapse on the payment for a XXXX XXXX XXXX. Despite my attempts to negotiate with Ally to make payment a few days later, the company refused and repossessed the car. Needless to say some months later I received notice that Ally sold this car to a reseller and I still owed the difference from the purchase price. XXXX XXXX is Account : XXXX, Reference XXXX. Since that notice I have been making monthly online payments from my bank bill pay this XXXX XXXX. Last year I also paid off the truck loan and received title as scheduled with no problem.
I have made numerous attempts to contact Ally Financial collections department to request a written notice for the balance to pay off this XXXX XXXX. My most recent phone call was on XX/XX/XXXX where they confirmed receiving my payments, but then refused to tell about my payments, my balance, and send written debt, balance, and pay off information. In addition Ally Financial told me my XXXX XXXX was sold to another debt collection company, but then refused to tell me the company, address and contact, and balance or payments transferred to this company. I have made repeated attempts to pay off this debt, but every time I have contacted Ally Financial collections department they have refused to provide my balance, my payments, written statement of balance, and not allow me to pay off this XXXX XXXX.
I simply want written or email notification of my balance so I can pay off this Sale Debt and stop Ally Financial from continuing to degrade my credit report and FICO score. Ally Financial has repeatedly refused to provide my balance and allow me pay off this debt. -- Thank You
|
| 10/03/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
TILA, FCPA, FDCPA and Privacy act VIOLATIONS This is an attempt to validate a debt, against ALLY On XX/XX/XXXX and on XX/XX/XXXX I made the total payment for the remaining auto balance. Even though, being aware that I never received a loan and the bank is committing fraud per GAAP and TILA. My wife called XXXX XXXX on XX/XX/XXXX in the morning to confirm payment was received. She was told by your representative that full payment was received and a remaining balance is do to you. We will return the balance to you and I will send an email for them to release the lien. The call was also recorded. LOAN PAID IN FULL! XXXX XXXX loan and lien has been fully paid and satisfy. I have all documents from Ally as proof ( Ally Congratulations with Contract stamped PAID IN FULL, title and lease release. I have NOT seen any evidence to support any allegations to the contrary, and I believe no such evidence exists. Payment confirmation copies attached from ALLY website, 4 pages. Also, attached copy of letter from Ally Congratulations, title and lease release. Furthermore, copies from the credit Bureaus showing Ally account paid and closed. ACCOUNT AUDIT was sent out certified mail to the Title CFO XXXX, XXXX XXXX and CEO XXXX XXXX. Also via Ally website on XX/XX/XXXX ( attached ).
You can contact me at above address and email me at XXXX.
Ally is refusing to close the account and is still requesting payments. Also Ally reinserted negative loan information on my credit as owe and late. Please close this account # XXXX and remove information from credit Bureaus.
VIOLATIONS of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ) TILA and Privacy act.
I am requesting your assistance in putting an end to this matter before filing a lawsuit.
|
| 05/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I am filing this complaint against [ ] because they have violated my rights as a consumer and failed to respond to several demands for resolution. They are in willful violation of the FCRA and they clearly have no desire to act beyond evading responsibility. I have given them ample opportunity to resolve these issues. These incorrect files are having a severe impact on my credit bureaus and XXXX scores. This inaccurate information is preventing me from moving forward with several financial plans. I have sent letters to the credit bureaus and to them specifically on [ Dispute and letter dates from results portal or we can provide these ] with no results and with no response. They are engaging in plausible deniability of the following issues.
account closed XX/XX/14 We bought a brand new XXXX XXXX with a loan from Ally Financial. Along with that we also purchase the GAP insurance incase anything were to happen. Unfortunately a year after purchasing the the car. My wife was at a light with our children in the car and a drunk driver came over the from the other side of traffic and ran into the truck head on and totaled the vehicle. We only had one car at the time and didnt have means to keep making payments before all the approval that the car was totaled and GAP kicked in to pay off the vehicle. During this time our account went past due and as you can see in the account it was paid off by GAP insurance because it was deemed totaled. Since then if you look up my history with Ally weve purchased and sold many vehicles using Ally. We currently have a longterm savings account with them. So our track recored with getting and paying off loans is there. This mark on our credit is a faulty example of what occurred and were asking for it to be removed or we will take a legal action.
|
| 10/26/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I gave birth XX/XX/2020, while I was on maternity leave my mother asked me to help her get a new car with my credit since she had bad credit. She and the saleswoman XXXX XXXX with XXXX XXXX XXXX XXXX drove to my house to have me sign the contract ; when I asked why my name was listed as primary the saleswoman had the nerve to lie to me and said that the order of the names would not matter. Months later, my mother ran a red light and keeps driving through tolls in XXXX XXXX that all billed under MY NAME. XXXX and FL XXXX were not helpful at all even when I told them she's also listed on the title, they only care to list the first person. Meanwhile I don't even possess or drive the car, I have my own! I attempted to resolve my issue through a different agency but all the dealership did was send ONE PAGE of the contract. Even though the dealership listed me as primary owner they never once bothered to personally follow up with me they only checked in with my mother. If you asked them for the full documentation you will see she is the one requesting to purchase the vehicle and the one requesting the addons, so why did they make me primary if she is the one authorizing everything else on the purchase including her own trade in? In fact, if this were my vehicle don't you think I would have gone to a dealer close to home since I just gave birth, not XXXX XXXX where my mother lives? My relationship with my mother is a different story, yes I have asked her to take my stepdad 's car on their trips but they keep taking the toll lanes under my name. I do not have access to the Ally Auto login for this vehicle, since my mother is the one paying on the vehicle only she does. She drives it and pays for it, so I think it should primarily be in her name if I'm just being used for my credit.
|
| 04/22/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I bought a vehicle from XXXX and Ally provided the loan. I requested a cancellation of a insurance policy through XXXX, and was told they would be sending the refund check to Ally to be applied to my outstanding balance. It took XXXX about a month and half to disperse that refund. During that time, I paid off my loan in full with Ally. According to XXXX, they cashed and cleared the check ( check number XXXX XXXX on XX/XX/21. After that, I spoke to representatives from Ally and was told they had received the payment from XXXX and would be mailing me a physical refund check. I did not receive this check after 10 business days. I requested a new check to be sent out, did not receive that check after 10 business days. Again, I requested a new check and did not receive it. Each time, the representative confirmed to me that they was the credit on my account that I was owed a payment for and they would be mailing the check. Finally, I called and requested that a new check be sent out to me and I be given a tracking number so I could ensure delivery. At this point, I was told that Ally had never received a payment from XXXX, and that they did not owe me any money and I would have to check with XXXX. I contacted XXXX and was told the same information, that the check was sent to Ally on XX/XX/21, cashed and cleared on XX/XX/21. XXXX was helpful, cooperative, transparent and was willing to give me whatever written information I requested. Ally has refused to communicate with me in writing, stating that " they are not allowed to use email ''. They have refused to give me any written statements about their plan to resolve this issue, and have refused to give me the email address or direct phone number for anyone in their payment investigations department that can assist with this claim.
|
| 01/05/2017 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Web |
|
|
Ally Bank currently has XXXX Raise Your Rate CD products - a XXXX CD that allows you to raise your rate once during the life of the product and a XXXX CD that allows you to raise the XXXX twice during the life of the product. Currently, the initial rates for the XXXX and XXXX -yr are XXXX and XXXX, respectively. The reason consumers went into these products was so they did n't get stuck when interest rates started to rise - just as the product was marketed by Ally. Now that interest rates have started to increase neither of these rates has budged. Ally is not being competitive with these rates. Per XXXX, the rate they offer for a XXXX is XXXX best and the rate for their XXXX is XXXX best among banks. What 's most telling is that if I wanted to put {$25000.00} in a XXXX with Ally today they 'd pay me a rate of XXXX for XXXX, but only XXXX for XXXX. From a bank 's perspective, I would think that 's counter-intuitive, but it reflects their rates as of today. Even though the XXXX bond market has a normal yield curve, Ally 's in inverted. I believe they wo n't move the rate on the XXXX and XXXX because customers would exercise their option to increase the rate and Ally does n't want to pay up. They should eliminate this deceptive product. If consumers knew that they never intended, in good faith, to budge on these rates, they would have opted to go for a straight CD that paid a little more, rather than paying for the Raise Your XXXX XXXX option - an option that appears worthless. Take their rates today on the XXXX straight CD, which is XXXX. I get XXXX basis points more for a XXXX shorter term CD than the XXXX CD paying XXXX. If past is prologue, I would n't expect Ally to move the XXXX rate. It does n't appear that they are under any obligation to do so, yet the product exists.
|
| 02/28/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Web |
Servicemember |
|
I'm trying to refinance the new auto loan I had through Ally Financial, Inc. with a new lender. Ally reportedly received my check for the payoff on XX/XX/2018. Payments to Ally by mail take 3-5 business days to process, but on the 6th business day it had not posted, which made my account go 30 days past due, which was immediately reported to the credit bureau. Next, on XX/XX/XXXX Ally informed me that the payoff amount was short because ( due to them delaying it ) I owed {$300.00} more in finance charges than the loan is for, and they wouldn't process the check until I made a payment of {$300.00} to cover that gap. I made that payment electronically the same day, and it is the now XX/XX/XXXX. The payoff has still not posted ; I'm chatting with their customer service as I'm writing this complaint, and Ally is saying they " may '' have rejected the check and mailed it back to me ( I've been waiting for over an hour while they try to find out for sure ). If they really have mailed the check back to me, my new lender would have to cancel their loan and I would have to reapply if I still want to refinance -- but because I now have that 30 day late payment on my credit report ( which would've been avoided had they processed the check during the time frame they said they would ), my credit has likely been so adversely impacted that I can no longer get the same interest rate I was promised before. Even if the check HASN'T been mailed and they DO end up processing it, this late payment will likely hurt my chances of being approved for a home loan now, like I am planning to do soon. It seems as though Ally keeps intentionally delaying the payoff so they can make a last-ditch effort to keep charging me as much interest as they can before I refinance, which I feel may even be illegal.
|
| 06/02/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Older American |
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I received a letter from Ally Bank dated XXXX. The letter stated that I have to pay {$2800.00} by XX/XX/2021. I can not pay {$2800.00}. I receive Social Security retirement income in the amount of {$800.00}. I can only make my car payments on the XXXX of each month, I get my social security check on the 3rd Wednesday of each month. I accumulated a lot of late fees because of the pay date set by Ally Bank which is the XXXX day of each month. When I was working a regular job and getting paid more money, the XXXX day of the month was fine because I was getting paid every two weeks. Now that I receive monthly income in the amount of {$800.00} it is very difficult. I conveyed my situation to the reps at Ally and asked for help, just like their letter and website suggested, but was told they could not help me because of my delinquency. I would like to either have the delinquent fees waived or placed on the end of my vehicle loan. I would also like to have my loan due date changed to the XXXX of each month.That would help me out a lot. I filed a complaint with the XXXX XXXX XXXX on XX/XX/2021 ( file ID # XXXX, but I have not received a satisfactory response. I received an email response from XXXX @ Ally Bank on XXXX. I did however speak with XXXX ( no last name given ) @ Ally Bank on XX/XX/2021. She stated she would look into my complaint I filed with the XXXX. She said that I am 16 payments behind minus the late fees and I owe $ XXXXHowever, when I go the their website to make a payment, my account shows that I owe 10 more payments. Still my concerns have not been addressed. I have since made my car payment on XX/XX/2021. XXXX with Ally Bank can be reached at XXXX XXXX XXXX XXXX Opt XXXX, Opt XXXX ext. XXXX. You can contact Ally Financial, Inc. @ XXXX, MI XXXX. Please help me.
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| 10/09/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
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Web |
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I had a XXXX XXXX XXXX leased through Ally Bank. No problems. A month or two ago I checked on the end-lease options on the website to see how much it would cost to buy-out the lease. The cost was approximately {$16000.00}. I debated for awhile if I wanted to buy out the lease, or if I wanted to trade in the vehicle on a new car. Eventually I decided to trade. I worked with XXXX XXXX ( XXXX XXXX ) to purchase a XXXX XXXX XXXX. They valued the XXXX at {$21000.00}, which I thought was great as it meant I would have equity in the new vehicle. Then I found out the payoff they got from Ally was a different amount than the amount I had gotten. The dealer was provided the residual value, which was {$22000.00}. This meant I went into my new car XXXX down, as opposed to with equity. I didn't realize this initially, which is on me. My complaint is that it is an unfair and deceptive practice for a customer to be quoted XXXX payoff amount, and a dealership to be quoted another. This means I now owe a lot more on my new vehicle than I would have if I had simply paid off the XXXX XXXX and then traded it in. I was never informed that taking those steps would save me money by the dealership, then again, they never saw the {$16000.00} that I was quoted, only the higher number. Ally Bank made money off of this deal that they shouldn't have, causing both myself and the dealership a loss of money. Mind you, a car dealership can stand to lose a few XXXX without the same pain as the average costumer. I don't think any financial institution should be allowed to quote different amounts for a customer and the business paying off a loan on behalf of a customer.
For research purposes, my XXXX is XXXX, and the account number for my loan with Ally was XXXX. Please delete these last lines if posting.
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| 07/19/2022 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Problem accessing account
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Web |
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Opened an Ally Account on XX/XX/XXXX. They initially blocked access to my account on XX/XX/XXXX - when calling them about the issue they asked invasive questions like " Why did you open this account? '' and told me that they restricted access because no money was deposited. I deposited a echeck on XX/XX/XXXX, which was subsequently cleared by the check issuer. I also wire transferred {$100000.00} in savings from my current bank to Ally on XX/XX/XXXX. On XX/XX/XXXX Ally let me know that the echeck funds would be available on the XXXX. I received a second notice that access to my account is restricted. I called them every day that week, and was told that I should be able to received access within XXXX business days, since it is standard procedure for the bank to restrict access at the first check deposit. I received very nasty comments from the loss prevention line with an accusatory tone from the supervisor, and was told that these is nothing I can do to expedite or learn more about my account restriction until the Fraud department contacts me. This is completely unfair and I've been in the dark about my savings. After XXXX business days I called again and received the same treatment. I was told that this process might not take longer than one month, but there are no guarantees, and no way to speak to a supervisor, Fraud department, or anyone that can either tell me more information or grant access to my account. The only way to learn anything is to call, and each call has led to the same stone wall. This is extremely poor business practice, and I am completely unable to make transactions from this bank ( it has now been XXXX weeks ) and they have the vast majority of my net worth. I requested of a copy of all verbal and electronic correspondence they have not granted it.
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| 05/19/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
Servicemember |
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I took out a auto loan with ally auto bank and since I been with them they been charging me high interest fees and when I called to have them explain the break down of my payments they could n't tell me how the interest was being calculated and more than half of what I pay was going to interest charges and nothing towards my car payment. I asked to speak to a manager a nd the agent refused to transfer me until she said they are not available and someone will contact me within 48-72 hours, which no one called me back. It went on to where I lost my job and was behind on my payment and I told them my situation and they did nothing to help me. They also repo my car without sending me a notice. I called them to find out how and where to get my car back and they did not know where my vehicle was. They gave me 2 wee ks to retrieve my car paying the full amount before they sell it at the action. I made that payment before the given date and when I called to go pick up my car they said they did not know where it was and gave me a number to call the action. I called the action and lucky they did have it already in another city an hour away from my house and ready to be sold. They made a key for it and everything and ally charged me {$300.00} for a key that did not work. Since that I try to contact ally everyday about the issues I have and I keep getting agents from outside the country that keep telling me a manager will call me back and they will put a note on the account and to this day I still have n't got to speak to a manager ne ither did anyone call me back. If I would have known that they were this bad as a company I would have never financed a vehicle with ally auto bank. I would just like to get my money back and return the vehicle because I feel like I am being robbed.
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| 03/25/2023 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Problem accessing account
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Web |
Servicemember |
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I have checking, savings, and investment accounts with Ally. On XX/XX/2023 Ally 's fraud detection system locked my accounts. I phoned Ally on XX/XX/2023 and was able to have a representative unlock my accounts.
On XX/XX/2023 my Ally accounts were once again locked. I phoned Ally and after several hours was able to determine that Ally 's fraud detection system relies partially on the time zone a user 's browser reports to some XXXX code. Many privacy protection features in browsers will randomize the time zone or simply always report it as XXXX, regardless of where the computer running the browser actually is.
This code told Ally 's fraud detection system that I logged in from XXXX, although there is other data available such as IP address that would contradict this. The representative I talked to was able to see the IP address recorded for the activity that locked my accounts : it is the IP address for my cable router at my home, a well known address to Ally 's systems since I log in from home very frequently. Somehow, Ally 's fraud detection system or their operation of their fraud detection system did not take this into account.
The representative told me that this exact problem happens very frequently, but by policy they are unable to unlock my accounts unless a fraud investigator approves it. Since it was Friday and the fraud investigator assigned to my case had already finished work for the week, I am left without access to my money until Monday XX/XX/2023 at the earliest.
The representative further told me that they thought ( but could not confirm ) that my accounts were unlocked the first time because a fraud investigator was immediately available, and that the accounts were locked again perhaps due to a mistake by the fraud investigation department.
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| 01/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I wrote a questionnaire to executives at Ally Financial once i noted a few false and misleading statements on the alleged loan agreement when my automobile was first purchased at XXXX XXXX using an initial promissory note which by way of my signature/autograph gave full faith and credit.
Ally Financial is in dishonor and is without a positive-performance-response for the following correspondences : - Certified Mail XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX.
- Certified Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
- Registered Mail RE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
- Certified Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX.
- Registered Mail RE XXXX XXXX XXXX XXXX XXXX XXXX XXXX Customer Relations.
On all the correspondences i specifically told the Executives i promise to pay the alleged debt and stay in honor yet i needed a few questions answered to achieve correctness and settle the matter for my court of records.
It has been six months now and there has yet to be any responses to my questions. All i received from a po box non contracting venue is photocopies of the credit transactions i have made on the alleged car loan.
I strongly believe that Ally Financial is hiding and/or can not provide any of the following details : 1. The origins of account number where the funds originated to purchase the car.
2. Who is the original creditor.
3. If the account has been securitised.
4. A true and certified copy, NOT photocopy of the original note under penalty of perjury with unlimited liability and confirm that this note has never been sold.
I have stayed in honor by adding credits to this account as this matter is solved.
I need full closure of this matter no later than 21 days.
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| 04/25/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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When I originally purchased the vehicle in XXXX the car dealership charged me for an additional XXXX insurance policy which I did not request. After noticing the charge on my bill of sale, I contacted the dealership and the dealership refunded the amount which was approximately {$3000.00}. The refund was sent to Ally who should have subtracted the {$3000.00} from the original financed amount and re-calculated the interest fees pursuant to a loan for approximately {$3000.00} less.
The dealership did not send me a refund for {$3000.00}. Instead they sent the approximately {$3000.00} to Ally who, at that time applied the entire approximately {$3000.00} to the interest fees that were already established on the account and told me that I did not have to make a payment until XXXX of XXXX.
Now that my car has been totaled, the insurance has paid the car off ; Gap is refusing to pay because Gap is stipulating that Ally owes me approximately {$6000.00}. Ally is stipulating that I still owe a remaining balance of {$2300.00}. This issue would be resolved if in XXXX of XXXX, Ally would have put the approximately {$3000.00} refund toward the principal balance and subtracted unnecessary interest fees due to the smaller necessary amount requiring financing. I would like Ally to recalculate the interest fees that were erroneous and should have been recalculated at the time the lump sum payment was issued ; and/or certify that the approximately {$3000.00} should have been utilized and subtracted from the principal balance as opposed to the interest fee balance ; because it is obvious that the approximately {$3000.00} was applied to interest fees entirely in error. The car has been paid off and Ally is still claiming that I have an outstanding balance due to Ally 's error in XXXX.
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| 09/26/2023 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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Web |
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I noticed an unauthorized XXXX contact addition ( XXXX XXXX, phone number : XXXX ) and subsequent unauthorized XXXX payment to that contact in the amount of {$50.00} on XXXX XX/XX/XXXX at XXXX. At this time I was at work with my phone in a locker. I could not have done this. I called Ally bank the next day and alerted them of this so they could secure my account. Representatives confirmed that the addition of this XXXX XXXX to my XXXX contact list was weird because the person also attempted to change my account information ( phone number and email ) to theirs ( XXXX ). Per the representative, the money was sent to a XXXX XXXX account ending in XXXX. My account was locked so Ally could investigate. I called to regain access to my account and no information was given to me. Representative XXXX called to get more information from me, but could not tell me when I would regain access to my account. She said it may take some time. I called the next day to confirm that XXXX was an Ally representative, and they said yes. This new representative now told me that my account was being closed. She said XXXX told me this the week prior. This was inaccurate. At this point, my salary was still being submitted to that account. I attempted many times to reach Ally 's Fraud department again, and I was left on hold for hours, only for the call to end with a fax dial tone each time. I called again on XX/XX/XXXX and spoke to XXXX who connected me with his team lead XXXX. XXXX confirmed she got the Disputes Department to close, and my case is now being sent for review to the fraud department. It's been nearly 1 month, and my rent is due as is that of my joint account holders. Would be nice to not get evicted because I did the right thing in reporting a fraudulent activity on my account.
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| 03/04/2022 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
Servicemember |
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I requested a wire transfer. Ally then locked my account for no reason. I called numerous times and I have provided all information that Ally told me to send them. I have asked to speak to a supervisor and I had to leave a message and after calling the fraud department again they told me it would be a few days before a supervisor returned my call. I asked the rep XXXX what Ally 's address is and he told me to go look it up in XXXX. I did XXXX it and Ally has numerous Address 's so which one to contact is difficult to determine. Most of the customer service reps have been unhelpful. Even though Ally claims they are available 24/7 that is not the case. I have called in the middle of the night and I am told to make a selection and it does not allow me to. Ally 's customer service has has dropped into the gutter. You can only contact their fraud dept from XXXX XXXX to XXXX and then they request proof of life and all sorts of personal identification which I have previously provided them when I opened my accounts and my accounts are still locked. I only found out my accounts were locked by accident. Ally sent emails but they should have called me. The emails said I had to call and verify some information which I did now Ally takes their time verifying the info I sent and my accounts are still locked. I have been a customer of Ally for at least 10 years and once I sent the information they requested they should have unlocked my accounts. Does Ally have this much supposed fraud going on that it takes them days to verify my info. Something is wrong with Ally to have this much fraud taking place when a long time customer like myself is suddenly lcoked out of my accounts and then Ally will not resolve the situation in a timely manner and then not able to contact a supervisor.
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| 10/15/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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On XX/XX/XXXX, I called Ally Financial and requested a 60 day extension as I am having a financial hardship. The extension was granted and paperwork was sent for me to sign and send back by XX/XX/XXXX ( 10 days from date notice was sent. The representative also placed in a request for the fees to be waived. There was also a payment made as agreed on XX/XX/XXXX for {$370.00} that covered the extension agreement payments for {$220.00} due XX/XX/XXXX and a payment of XXXX due XX/XX/XXXX. The notice was faxed on XX/XX/XXXX at XXXX XXXX and confirmation of receipt was received immediately. As of XX/XX/XXXX, I am beginning to receive notices that I owe {$440.00}. When I called on XX/XX/XXXX, I spoke with 2 representatives and a supervisor. The first representative could not comprehend anything I was saying and refused to let me speak to a supervisor after I asked 4 times. I then requested to speak to someone in the United States. That representative, XXXX XXXX, read over the account and connected me to a supervisor named XXXX. XXXX was condescending and refused to even acknowledge that I did my part for sending the information and told me I had to go back through the process. I explained to her that I currently am not in a position to request another extension as I did so to be proactive. I offered to send her proof that they lost my documents and that the fax was received, she advised me no. I had to call back to speak with another representative named XXXX, who actually listened to my situation and complaint. She couldn't make any promises that they would take action as they lost my documents but to fax her over the confirmation from when I previously sent the information on XX/XX/XXXX. I have attached proof that the fax was sent to the correct fax number and received.
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| 12/30/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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On XXXX XXXX I received an email from Ally stating a transaction has been declined due to insufficient funds. The transaction was for {$2700.00} and the only vendor information given was XXXX. I did not recognize the transaction, the amount, or the vendor and therefore immediately called the bank to instruct them that the transaction was fraudulent, should be blocked if it reoccurs, and that we should take proactive steps to ensure that the integrity of my account information hasnt been compromised. When speaking with the company they confirmed that there was no record of the attempted transaction, the subsequent decline, or the email communication sent to me thus leading me to the only rational conclusion that the email was fraudulent and that no such attempted transaction has occurred considering neither I nor the bank recognized the transaction. No action was taken by the bank to further protect my account or funds. On XXXX XXXX, I received an additional email and has the exact same experience when speaking with the bank. On XXXX XXXX I checked my account and saw that the exact amount of funds had in fact been withdrawn from my account via ACH. The banks failure to assist me with my two previous request resulted in the loss of funds from my account. This couldve been prevented if the banks customer service representatives had been able view the declined transaction the two previous times it was attempted and had assisted me as requested by either blocking any future similar attempts or changing my account number/debit card number to one that was no longer compromised. This loss of funds from my account at month end caused me to be unable to pay my mortgage and credit card bills this resulting in monetary penalties and fees as well as severe emotional distress.
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| 07/28/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
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I have not had access to my bank account for XXXX weeks. On XXXX, I attempted to log into my account from a new phone. My old phone was not working. The bank needed to text me a code to authenticate my account. But the screen is broken so I wasn't able to get the code. I then attempted to reset my password but was locked out. I called Ally bank which took an hour to speak to someone. She reset my password and started to provide me the temp password to log in but after the first letter, the call disconnected. I waited for around 10 minutes thinking she would call me back. She did not. So I called again and this time the wait was almost XXXX hours. I asked this new person to call me if the line disconnects since I've spent over XXXX hours just trying to reset my password. She then tells me that she is not able to and if I disconnect I need to call back. I asked for a supervisor but she was not able to get XXXX for over XXXX minutes. She then attempted to reset my password and I still couldn't log in. She then transferred me to tech support who said the issue was probably due to their nightly update but he could fix it. After XXXX : min he could not fix it. He stated he would open a trouble ticket and I would receive a call on Friday XXXX. No one has called. I attempted to call several times but could not wait the long hold time of over an hour. I called Saturday and reached some after XXXX min. He looked at my account and said I'm still locked out. He then acknowledges This is a known issue and there's nothing else that can be done. This makes no sense that a bank could lock me out of my account for XXXX weeks with no estimates on when this will be fixed. I have bills to pay and I can't keep spending several hours a day to wait on hold for someone to get this fixed.
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| 10/06/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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I recently got married and underwent a name change. I had contacted the company various times to change important info on the account ... because I had change my name and info with the bank I was paying my car loan through. The service department gave me a number to call and it rerouted me to the same department where I got the same answers. I was a victim of identity theft so because I had change my name the bank would not allow automatic payments to process as a safety measure. As I contacted Ally Financial several times I was refused information pertinent to my account. At this time I was high risk. The company stated I needed to fax over documents. I asked if I could upload it to the app so they can update the info onto my account. They refused, after months of failed attempts and failed automatic payments I uploaded it to the account anyway and the info was changed. I offered to get on a payment plan to catch up with payments, the company refused even though it was there fault. My lawyer tried to reach out several times to their legal dept to no avail. My husband and I were in two separate locations at the time and I was waiting for my lease to be up XX/XX/2023. I went to stay with my husband to await the birth of our daughter. They attempted to repossess the car on 3 separate occasions without any cert mail applicable by PA State Law. I offer to pay via phone with debit card instead of ACH and the refused the payment. Ally Financial stated I had to pay via XXXX XXXX or XXXX XXXX. I expressed that in the contract it did not state this method of payment. I requested that the fees associated with be applied to the balance, they company refused. I expressed again that the only way I would pay the balance would be with debit or ACH the company refused payment.
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| 07/22/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
Servicemember |
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Vehicle was deemed a Lemon under NJ statutes, I was told I did not have to pay for the vehicle while under attorney protection. Ally continued to call & harass myself and my father, while attempting to repossess the vehicle.
Ultimately, the vehicle was totaled in a crash. Now, trying to get in touch with someone at Ally has been an absolute joke. HOURS wasted on the phone, on hold, the wrong people transferring calls, payments misdirected, absolutely abysmal.
The astronomical amount of XXXX and laziness shown by these people have prevented me from closing on a house. Because I need this matter to be cleared, myself, my father, and my insurance company have been trying non-stop to get someone with half a brain to get moving on this.
There have been MAJOR issues with Ally and the handling of this. Their Total loss department was contacted by my insurance company on XX/XX/2020 to initiate the loss. It wasn't until two weeks later my insurance company called them to find the status and they didn't even begin the process!! The Gap insurance company has NOTHING from Ally and I had to open the claim myself ( which is Ally 's responsibility ) just to find out Ally has done NOTHING as well for the Gap payoff amount.
My father took the initiative to pay off the payments that were in question ( in order to show the account is in good standing to allow the house lender to close ) and they screwed up where the payment went!! Now, their XXXX caused another delay which is preventing the close on the house.
Their customer service staff is completely useless in every way and now I will be without a home as I need to be out by XX/XX/XXXX, and the closing was supposed to be a week ago.
If I can not get into my new house by Friday the XXXX I will unleash a lawsuit on them.
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| 06/29/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
Servicemember |
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XXXX XXXX XXXX sold me a 2012 XXXX XXXX on XX/XX/XXXX.
While my husband was serving XXXX XXXX orders driving to XXXX XXXX, Georgia the engine blew on XX/XX/XXXX.
The car made a loud knocking noise while driving approximately 30mph, the car then started to smoke under the hood. He pulled over and noticed oil spilling out from underneath the car. He tried to start the car back up to see where the knocking sound was coming from, but was unable to get it to start.
I was able to have the vehicle towed on the military base the following day through my insurance company to a auto shop. The mechanic checked the vehicle and said the engine threw the connecting rod and caused a hole in the engine, stating I needed to replace the engine.
After calling auto shops around that area to see who can replace the engine my husband was told it would cost $ XXXX.
We also looked into having the car towed back so I could have it fixed in Texas instead, but the cost for towing is {$820.00}.
On XX/XX/XXXX I called the dealership to see what they could do about the car and was told they could do a trade in as is, but I would have the remaining balance ( {$10000.00} ) transferred over to the new vehicle. That would leave me with a substantially higher monthly payment, that is impossible for us to afford.
The dealership advised me to contact XXXX XXXX, the company I had warranty under. Unfortunately I no longer had coverage due to mileage being over XXXX.
I contacted Ally financial to see if they could be of any assistance with this situation, but was told they wouldnt be able to help and I needed to contact the dealership.
I have done some research regarding XXXX XXXX XXXX and I noticed a high volume of people experienced the same exact problem and/or other engine problems.
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| 10/04/2022 |
Yes |
- Debt collection
- Auto debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I unfortunately lost my job in XXXX, but was able to continue making my lease payments for a few months. After not being able to find a job, I contacted Ally Financial in XXXX and requested a 2 month extension. The representative I spoke with agreed and said he'd made the adjustment and put notes on the account. My payment was due on XX/XX/XXXX, it's now XX/XX/XXXX and I found out no extension was ever placed on my account and my account is delinquent with a late charge.
I called back and spoke to a collection representative who stated they were able to see no notes about my previous discussion. She then stated she could offer me the 2 month extension, which I gladly accepted. However she then back tracked saying I'd have to make a partial payment ( which was actually a full payment ) in the next 10 days for me to be able to get the 2 month extension because the account was 17 days past due.
I tried to explain again that I had called previously before it went delinquent, the way she spoke it made it seem like she was trying to get me to make a payment to hit her " bonus monthly goals '' rather than to actually try to help with the 2 month extension.
She then tried to threaten me by saying she was removing the 2 month extension if I didn't want to pay. She then went on to say I requested her to cancel the 2 month extension which I never did. All in all was a very frustrating conversation on top of an already frustrating situation when I'm out of work.
We never got the problem resolved as we were going around in circles and eventually I had to disconnect the call.
Also the car is worth more than I owe, however Ally will not allow me to sell the vehicle to any third party without increasing the amount owed from what he actual payoff is, is this even allowed?
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| 04/27/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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On XX/XX/XXXX, I received an alert from my credit card where I am signed up for a credit monitoring service that said I had a hard inquiry on my credit report from Ally Financial and it says it was in reference to a new account. I called them on the XXXX to see why they had made an inquiry on my credit for a new account since I did not open any new savings accounts with Ally Financial and I bought my car on XX/XX/XXXX which coincides with my new account with Ally Auto since I have my car loan with them. Prior to me buying a car they have never made a hard inquiry on my report since I only have savings accounts so I was confused. I called Ally to ask them why this was the case and they stated that it was my dealership, XXXX XXXX XXXX, that made the inquiry on my account since Ally only buys loans. So I called my dealership and they said that no they did not make this inquiry since I bought my car in XXXX and they only keep my finance data for a short period of time. Additionally, if someone would have came in the dealership using my social security number it would have been flagged. So I called Ally back and relayed this to them and they still could not give me an answer. I asked them if they kept a record of who submits inquiries to them about buying a car loan and one person told me no but then another person told me yes and sent me to the credit part of the company but no one answered my calls. Additionally, I was refunded {$500.00} from the dealership because I cancelled a service I bought with my car and they sent a check back to Ally and the check has cleared but Ally has no record of it. I have email correspondence and can show phone record proof of my multiple calls to Ally. I am so frustrated because they will not give me an answer on these two issues.
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| 11/28/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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On XX/XX/XXXX I bought a car at XXXX XXXX Dealer, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX With VIN : XXXX, finance by Ally Financial for the amount {$30000.00} for a period of XXXX months payment {$52000.00} per month. Unfortunately, The car is defective. The car suffered from a hidden defect was discovered the next day XX/XX/XXXX. I quickly noticed the failure. I am disappointed because after running on Highway at XXXX XXXX, I received a noice Bing bing bing. theres something rubbing inside the steering wheel that spreads all the way the wheel whe I am running on Highway. To resolve the problem, I returned at XXXX XXXX XXXX on Sunday XX/XX/XXXX. I would like for you to replace the car with a new one thats not defective.I negotiated for another car but the dealer refused. The dealer told me to go to a XXXX XXXX House to fix the problem. On Monday XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX XXXX Ones given to me an appointment in a month. I called the dealer on phone to tell them the appointment is for XXXX month. I look forward to your reply and a resolution to my problem, and will wait until XX/XX/XXXX, XXXX car was returned to the XXXX on XX/XX/XXXX, the dealer refused to return the plate to XXXX. I canceled the insurance ( XXXX ) and I called Ally Financial to make aware the car has been returned. In a letter dated XX/XX/XXXX, Ally Financial has the vehicle. The car has been sold on XX/XX/XXXX by Ally Financial. In my credit report Ally Financial reported balance {$310000.00}. I am writing to complaint for XXXX car dealer and Ally Financial for the wrongs they caused me.
I sent you all documents that the request will be processed.
Your immediately attention to this matter is appreciated.
Sincerely XXXX XXXX XXXXXXXX
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| 08/16/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On XX/XX/06, I contacted Ally Bank as I was having issues with withdrawing cash from my debit card using an ATM while on travel to XXXX. After waiting for a customer service representative for OVER AN HOUR, I was told that there was a fraud block on my account and that lifting that block would allow me to use that card. Ok, no problem. I wasn't able to test it while with the agent as I was near physically near an ATM, so I took her for her word. When I tried withdrawing cash from an ATM at XXXX XXXX, a cash only merchant, I was unable to withdraw funds. Great. I call the next day and again the wait time to get a customer service agent is over an hour. This one tells me that the issue is related to too many failed attempts instead of just the initial fraud block and informs me that everything has been resolved. Again, not near an ATM, so unable to validate the agent 's word unfortunately. At night, I try to withdraw cash from an ATM and as expected, still doesn't work. I try for a third time, and again wait for OVER AN HOUR to get an agent on the line and this time the agent tells me that she'll have to transfer me to another agent without giving me a reason as to why and I'm placed back in the wait queue for an hour. Absolutely ridiculous. Not to mention that the other times where I've waited and finally connected, the call ends abruptly. I suspect that agents are taking the call and purposely ending it to clear their backlog. This is the most ridiculous customer service experience I've had with any financial institution and it's ludicrous that I'm unable to withdraw money from my checking account when I want/ need to. Ally Bank needs to ramp up staffing for their call centers and provide adequate training for their representatives to resolve banking issues.
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| 07/29/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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My title company sent check 1 on XX/XX/XXXX when I signed on my house on XX/XX/XXXX. Part of my agreement was that I had to pay off my car with the money I made from my house. When I called XX/XX/XXXX to check the status because I was reported past due. I was told on the phone that they had issues with mail.
My title company stopped payment on check 1 and reissued and sent check 2.this was notated on my account. I received a paid in full letter XXXX. Check 2 was reported to have been Cashed XX/XX/XXXX. I went to check on my Gap check and was told it would be 60 days. I went to check on it XX/XX/XXXX and my account was passed due. I contacted them they told me that my check was returned and that it had accrued fees. I have attempted since to talk to some one and have been told that I need to talk to my bank. I discussed this with the title company. Ally told me that if I could send proof of the check then it could be fixed. I sent them this information. I had to contact them again. They said that they didnt have enough information and they rejected the check. That this was returned and I had received more fees. I was told numerous times that I was wrong then I was told that it was just not applied to my account and to give them 1-2 business days to fix it. I contacted them again today and they started the whole thing over again saying that I was late. I needed to pay. That the check was returned. I needed to talk to the bank. I was then told I would receive a call in the next two days while they are processing my case. I have been give concern case numbers and told to call if this is not resolved. When I call I am told it from the beginning. I have to have the same fight each time I contact them. I also need to receive my lien on my car and receive my title.
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| 05/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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To Whom It May Concern, I am writing to file a complaint against Ally Financial for violating the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information to credit bureaus. Specifically, Ally Financial has been reporting inaccurate payment history and amount owed on my account, which has had a significant negative impact on my credit score and financial standing.
Despite numerous attempts to rectify these issues with Ally Financial directly, I have not been able to obtain a satisfactory resolution. Furthermore, these inaccuracies have resulted in Ally Financial reporting misleading information to credit bureaus, in violation of my rights under the FCRA.
As a result of Ally Financial 's inaccurate reporting, my credit score has suffered a significant drop of XXXX points on three separate occasions in the past 90 days. This has caused me undue stress and financial hardship, as it has made it difficult for me to obtain credit and other financial services.
Under the FCRA, Ally Financial is required to provide accurate information to credit reporting agencies, including payment history and amount owed. Furthermore, if Ally Financial becomes aware that any information it has provided to a credit reporting agency is not accurate, it is required to promptly notify the agency and provide corrected information.
Therefore, I am requesting that Ally Financial be held accountable for its violations of the FCRA and that any inaccurate information be removed from my credit report. Additionally, I am requesting that Ally Financial be required to pay {$100000.00} damages for harm that has been caused to my credit score and financial standing.
Thank you for your attention to this matter. I look forward to hearing from you soon.
Sincerely, XXXX XXXX
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| 01/30/2023 |
Yes |
- Debt collection
- Auto debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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For the past few months, a number claiming to be Ally Financial has called me non-stop, several times a day. I tried to block them and silence unknown calls, but then I received a text from my cousin claiming that her and her parents were receiving them as well. Whats interesting, is when calling them, the collectors claimed to be for medical debts ( despite that if you tried calling them back, the automated message is for Ally Financial ).
While telling a neighbor about it, she received a call from them as well, asking for me. My neighbor was not in my contacts list at the time.
The next day, three more family members called to let me know the same thing was happening to them.
When I called Allys customer service line, they neither confirmed nor deny their connections to the collectors, only that they were sorry.
Several days ago, after a phone call with the CFPB, I answered one of the phone calls and asked for a professional license number. The man I spoke to ( XXXX ) claimed that they were outsourced from XXXX and the best he could give me was a VID (? ) XXXX and that the number to call him back on was XXXX.
After that, there were several times I answered and instantly asked How are you getting my familys numbers? Only for the caller to hang up on me.
This morning, I let them speak for a moment before asking the same question. They denied, saying my number was the only one they had on file, and I told them I have angry family members who say otherwise. I told them I wasnt sure how things worked in XXXX, but in XXXX, this behavior is classified as harassment. Interestingly, the caller claimed they were not in XXXX, though I did not let him speak long enough to find out more information.
The numbers theyve been calling on are XXXX as well as XXXX
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| 04/02/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
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Ally financial has failed to report any information in regards to my payment status since XX/XX/2019. I was in a car accident on XX/XX/XXXX, totaling out my car and my insurance company paid the full remaining balance until XX/XX/XXXX. On XX/XX/XXXX, I called to get an update as their website stated that the payment was still showing as processing, and the representative stated that they received full payment and are waiting for the mvd to release my title but my credit report will update in the beginning of XXXX, showing as paid. I called again on XX/XX/XXXX and was told by the representative that on XX/XX/XXXX, The representative put in a request for my credit status update to be reviewed and it will take an additional 30-45 business days to update. The call was then escalated and a supervisor stated he put in an email to have this information expedited and should hear something within a few days. Today, XX/XX/XXXX, I noticed that my account has been closed and I called to get an update to verify when my account will reflect accurately on my credit report and was told that from the call on XX/XX/XXXX it would take 30-45 business days. I then escalate the call 3 more times and get another supervisor who states they will email and call me back.
I have been with this auto company for almost 5 years and have maintained my auto loan until it was paid in full in XXXX. Ally has not updated their credit reporting information for my account since XX/XX/2019 ( showing delinquent ) which is currently preventing me from getting a new vehicle. I have called multiple times due to this inaccuracy putting a damper on my ability to move forward and get a new vehicle and am requesting assistance for them to update their information accurately so that I may move forward.
|
| 03/16/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Problem making or receiving payments
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|
Web |
Older American |
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I have had an Ally Bank Online Savings Account since XXXX. On XX/XX/XXXX I received email from Ally offering a 1 % interest bonus, up to {$500.00} max, for depositing new money into an account and keeping it there thru XX/XX/XXXX. The bonus would be deposited into my account by XX/XX/XXXX. It also mentioned to Be sure to use the email address associated with the Ally Bank Account you plan on transferring new money to.
I enrolled on XX/XX/XXXX and received an email to my savings account associated email - confirming my successful enrollment. I deposited {$50000.00} and received an email from Ally on XX/XX/XXXX on the successful transfer of the {$50000.00} into my account. I kept the funds in the account thru XX/XX/XXXX.
Noticing that the 1 % bonus ( {$500.00} ) had not been credited to my account I called Ally bank on XX/XX/XXXX to inquire on the timeframe for receiving the cash bonus. The only thing we could discern is that perhaps the glitch was that in XXXX I changed the email associated with the account to my gmail email, to simplify my life. I was told that that would not have affected the criteria and that the matter would be escalated to the back room for resolution.
I called again on XX/XX/XXXX and was told that it was still being processed and that it typically would take 7-10 business days. It is now XX/XX/XXXX, over 1 month since it should have been deposited, and 15 business days since I first called Ally and still nothing. I have clearly met all of Allys eligibility requirements outlined in the offer and am due the {$500.00} bonus.
Note : On XX/XX/XXXX I first sent this complaint to the FDIC. I received an email this afternoon that they were forwarding to you for resolution, so this is an updated copy of the one sent to you by the FDIC.
|
| 02/16/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
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Web |
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I sent Ally Auto Loan Department a Promissory Note, in accordance with the Uniform Commercial Code, as a Security Negotiable Instrument, Legal Tender by Law, to pay off the remaining amount that was left on our truck loan, to receive our truck title. The Legal Tender was sent XXXX express mail, and received by Ally on XX/XX/2017, and signed for by XXXX. Ally Bank has not bothered to respond to the Promissory Note that I have sent them, which is asset for a Bank, I had to call them, and they refused to apply it to pay off our debt. I specifically stated in a legal notice, that I sent them along with the Promissory Note ; that if they refuse my Promissory Note, to send it back with a written explanation as to why Ally is exempt from Legislation. Ally did not respond, nor apply my Legal Tender to pay off our debt, and they kept my Legal Tender, which is asset for them, that can easily be monetized by them. The UCC states, that if Legal Tender is refused, then there is discharge of the debt, and the Federal US court appeals ruled on Title 31 USC 5118 ; that the requirement to repay a debt in the form of coin or currency or legal tender is against Public Policy, since money, as in the Federal Reserve Notes that we use as money ; means a promise to pay, or owe according to the Banking dictionary XXXX addition ; and that a repayment for a debt only needs to be made in equivalent kind ; a Negotiable Instrument, which is a Promissory Note. As a Private Banker, in accordance with the XXXX Law Dictionary, I have a right to use a Promissory Note with the Banks to pay off a debt! I recently sent them another Promissory Note, that they received on XX/XX/2017, to see what type of response I would receive, but the fact remains, they should have responded to my first Note!
|
| 01/31/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
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My sister in law lease a XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX , XXXX. I was her co-signer and we signed the contract at XXXX XXXX XXXX. When the lease ended she decided to purchase the vehicle and went to XXXX XXXX XXXX where on XX/XX/2018 she signed by herself ( I was not needed as a co-signer ) the sale contract ( attached ). My sister in law received a letter from XXXX XXXX/Ally dated XX/XX/XXXX congratulating her for the purchase of the vehicle and giving instructions on how to create an online login to manage her account and make payments. She did so and made the payment. XXXX XXXX XXXX XXXX XXXX has been reporting the lease account ( of the same car which has been purchase ) as opened and with payments delinquent. I contacted them explained that the car had been purchased on XX/XX/2018 and that it was financed by XXXX XXXX/Ally and asked them to contact that department since it was XXXX. They told me that XXXX XXXX and XXXX XXXX XXXX XXXX XXXX are not the same company and are not related. They also told me that I had to contact XXXX XXXX/Ally and ask them to send the payoff or verify if they had possibly sent it with the wrong information which would explain the delay. I called XXXX XXXX Ally and they said that the payoff check was sent to XXXX XXXX XXXX. This confusion between these 3 companies has been damaging my credit and my sister in laws credit. Incorrect derogatory information has been reported and I feel disrespected and helpless as a consumer. A sales contract was signed ; a down payment check was cashed by XXXX XXXX XXXX ; the first payment has been made to XXXX XXXX/Ally ( account is current ) and yet XXXX XXXX XXXX XXXX XXXX is reporting the lease of the same vehicle as delinquent. Please help us resolve this very serious issue.
|
| 06/20/2018 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
My auto loan through Ally Financial was paid numerous times but the company always called trying to collect late fees 2 days after the bill was paid up to date a fee of {$32.00} and then WANTED AN ADDITIONAL {$32.00} LATE FEE BOTH ON THE SAME DAY. tHERE WERE TIMES WHEN i PAID THE LOAN AMOUT AND PAID ADDDITIONAL MONIES BUT 2 DAYS LATER RECEIVED A LETTER STATING THAT A LATE FEE OF {$21.00} was still due. This went on the entire time for the loan. Mostly it was phone calls requesting {$32.00} late fees after the bill was paid up to date two days prior but I did finally receive a notice two days after it was paid requesting additional late fees. I have documented proof of both, additionally these letters and phone calls were generated a few days after the bill was paid. The car was repossed and I tried to pay one payment which Ally would not accept. I feel that I was a victim to a SIMILIAR CASE THAT INVOLVED A MAN NAMED XXXX, WHICH i SAW ON XXXX. wHILE THERE IS PROBABLY NOT TIME TO SAVE MY VEHCLE XXXX XXXX vin # XXXX, XXXX title # XXXX, lein held by ALLY Financial XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX. Debt was collected from PO boxes in XXXX, XXXX. I am sharing my stories so that you can prevent other consumers from experiencing fraudulent activity from ALLY Financial. I have documentation that could not be scanned at my local library but will and send in addition. But Ally also has copies that were sent to me, if they are being honest. I will file other complaints and forward documentation to you with the file.I prefer correspondence in writing and duplicates sent via email, I have had numerous problems with my XXXX account and emails disappearing or not sent to my inbox, another complaint for another time. Thank you in advance for your time and attention.
|
| 08/13/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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Web |
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I as the original creditor, the banks did not give me any notice that i can rescind or let me know we have the option to not let them report this on my credit report neither. 15 usc 6802 ( a ) opt out general a b & c. By law, insurance supposed to be included in all mortgages and car loans, 15 usc 1605 ( a ) # 5. Its against the law for banks to lend its credits anyway. Farmers & miners bank v. Bluefield Nat 'l bank 11 f 2d 83, 271 us 669. Their are many more violations. The banks have been getting away with it far too long now & they think we the consumers wont catch up with their financial fraud schemes. It's called promissory fraud. There is no money : read hJr 192. Every bill you get comes in a positive. They owe you when its in a negative. Everything is already paid for before you even signed anything. What they doing is illegal under art 1, sec 10, par 1 of the constitution. Their fraud makes the signature agreement null & void period. Fraud trumps any contract. And where is the banks signature?
i never got the two copies of the rights i have so this is fraud. i am contacting the bank and gathering evidence for possible litigation.
12 CFR 226.15 - Right of rescission. i after sending you notice of Rescission will discontinue to make payments of the car. if this car is not removed from my credit report i will seek remedy for damages. i never gave Permissible purposes 15 U.S. Code 1681b - Permissible purposes of consumer reports to disclose any of this information on my credit report. there are many violations.
i will be sending formal letters certified mail. i have a friend that works at the mayors office i will be contacting them to record a deed, also the attorney general 's office.
CC : CFPB CC : FTC CC : ATTORNEY GENERAL OFFICE CC : XXXX
|
| 04/24/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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In XXXX XXXX , the co-owner of the car loan called me to tell me the vehicle was being repossessed. The co-owner stated he filed bankruptcy and he and his lawyer sent in a letter to the loan company turning over the vehicle. I was the primary on the loan and the one making the payments. I went to make XXXX XXXX payment online and I was not allowed into the account. I then called the company to find out why. I was told at that time they had received the letter from the co-owners lawyer turning over the car. At this point I had not received any information about this from the loan company. Not through mail nor through a phone call. After that time, I was not allowed into the account to make payments. I was told they were going to pick up the car. My credit report shows XXXX XXXX 30 days late, XXXX XXXX 60 days late, XXXX XXXX 90 days late, XXXX XXXX 120 days late, XXXX XXXX ok, and then XXXX XXXX FP - If I was unable to get into the account and make a payment, how can I have all of these late payments and non payments on my account? The car sat from XXXX XXXX XXXX before it was picked up. Even though in XXXX XXXX I was told that the vehicle was going to be repossessed, no one picked up the vehicle till XXXX XXXX . And then they want to show on my credit that I was late for 6 months. Also, if the co-owner and his lawyer sent in a letter turning over the vehicle without my knowledge, how can this effect my credit? I was not notified by the co-owner nor was I notified by the loan company. On my credit report, XXXX companies are showing a balance with this loan company at {$9300.00} and another XXXX showing a balance of {$35000.00} - How can there be such a significant difference in the balances of the same loan?
|
| 04/06/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
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On XX/XX/XXXX I received notice that a delinquency was reported to XXXX on my auto loan. I purchased a vehicle on XX/XX/XXXX, it was financed through Ally Financial at the dealership. I later refinanced with my bank XXXX XXXX XXXX. Multiple times since refinancing I received letters from XXXX stating that they had not yet received the title and I was at risk of default. The first two times I called and explained it was a refinance and they should receive the title from Ally and I was told to ignore the letter. The third time they looked into it and discovered that the payoff to Ally was {$10.00} short so they wrote a {$10.00} check to Ally to settle the account. The next thing I heard was the delinquency report on XX/XX/XXXX stating that the account was 60 days past due with a {$10.00} balance. I immediately filed a dispute with XXXX and then called XXXX. We ended up on a three way call with Ally where it was discovered that Ally processed the payoff incorrectly and was trying to claim that I still owed a car payment, which was not the case. By the end of the call, Ally essentially admitted fault and cleared the account. They also stated that they would remove the incorrect report to XXXX. When I got my results from XXXX they stated that the delinquency was verified to be accurate. They did show that the account has since been settled but they still did not put my credit score back to where it was because of the incorrect report.
I am also including XXXX in this complaint because I called three times and they did not look into it at all until the third call. This could have been avoided if they would have taken care of it the first time I called. In addition they were the ones who wrote the initial check in the wrong amount, causing the entire issue.
|
| 12/01/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I had more than enough money in my Ally bank account, and I made a purchase for about {$4300.00}. I believe it was on XX/XX/XXXX, or possibly XXXX, but can't know for sure because I have been completely blocked from signing in and accessing my account.
Then a day later, Ally bank told me that I overdrafted my account by {$4300.00}, which I don't even understand how is possible, because normally, if I try to make a purchase that large and don't have the money in my checking account, the purchase would be declined. I also have a screenshot of the available amount of money that was in my account when I made the purchase.
Now the bank has locked both my checking and savings account indefinitely, will not give me access to any of my money, and will not give me a time frame as to when it will be resolved. They just keep sending me emails telling me that I overdrafted and that I owe them the money and that they will file a report with various credit bureaus if I don't pay. I called to ask them about this and they just said to ignore it, as it was an automated email.
I told the bank that the vendor must have charged me twice, and that I'd like to dispute it, which they agreed to, but they still have my account locked. It's now been 3 days, and I have no acces to my new deposits or my funds that were already in my account. My credit card payments have already started to be rejected because they can not take money from my frozen Ally bank account.
In the past, when I have disputed a transaction with different banks, the transaction is immediately reversed and I am credited with the amount while the investigation is conducted.
But this time, Ally just locked me out of all of my accounts, and I have no access to my money while I am currently overseas.
|
| 02/16/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
This complaint regards an online savings account I held with Ally Bank.
In XXXXXXXX XXXX XXXXXXXX, I received notice from Ally Bank that they had decided to close my savings account, without stating a reason for the decision. I do not dispute that they were within their rights to do so.
On XXXX XXXX XXXX, I received notice from Ally Bank via email that a 1099-INT had been generated for tax year XXXX for interest accrued on my now-closed savings account ( see attached screenshot ). A link was provided in the email to log into my online account to view the 1099 document.
Upon attempting to log in, I discovered that Ally had blocked access to the online profile for my closed account ( see attached screenshot ), rendering me unable to view my tax document, which will be necessary before I can file my taxes for XXXX.
On XX/XX/XXXX, I placed a phone call to Ally Bank customer service explaining the situation. I was told that they would not be able to restore access to my online banking so I could review my tax document online. I was ultimately given a case number ( # XXXX ), and told to wait for a call-back from their " back office '' to discuss my case. I also verified my physical address for them during this call, so I do not know why they are unable to simply mail me a physical copy of the 1099.
9 business days after that interaction with customer service, I have not received any further communication from them, nor do I have the time to wait on hold for another hour to speak with a representative on the phone, just to be given a runaround again.
As Ally Bank has no listed email for customer service correspondence, nor any way to access live online chat without online banking access, I feel this is my only reasonable avenue for a resolution.
|
| 08/16/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
After setting up a new account with XXXX XXXX, I attempted to connect it for external transfers to my account with Ally Bank as well as two other banking institutions. This should be an easy, straightforward process and for the two other banks it was. However, Ally Bank has instead stolen from me and is holding the funds taken without authorization hostage because they are unwilling to see reason. Facts : 1 ) Ally Bank, with authorization, initiated trial deposits at my account with XXXX XXXX. However, Ally only credited the account ( leaving a negative balance and hence removing monies without authorization ) without debiting them back in. They recorded this as failed, despite the objective reality the funds are missing.
2 ) Ally Bank has also indicated they are unable to link the XXXX XXXX savings account, which indicates they did receive successful confirmation of the connection vis a vis they knew the checking ( info previously provided ) and savings ( info had not been provided ) were connected.
Ally Bank is adamant that I obtain some form letter per XXXX XXXX validating information I already gave them from online printouts : that I have the right account information and that transfers are possible. XXXX XXXX said I would need to get this from an in branch banker, which during COVID-19 would be a risk to my and my XXXX child 's safety. It is abhorrent and disgusting that Ally Bank wants me to endanger a baby because they can not get past sending form letters to realize that I've provided multiple times over the information they seek in electronic format, all just to try and get them to try trial deposits once more. Out of the dozen or so banks we work with, this has been BY FAR the worst and most disturbing experience in my lifetime.
|
| 02/08/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Ally Financial received three checks. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ally Financial claimed they did not receive XXXX XXXX XXXX of {$2800.00} although I have receipt of all checks received by Ally Financial. They claimed there was no record XXXX XXXX XXXX. I called back after being hung up on and continued to inquire about the check. They gave me a false check number and later confirmed they did, in fact have the XXXX XXXX XXXXXXXX and posted it to my account immediately after I called back many times inquiring about this false check number ( XXXX ) they gave me. Again, although they claimed they never received or had any records of XXXX XXXX XXXX they immediately posted it after I inquired about the false check number I was given. Now Ally Financial is going into my account reallocating money. I did not give Ally Financial permission to reallocate any money from my monthly bill towards the principal. Ally Financial claimed that it is a policy in the Vehicle Service Contact but later confirmed that there is no such Policy. Now Ally is claiming that this is their Policy to have all cancellation refunds reallocated to the principal. However, they are refusing to give me this in information in writing. This specific Policy that Ally Financial is claiming exist is nowhere to be found Online and is not in my terms and conditions of my loan. I would like Ally Financial to stop posting things on my account and to stop reallocating money in my account without my consent. Each time I call I get told false information from the Auto Loan Department. They have displayed extremely unprofessional behavior and loud talking in the background. I have a recording of them laughing in the background on my voicemail.
|
| 01/21/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Funds not received from closed account
|
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Web |
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|
I contacted Ally Financial to withdraw the funds from my account on the evening of XX/XX/XXXX. They told me my savings account was placed in a " dormant '' status since I hadn't added funds to it even though they never notified me about this status change or what I could do to prevent that from occurring. I then told them to close my account and withdraw the funds from my saving account to my linked XXXX XXXX XXXX. They told me that it would take XXXX - XXXX business days to close the account and transfer my funds.
I contacted Ally again on XX/XX/XXXX and they said the transfer was in process. When I contacted them again on XX/XX/XXXX, they said there was a mistake and they failed to transfer my funds. They promised to escalate this issue and provide me an update on the XXXX. Since I didn't receive an update, I contacted them again on the XXXX. They said the account closure and fraud teams had outstanding questions which was preventing the transfer even though they didn't ask me any questions. Since the money was being transferred to the same bank account that was used to transfer funds into the account in XXXX, there should be minimal fraud concerns. Again they promised to respond to me later that day with an update.
Since I again failed to receive an update, I contacted them again on the XXXX. They said the fraud review was completed but still didn't know when my funds would be transferred to my bank account. Repeated requests to escalate this issue and/or speak with a XXXX who could resolve this issue were refused.
The absolutely horrible service that Ally delivered should be a warning to everyone never to use their service since there are many other financial institutions who provide better saving deposit rates with much better service.
|
| 04/08/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
ally bank has a 10 day notice policy on totaled vehicles ( from insurance company ). I have clear documentation from ally 's own website showing i contacted them 6 days after the accident and my insurance also contacted them on the 7th day to pay off the loan in full. My insurance attempted multiple times to pay the loan off as shown in documents i have from XX/XX/XXXX and XX/XX/XXXX. i have documentation from XXXX showing they attempted to pay ally on XX/XX/XXXX the total amount but could not because the lien holder could not produce the title. Ally made no efforts to collect regular payments for the months of XXXX, XXXX, XXXX, XXXX and XXXX because they were fully aware of the claim being processed. In XXXX i began recieveing bills from ally for my normal car payment. They claimed it was for interest accrued while they waited for payment from XXXX. XXXX did not receive the perfected title until XX/XX/XXXX even after multiple attempts 4-5 months prior. Ally is refusing to accept documentation in any form other then mail. their customer service department has passed me around for 20+ hours on the phone with no changes, no willingness to help, and ive been hung up on multiple times. They are trying to force me to use gap insurance to pay over {$700.00} in charges that shouldn't be there in the first place. A quick review of their XXXX page will show this is the standard at their business. I also attached a document showing where ally refunded a payment of {$230.00} which brought my balance back up to {$7800.00} which was the exact amount payed to them in full ... proving they were totally aware of the situation on their own website. No one i spoke to could see that info until i brought it up and once i did i was told they would not comment on it.
|
| 06/08/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
Older American |
|
I have had a checking with Ally Bank for a few months and recently opened a savings. I had an auto loan prior that I paid off. Because I was having payroll direct deposited for the loan, I decided to open a checking. Fast forward to XX/XX/23. I deposited a check drawn on Ally from a friend for {$250.00}. Later that day, my friend found out his account had been closed. I immediately called Ally and explained this to customer support. I also asked if I would pay a return check fee. The next day I received 2 emails stating my accounts had been restricted due to suspicious activity. My access to online banking was also turned off. I contacted the bank 's fraud department as instructed. I received no other information other than a senior analyst was working on it. I asked for a return call. Nothing. I called again last night and today XX/XX/23. Today I was told there's no guarantee the senior fraud analyst would call, but he would give them the message. I asked if there was a manager or someone I could complain to and I was offered a voice-mail. I said I want a real person and the response was, a real person will get the message and respond. Again, I got frustrated and hung up. At this point I want my accounts closed. The deposited amount of {$250.00} was in the account, although held. I understand this. What I don't agree with is the restriction of my account balances and no access to any information about when the restrictions will be lifted. I paid a loan on time monthly and paid it off early. This was my first mobile deposit. I did not know the account was closed at the time of deposit. I find it discriminatory to treat me like some criminal who is trying to rip off the bank. I work and my hard earned dollars are being held with no valid reason.
|
| 05/04/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I paid my auto loan off in full in XX/XX/XXXX. After all the payments went through I received an email from the company saying that the loan was paid off and the title would be sent to me. I got the title and a letter from the company dated XX/XX/XXXX stating that the loan had been paid off. There is a signature on the title showing Release of Lien from Ally Financial dated XX/XX/XXXX. I logged into my account XXXX last time at the beginning of XXXX to confirm that my balance was showing XXXX, which it was.
Starting on XX/XX/XXXX I started getting calls from Ally saying that my account was now overdue. I also got a letter in the mail from them asking for payment on XX/XX/XXXX. Other than my title in XXXX, I got no other letters, emails, texts, or phone calls from Ally in regards to my Auto loan. On Monday XX/XX/XXXX I called and was transferred around several times before finally speaking to someone who said that my loan was indeed paid off and that it would be marked as completed, I would not be bothered by collections any more. I am still getting phone calls saying that my account is overdue and demanding payment, all recorded with no option to speak to an agent. When I try to call their customer support and speak to person I am transferred around and eventually hung up on without resolution to my problem. I am now extremely concerned that not only will my credit score be affected by them claiming I have a late payment ( even though my credit report shows the loan closed ) but that I will have to deal with the company trying to repossess my car, even though it is paid off in full and I have the title. I can not get anyone at the company to give me a straight answer and am sick of being hung up on without ever getting any sort of resolution.
|
| 01/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Good day! I found out on my credit report that there is incorrect information recorded under my name. I immediately wrote to the credit bureaus to correct and have these item removed or updated last XX/XX/2022, these very same items are still on my account. their investigation did not fix errors on my report. I listed the companies that was reporting that I was late in my payment and I was never late. The following accounts are : XXXX ALLY XXXX XXXX XXXX ALLY XXXX XXXX Found out that these is/are incorrect information listed under my name and I was never late paying.
I know for certain that this is violation of the law as mentioned in 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
|
| 03/17/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
XXXX, ND, XXXX XX/XX/XXXX Error in Credit history Ally Financial XXXX XXXX XXXX XXXX XXXX, MI, XXXX To whom it may concern, On XX/XX/XXXX, I financed a car XXXX XXXX, VIN : XXXX. I made this purchase in Maryland, from XXXX XXXX XXXX XXXX dealer ship through Ally Financial.
Due to an accident on XX/XX/XXXX my car got totaled, my primary insurance company ( XXXX ) didn't pay for the loss because I was driving for XXXX ( XXXX driving ). XXXX XXXX XXXX XXXX introduced by XXXX handled my claim with Ally Financial. XXXX XXXX issued a check ( n/a ) to Ally Financial for the amount owed as it was stated by one of the officials in customer service department Ally Financial. The money has been paid in full to Ally Financial but for some reason it still shows under my credit report. I contacted XXXX XXXX and shared the matter, they contacted Ally Financial regarding the mentioned matter. Ally Financial approved the information provided by the XXXX XXXX ( Money paid in full ). XXXX XXXX offered to send a different check upon return of the previous check. Ally Financial didn't accept and stated through the phone conversation that the matter will be solved within 2 weeks.
I have been contacting Ally Financial since XXXX regarding this matter and they have been transferring me from one department to another and stating that they can't access my account ( files ). I am a family of 5 people, no matter what I have done. I haven't been able to improve my credit. This auto loan has been holding me and have ruined my credit history. I need help with this issue to be solved. I don't know what else do I have to do, to fix this. I would really appreciate your assistance in mentioned matter.
I look forward to your reply and a resolution to my problem.
Sincerely,
|
| 01/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Good day! I found out on my credit report that there is incorrect information recorded under my name. I immediately wrote to the credit bureaus to correct and have these item removed or updated last XX/XX/2022, these very same items are still on my account. their investigation did not fix errors on my report. I listed the companies that was reporting that I was late in my payment and I was never late. The following accounts are : XXXX ALLY FINCL XXXX XXXX ALLY FINCL XXXX Found out that these is/are incorrect information listed under my name and I was never late paying.
I know for certain that this is violation of the law as mentioned in 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
|
| 08/31/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Servicemember |
|
When COVID struck back in XXXX, we ( XXXX XXXX ) were offered by Ally Financial and through no petition of our own deferred payments on the three loans we had with them for a period of six months at which time we were current on all loans. During regular collection calls we informed them that drivers had absconded with the vehicles and we were having difficulty locating them. Needless to say, when the period to resume payments came, we still had not located the vehicles and the police department told us that because of NC law we could not report them stolen, but they would be entered into the national data base to assist us in trying to find them given that our drivers were XXXX XXXX XXXX and last contacted in different states. We found one and resumed payments. We just receive notice from XXXX on XX/XX/XXXX that the van had not only been obviously located by Ally, but appears to have been auctioned off without our knowledge or an opportunity to cure. We assert under penalty of perjury that we have not been served with any documents apprising us that this was going to happen. Now I look on my personal credit report ( even though the company is an LLC ) and see that I am asked to pay a debt of over $ XXXX which we presume to be some shortfall after the illegal seizure and sell of our vehicles. On those vehicles we put down over $ XXXX down payments and made ON TIME payments for over two years. We have been deprived of our rights and lost an inordinate amount of money as our property has now been sold. Ally stole our property given that the payment had just come due and was right at the 30 days delinquent mark. Our business has been crippled amidst COVID, but this was fraud in its simplest and most basic form, which only exacerbates our losses.
|
| 09/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I have filed two former complaint against Ally financial in my last complaint I explained how XX/XX/XXXX even though I disputed the amount I made four consecutive payments Ally financial postage three of the payments to my credit to my truck and then the fourth payment made on XXXXthey took an entire payment posted to late fees in the amount of {$520.00} instead of applying it to my payment that was due on XX/XX/XXXX then continue to mark my account as delinquent and I have been trying to get this corrected as I have made every payment on time they said in XXXX of XXXX I provided proof that I made four payments totaling XXXX XXXX XXXX XXXX how they can take the payment that was made on XX/XX/XXXX and apply that toward fees instead of my current payment due is what Im disputing and therefore my account is not late and needs to be updated to reflect that my account was paid in full as of XX/XX/XXXX my payment was due on XX/XX/XXXX. In my former complaint they stated I have not reached out to the company I have reached out to every person in that company nobody can fix it everybody tries to argue with me I have provided documented proof both to consumer protection agency all three credit reporting agencies and Ally financial I can not get a direct number to contact the department that handles dispute and I can not get a direct address to the number that handles dispute the information that they provided to consumer protection is not correct and theyNo explanation as to why my payment on XX/XX/XXXX was not applied to my payment that was due on XX/XX/XXXX instead an entire payment was applied to XXXX and therefore continue to mark me as delinquent for that month and every month there after accumulating a continuous barrage of late payments or fees
|
| 08/09/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
On XX/XX/XXXX, my wife and I realized our joint checking account was fraudulently charged {$100.00} from XXXX This was immediately reported as a fraudulent, unauthorized charge to Ally Bank on XX/XX/2022, which we were told was made using my debit card number. We were away, and my physical card was at home, untouched, yet my debit card number was somehow stolen. We were issued 2 new debit cards at our request right away ; however, the fraudulent {$100.00} funds have still not been returned to us.
We filed a police report on XX/XX/2022 and reached out to Ally Bank since we have not heard anything further. On XX/XX/2022, Ally Bank representative XXXX said the funds would not be returned for at least 10 business days while they investigate and that we may or may not receive a letter in the mail or via email asking for more information.
During a time when people are struggling with inflation and paying bills, this is unconscionable to put the onus on banking customers when they are a victim of fraud ( which is upsetting enough ). In the past, when I had an unauthorized charge with Ally Bank, it was quickly returned. All other banks and credit card companies I've dealt with also quickly return the fraudulent funds while conducting an investigation. Then if found not to be fraudulent, they pull the funds back out.
We also see from XXXX XXXX XXXX complaints, XXXX XXXX posts, and online forums that this is not an isolated issue. Many Ally Bank customers have been negatively impacted by this draconian dispute process, some waiting many months without access to funds that were fraudulently stolen from them. Ally Bank is doing this while publicly advertising that they have " zero liability '' policies for their debit cards when it comes to fraud.
|
| 08/06/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
Hello, I am filing this complaint against Ally Financial Inc ( doing business in the state of California corporation # XXXX ; Agent of service for Process XXXX XXXX XXXX XXXX XXXX mailing address XXXX XXXX XXXX XXXX MI XXXX ), for violation of Unfair, Deceptive or Abusive Acts Practices.
This is regarding an auto lease buyout Ally Financial Account # XXXX, vehicle information XXXX XXXX XXXX XXXX # : XXXX.
On XX/XX/XXXX, I received a letter regarding terminating the lease and purchasing the above mentioned vehicle from Ally Financial Inc per my request [ attached as XXXX ].
On XX/XX/XXXX, I obtained a certified check from my personal financial institution in the amount of {$39.00}, XXXX. XXXX as required to terminate lease and purchase the above mentioned vehicle [ attached as XXXX ]. Ally Financial Inc processed this check on XX/XX/XXXX [ attached as XXXX ]. Ally Financial finally emailed a buyout packet on XX/XX/XXXX via XXXX, which contained confirmation for purchase of the vehicle, special memorandum of sale and receipt for payment and odometer disclosure statement [ attached as XXXX ].
Since XX/XX/XXXX I have been trying to find out how long it will take Ally Financial to mail out the title and I am told to just wait. Finally on XX/XX/XXXX I spoke with a supervisor named XXXX in the Remarketing/Out department attempting to collect more money than I am financially obligated to pay for the above mentioned vehicle and that since my account is being reviewed pending this collection Ally Financial will not release my title.
Attached to this email is documentation verifying each aspect of this complaint. I have attempted to have Ally Financial Inc to release lien on the vehicle and obtain the title for the vehicle I have purchased.
|
| 10/20/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, I initiated a transfer from my Ally checking account to XXXX XXXX XXXX for the amount of {$30000.00} The transfer posted to XXXX XXXX XXXX on XX/XX/XXXX, but was rejected because the XXXX XXXX XXXX account is under my wife 's name. XXXX XXXX XXXX sent the funds back to Ally on XX/XX/XXXX. I've confirmed with XXXX XXXX XXXX that the funds had been sent back, no holds or freezes had been applied to the funds.
On the same day, I've received an email from Ally bank, stating that the above transfer has failed, and that if the transfer was initiated from Ally bank, it will be deposited back to my account with in 3-5 business days. On XX/XX/XXXX, which is the 5th business day since the email from Ally, I've contacted Ally for more information regarding the funds getting deposited back to my account. The phone agent contacted their back office, and confirmed with me that she can see the funds pending, and it would get deposited back to my account on Wednesday XX/XX/XXXX.
I called again on XX/XX/XXXX and the phone agent told me that they can not see any deposits pending. They talked to their back office and back office told them that XXXX XXXX XXXX is probably holding the funds, and they need to release it.
I contacted XXXX XXXX XXXX and was informed that the funds had been released and transferred on XX/XX/XXXX, and that I have to work with Ally bank to see when the funds are deposited back to my account.
On XX/XX/XXXX I gave Ally a call at XXXX PDT, and the phone agent told me that they can not see any deposits pending, and told me that the back office would give me a call to help me with the issue, but they have not done so all day. I called them back at XXXX PDT and the phone agent informed me that the office had closed.
|
| 07/28/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Older American |
|
Paid off vehicle loan XX/XX/2022.
Ally Bank said they would release the title to the Idaho transportation dept as that is where I live.
I thought everything was fine I went to the DMV when they said it was released on XX/XX/XXXX.
I received a email stating it was released so I went to the dmv.
They were able to pull up my title it was an electronic title but ALLY is still in 1st lien holder position.
I call almost every single day, First I spoke with customer service, And explain the situation they talk over me saying that it's released it's released it's released it's released it's released. But it isn't. Finally was able to get ahold of the electronic title department and they say it's an IT problem, but the state of Idaho tells me that it is a simple Box to check on the bank 's end that says Idaho can print and release the title to me.. I have called 24 hours worth of being on the phone with 3 different departments and countless people explaining it over and over again and they never do anything. I have 5 emails that say the title has been released and I explained that it hasn't but they don't listen to me. I finally posted on Ally Bankl XXXX page and somebody said, " oh my gosh we'll get somebody in touch with you '' Friday XX/XX/XXXX at XXXX PM at a woman named XXXX called from Corporate, she said it would be handled there. She was unwilling to give me her last name. She told me that XXXX would be the one that would be handling my account and doing the research. She gave me an her number to call for her direct line told me to call her on Monday I called 3 times on Monday 3 times on Tuesday and XXXX XXXX day Wednesday she has never answered her phone nor called us back. I do not know anything more that I could do. I am at a loss!
|
| 12/27/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
In XX/XX/XXXX my car was stolen and crashed. It was deemed a total loss. My insurance company at the time XXXX ; paid a full amount to Ally in what they thought the car was worth. At that time I begin my XXXX claim to pay the remaining balance. I called ally to request documents such as loan contract, loan balance, payment history, etc. An ally representative informed me that I was not to start my XXXX claim that ally would and they would have to speak with XXXX to negotiate settlement. Ally settled an entire {$500.00} less that I settled for but since XXXX already settled a certain amount with me, they honored our agreement and sent on XX/XX/XXXX the extra {$500.00} to ally. Last week XX/XX/XXXX, I contacted XXXX and they said they were sending almost {$4000.00} ( {$3700.00} ) to be exact to cover the remaining balance of my car. On XX/XX/XXXX I noticed that my credit bureau had not been updated and that Ally continues to report a late payment. I called Ally who informed me that the remaining balance was {$1400.00} and some change and that included interest that continued to accrue since XX/XX/XXXX even though Ally has been " helping me '' with this issue. Also, that ally reversed the {$500.00} payment that was extra and sent from XXXX. So we conference call the XXXX adjuster and what do we find that the {$500.00} check was processed from XXXX XXXX in XX/XX/XXXX. Therefore, there was no way they reversed the amount on XX/XX/XXXX. The end result of my call was that ally was going to have " someone '' call me back!! I will wait until tomorrow and at which time I will be calling ALLY back and will demand to speak to someone asap!! How are you still accruing interest on account you are actively helping settle and how do you lose {$500.00}.
|
| 08/08/2017 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
In XX/XX/XXXX, I bought a used car through Ally Bank that I later totaled in XX/XX/XXXX. When I purchased the car, I also purchased the GAP insurance, which is supposed to pay off any remaining balance not covered by insurance. It did not pay off the balance. Two years later, Ally sent me to collections. XXXX XXXX XXXX XXXX sent a letter offering a settlement amount, which I accepted. I started my payments XX/XX/XXXX, to pay the settlement amount of {$1500.00}. In my agreement with XXXX XXXX XXXX XXXX, I agreed to pay weekly payments of {$25.00}, till paid in full. I mail the payments out every Friday, my payday, and I write the account number on every check. Two weeks ago, I received my envelope with my check Return To Sender, Undeliverable. I figured I had written the address too sloppy or something. I then put that envelope stamped Return To Sender, that {$25.00} check, and the current weeks {$25.00} check into another envelope to send back to them. I did not want them to think I was breaking our settlement agreement. This past week on XX/XX/XXXX, I received a letter with one of my checks ( number XXXX ), saying that they were unable to verify a valid account. They were requesting additional information, such as my name, account number, address, etc. Before check XXXX was returned, check numbers XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX have cleared. Check XXXX has been returned to me. Check numbers XXXX and XXXX have cleared since they first received check XXXX. As of today, XX/XX/XXXX, check numbers XXXX, XXXX, XXXX, XXXX have not cleared and are still in their possession. Is this debt finally paid in full? And if they don not have a valid account, where did the checks go that were cashed, and where are the checks that have not cleared?
|
| 03/17/2020 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
ALLY FINANCIAL has repeatedly ignored and did not verify or validate debt and continues to engage in collection activities on XX/XX/2020, a repossession company moonlight repossession contacted a unknown third party giving out my information and giving third party repossession information.
On XX/XX/2020, sent my first letter dispute letter utilizing my UCC abilities in requesting additional information on the account and to this day I have not received no information regarding the documents requested as they state these documents are not legally binding to them attached.
On XX/XX/2020, ALLY FINANCIAL received second UCC dispute letter utilizing my ability and requesting documents as well as verifying information. Attached On XX/XX/2020, I sent another letter requesting payment information and the original instrument of indebtedness and to date no verification or document received.
Attached.
On XX/XX/2020 moonlight repossession hired by ALLY FINANCIAL spoke to a unknown third party regarding me and did not observe the reason they were present and entered the residential address property with no purpose and no contract between me and them. Attempting to collect on a debt for ALLY FINANCIAL.
On XX/XX/2020 sent out cease and desist until purported debt is verified and validated attached. Again utilizing my UCC abilities.
Ally financial is violating federal codes and ucc code being a financial institution Not marking the account as dispute however advised me Im committing fraud restricted my account and abilities and sending other agencies to harass me.
Defamation of character Mail fraud Violation of the fair debt collection practices act Violation of fair credit reporting act All letters sent from me through certified USPS mail
|
| 02/12/2021 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I have/had 2nd mortgage on my Home where I am staying. My 2nd mortgage was with GMAC. GMAC has went Bankrupt. I never received anything form GMAC about whom to to make my payments to. Last document I have from GMAC is from XX/XX/XXXX about my Loan modification. It was auto pay setup for mortgage payment.
I was going through refinancing process & now suddenly after 9 years I came to know that ALLY is listed on my Deed. My refi was denied due to I am unable to provide payment history- Which I don't have for my 2nd mortgage.
I don't want to loose my primary residence. After XXXX I finally found correct phone # of ALLY. Rep instructed to email to Ally as follow : On Monday, XX/XX/XXXX, XXXX XXXX EST, XXXX XXXX XXXX wrote : Hi, I just came to know that Ally has my 2nd mortgage.
I used to have GMAC. I know GMAC had filed Bankruptcy.
I never received any paper or any documents from your company.
I need someone to contact me asap in regards to my Loan.
I just called XXXX & spoke with XXXX XXXX ID # XXXX & finally I got email address to contact you. Loan # he gave me is XXXX My address is : XXXX XXXX XXXX XXXX, XXXX XXXX, MI, XXXX.
My home # XXXX.
Response received as follow from ALLY : Lien Releases XXXX XX/XX/XXXX XXXX XXXX GMT To : " XXXX '' XXXX Mr. XXXX, We have researched your request and determined your loan is not in a charge-off status, rather your loan is in a dormant status. In this scenario, please contact our mortgage servicing department at XXXX for assistance with your request. Please reference loan # XXXX.
As instructed, I have attempted to contact Customer Service- I was getting bounced around in different dept & finally phone was disconnected.
I got your website from Senator 's XXXX XXXX XXXX office to contact you
|
| 02/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XXXX XXXX XX/XX/XXXX shouldve just been a soft inquiry. I asked them more than once to just pull my credit as a soft inquiry and they pulled my credit as a hard inquiry. I didnt even end up buying the car and my credit score went down because of this.
XXXX XXXX XXXX XX/XX/XXXX shouldve just been a soft inquiry. I asked them more than once to just pull my credit as a soft inquiry and they pulled my credit as a hard inquiry. I didnt even end up buying the car and my credit score went down because of this.
XXXX XXXX XXXX XX/XX/XXXX Looking to refinance but my credit was pulled without my permission. I went to pre approval and it didnt say it would give me a hard inquiry on my credit report..
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I dont not recognize this on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this.
XXXX XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this.
ALLY FINANCIAL XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this.
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this.
|
| 02/11/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I contacted Ally Auto ( subsidiary of Ally Financial ) regarding placing my vehicle on loan through them in storage, in order to be able to reduce the insurance cost and not be penalized. My first contact with them was around XX/XX/2020. I reached out via their chat system to inquire about what the process was for completing this. They told me that they would submit a request for a letter of storage approval to be mailed out to me, and I would receive it in 7 to 10 business days.
Around XX/XX/XXXX, I had received nothing in the mail. So I reached out to them again regarding this matter, asking for a status update. This was again via their chat system. The representative told me that they needed more time, and to please allow for 7 to 10 more business days. I ended the chat, and began waiting again.
On XX/XX/XXXX, more than a month after my initial request, I still had received nothing via mail. This time I called their customer service line, asking for another status update. The customer service representative placed me on hold to check the status of what I had requested. They came back and told me that there was never a request in their system for a letter of storage approval. They said that they would place the request, and to please allow for another 7 to 10 business days. That same day, I also submitted a complaint to their customer service department, and it said that if they received a negative feedback, I would be contacted via phone in the next 1 to 2 days. I never received a phone call back. I also have not received any letters in the mail regarding placing my vehicle in storage. I'm coming on close to two months, and I have now paid an extra couple XXXX dollars in insurance for a vehicle that I am currently not driving.
|
| 10/15/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I was XXXX of those professionals hurt when the housing economy totally collapsed. I had purchased a very expensive XXXX XXXX XXXX XXXX pickup with diesel etc. Loan amount began at nearly XXXX. Payments were okay when I made XXXX per year. After losing the income after housing collapse, {$770.00} payments were very difficult but I struggled XXXX four years to get payments made. I was often far behind and always eventually caught up all payments when a job completed. ( I was now a self employed XXXX ). I was up to four months behind on several occasions, even offering to voluntarily surrender the truck. They always showed patience and eventually got all their money when a job would finish. I finally got paid down to the last XXXX payments ( around XXXX ) and explained to customer service/ collections that as soon as the next job finished I would bring it current. For the first time, i had about XXXX in postive equity in the truck. I certainly did not want to lose it now. I starting getting suspicious recently when collections would robo- call and I would try to answer and no live person would come on the line. After 3 weeks of rain delays I finally finished a job and was due to collect and be able to bring payments current. That night my truck was repo-ed from my driveway. Now, trying to speak to a live person and try to redeem my vehicle is impossible. Calls to redemption department at Ally always go to hold for 1-2 hours. Usually you will eventually be told to try again later. Meanwhile you get notices your car is going to auction, but you still ca n't get a live person. Once there was equity in my truck, they want the truck.,, not my payment.., This is blatantly unfair to have no way to talk to reasonable people!
XXXX XXXXXXXXXXXX
|
| 02/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On XX/XX/XXXX I traded my XXXX XXXX wrangler in for XXXX new vehicles as a leases. I was financed and approved through Ally Financial from the Dealership where I leased the new XXXX XXXX wrangler. XXXX XXXXXXXX XXXX, XXXX XXXX, MI.
I set up my online account through Ally.com after receiving my payment instructions from Ally Financial I the mail, mid XXXX. Seemed odd that it was late, so I made my payment for XX/XX/XXXX & XX/XX/XXXX on XX/XX/XXXX through my XXXX Bank.
Representatives from Ally keep calling me telling me they didn't get the payment. Another saw they did get payment but return it. They could not answer why, I asked for a manager, they hang right up. I verified with my Bank 's manager and the car payment was paid to Ally. Ally reps continue to call me daily, caller ID says potential spam. I have been threaten that they would report me to the credit burial and they did. As a result this placed a very negative MARK on me who has outstanding credit. Ally insists I send XXXX XXXX or XXXX XXXX for the NEXT 6 MONTHS. I then received a paper check from what appears to be legit, REFUNDING the amount XXXX PAID. I took it to my Bank to verify if it '' XXXX real. I WAS ADVISED DO NOT CASH IT. It's a scam.
I almost sent money via their request to money gram but the clerk at XXXX stopped me, and told me to go back to the dealership, it's fraud.
I called the dealership twice leaving voice messages with the Manager of Finance. No return call. I drove up to the dealer ship and went to my sales man explaining with all my documents. He was stumped as well, and told me he would have to get back with me.
Meanwhile as I await, my credit has been damaged and I suspect some kind of unlawful actives have taken place using my credit.
|
| 10/10/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
On XX/XX/XXXX, I bought a XXXX Toyota Camry with VIN XXXX FROM XXXX XXXX that Ally financed. Initially, I made a {$3500.00} down payment and the balance was {$13000.00}.
My payment records show that I have paid a total of {$5400.00} between XX/XX/XXXX and XX/XX/XXXX. This will bring my balance ( before interest deductions ) to {$7600.00} ; however, my actual account balance at Ally ( excluding interest ) stands at {$9700.00}. What this goes to show is that I have paid a total of {$2000.00} in interest ( according to Ally my APR is 10.75 ), charges and hidden fees.
I believe that Ally has either charged me excessive interest or levied hidden fees on my account. This is evident in the consistent late charges that Ally imposed on me even though I have paid my monthly payments ( with the exception of 3 occasions when I defaulted ) on the due date or within the 7-day grace period.
I have documentary evidence to show that all the bank payments posted within XXXX business days, yet Ally charged me late fees. Below are some of the late fees and dates : XXXX {$16.00} XX/XX/XXXX {$16.00} XX/XX/XXXX {$16.00} XX/XX/XXXX {$32.00} XX/XX/XXXX XXXX XX/XX/XXXX {$14.00} XX/XX/XXXX {$14.00} XX/XX/XXXX {$14.00} XX/XX/XXXX {$27.00} XX/XX/XXXX {$40.00} Earlier this year and in the last two months, I have disputed these charges in letters I wrote to Ally. In my letters, I also requested a full explanation or clarifications of all my charges or a full refund ; even before I received a letter from Ally that I am eligible to " receive a credit ( {$200.00} ) as part of their legal settlement for discriminating in auto financing.
I am not satisfied with the explanations that XXXX XXXX, the bank 's Executive Customer Relations provided ; hence my complaint.
|
| 10/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
In XX/XX/XXXX my vehicle was involved in a hit in run the vehicle was a XXXX XXXX XXXX XXXX XXXX the car was totaled my insurance company paid the total loss of the vehicle XXXX XXXX who paid the amount to the lender Ally financial I contacted Gap insurance I believe the claim was taken care of. One year later, I was informed by XXXX that a new account was on my credit report. Ally financial placed a balance of XXXX on my credit not only did Ally Financial not inform me of this balance existed. I was never informed nor was I given a chance to provide proof to the insurance company of the payoff not only did this drop my score my 60 points I spent over a year disputing this account if the insurance company did not pay the balance I should have been able to make a payment plan however this amount needs to be written off the gap insurance contacted Ally if they did not respond within the time frame I should not be held accountable. I sent numerous documents to XXXX that showed. I did not owe this balance. I believe this account was resolved it shows up on my credit report as account closed yet this is not correct. I recently found out after having my credit report ran several different times that this account is showing up as a negative remark and this has caused me not to be able to get financed for a vehicle. I spent countless time building my credit and Ally Financial has caused me great hardships and embarrassment. I work on on building up my credit there is not a lending company that will finance me unless the payment is extremely high. I spent a year trying to remove this mark off my credit report Ally Financial has bullied me and ruined by credit I've been trying to get my credit back since this incorrect has been placed on it.
|
| 01/18/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
Withdrawal of {$350.00} from my checking account on XX/XX/2022 from a dispute for a fraudulent transaction on XX/XX/2022 from a company caught in a scam.
Services were purchased that were NEVER received. The bank, instead of correcting the issue and crediting the funds back to my account, are aiding in the scam and approving of the fraudulent activity for which their customers fall victim due to NO FAULT of their own.
If banks are not for the customers, it's clear to see that Ally is not at all what their name says for their clients.
If this were a purchase on XXXX or from XXXX XXXX for an actual product that needed to be assembled ( with both companies partnering with individual contractors to assist their customers with assembling the product ), and the product was delivered with the contractors never showing up to assemble the product, the funds would have been refunded. XXXX or XXXX XXXX receive their payment for the product, and the contractor is also paid to schedule and come out to assemble the product.
However, if the contractor does not show up and provide the services paid for, the funds should be refunded/the transaction reversed because no services were received after being paid for. Of course the transaction was authorized because the customer was paying for a service that was to be rendered ( which it never was ). In a day and age of social media ruining companies profiles and customer retention ( especially for customers who are of XXXX decent ).
Services paid for that are not received automatically void out a transaction as being approved/authorized and the funds are to be refunded back to the customer ( regardless if the transaction is a credit card payment OR a debit card/checking account transaction ).
|
| 01/31/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
I initiated a wire transfer around XXXX on XX/XX/2023 as part of a payment I was contractually obligated to make on this date. The status of the wire transfer was on 'Reviewing ' for the remainder of the day. The next steps in the process are 'Processing ' and 'Sent '. On Monday XX/XX/2023 I checked the status of the transfer and it was still stuck on Reviewing. I checked the timelines provided by Ally and I had initiated the transfer before the cut off so it should have been sent same day. Up until this point I have not received any communication from Ally as to why the wire was not being processed. Two phone calls later and some escalating I was finally told that the wire was on hold pending research and that it would not process until XXXX on Tuesday XX/XX/2023. Around XXXX on Tuesday XX/XX/2023 I checked the status and the wire transfer was still in the Reviewing stage so I called the customer service line again. I informed them the urgency of this wire, as I was now out of compliance with a contractual obligation because they have not processed the wire. I was informed that they closed out the research and I should expect a phone call any minute from the wire team to verify the information provided. I was assured the wire would be sent out today. It is now XXXX and I still have not been contacted by Ally bank, nor has the wire moved out of the Reviewing stage into the Processing stage. I am now at risk of losing the home I am trying to purchase because Ally is unable or unwilling to process the wire request, and is not communicating to me as to why the wire is not being processed. Either the customer service agents are misinformed, or are outright lying to me about next steps, timing, and when/if the wire will be processed.
|
| 11/01/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I contacted Ally on Friday XX/XX/XXXX after falling behind on payments due to being out of work for a short period of time due to an illness. I chated with a representative after logging into my account regarding my opitions to ensure I protect my credit and bring my account current.
She advised me that before an extenstion could be done, I had to make a payment in the amount of {$270.00}. I reviewed my finances, as I am playing catch up on all my bills and made this payment on Monday XX/XX/XXXX. This rep advised me, once this payment posts to my account to contact Ally back for an extention or to have a payment deffered to the end of my loan.
With this in mind, I contacted Ally again today and chatted with XXXX. I explained all of the above and the information I was provided when I chatted with the rep last week. She asked several questions and advised me that a one or two month extension/deffered payment could be done however partial payment is needed! WHAT? She advised me {$230.00} or there abouts would be due within 10 days from me accepting the agreement and then the remaining bal of {$150.00} or there abouts would be due in XX/XX/XXXX. In XX/XX/XXXX, my payments of {$380.00} per month would resume.
If this was the case, I SHOULD HAVE JUST BEEN OFFERED THIS WHEN I JUST MADE MY PAYMENT so that I could catch up on my bills.
This company was working with XXXX in New Jersey which has since closed most likely due to illegal practices, they changed my loan company to this company after I had signed paperwork for another, kill you with interest rates and has NEVER once considered refiancing my vechile for a lower interest rate ( due to the age of the vechile other companies will not take it ) and THEY DO NOT WORK WITH YOU!
|
| 06/16/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/2023, at XXXX XXXX MST XXXX sent my wife XXXX XXXX XXXX an email stating her account was in blocked status and that she needed to upload her ID to be verified. She uploaded her ID and the XXXX system said it was verified and that her account was then unblocked. On XX/XX/2023 at XXXX XXXX MST she received another email from XXXX stating her account was then blocked and permanently closed. She called XXXX on XX/XX/XXXX shortly after receiving the email and the representative said that it was because Ally bank told them that the {$400.00} transfer that I initiated on XX/XX/XXXX from Ally was unauthorized. I called Ally and they stated that was not true that the issue was on XXXX end that XXXX would not verify information to Ally for the business attachment to proceed. Ally suspended every single transfer and bank account I had with them and linked to them. After a phone call they unsuspended everything but the XXXX transfer. I was told by Ally that the transfer will be sent back to XXXX. I asked them how that can happen if XXXX closed the account. They said I had to call XXXX. XXXX called XXXX to see about getting the account unblocked. They then said it was blocked due to unusual activity but wouldnt explain further what that meant. They said that the money would still go through to Ally because the XXXX was closed that it would not be sent back to XXXX. There is no reason XXXX should have closed the account. There was no unusual activity. Taking money out of an account is not usual activity. The transfer was completely authorized by XXXX and myself via our Ally account. We can prove we own the XXXX account and the Ally account. We want the XXXX account unlocked. We want the {$400.00} transfer to go into our Ally account.
|
| 12/06/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I have been banking with ally bank for about 2 years now. I recently began experiencing issues with identity theft as well as unauthorized usage. I follow the baking rules and file the claim online and submit statements in writing with regards o what I think occurred. This last time I was violated in early XXXX and filed a claim. I was told my new card was ordered and on the at. I started receiving notifications before XXXX XXXX that my card was being declined for charges. I went to check online to see what occurred only to be told that my account is locked and I have no access. I reached out to ally bank and spoke with an agent who asked a series of questions and assured me that by Monday of the following week, I will have access or someone will reach out to me. I didnt hear anything and reached out again and was told it may take an additional week, I called this morning and spoke with an agent named XXXX who advised me that there is no timeframe and I will just need to wait. Meanwhile I have no access to my funds. I asked what is going on and the agent hung up the line. I called back and spoke with investigator XXXX who advised that there is currently a filed dispute with ally bank. She looked at the account overall and the checking account over the past 6 months it had been many disputes. I explained to XXXX that I am a victim of identity theft and went through a similar occurrence with XXXX XXXX XXXX. She continued to ask routine questions and then moved on to advise that with the loss prevention department, they dont have any process or handle with disputes. There was no regard for what I advised and she just explained that this process is not familiar and they are concerned with fraud and security but not me as a customer.
|
| 02/23/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
Older American |
|
XXXX XXXX, XXXX. I received a special sales promotion paper to purchase a car at wholesale prices..I purchased a XXXX XXXX XXXX ... through XXXX XXXX XXXX XXXX , XXXX XXXX in XXXX , Michigan ... ... one of my friends went with me and we were at the used car lot for 5 hrs on that Friday evening. Several false answers were given to us by our used car salesman that said the XXXX dealer across the street had nothing to do with this sale, also that my friend would not be a co-signer ... .my last question to him about the car purchase was, I am XXXX yrs older than my friend and if something happens to me they wo n't come after my friend for the money for the car, because he ca n't afford that ... I was told, " do n't worry, you have equity in your car.. My friend started getting all the mail regarding my car deal..approximately XXXX denial letters came with his name on them from various credit unions ... also the proof of auto insurance only had his name on it ... that is when a red flag went up in my mind that something was very wrong with the deal. I can not be put on my friends car insurance as a driver as I do not live in his household ... on the title we are both the car owners with him being # 1 the owner and me # 2 the co-signer ... he can not afford the car and I can not afford the price of the car insurance put in my name ... my friends car insurance agent told us there is no such thing as having " equity in my car '' I asked the right questions, but we were both lied to ... .if we give the car back, we both will have a repossession on our records ... .I am currently awaiting a call from Ally Bank to notify them of how this deal went down and can they help us in this current situation ... ... thanks for your attention ... ..
|
| 10/22/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
|
|
Web |
|
|
I entered into a agreement to have several facial treatments with XXXX XXXX in XX/XX/XXXX. They immediately started billing me although no services were rendered. I contacted XXXX, but was told to make an appointment for treatment which I did in XX/XX/XXXX. I only had one treatment but the experience was awful. The technician used an ineffective XXXX XXXX to numb me before XXXX XXXX XXXX The XXXX felt like hot coals and I suffered excruciating pain during and after the XXXX XXXX. I further omitted and had XXXX for a few days. I couldnt even touch my face, it felt like it was on fire.
A few days later, I called XXXX XXXX and told them that I would discontinue treatment and that they should stop billing me. I would pay for the service used so far, but felt that this type of treatment wasnt for me. They apologized and convinced me to give it a second chance and that they would use a different numbing technique, so I begrudgingly made a second appointment in XX/XX/XXXX, which was subsequently cancelled.
I am now paying for a service I can not use and they are refusing to discontinue billing. I first called Ally, the company thats been billing me monthly since XX/XX/XXXX for {$97.00}, but ALLY referred me to Laser Away. When I called XXXX XXXX they referred me back to Ally. So apparently, Ive been caught up in some sort of scam or catch XXXX situation. I dont know what to do. Ally recently sent me a notice stating that if I dont pay the full balance of {$730.00} by XX/XX/XXXX, they would start adding interest to my payments. So I am really motivated to resolve this as soon as possible.
Allys contact number is XXXX and XXXX XXXX XXXX XXXXXXXX.
Is there anything you can do to help me.I can be reached at XXXX.
Thank You
|
| 05/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I currently have been trying to get a car, and having trouble getting financed. Recently, I received a notice from ALLY Bank saying that XXXX XXXX XXXX reported a way lower credit score than what is on file with the actual credit agencies, and how would this company be able to report this information if they were unable to reach the credit agencies for the correct information, they never once attempted to contact me to confirm or deny any of the information they provided this financial institution, but their report is what this financial institution based their decision. The letter I received even confirms " that this agency may not have enough information about my credit history to calculate a score. I have monitored my credit through XXXX XXXX, as well as XXXX XXXX, who provide it for free and it also helps me stay on top of my credit report. this company has no information in regards to my identity, payment history, or my actual credit score, they just picked a number and based it off of what???? the reports they could not obtain from the credit agencies XXXX, XXXX or XXXX. but yet they claim they have my calculated score??? HOW IS THAT POSSIBLE???? based on no information that is accurate from this company is what determined my ability to purchase a vehicle, even though I have a credit score in the 600 range through the actual credit bureaus. due to this unfair inaccurate report, it has caused me to be denied unfairly. so if they were unable to obtain information from equifax on XX/XX/2020, and it doesnt show any other inquiry to other agencies, how were they able to on the same day provide a credit score of XXXX, when I have a score for XXXX of XXXX and XXXX is XXXX but they lied about this score however they obtained it.
|
| 06/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
Ally Bank, The information you are reporting to the CRA 's is wrong. The charges you all are reporting for over mileage are not accurate. You are required to prove what you are claiming against me. You can not invent charges and then try to force me to pay for them when they are not accurate or valid. Please respond with photos with timestamps of the odometer and contact details with the person at the dealership who took them as proof of your claim that I was over mileage. The vehicle was returned nearly 3 months before you all decided to present me with these scam you created to try and get money from me.
Provide proof of custody of the vehicle and surveillance that can prove that someone else did not take the vehicle and drive it to add the alleged extra miles during the 3 months you had the vehicle before you started trying to rob me of more money! If you can not do this, you need to drop this and stop trying to bully a XXXX XXXX veteran or this will be on the news! XXXX my name XXXX XXXX and you will see that I am a public figure with access to media. I am tired of this game you all are playing with me. You are a bank, You got more money than the car is worth, and you are so greedy that you will keep resisting doing what is right for months? Why is this so important for you all? Just drop this and save some dignity and decorum for you brand!
You are NOT owed the money you are requesting and you can not prove that I am responsible for whatever mileage number you have recorded. I was told at the turn in appointment that I owed nothing, that mileage was under, and that the extra warranty and insurance I purchased at the dealership covered anything else. It is unfair and wicked to come attack me for money 3 months later!
|
| 05/04/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
Dear Sir/Madam, I am writing to file a complaint against Ally Bank for their failure to resolve a recurring issue with my rent payment, which has been flagged for fraud and declined multiple times. Despite my attempts to communicate with the bank and their promise to investigate and respond within 24 hours, I have not received any response, and my rent payment continues to be declined.
The details of my issue with Ally Bank are as follows : My recurring rent payment has been flagged for fraud and declined several times, causing inconvenience and jeopardizing my relationship with my landlord.
I have contacted Ally Bank 's customer service multiple times, providing all necessary information and seeking resolution. However, the issue remains unresolved, and the bank has not been forthcoming with updates or solutions.
Ally Bank promised to investigate the issue and respond within 24 hours. However, they have failed to do so, and my rent payment has been declined again.
This situation has caused me significant stress, inconvenience, and potential financial loss. As a customer, I expect Ally Bank to provide efficient and reliable banking services, as well as clear and prompt communication.
I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take appropriate action against Ally Bank to ensure that my rent payment issue is resolved without further delay. I also request that the CFPB hold Ally Bank accountable for their lack of communication and failure to address this matter in a timely and efficient manner.
Thank you for your attention to this matter, and I trust that the CFPB will take the necessary steps to help me resolve this issue with Ally Bank.
Sincerely, XXXX XXXX
|
| 04/07/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
XXXX XX/XX/XXXX {$13000.00} was transferred from my XXXX bank account to a new Ally savings account. Im that time Ally closed the bank account so there was nowhere for the funds to land. Ally said they refused the transaction from XXXX XXXX and the money was reverted to the original account. The money has not made it as of XX/XX/XXXX. I opened a dispute with XXXX XXXX, it was denied. XXXX XXXX claims it is XXXX fault, Ally claims it is XXXX XXXX fault. I have spent several hours over several days on the phone with both banks and with no success.
Below is the information Ive document during that time : XXXX XXXX info : Trace ID : XXXX Opened a claim on XX/XX/XXXX to claim my missing funds : Tracking ID XXXX XXXX Bank advised they Denied my dispute XXXX They reopened the dispute once I provided a new Trace ID that I was provided XX/XX/XXXX.
XXXX Bank Told me to open up a police report and get a lawyer and that there is nothing more they can do. Called back with new XXXX ID from Ally XX/XX/XXXX and they reopened the dispute.
Ally Transaction number : XXXX Amount : XXXX Original call requesting XXXX ID they claim they can not find Wont provide name of XXXX working in the case or put me in touch with anyone. They send me to an education inbox- nobody calls me back as of 4 business days later.
XX/XX/XXXX Ally provide Trace ID : XXXX - Second Trace ID XXXX This is the XXXX XXXX XXXX ID and not the one for reversing the funds.
They claim they had an influx of identity theft problems on the week of XX/XX/XXXX and that XXXX have contributed to the problem.
XX/XX/XXXX is the first day Ive been forwarded to a supervisor dispute calling several times and requesting to be As of XX/XX/XXXX this issue has not been resolved
|
| 06/16/2022 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I got behind on my car loan. I tried to make payments on their website and they refused to accept debit card, credit card or personal checks. I had to go through XXXX XXXX. After I called and told them I would try and make weekly payments to get current in my loan, they started calling me, my sister, my parents and my sister- in-law. I called and asked that they only contact me at my cell phone number and not to harass my family with phone calls. Per my sister they are calling multiple times a day. They call me numerous times a day. In 2 days I had 21 phone calls from them.
I have been trying to get out of debt and I have been working with them and paying through XXXX as they have required. XXXX through XXXX is not always open due to short-staffing at XXXX. But, I have been trying. I was woken up this morning to my car being repossessed. I called Ally Auto while they were taking my car and the operator was very rude to me on the phone saying I cant drive a car for free for 118 days. I just made a payment 2 weeks ago and was going to make another payment tomorrow.
They have been nothing but rude, aggressive, and treating me like a dead beat lowlife, because I got behind on payments. I am currently working on paying them back and I could have been current if I didnt have to hunt down a XXXX that was open for business.
But as I explained to them over the phone last week the constant harassing phone calls have affected my mental health and has affected how my family members treat me because they ( Ally Auto ) let them know I was in collections for not paying my car payment. I have tried to work with them on getting current and they told me my car was no longer in danger of being repossessed and then repossessed it anyway.
|
| 02/05/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
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Web |
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We were contacted by ALLY BANK in XX/XX/XXXX and offered a Forebearance Loan on our 2nd Home Equity Loan. In XX/XX/XXXX ALLY BANK issued letter stating that they were in error offering this forebearance and also that they internally had coded our loan incorrectly- and that we were now 6 months late and the balance due immediately- they also reported us as delinquent to all credit bureaus. Then they sent an agreement with loan payments to start paying balance -however it was dated three months prior ( they sent outdated documents ). We have been contacting ALLY BANK since XX/XX/XXXX to get credit fixed and a current loan agreement. Every time we call we speak to a new agent who says they will send us a new loan modification " package '' - we have repeatedly filled out these loan modification packages with all our bank documents, payrolls statements, tax returns, etc. then when we call to check on status they say the documents need to be resent because they are now outdated- or they say they never got the documents, after we've sent them to the po box address as well as email address they provided- repeatedly. Then they call us each month and the cycle starts all over again with a new agent! Result is our credit scores went from 800 's to low 500 's - credit is ruined ; and husband 's business is now closing because of the negative credit scores and failure to get new business credit. We can never speak to the same person at ALLY BANK - nobody can ever follow up on our documents to get a new loan agreement generated. Extremely frustrating dealing with ALLY BANK. Our credit has been ruined because of their internal errors and mismanagement.
ALLY LOAN NUMBER : XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX
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| 12/02/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
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My complaint is against my Bank, Ally Bank. And also XXXX XXXX XXXX. They have not refunded my money for forged and illegally cashed checks.
My first complaint to Ally occurred XX/XX/XXXX. Each time I call them for an update, they tell me they cant give me my money back.
I wrote XXXX checks that were stolen from a local mailbox ( I did file a police report ) and the person washed the checks, forged a different name, and they were cashed illegally and funds withdrawn from my checking account totaling {$6700.00}.
The first check was mailed XX/XX/XXXX for the amount {$2200.00}. It was written to the photographer for my wedding.
The second check was mailed XX/XX/XXXX for the amount of {$4400.00}. It was written to the catering company for my wedding.
On XX/XX/XXXX, I discovered the checks were washed and cashed illegally when my catering company asked where their check was. I immediately contacted the police and then called Ally Bank. Ally required I fill out XXXX forms and get them notarized ( which cost me over {$30.00} ) Ally received all required information to get my money refunded no later than XXXX weeks from XX/XX/XXXX.
As of today, I still havent received my money. Ally is claiming they are asking XXXX XXXX XXXX to research it, then refund Ally, and then I can get my money once Ally is refunded. Ive been very patient, but since Ally allowed my funds to get withdrawn, I hold them accountable and liable for this situation. The checks were obviously forged, yet Ally gave my money to XXXX XXXX XXXXXXXX. It is clear that neither bank has proper policies in place that verify checks arent forged before cashing them.
Anything you can do to help me get my money would be greatly appreciated.
Thank you, XXXX XXXX
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| 07/29/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
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Web |
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Ally Bank Has Criminally Financially EXPLOITED me Via a non consensual Fraudulent Automobile Loan Wherefore they forced ( 2 ) Two Test drive vehicles they forged in the Financial Invoice as a LEGAL Transaction. I have one test drive vehicle to DATE since the Fraudulent Sleazy Con Artist Job in Conjunction with Ideal XXXX XXXX XXXX On XXXX XXXX XXXX MD. I traded in my beautiful mint condition XXXX XXXX XXXX XXXX, requested a XXXX XXXX XXXX XXXX trade in. XXXX Was obliterated from my Customer Request & launched out with a XXXX XXXX XXXX I NEVER bought or agreed to concur to the purchase of. I clearly stated with the flyer ad from the ideal XXXX XXXX XXXX that the {$7000.00} Off any vehicle there I wanted ONLY the XXXX XXXX XXXX XXXX With my {$7000.00} discount flyer. The dealership & Ally Bank Have, to DATE, financially EXPLOITED me with a cheap XXXX XXXX XXXX, worth {$7000.00} & I Was Wrongfully Financially Exploited For ( 2 ) Two Test drive vehicles. The XXXX XXXX XXXX XXXX the Dealer Told Me to test drive while they tried to call find a XXXX XXXX XXXX XXXX For me XXXX 2013. I Was financed Fraudulently by Ally Bank for a XXXX XXXX XXXX " Recall '' & the XXXX XXXX XXXX I NEVER requested to purchase. Ally Bank owes me for financing 2 test drive vehicle models I Was ONLY Test driving as they Demanded I Try the XXXX XXXX XXXX while they looked for the XXXX XXXX XXXX I requested to distract me Obviously, knowingly. They kept my mint condition XXXX XXXX XXXX & did n't get Credit for it on Wrongful Fraudulent transaction 4 financial Fraudulent invoices I 'm paying on with Fraudulent Ally Bank. I DEMAND a 100 % full refund of Fraudulent Auto Loan For 2 years I 've paid for & my value of my XXXX XXXX XXXX XXXX from Ally Bank ASAP.
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| 02/07/2016 |
Yes |
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- Credit decision / Underwriting
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Web |
Older American |
|
Here is something that NO ONE is thinking about that home buyers, and especially first time home buyers are not considering when purchasing a home! I even tried to get legislators to require this, but they refused. When the mortgage crisis hit, many HOAs did very little to manage their finances. At least mine did n't. They spent a lot of money going after home owners, and collecting very little because the HOA found out it could n't collect, so we picked up the legal fees for liens. My HOA in the last 16 years relied on a defect lawsuit settlement to " keep their dues down '', but there next to no funds to begin with. I screamed about having a reserved study for years. About 5 years ago they had one done, and we are about XXXX underfunded. There are only XXXX homes in my HOA. So very quickly, ..in a matter of a few years the HOA 's settlement money will be depleted, and there will not be enough money to fix the exteriors, the roofs, the roads, and pools in our area. These new home buyers have no idea what is facing them because they have never purchased a home before. The HOA does show them the reserves, but it does not show they the future requirements based on the reserves studies. It 's a HUGE piece of the financial obligation puzzle that is conveniently left out of the financing of ahome. So many HOAs are underfunded, that realtors would have a fit if it was exposed. So many buyers do not realize they may be buying a lemon, ..so in a few years, there may be a lot of them walking away when special assessments hit them. And if they do not approve them, ..they community will suffer. You need to do something about disclosures, ..because on a state level HOAs are not doing a thing about it because they do not need to do it.
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| 10/10/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
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Web |
Older American |
|
On or about XXXX XXXX, 2022 I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX LA. and financed the vehicle with Ally Financial. As part of the financing I purchased GAP warranty coverage from XXXX XXXX and the purchase was included in the financing contract.
On or about XXXX XXXX I refinanced the vehicle with XXXX XXXX XXXX XXXX and as part of the loan offer I was required to purchase the GAP coverage that was offered by that lender. I did purchase their GAP coverage and provided XXXX XXXX with written confirmation of the cancellation of their GAP coverage with was countersigned by a XXXX XXXX representative and was told I would receive a refund for Approximately {$770.00} and that a check would be mailed to me. After several weeks I contacted XXXX XXXX as I had not received anything and was told that the refund had been sent to Ally Financial and they would forward the money to me as I had paid the loan of at Ally.
After not recieiving anything from Ally nor any communication I contacted their customer Service and was informed a refund would be issued to me but it would take as long as 70 days to process, I informed them that was not acceptable and was eventually connected with a supervisor who escalated my case to their " Executive Resolution Team ''. In late XXXX I was contacted by a representative from team and promised a resolution in days. On XXXX XXXX I was again contacted by that team member and told a check had been mailed to me on XX/XX/2022 and they now considered the matter resolved.
After no check arriving within two weeks I again contacted Ally customer service and was told by the representative that they had no record of any payment being made to me.And they had no idea when I would receive a payment.
|
| 07/17/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
Older American, Servicemember |
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I purchased a XXXX in XX/XX/2020. XXXX XXXX XXXX XXXX gave me paperwork stating my balance was being financed by Ally Auto, however my registration said XXXX XXXX XXXX. The first payment was due on XX/XX/XXXX. I setup autopay. I cancelled the Gap insurance and Maintenance contract from Ally Auto Bank. Ally supposedly sent the Gap payment to the dealer. I had filed a complaint with the XXXX XXXX for the Gap since it 60 days. XX/XX/XXXX I was informed from XXXX XXXX that my autopay was cancelled due to the bounced payment from Ally Bank. So their excuse was that a bounced check voided my autopay with a totally different account. I paid the charges as well as the payment and one additional payment to offset so I can restart the auto pay. I will have to wait to be able to do so. The Ally Bank told me they paid XXXX XXXX XX/XX/XXXX. XXXX XXXX told me they received the payment, however they waited 68 days to inform me that the check received from Ally Bank bounced and ensuing charges were due. They informed me that it's up me to contact Ally Bank. I will not contact them again one blatant lie is unacceptable to me personally. I would have already obtained legal counsel by now I'm at risk XXXX so I'm not making any new face to face contact from unknown entity. XXXX XXXX has all my personal information I only have the initial billing which I generated the autopay with. No contract from them which I requested. I'm still waiting for that contract so I could take to my credit union to take out a loan at a much lower rate and they are locally based. I gave the dealer XXXX in cash which should have facilitated matters. As of now XXXX is owed to me outstanding for those purchased services and no response from Ally Premier Protection.
|
| 01/19/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
I applied for an Ally XXXX XXXX XXXX credit card on XX/XX/2022 through my XXXX account, and I earned approval for a {$3000.00} credit line the next day. The confirmation email sent on XX/XX/XXXX said that it'd take 7-10 business days for my card to arrive in the mail, but that they were " experiencing delays '' but I'd receive notification if and when my card ships. It is now late at night on XX/XX/XXXX - ten full business days later - and I have received no shipping confirmation for my card.
Ally has no way for me to email them, and thus I am not able to establish a paper trail. They are the only credit card I have seen so far that has no way for customers facing difficulty to email all of my other cards allow for that. I hope this gets fixed for the sake of their costumers.
That being said, I called to ask when my card would get shipped on XX/XX/XXXX, and I was told that my card is in the process of getting made and received an apology for a delay due to " a third party vendor '' making a mistake. When I asked for an estimation of when my card would arrive, the customer service representative at Ally could not offer that to me. I understand delays, but a lack of timeline was alarming. In short, I was approved for a line of credit, and it appears that I will not be able to access this credit line indefinitely due to Ally 's inability to manage the vendor that manufactures their cards.
It is unhelpful to anyone trying to financially plan to not know indefinitely when they can access a line of credit that they applied for. I feel deceived if I had known the length of time it would take to receive my card so I could use it, I would not have applied for this particular financial product and sought out an alternative.
|
| 01/15/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I have been banking with Ally for more than 4 years now ( savings and checking ) I use them primarily for my savings account, and in XXXX starting to create my emergency fund. Till about XX/XX/2021, I had between XXXX and XXXX inside ( I don't have the exact amount as I have not been able to access my account for over 30 days ).
I had traveled and received an email saying my account had been locked on XX/XX/XXXX, and to contact the XXXX department. On the XXXX and XXXX I had called, and never got through to the XXXX department. On the XXXX I got through, and responded to the email saying I had spoken to someone ( rude ) about my account, and that I was told an investigation was underway.
Since that day, I have called Ally bank almost 2-3 times per week to find out about my account. Every time I called in XXXX, I was told a different story- we can't tell you why your account is locked ( nor did they tell me on the XXXX, after spending over 15 minutes answering all their questions ) ; there is a 30 day investigation period ; there is no deadline for an investigation ; an investigator will call you.
I called again last week, and was told my case will be addressed shortly.
This week ( Tuesday I believe, the XXXX ), I called again and said I had reached the extent of my patience, it had been over 30 days and had not had a resolution to my account being frozen. I spoke to another person yet again, and she said she is contacting an investigator, and they asked when would be a good time to be called back, to which I responded ASAP as I need access to my funds.
It is now XXXX morning, and I have not received any phone call.
I still have no access to my funds, nor any explanation as to why or when it will be resolved.
|
| 03/02/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
I paid off a vehicle loan with Ally Auto. They received a certified check on Tuesday, XX/XX/2020. After they received the check they withdrew another payment from my checking account for {$560.00} because they did not process the payoff for 7 days, on XX/XX/2020. I called to ask about the withdrawal of the payment after they received certified funds for the payoff. The Customer Service rep let me know that they would continue to withdraw funds from my account until I turned off automatic payments online. I stayed on the phone with them while I tried to find that option. However, because the loan was already paid off, there was no longer an online option to turn it off. They said they could not help me with that and there was no other way to turn it off. I did ask them to find a way to turn it off if the online option was not available and they did have it turned off before the next payment.
I called again on XX/XX/XXXX to ask when they would mail the over payment back to me that was taken out after payoff. The CS Rep stated that it would take 18 business days from the day they determined it was paid off ( XX/XX/XXXX ) to mail a check back to me. I called again on XX/XX/XXXX to ask why I still hadn't received a check. They said they didn't have a note stating that it should be sent back to me, so I asked them again to do so and that it had now been 29 business days since they withdrew the extra payment. They said they would notate the file and that I would have a check in 5-7 days and then before we hung up they said no, it would be 7-10 business days.
I am filing this complaint because it has now been 6 weeks since they took out the payment, after I paid off the loan and I still do not have the over payment back.
|
| 06/25/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
About 2 months ago, I tried to link an external account to my Ally account but got an " unexplained error. '' I am not unable to link any new external account from within my Ally account. Over the past XXXX months, I have chatted and called in 10+ times, always waiting on hold for XXXX minutes. When I speak to a rep, I am always told the case ( case ID XXXX ) has been " escalated '' and I will receive a call back in 1-2 days once the issue is resolved.
I was eventually told that while Ally 's external account limit is XXXX, and I have about half that, because I have previously had XXXX ( over my history with Ally ), the system has a flaw where it's still thinking I've hit the max number of external accounts. Ally 's solution is to raise my external account limit.
Every time I call, I am asked to retell my story from the beginning. A few days ago, I finally learned that while the case had been " escalated, '' it was labeled " low priority, '' even though every prior rep had specified it was labeled " high priority. '' Additionally, whoever initially created the case filed it with Ally 's " Loss Prevention '' department. I spoke to a rep in that department who apologized it had been incorrectly filed to them but that he had no way of changing how it was filed. He suggested I call Ally 's " ACH Ops '' department, but when I call back the next day, the rep wasn't able to locate any department by that name/type.
This is an incredibly easy fix : either raise my external account limit or fix why the system is seeing previously-deleted accounts as still present. Ally is my and my wife 's primary bank, and we regularly keep around $ XXXX present, but we will be unable to continue using it is this issue isn't fixed.
|
| 12/19/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
On XX/XX/XXXX, I submitted a claim against Ally Bank because all payments were not being applied XXXX. Afterwards, I spoke with XXXX, and we all came to an agreeable solution. We agreed that I would continue making payments of {$25.00} per week towards the {$1500.00}, but making them to XXXX XXXX instead of the creditor that had applied them to the wrong account. I called XXXX XXXX about two weeks ago to check our balances against one another. On my end, I have the balance paid down to {$1000.00}. The man I spoke with at Ally said he has no record of our arrangement, and kept trying to get me to set up new arrangements for a higher balance. I tried continuously to tell him that was n't correct. I then sent in my next payment of {$25.00}, making me new balance of {$1000.00}. I also sent a letter explaining our situation, and asking why they make arrangements but do not notate them in their system. I received a letter from Ally dated XX/XX/XXXX. It said I have 15 days to agree to Plan 1 of {$1400.00} or Plan 2 5 payments of {$340.00} to equal {$1700.00}, neither of which was what we had previously agreed upon. I called in today, XX/XX/XXXX. The man I spoke with says they have no record of the agreement, that I 've only been paying towards the balance of {$1900.00}, that my {$25.00} per week is doing nothing towards my balance, that my payments are not going to XXXX, but to XXXX XXXX. I told him all my checks are made out to XXXX XXXX, he says its all the same. He said that my settlement did not sound like a settlement, but a payment arrangement, that they would never have agreed to it because they like things to be handled lump sum 30 days or less, and that there is nothing in their notes of our previous agreement.
|
| 06/23/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I purchased a car from XXXX, when I purchased I was under the impression that I had XXXX insurance but it turns out I did not. The sales person did not fully explain and apparently marked that we declined on the application when that was not the case. My car was totaled in a weather related accident that was not our fault approximately XXXX days after the purchase. My insurance company did not pay off my loan balance - there was about {$6600.00} left. After the accident I called Ally Financial several times to discuss options. I was told by bother customer service reps and the total loss department that I would be able to make payment arrangement after the insurance company settled the claim. I was very worried about purchasing another car because I knew I would have a remaining balance and even tried to finance a new car with them. They stated that I should just go to a dealership and get financing through them and that I could make arrangements for the remaining balance at a later date. I have now received a letter stating that I must pay the remaining balance in full or continue making the $ XXXX/month payment and I have no options to restructure the loan to make lower payments when that is not what I was told in the past. If I knew that I would have purchased a minimally priced car so that I could pay this loan off before getting another loan. I can not afford to continue making the monthly payment at {$420.00} or pay the amount in full at this time. They also initially sent me statements stating payments would be due in XX/XX/2018 so I assumed they were allowing for a delayed re payment since the car was totaled then I received a letter in the mail stating payment in full or installment was due XX/XX/XXXX
|
| 05/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : Account Name : XXXX XXXX XXXX, Account name : Ally Financial, Account name : XXXX XXXX, Account name : Credit Name : XXXX XXXX : Credit Name : XXXX XXXX XXXX : Credit Name : XXXX XXXX XXXX Nmae : XXXX : Credit Name : XXXX XXXX, Credit XXXX XXXX XXXX, Credit Name XXXX XXXX XXXX, Credit Name ; XXXX XXXX XXXX XXXX, Credit Name : XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX Credit Name : XXXX XXXX XXXX Credi Name :. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
|
| 04/14/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Web |
Older American |
|
I financed a vehicle through Ally Financial auto in XX/XX/XXXX. In XXXX, I attempted to change the payment date online from the XXXX of the month to the XXXX. I cancelled the payment for the XXXX and made a payment for the XXXX. They took a payment for the XXXX and the XXXX. I tried to get a refund and was told it takes XX/XX/XXXX business days to send the info to another department and they have XX/XX/XXXX business days to send it to another department who has XX/XX/XXXX business days to send me a check. I contacted my Credit Union and made an unauthorized deduction report. The money was back in my account in 2 days. So, I refinanced the loan with my Credit Union and got a 10 day payoff amount. I went on line and made a payment for the balance the day after the refinance money was in my checking account. I waited for the money to be transferred for about 10 business days and nothing happened. I called Ally Financial and was told the payment was scheduled for XX/XX/XXXX. Why would I get a 10 day payoff amount and schedule it for 4 months later? The person on the phone said I needed to change the date and she would walk me through the process. I kept her on speaker and brought up the account online. When I tried to change the date, the calendar would not change. I had to close the online site and reopen it. And after another few attempts I was able to get the calendar to change. I then asked why the payoff amount was more and I was told there was a XXXX dollar a day charge which added to the balance. This is the most difficult financial group I have ever had to deal with. Why would anyone get a 10 day payoff amount and schedule the payment for XXXX? My experience times a few XXXX more means big money for them.
|
| 07/20/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Older American |
|
On XX/XX/2018, my XXXX XXXX XXXX was repossessed. Designer sunglasses and diamond tennis bracelet were left in the car. This was reported to Ally on XX/XX/2018. I signed the property release and wrote I signed without the benefit of verifying what the vendor, XXXX XXXX had written. The car was locked when repossessed and left unlocked on vendor property overnight. I was told to bring the key or pay {$350.00} to get into the car. The vendor would not let me in the car without first signing. Ally employees gave me the runaround. I filed a police report. The police noted multiple problems with this vendor. Was told by XXXX XXXX that vendor who repossessed the vehicle would have to replace the items. The vendor altered the document when requested from Ally removing the handwritten notation. XXXX XXXX repeatedly said she did not like how the vendor treated me, that they should not have altered the document, they will have to replace the items. After I provided pictures and cost of items an offer of {$500.00} was made and then increased to {$1400.00}. The sunglasses cost {$380.00}, bracelet {$24000.00}. I never received a notice of repossession, never received notice informing me where the vehicle was to be sold or the minimum acceptable price to reclaim the vehicle, never received notice of when the vehicle was sold or the deficiency balance. XXXX XXXX, Ally employee took over from XXXX XXXX. No resolution. XXXX XXXX took over no resolution. I addressed two letters to the CEO XXXX XXXX, with the letters being passed off to XXXX XXXX and XXXX XXXX. The attached letters to the CEO provide a very detailed time line. Spoke with XXXX XXXX on XX/XX/2018, with her promising an update by XX/XX/2018. She called XX/XX/2018.
|
| 05/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
Ollo/Ally Acct ending XXXX.
My account is currently and ALWAYS has been in Exceptional standing. I was NEVER late, I NEVER missed a payment, paid MORE than required and NEVER went over the limit. As a matter of fact, because I kept my account in such an OUTSTANDING status, I have received TWO AUTOMATIC credit limit increases in less that 1 year!
However, from the very beginning, you consistently, fraudulently reported this account to the Credit Reporting Agencies as having MISSED payments, NO payments, and being OVER THE LIMIT. You gave me an increase, did not report it to the CRA 's. When I disputed the incorrect balances & credit limit, you corrected it. Then 3 days later, you subtracted the increase on my credit report. Even after I REPEATEDLY disputed all false, inaccurate information, you CONTINUOUSLY and DISHONESTLY responded, saying your credit reporting was verified and ACCURATE. This is an act of FRAUD because you KNOWINGLY and INTENTIONALLY reported false, inaccurate information about me & my finances to all the major credit reporting agencies. You also withheld information, by refusing to report my payments. My score dropped DRASTICALLY, due to you FRAUDULENTLY reporting my account being OVER THE LIMIT 2 months in a row. When I applied for credit, I was denied, because this FALSE, INACCURATE information was seen by other companies.
You have violated my consumer rights and broken so many consumer laws. To prove you violated me, Every single one of those FRAUDULENT, FALSE, INACCURATE reports and statuses were FINALLY REMOVED AND CORRECTED by you, on all the 4 major credit reporting agencies reports. I DESERVE to be compensated for these violations. This has been BEYOND stressful and EMBARRASSING!
|
| 11/14/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Servicemember |
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My current car lender has repossessed my vehicle due to non payment. I have not been able to pay because of illness, XXXX, and hardships. I was devastated by the XXXX of two family members in XXXX during the hurricanes. Even though i did not have much i was asked to contribute to each funeral. And also My income had become affected by the hurricane in texas. Many of my clients were forced to cancel and as well as myself was forced to cancel many appointments. After the homegoing of my one of my uncles and one aunts, I fell ill to an unknown XXXX XXXX. I was hospitalized from XX/XX/XXXX until XX/XX/XXXX. That same day I called and alerted my lender about my situation. I stated that I would try to make a payment on the XX/XX/XXXX, because i expected to be paid a lump sum of money from cancellations. I was unable to make the payment on the XX/XX/XXXX. Then finally I was told of another death in my family in michigan the first week of XX/XX/XXXX. I had no intentions on allowing my car payment get away from me this way. But I did let Ally Financial know of the troubles My family and I were experiencing. And I was told that I would be given time to make a minimum payment to push the other payments to the end. Unfortunately, I had not been aware of the repossession until it was too late. I have been struggling since the hurricanes hit! I know that my family is n't the only one that has been affected, but at this very moment I will struggle even more by not being able to get to my clients to bring in the income at all. The Ally Financial rep even stated that I had never fallen behind like this before, and they were here to help me in my time of need. I woke this morning, to find that my car had been repossessed.
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| 12/26/2023 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I saw advertisement XXXX XXXX for special promo, so I called and asking benefits for treatments.
They were really nice and took me to online consulting with RN, they guarantee my problem will works with promotion deal.
They told me price and payment plan, she said she will transfer dep for payment plan.
Ally went through for payment plan, they promised I can cancel anytime if Im not satisfy treatment then stop pay right away.
My XXXX XXXX XXXX XXXX and Dr told me I have to purchase this and that,,,, I wasnt comfortable they are start selling things and asking more treatment.
My XXXX not getting better so I stopped after XXXX session, then I told them Id like to cancel service anymore because Im not happy getting worse.
So I asked them same time I dont need to make a payment they said yes.
After few month I receive payment still I was ignore I though they might not process yet But kept going so I contact XXXX XXXX then they said call ally, I called ally explained, first time they said they will look for whats problem.
It wasnt helpful.
I called again after month and complained.
Lady was really nice to see more detail and filed complain.
Then I got this collection.
When I cancel they didnt tell me any of detail I still going to make a payment and how much.
I dont receive any email or later for cancellation and price will be changed.
XXXX XXXX lady told me we could offer credit for any other treatment, but when I called them to cancel no one offered me she said Im so sorry.
They said on the phone processed cancellation.
I complained XXXX because there are no communication whats so ever from ally besides asking me to pay, no communication from XXXX XXXX.
Very very disappointed.
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| 10/19/2020 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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Me and my Fiancee opened up a joint account with Ally Bank to buy a home together after talking with XXXX. Upon funding the account with XXXX dollars, Ally bank rejected the transfer from my Fiancee 's XXXX XXXX account for dubious reasons, I can explain details later. That's OK they reject the funds, but they NEVER returned the funds back to her XXXX XXXX account.
This transaction happened on XX/XX/XXXX and we are no closer to receiving the funds as I am writing this on XXXX. It has been a full month. We have spent over 40 hours speaking with Ally bank trying to get the funds returned. The back office and Supervisor 's have been stalling, dismissive, and negligent in returning our funds in a timely manner. One supervisor told us she hasn't even seen something like this happen before. They themselves are confused with the transaction and haven't took initiative to return the funds. Every time we have called for a MONTH, the supervisors and the back office say it will take 2-3 business days, FOR A MONTH.
This has caused us great hardship during a time of this Pandemic. We've had to delay our home buying process. My Fiancee is freaking out that this substantial amount of money isn't being returned. She had to talk to a XXXX after the incident and got prescribed medicine for XXXX and XXXX XXXX for this. We no longer trust the banks.
This is through NO FAULT of our own and is 100 percent resting on Ally banks negligence to return the funds immediately ( a month and counting ). We have confirmed with her XXXX XXXX account that this is 100 percent resting on Ally Banks end.
Ally Reference Number ( most recent one of MULTIPLE previous reference numbers ) - XXXX Ally Back Office Reference Number - XXXX
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| 11/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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To Whom It May Concern, I am writing to file a formal complaint against Ally Financial concerning the inaccurate reporting of my auto account status. The said account has been deemed as charged off by Ally Financial, and subsequently, a 1099-C was issued. I hereby request that the reported balance on my credit report be accurately reflected as {$0.00}, or alternatively, be removed in accordance with the Fair Credit Reporting Act ( FCRA ) laws.
As per the FCRA laws ( 15 U.S. Code 1681 ), it is mandated that consumer reporting agencies provide fair and accurate information about consumers ' credit. Specifically, under the FCRA, Section 623 states that information reported to credit bureaus must be accurate and complete. Furthermore, Section 611 allows consumers to dispute inaccurate or incomplete information directly with the furnisher of the information.
I believe that Ally Financial 's reporting of the charged-off account with an outstanding balance is misleading and inaccurate as the debt has been discharged or forgiven according to the 1099-C issued. As per the guidelines outlined in the FCRA, I am within my rights to request accurate reporting or removal of such inaccurate information from my credit report.
I kindly request that Ally Financial takes the necessary steps to ensure compliance with the FCRA by either accurately reporting the balance as {$0.00} or removing this account from my credit report entirely. Failure to rectify this inaccurate reporting will compel me to escalate this matter to higher regulatory authorities.
Please acknowledge receipt of this complaint and provide a timeline for action in rectifying the credit report in accordance with the FCRA laws.
Sincerely, XXXX XXXX
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| 08/07/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
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- Closing an account
- Funds not received from closed account
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Web |
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On XX/XX/XXXX of this year I called Ally and asked them to close my CD account number XXXX and mail me the check for {$51.00}. XXXX. I have never received the money.
On XX/XX/XXXX, since I still hadnt received the money, I asked that the amount be deposited into my checking account number XXXX. Instead, that account was closed and that {$4000.00} balance was mailed to me.
I have still not received the CD amount after five customer service calls. Ally claims two checks were mailed to me but have not provided proof. They claim the first was returned to them and the second lost mysteriously in the mail. That is impossible to believe ; I have received many dozens of correspondences by mail from them over the XXXX years Ive had an Ally account including a statement last week.
W/e XX/XX/23 I made my XXXX call to customer service and asked for a supervisor. When I asked that the alleged second check be cancelled and the amount deposited into my checking account they had mistakenly closed, I was told by this supervisor that I would have to fill out a Lost Check Affidavit which includes this language : I also understand that the Bank has the right under the Uniform Commercial Code to require me to wait 90 days from the date of the original check before it issues me a replacement check. I obviously will not agree to that.
I suspect this is Allys coordinated attempt to delay returning my money to me. But even if it is only systemic incompetence on Allys part, this is willful bad faith and has deprived me of seven weeks of interest payments with no progress toward receiving payment.
Can you help me collect the money due to me for over 2 months? Thank you.
Ally Financial XXXX XXXX XXXX XXXX, MN XXXX XXXX
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| 02/26/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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Reference : XXXX.
1. It is with the proven fact that Correspondence after correspondence which i send to Ally, are without a correct performance response.
2. Ally is without the proper verification of accounting to prove the funds for loan agreement XXXX were in fact produced by Ally.
3. It is my suspicion that this Loan with Ally is an unsecured Loan.
3.1 Ally had 30 days from the time the loan documents were signed to transfer the securitization of the promissory note into a XXXX trust which would have originated a new owner, which would have sent me in writing further details that there is a new signee in the loan documents pursuant to the Truth In Lending.
3.2 It is my strong belief the Loan is in default and therefor unsecured and if the Loan is unsecured THERE IS NO DEBT.
4. It is my belief that Ally is with the intent to commit fraud to the IRS by tax evasion.
5. It is my strong belief that i am a 3rd party beneficiary because my proceeds from the note funded the transaction to obtain my car.
6. Pursuant to Title 15 section 1641-ammended public law 111-203 - 15 usc 1640, I have a claim for the recoupment and setoff.
7. Failure for Ally to come into an agreement with me for the recoupment and setoff of Loan XXXX within the next six ( 6 ) days will result in an IRS/Department of the Treasury criminal investigation procedure which i will fully implement.
Note : 1. Reference attached documents for proof Ally agents are without the proper performing accounting for origin of funds for Loan XXXX which clarify unfair, abusive, and/or deceptive lending and servicing practices.
2. See attached Judicial notice and Constitution for men/women of this land.
Sincerely Benefeciary : XXXX XXXX XXXX.
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| 04/02/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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On XX/XX/XXXX I was at work with XXXX other coworkers. One of the coworker was new so I was kind of excited and in a happy mood. Around noon a person came in and I wasn't sure if he was a customer or not but he was looking at the menu and starting conversations and since I was in a good mood I started a conversation with him. He pretended to be a XXXX employee and started to explain how XXXX was having a deal for XXXX customers, {$150.00} for XXXX XXXX XXXX. He said that there was a line outside the XXXX for this deal. I felt that it was too good to be true but since I was in a good mood at the time I decided to just continue the conversation since he seemed like a nice guy. The conversation went on for about 5 minutes and then he said he wanted to show me something on my phone. He typed in pound and a few numbers on my phone and called it, and it showed me something about my phone. Then he borrowed my phone to " check '' settings and set up an account for XXXX for me. Since I was behind the counter, I couldn't actually see what he was doing. He then told me to make up a XXXX digit pin and that's where I messed up and gave him a pin that I used on a lot of my apps, including XXXX. He sent himself {$200.00} to an account name " XXXX '' now named " XXXX '' and their XXXX is XXXX XXXX. I've tried contacting XXXX the same day and they told me to contact my bank since the money was withdrawn from my bank, not from XXXX. I called my bank that day and they told me they couldn't do anything until the charge was posted. A few days later, I opened a dispute on my bank account for that charge and today I find out that the dispute has been closed but I have no clue why since I wasn't even notified when it closed.
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| 12/02/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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We paid for a shuttle service in Florida on XX/XX/2020 using their website XXXX https : //XX/XX/XXXX for {$91.00} ). The next day our cruise was cancelled so we contacted the shuttle service to cancel the shuttle. No answer to the phone number, no answer to email and no return calls. We attempted several times in two weeks to cancel and they never responded. I contacted Ally Bank to dispute the charge. Ally told me it would take 90 days to investigate and had me fill out paperwork. Non of the scenarios on the paperwork fit the description of the problem. I called to ask for help and the dispute team told me to find the one that fits the closest and fill out that section. So I chose " that the service was not provided. '' After 90 days Ally Bank told me their investigation was complete and that the charge was correct and I had used the service.
Well that is simply not true so I opened new dispute which they closed within a week with the same result. I asked to speak with someone in the dispute department to explain the problem and was told that I am not allowed to speak with that department. I sent an email trying to explain the problem and a reply email told me someone would be calling me on the phone. No one ever called and now I have a letter ( Dated XX/XX/2020 ) in the mail telling me the dispute is closed, the charge was authorized and the time frame to recover funds is now past. I reported this problem to Ally Bank 30 days after the transaction after I had mad multiple attempts to contact the merchant. Ally bank had plenty of time to investigate and correct this transaction. I have opened three disputes with Ally Bank and no one has contacted me to discuss the problem bu they have all been closed.
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| 08/04/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Cashing a check
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Web |
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I did a mobile deposit for a check I wrote myself from one of my banks ( XXXX XXXX ) to my other ( Ally Bank ) on XX/XX/XXXX. The funds were sent by XXXX XXXX the following business day, but I noticed it hadnt gone through at Ally Bank. I called them and they told me XXXX XXXX hadnt sent it, and that it wont be deposited until the XXXX. I called XXXX XXXX to confirm the money was sent with no problems, which it was. I call Ally, irritated that my funds have not gone through even though I didnt fit into any of the exception to the Expedited Funds Availability Act. They inform me that XXXX XXXX gave them information stating the check may not be able to be paid. I call XXXX XXXX, there fraud and security department said that didnt make sense and that the money is out of my account and with Ally so was obviously able to be paid.
I call Ally again, they say it needs to clear. I inform them that it has, and that they have the money but are refusing to release it. I ask why they are refusing and they said it is still processing. I told them it has been approved. After that, they stated we simply can not release funds until the XXXX without giving me a reason.
Right now I am out {$3000.00} dollars. I dont have very much to my name so I am in a very bad situation without money. But they will not release the funds or give me a reason why they have it. My account is not younger than 30 days, I have no history of overdraft, the check was not an amount over {$5500.00}, I have made a check deposit from XXXX XXXX to Ally before, its has cleared so clearly I have the funds. I explained this all to them and they are dead set on doing nothing. I believe regulations are out in place to make sure this does not happen.
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| 02/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Over the past Two years, I have sent approximately ( 5 ) certified letters to XXXX in regards to an unverified derogatory account listed on my Credit Report ( Ally Financial # XXXX ) Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that XXXX disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that is reporting in my credit report. XXXX has responded to my request by saying that these accounts have been verified. XXXX has not sent me copies of the documents that they have in their files that were used to validate these derogatory accounts. As required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties are damaging my reputation and credit worthiness .... I also sent certified Debt verification letters to Ally Financial # XXXX however I never received a reply back. XXXX have ignored my request to provide me with the documents that their company have in their files that is used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I have sent certified letters asking XXXX reporting agency to VALIDATED these accounts with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL.
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| 07/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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I submitted a previous CFPB complaint regarding a negative credit bureau reporting ( Complaint # XXXX ). The company recently responded denying any wrongdoing in the matter that was presented. While I have received that information, I do not agree with it and have made 3 previous attempts for further investigation into this matter. In addition to the fact that my account was only 29 DPD, and I received a negative 30 day reporting, I spoke to an Ally supervisor on Monday, XX/XX/XXXX which was 3 days before the payment was made to ensure I was receiving correct information. My first call was on Saturday XX/XX/XXXX where a representative was unable to give me clear and accurate information on if I would definitely avoid a XXXX by paying on XX/XX/23. I followed up on the XXXX with another and spoke to a supervisor who assured me that as long as the payment was made before XXXX EST on the XXXX, I would avoid a XXXX. I proceeded to cancel my payment that was scheduled on XXXX, and completed it on the XXXX. I have requested on 3 separate occasions that Ally review the recorded conversation with the supervisor to see that I was clearly given incorrect information. Each time I am told to wait 3-5 days and someone will follow-up but that has yet to happen. On the second attempt of requesting the call to be reviewed, I was told there is no record of a conversation. I have attached a copy of my phone records showing a 25 min call to Ally 's number. At this time I am demanding that Ally locate and review the recorded call from XX/XX/23 where a supervisor advised me of misinformation regarding when I could pay. As a result of that call, I am therefore demanding that the 30 day XXXX be removed from my credit file.
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| 05/25/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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- XX/XX/XXXX ; Ally Financial was charging $ XXXX.Claim for Excess Wear & Tear, after returning leased car.
- XX/XX/XXXX ; Made for Total Settlement Amount Due {$1200.00} ( Account Balance {$1600.00} ) Payment Installment Plan with Ally Financial Down Payment Promise Date XX/XX/XXXX - {$610.00} ( Paid on time ) Final payments @ {$610.00} XX/XX/XXXX {$610.00} ( Paid on time ) Total Payment Installment Plan : {$1200.00} -XX/XX/XXXX ; Ally Financial credit report to Potentially Negative Account with late payment.
- XX/XX/XXXX Ally Financial sent confirmation mail, " Ally has been settled and you are released from any and all obligations ''. ( Attached Documents with copy of check ).
-XX/XX/XXXX Made a phone call with Ally Financial discussing why my credit report was negative when I already payed off the settlements on time. The reply was if I paid off my remaining balance, the credit report wouldn't be negative anymore.
-XX/XX/XXXX *Payed off remaining balance of {$400.00}.
*Ally Financial sent confirmation mail, " Ally is now satisfied and you are released from any and all obligations ''. ( Attached Documents with copy of check ).
*Credit report remained negative even after receiving these confirmation letters.
*Made a call to Ally about this issue ; wasn't given a solution.
-XX/XX/XXXX *Disputed to 3 Credit Bureau for issue ( See above ).
*Received dispute result from XXXX , " Completed investigation of FCRA dispute - consumer disagrees '' OR XXXX XXXX , " DISP INVG COMP-CONSUM DISAGRS ; >SETTLED-LESS THAN FULL BLNC< ; CLOSED. '' * Also, XXXX sent the result by E-mail. But it wasn't opened. It looks like some kind of security problem. Any how I need to phone call to them.
Thank you!
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| 12/24/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
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Web |
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I purchased my vehicle that was leased through Ally bank for XXXX years, at XXXX years and XXXX months I sent a cashiers check for the full amount of the lease buyout to Ally bank. They acknowledge this was received XX/XX/2021 and I just received the title for my vehicle XX/XX/2021 which is not even a complete title in my name ( excluding a need to visit XXXX of XXXX ). Because of this I have lost over {$4000.00} in the sale of this car, insurance, XXXX vehicle that I have now owned for over XXXX weeks, and I have the paperwork and quotes from XXXX, progressive and statements from a wholesaler who was attempting to buy my vehicle to prove this now is a loss of value for the sale of my leased vehicle. I called Ally Bank over and over for XXXX weeks, sat on hold for XXXX minutes at a time only to be treated like garbage by their staff once the calls were answered, I was refused email confirmation of phone calls, I was refused proof of my calls to Ally, I was refused any options to speak to anyone else such as a customer relations specialist. I was told to wait for emails that never came, and finally after demanding that I wouldnt hang up a call before they sent this required email, I finally got the email on XX/XX/XXXX which required signature after signature, then more asking & waited for Ally to complete their end of it while being threatened NOT TO SIGN UP FOR AN ACCOUNT TO TRACK THIS LEGAL SIGNED DOCUMENT IN ORDER TO KNOW WHEN IT WAS ALL COMPLETED. Then once again I waited a week to finally receive a title in the mail but its not even my COMPLETE, OFFICIAL TITLE OF OWNERSHIP.
Its a title of sale that I am now required to take to XXXX of XXXX for assistance in completing the final title creation.
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| 05/25/2017 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Funds not received from closed account
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Web |
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Approximately 7 days ago, I deposited a check for {$10000.00}. After the deposit was approved on XXXX XXXX 2017, I w as advised the funds would be placed on a 5 day hold. Shortly after on XX/XX/2017 , Loss Prevention placed a block on my account restricting my access to online banking and left me a message. I was told the account was placed on hold due to further verification that was required in order to verify the check with the drawing bank, XXXX , and the LP Representative, XXXX XXXX advised she would get back to me after speaking to XXXX . On XX/XX/2017 , XXXX XXXX stated the check was verified, the funds were cleared and available and that she would be closing all of my accounts and would issue me a check on the closing balance, only AFTER withdrawing/transferring {$2900.00} to Ally Ban k for funds owed on a Jointed Money Market Account ending in XXXX that was closed and charged off prior to this matter. For the record, I have been a loyal customer and disagree with the decision made to close my accounts. Also as of XX/XX/XXXX ( today ) in which my funds from my last deposit were to be made available for use, for the record I am stating, I did not authorize, and am not authorizing Ally Ban k to transfer or withdraw funds from my interest checking account ending in XXXX to cover the debt owed on the Joint Money Market Account ending in XXXX which has already been charged off and closed. I am not solely responsible for this debt, nor did I cause this negative balance to occur. I have no involvement in any of the account activity leading up to the negative balance, and do not authorize Ally Ba nk to use funds from my checking account to pay this debt
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| 12/04/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem related to refinancing
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Web |
Older American |
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I had my van loan financed with ALLY Financial with an ACH debit from my credit Union. My last van payment in the amount of {$360.00} ( after 7 years of financing it ) was made on XX/XX/2018 with a balance of {$14.00} left to pay, which I attempted to pay over the phone twice and online twice. ALLY rejected these payments.
On XX/XX/2018 ALLY drafted another van payment in the amount of {$360.00}.
I called and emailed them from their website numerous times. After 3 weeks they reimbursed me the amount of {$350.00} and subtracted the amount of {$14.00} from the {$360.00} they drafted from my account on XX/XX/2018. I received the title to my van at the beginning of XX/XX/2018.
I checked my bank account on line on XX/XX/XXXX and saw that ALLY took out another automatic ACH in the amount of {$360.00}. I called and emailed them from their website on XX/XX/XXXX. The representative stated that the payments made to them did not show up on their end or on my account.They requested that I fax them my bank statement proving they they took the money out. Friday XX/XX/XXXX I sent them an email from their website and attaching my bank statement and a email to them. On Saturday XX/XX/XXXX I went to my bank and they faxed the bank statement which showed tht they drafted {$360.00} from my account. I checked my account with ALLY on line and it does not show that they took the extra van payments out, but my bank statemnet and balance shows they did. The bank told me that since the ACH agreement was between me and ALLY they ha to close it out.Otherwise I can pay the bank XXXX to unauthorize the draft. But, why should I have to do that? Don't these people communicate with each other? Who else have they donre this to?
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| 12/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I have a loan with ALLY FINANCIAL INC . I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( 3 ) credit reporting agencies & they too are withholding any verifiable proof, XXXX, XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX, XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late.
ALLY FINCL XXXX Date Opened : XX/XX/18 Balance : {$0.00}
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| 02/09/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/2022 I attempted to add an external bank account XXXX XXXX XXXX XXXX XXXX ) to our Ally account in order to make transfers from Ally to our XXXX XXXX XXXX account. I did this through the Ally website and received an automated message that 2 small deposits would be made to my XXXX XXXX XXXX account. After those 2 deposits were made, I was to return to Ally to verify the amounts to complete the process. On XXXX I received an email from Ally that the account was rejected. I went back to their website and the message on the website indicated that I could delete the XXXX & XXXX account and re-add it at any time. I deleted it, but was unable to re-add it due to an error indicating that the ( optional ) account nickname had already been used. However, using another nickname or leaving the field blank ( as it is optional ) produced the same error. I called Ally and they were not able to add the account either. However, they promised the issue would be resolved in 1-2 days. I subsequently called Ally several more times and each time they would ask me the same questions, such as : " Is this account in your name? ", " What type of account is this? ", " What type of bank is this? ", etc. Ultimately, they would then tell me they needed another 1-2 days. After many calls over many hours, here we are on XXXX and I am still unable to add this account. Ally 's reps have informed me that they are not able to add it either ( confirmed again during a phone call on XXXX at XXXX EST ). There has been NO effort by the bank to actually resolve this. They simply keep telling me they need more time. 9 days is more than sufficient time for them to simply add an external account so that I can complete transfers.
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| 05/21/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
Servicemember |
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On XX/XX/XXXX, I contacted Ally, and spoke with a representative, and a supervisor, concerning my financial difficulties. I explained my wife had been hospitalized recently and due to the recent flooding and bad weather in XXXX, Texas area I was unable to make the {$670.00} payment, because I had been unable to work my usual employment hours. I explained I would pay {$700.00} on XX/XX/XXXX, however the supervisor had no concern, simply speaking to me as if I was not aware of my financial hardship. I explained I have been struggling since my wife became ill and we lost income, along with bad weather since Hurricane Harvey which I had not been able to recover from. I have struggled to pay for the XXXX XXXX for over 5 years, My request to ally for a lower payment or any assistance allowing me to bring my account current has been denied. I explained the vehicle is almost paid off and it seems Ally simply wants to repossess it. I understand my payments are behind, however I continue to pay the debt. I am not avoiding the Ally, I am calling, emailing and requesting assistance. I have to call repeatedly to speak with a representative as if my account is flagged to prevent the call from being transferred. The representative made no effort to assist me, in fact he may have placed the vehicle on a repossession list despite me requesting a payment arrangement. This is unethical, due to the fact I have made payments for 5 years, now the vehicle is almost paid off they claim no arrangements can be made to assist me. The law may allow this practice, however many people are having financial hardships due to various reasons allowing customers who are struggling to make payment arrangements should be an option.
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| 02/22/2017 |
Yes |
- Consumer Loan
- Vehicle loan
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- Taking out the loan or lease
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Web |
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I traded my car in and purchased another one. The dealership looked over the car and there were no issues. Car was harly used an way under allotted mileage. Six weeks later i get a bill from Ally that I owe {$500.00}. I contacted them and apparantly there was a scratch on the bottom bumper. They decided that it would cost {$500.00} to fix this. How did they come up with this amount? In addition who is to say the damage didnt happen in the six weeks I was no longer in possession of the car. In addition, in XXXX XXXX the car received a parking ticket from XXXX XXXX. During the date of the ticket my family and I were travelling and not in the country. Long story short, the person who wrote the ticket put the wrong plate numbers. The ticket was issued to a XXXX XXXX and my car was a XXXX XXXX XXXX. I got it taken care of an the judge dismissed the ticket because of course it was invalid. This was the same time ally was trying to sell my car. The ticket came up and they paid it, never letting me know. I faxed them the ticket, with the registration showing it was an invalid ticket as the license plate was for a XXXX XXXX not a XXXX. I also faxed them the judge 's dismissal that the ticket was invalid. This was faxed on XXXX. I continued to receive bills from them for the {$500.00} and {$15000.00}. I called them today. I was told the ticket they paid was not the ticket that I faxed them. They received my fax but since they feel it wasnt the ticket they paid they disregarded it. I asked what other ticket, representative coudnt tell me. I asked to speak to a supervisor, I was told this is not a supervisor issue and he woulnt transfer me. At this point I feel like Ally is trying to extorate money from me.
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| 01/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.
By obtaining my CREDIT BUREAU consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) I have not initiated any transaction with this company. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with this company for review or collection.
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within XXXXen ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
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| 11/13/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
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Web |
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On XXXX, Ally mailed a letter to my home indicating that my mortgage assistance application was incomplete. Ally requested additional documents no later than XXXX. On XXXX XXXX, I faxed Ally the requested documents : 30 days earnings, hardship letter, homeowners insurance declaration page and real estate tax bill. On XXXX, Ally mailed a letter to my home informing me that the deadline to submit the missing documents has passed and unable to review my application for mortgage assistance.
On XXXX, I called Ally and spoke with one of their Reps, XXXX XXXX, who confirmed that Ally received a fax with all the requested documents on XXXX and XXXX XXXX XXXX stated that she will advise the Loss Mitigation Department to review my completed application for mortgage assistance.
On XXXX, I contacted Ally and spoke with a Rep inquiring about the status of my application for mortgage assistance. I was informed by the Rep that I would need to reapply. I immediately requested to speak with a supervisor. The Rep verbalized that a supervisor was not available to speak with me regarding my concerns and to expect a call from a supervisor sometime during the day. I waited throughout the day on XXXX and I never received a call from Ally.
Please review the attached letters, faxed documents on XXXX including a print of the faxed log reflecting that all documents were received by Ally on XXXX.
Ally is deceiving financially distressed homeowners, in particular, XXXX by falsely promising to preclude foreclosure and providing them with mortgage assistance. I am a victim of their deceit. They are in violation of the Mortgage Assistance Relief Services Rule. I will be filing additional complaints with other agencies.
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| 04/02/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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|
Web |
Servicemember |
|
XXXX Ally Financial XXXX XXXX under Account Number XXXX I leased a vehicle from Ally Financial on XX/XX/XXXX. The lease term was 36 months and all payments were made according to terms. Prior to the expiration of the lease, I requested a payoff quote and submitted full payment on XX/XX/XXXX to purchase the vehicle. Ally Financial received this payoff and deposited the funds. My account at Ally financial shows this payment and the balance is {$0.00}.
Despite full payment, Ally Financial has failed to release the title to the vehicle. I have repeatedly called Ally Financial to ask about the status of the title release without success. A review of my file will reflect over 6 calls made to date. Each of these calls take a minimum of 30 minutes hold time before speaking to a customer service representative. I been told several times by Ally Financial customer service that the issue is the requirement for an odometer disclosure. Ally Financial customer service has repeatedly committed to sending the disclosure, but no disclosure has been sent to me by Ally Financial, nor have I received any communication from Ally Financial relating to the payoff which was received and deposited by Ally Financial 2 months ago.
I am very frustrated that Ally has deposited the payoff and has failed to process the release of my title. Ally Financial customer service people point to a backlog of work as an excuse. Any backlog at Ally is not a valid reason to hold title for a vehicle the customer has paid off in full. I have been unsuccessful working directly with Ally Financial and am reporting this matter in the hope that the CFPB will pressure Ally Financial to honor the agreement and release title to the vehicle.
|
| 02/27/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
This is the letter we just mailed to ALLY Financial.
As I am typing this letter as I am again on hold with your XXXX number. No one ever answers. This would be our 9th phone call with hold times over an hour. Last night we held for 40 minutes and it just hung up on us.
This letter is to dispute a bill of late charges that we have repeatedly called about and they need to be immediately removed from our bill. The entire reason we leased this car was to establish perfect credit as you can see by our payments have been on time if not early every single month since we drove out of the dealership. We have no idea why this {$31.00} charge is on our bill and is now totaling {$880.00}.
We have repeatedly asked your representatives to clarify the fees and specifically exactly the full payment amount is so we can pay it. They have refused to clarify these questions. We have asked to pay what they said a one time XXXX late fee which we didnt even know where that was coming from but paid it anyway. They never told us that this was every month or recurring and also at that time never told us that there was this XXXX balance hanging over us.
Your regulator CFPB was specifically established to protect consumers against these types of abusive practices. In this case, we are talking about failures to disclose fees, failure to disclose amounts due and refusal to answer questions and an overall evasiveness and lack of responsiveness. We will be filing a formal complaint with the CFPB on this matter.
Please consider this a formal complaint as we will be filing such complaint with the CFPB on this matter. PS I AM STILL HOLD AND WHO IS GOING TO PAY ME FOR ALL THE HOURS SPENT ON HOLD AND TYPING THIS LETTER.
|
| 12/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
On XX/XX/22 I applied for a Ally XXXX XXXX and was approved. I received an email that I would get my card in 7-10 business days. After the initial 10 business day wait time I reached out concerned because I had not received my card still. The representative that I spoke with said that they were having a issue printing the cards and to give it to the next Monday and if I had not received it to call back. I waited that time frame and then some, I ended up calling that next Wednesday as I still had no card come in the mail. When I called that time the representative was not very helpful, she said the same as the other lady that my card had been shipped but she could not give me a tracking number. I told her this made me uneasy and that I was beginning to worry about the validity of their company. She stated they were having issues making the cards and this was causing issues for customers to receive them to which I said but my card is already made if it has been shipped so I am not understanding. She said that all she could tell me was what she already had and that if I wasn't satisfied she could escalate me to a supervisor which I asked her to do because I was very uneasy with how this was all going and that it sounded very scam like. She placed me on hold for sometime and finally came back and said that her supervisor would be busy for quite a while and she couldn't keep me on hold that long. She said that he would call me once he was freed up from his current call. He never called. So this has now hit my credit as an account but I am unable to get them to produce a card or account that I can use. Any communication is met with the same response and I am left back at the same place I started.
|
| 11/14/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
Servicemember |
|
My car was in an accident on XX/XX/2022, the date of this complaint is XX/XX/2022. I have GAP insurance through Ally Auto as well as full coverage insurance on the vehicle through XXXX XXXX
I made a single payment towards the vehicle while waiting for all paper work to be processed by XXXX XXXX and the gap coverage.
Payment by XXXX XXXX was issued to the lien holder in an amount equaling {$16000.00} on XX/XX/2022. The remaining balance is {$670.00}. I spoke with my gap insurance policy holder multiple times through XXXX. I submitted the documents they requested, as well as confirming multiples times with agents on the phone representing Ally. I was told today XX/XX/2022 that 2 of the forms submitted were the wrong forms and that I need to get the correct forms. I confirmed more than once if the forms I was submitting were correct. They were not. It will take me 30 business days to receive the forms they, the car payment is already over 30 days passed due. The gap insurance does not provide refunds for the payments made throughout this entire process. I am forced to pay off the remainder of my loan to avoid my credit being hit. Even though I paid for GAP coverage, I asked on XX/XX/2022 to cancel the gap coverage through ally, and issue me a refund due to this discrepancy. I was rudely told no refund will be issued.
After further investigation of this company they absolutely disregard the needs of their customers and is SCAMMING every single one of their customers.
I purchased GAP that will not do anything to assist, but tell me wrong information purposely to ensure I am forced to pay so they do not have too. A simple XXXX search will show thousands of people with the same complaint.
|
| 12/31/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
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on XX/XX/2021 A Deer ran infront and top of my car my car was totalled as soon as I got home I started calling insurance to start claim process. Well found out I was not covered with car rental. So I called where I finance loan like around the XXXX to see if insurance had contacted them they stated no I gave them information of claim adjuster and name and number. They said okay they would put it on the account. Called back on the XX/XX/2021 Because I received an email from claim adjuster stating they waiting on letter of gurantee and title they had already cut a check for them just waiting on those items. So I call Ally Financial and they never wrote the information on when I called and they had not information from the insurance I asked for Total Loss Department and got tossed around to another Customer Service Representative. They do not have a Total Loss Department they tell me to tell insurance to call back at XXXX for Total Loss that is same number I called for Customer Service Number. I am frustrated and stressed they are not getting this done and on their web page there is no other numbers to contact just finance number, no legal department number, no total loss number. Nothing is being accomplished. At this time it is all a cat and mouse game. I have not documents on calls. Their calls are suppose to be recorded. This company claims to be number one and has all this awards they are falsefying. They need auditing by the government because they are not doing their job. Why as a customers should I be doing their leg work and why are they not noting any information down and who is the person to speak to when their is a serious issue with a damaged or wrecked car their is no information.
|
| 11/14/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American, Servicemember |
|
I have contacted Ally on XX/XX/XXXX via their XXXX contact number listed on the monthly account summary to request why these summaries do not include year to date paid in principal and interest, not just the monthly amount - and was told that was their standard practice. I explained that I paid in excess of the required payment and was concerned the excess was not going to principal as the finance charges appear to increase month to month.
I was transferred to a manager after requesting so since the response received about how interest is applied ; the agent for ally said its computed daily, and my agreement was for an annual interest rate - daily interest is not detailed in the summary or in the document I signed for the loan. I request statements be sent to me showing me the monthly principal and interest ( finance charge ) and the effect it was having on my outstanding balance - I requested those statements be sent immediately. The manager said they would call back and confirm the statements were on its way the following day.
On XX/XX/XXXX I contacted Ally via their XXXX contact number to explain I did not receive a call back, and needed confirmation the statements were being mailed to me. The agent said I should expect to receive the statements in 3 - 5 business days.
Its XX/XX/XXXX and I have not received the statements.
The truth in lending statement does not fairly disclose the types of finance charges, and interest and payment activity that if made on time, would lead to final interest and finance charges over the period of the loan - its less than I am actually paying ; the monthly summary does not provide month over month accounting of payments made and the impact to principal.
|
| 02/27/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
I continuously speak to XXXX and still no response from Executive Offices. Another request with no response. Please advise. I am a very frustrated consumer. I paid of a Ally Financial Auto early due to the mileage. Over {$5000.00}. It was turned in to XXXX XXXX in XXXX, XXXX There is a {$150.00} charge Ally claiming the Lessee, ( me ) cracked the drivers seat plastic part. I did not crack the seat. I am a very small woman and wrote a letter to your Executive Offices as instructed by XXXX. Ally Executive Offices signed for the certified letter XXXX/XXXX/XXXX. To date no correspondence pertaining XXXX to my letter.
Your representatives keep calling on a daily basis claiming never to receive any information from the Executive Offices and demand payment.
Please assist it getting a frustrated consumer that did not incur this dollar amount closed on this Lease Account.
The XXXX of being told this small dollar amount will go to collections and the numerous amount of calls each day needs to end.
We are good consumers working with you and want to have the account closed.
Please advise. This is my second email request.
Regards, XXXX XXXX XXXX On XXXX XXXX, XXXX, at XXXX XXXX XXXX XXXX. XXXX XXXXXXXXXXXX XXXX wrote : Begin forwarded message : From : " XXXX XXXX. XXXX ; XXXXXXXXXXXX XXXX Date : XXXX XXXX, XXXX at XXXX XXXX EST To : XXXXXXXXXXXX Subject : Complaint To whom it may concern, I am a frustrated consumer and getting no help with a {$160.00} charge.
I was told to write to executive offices and Ally has signed for it on XXXX/XXXX/XXXX and I keep getting calls and calls.
What is next to dispute a small dollar amount. Calls start very early and go late at night.
XXXX XXXX XXXX
|
| 10/30/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
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Ally Auto agreed to let me skip XXXX payments in XXXX and XXXX of XXXX due to my employment layoff. A partial payment of {$260.00} was made on XXXX, skipping XXXX, and then a final partial payment on XXXX/XXXX/XXXX. In reality you are skipping XXXX payments. My next full payment was due in XXXX XXXX. I paid the full payment due starting in XXXX XXXX up until right now. They are reporting me over 30 days late in XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. If you look at my payment history on THEIR OWN PRINTOUT I paid every month and never late. I have tried to work w/them you get back in the mail is a " form letter '' saying their reporting is accurate. There is no name nor no signature. They honestly do n't want to help. My credit score has plummeted over XXXX points because of this. I have their printout of all my payments made and I agree with it. I believe the skipped payments have caused an effect making my account " look '' like I was continuously " behind '' when I was n't. I paid on time until my next approved skipped payments in XXXX XXXX. In fact, why did they not report me late XXXX? Why did they skip that XXXX? It makes no sense. Just another point their reporting is flawed.
I have had this loan since XXXX of XXXX and was never late all that time. Their own printout clearly shows I made my payments. I honestly do not think they care or someone would have called me and not sent me a just a form letter not even signed. When you call you are lucky if you get someone with some smarts. They are like robots in their canned response. I do not know where to turn at this point.
Being in the mortgage business has caused numerous layoffs and I have always honored my auto loan.
XXXX XXXX
|
| 12/20/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Servicemember |
|
XXXX owes you {$3000.00} the dealer and I agreed to finance {$13000.00}. They added on warranties not under disclosure. I have documents to prove. The buy rate was set at 21 % interests. I agree to the loan amount with XXXX XXXX for {$13000.00} In violation of US COde 1662 B. XXXX XXXX I refused any warranty. I have receipts the dealer asked me to put up {$3000.00} towards the loan amount.? the Balance is incorrect. The dealer warranties include {$310.00} key protection. ( returned ) {$990.00} Dealership paint package. The amount financed is now listed on my bill as {$16000.00}. Balance should deduct all taken in cash illegally. {$12000.00} should be the tinder amount owed. Collect your money from the dealer. I would like this balance to be reported to my consumer report. Ally has not reported to any bureaus. I have made notice of the dispute for incorrect balance once ALLY post. With this information Ally has time to make it right by correcting the balance and due date before they make a report on my consumer profile. I will monitor all activity with XXXX and XXXX.
This contrat Interest with ALLY should be nullified. This mistake is going to harm the original interest amount agreed upon by the dealer. This is my consumer report and I have to report inaccuracies in the balance from ally auto. XXXX XXXX added these charges to me {$3000.00} + XXXX key warranty XXXX XXXX XXXX XXXX. Ally Financial does not have the copy of lean, copy of registration, copy of title. When I called to confront I was ignored. It was not disclosed this amount to be financed as {$16000.00} at 21.49 %. Ally Finance does not know the terms of the contract. the correct balance should be XXXX after dealership theft.
|
| 07/21/2022 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
In XXXX of XXXX my XXXX XXXX XXXX was repoed by Ally Financial for delinquent payments. During this period I never recieved any paperwork or breakdown of what they had resold this vehicle for. XX/XX/XXXX I recieved a call from XXXX XXXX about the debt that I had with Ally Financial. XXXX XXXX and myself had settled on a contract of XXXX dollars and monthly payments of XXXX dollars every eleventh of the month until I recieved my taxes to pay of the remaining settlement. XX/XX/XXXX I called to make my usual monthly payment and was told I my account was locked due to a new law that was put in placed. I was advised to call the week after to resume payment. I called multiple times until I got a XXXX XXXX who explained to me that Ally Financial had placed a hold on my payments because bthey were not satisfied with the settlement amount. She stated that none of this was my fault and that I would gain no extra interest charges and would still be able to continue the same monthly payments. She stated that she would contact me with further assistance once they had everything taken care of and that my balance was down to XXXX dollars.
In XXXX, XXXX I recieved a call from XXXX XXXX XXXX, saying that I was deliquent on my payment since XX/XX/XXXX and that I owed XXXX dollars. I stopped them and explained to them what had happened and told them that I have a settlement contract and they said thats something they cant uphold. I contacted Ally Financial and they stated how they took my debt and gave it to another creditor because they didnt like the settlement amount. When I asked to speak with a XXXX and be mailed the breakdown of what my car was sold for I was constantly transferred and hung up on.
|
| 05/18/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
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I was sent a generic notification that my accounts will be closed on XX/XX/XXXX. There was no reason given, other than to refer to their " deposit agreement '' page XXXX section XXXX. It states Ally Bank can close my account for no reason. Surely there must be a reason, I am in good account standing, I work an honest job and make good money, I am not a criminal. I have attempted calling, chatting, and secure emailing through their web site, as well as posting on their social media and messaging thru social media. The only replies I have gotten were when calling. First call XX/XX/XXXX XXXX ( duration 40 minutes ) said I would need to call back during business hours and speak with deposit operations. Called back during business hours XX/XX/XXXX, ( duration 37 minutes ), was told I could not speak with deposit operations department and that there was no further information to be given as to why they are closing my account. Was put on hold to speak with a supervisor and was hung up on. Called back 3rd call XX/XX/XXXX ( duration 9 minutes ) put on hold again and disconnected. Called back 4th call XX/XX/XXXX ( duration 33 minutes ), was supposedly put on the line with a supervisor who was not friendly and very defensive. Said they are not required to give me a reason why they are closing my account. Chat agent said they would be escalating this to a supervisor who would reach out to me. I asked how they would be reaching out- call? email? carrier pidgeon? smoke signals? They could not confirm how the supervisor will be reaching out. So it appears they are chosing random customers to close their accounts for no reason or are going out of business and closing accounts instead of being up front.
|
| 06/23/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I signed a lease with Ally for 24 months.
I made 24 payments.
Last payment made was on XX/XX/2020for the month. So the lease ends onXX/XX/2020.
Before lease end, I get in touch with Ally and they were gracious enough to give me a month free. This puts me out to XX/XX/2020.
Then I was offered an option to extend my lease up to 5 more months if i wanted. I choose to do 1 more month and that puts XX/XX/2020.
This means, I owe one more payment and it will not be due until XXXX.
Instead this whole time, my online account reflects issues with my account and shows I owe ally a lot more than I actually do. I get in touch with them through online chat on XX/XX/XXXX and again on XX/XX/XXXX and both time was assured, they will clear it up and its just slow right now due to Covid-19. I take their word for it. I save the chats for reference.
Then on XX/XX/XXXX I get a collections call. Now they are calling me to get paid. Get paid the money that i do not owe them.
I called them. I was transferred 3 times. The last person kept asking if i could hear them. No one else had issues hearing me, but this person just let me sit there for 5+ mins. while i wanted for her to be able to hear me. Finally she was able to hear. No idea how. The whole time i can hear animals in the background. I think she was at some kind of a farm ( irrelevant, but wanted to mention it ). She got back on the call and without helping ... just said I am transferring you to collections and just transferred me. The music played for 5+ mins without me being transferred and finally I hung up.
My account is still in limbo. I am afraid these guys are going to send this to collections and thats the last thing i wanted to do.
|
| 01/09/2024 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
On XX/XX/ I surrendered my XXXX XXXX XXXX after XXXX agreed to repurchase my vehicle as it was deemed a Lemon. XXXX did appropriately reimburse me for payments made, minus usage ( XXXX days/XXXX mileage worth ). I was told to cancel and request refunds from the dealership regarding the maintenance and lease protection contracts not covered by manufacturer for Lemoned Vehicles. I made this request minutes after surrendering the vehicle while at the dealership.
XXXX XXXX I had to go in and follow up, wondering where the near {$3400.00} ( one for {$1500.00}, one for {$1900.00} ) in said refunds were. 6 weeks after filing the forms. The dealership claimed they had no knowledge of any such cancellation. Further inspection and requests and my following up, I discovered XXXX XXXX XXXX and Ally Financial submitted the wrong paperwork and had shorted one refund about {$660.00}. The other {$1500.00} contract still no one is aware of.
It has now been 70 days, and I am reaching out every day to find a status and update. Ally has not responded or replied in 2 weeks. Theyre still looking into it.
I am aware and understanding of prorating the refund and adjusting for the 13 days of usage before the vehicles 1st service for the issues it was lemoned for. That prorating would still leave my refunds about {$1400.00} and {$1900.00}. I have only received one check for {$1300.00}. This was the misrepresented refund for the {$1900.00} contract. Ally has been working to process the supplement, but seem to only have produced {$620.00} of it. But that check has not been issued yet as of today, XXXX From my experience and belief, I feel they are doing whatever they can to wrongfully withhold my owed money.
|
| 11/06/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
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Web |
|
|
I bought a used XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, California on XX/XX/XXXX. According to the salesman, he said I got approved by XXXX XXXX for my auto loan. According to the contract, I financed {$50000.00} with the monthly payment of {$900.00} starting on XX/XX/XXXX. Today, XX/XX/XXXX, a lady called me and said she is the director of the Finance Department from XXXX XXXX XXXX. She demanded a check of {$55000.00} to pay off the car I just bought, which I was fully surprised about. I asked her what was happening, and she said she saw the note that I will bring a check of {$55000.00} to the dealer. I was confused about the information she just said and did not understand what was going on. I mentioned to her about XXXX, who works at XXXX XXXX XXXX finance department and also worked with me to finish the documents the day I bought the car. About 3 hours after the conversation with the director of the Finance Department, XXXX XXXX XXXX. I received a notification that someone just ran my credit report. There were 2 credit reports under Ally Financial on my record today. I called XXXX XXXX XXXX, talked to XXXX. and asked her what was happening. She said there were some mistakes on how they process the documents. I was upset and asked why they ran my credit again without my permission. She couldn't answer my question. I also questioned her about why I got my auto loan from XXXX, but the dealer ran my credit report again today. She said will get back to me when she has a chance to talk with the director. I told her I will file a complaint to the Consumer Financial Protection Bureau about this matter. I have the proof as the voicemail from XXXX XXXX XXXX as well as the contract I signed.
|
| 04/28/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Company closed your account
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Web |
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about a month ago i received an email from ally that my online access is restricted, they asked me to call them which i did, the agent i talked to wasn't nice and ended up hanging up on me! ever since i tried to reach them out but most of times i had the same experience, last time i called was a week ago, the agent hung up after XXXX minutes!
i raised a complaint to XXXX and i got a response 10 days ago, they told me that they closed my account on XX/XX/XXXX ( they didn't notify me via email or phone ) " On XX/XX/2023, we closed your Online Savings Account ending in XXXX, and the funds in the amount of {$2500.00} were placed in a holding account and will be processed in accordance with any instructions received from the bank it was drawn on and in compliance with the law '' now im not a big fan of Ally and i really couldnt care less about me being their customer, but i need my money, and i havent received a check from them yet and them saying that my funds will be processed in accordance with any instructions received from the bank it was drawn on and in compliance with the law isnt answering my concern, HOW AM I SUPPOSED TO GET MY MONEY BACK? the funds were withdrawn from XXXX to Ally, and unfortunately paypal cant help me because i authorized the payments, all i want is my money back!
upon checking online, apparently this problem isnt new, but most people reported receiving a check after having their accounts closed, i didnt and Ally i refusing to send XXXX or even give me details on how i can get my money which is frustrating, Oh and their XXXX fraud team is definitely not a professional one, i have been sending emails to them via their secure mail system and i never heard back!
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| 05/02/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
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Web |
Servicemember |
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In XXXX XXXX XXXX we contacted Ally Financial about purchasing our leased vehicle, we received the payoff amount and secured a loan to payoff the vehicle.
XX/XX/XXXX we mailed a check certified overnight to the address provided by Ally XX/XX/XXXX the check was signed for.
XX/XX/XXXX we called to verify if check was posted. The rep. we spoke to had no knowledge of the being recieved and told us it would be 30 days to post.
After waiting 30 days called again and Ally had no knowledge of the check being recieved we explained that it was mail certified and was signed by someone at the address they gave for the payoff. The only remedy was to launch an investigation. We gave the amount of the check, check #, and copy of the post office delivery receipt.
we received no correspondence from Ally regarding this matter, so we continued to call again on XX/XX/2023 and XX/XX/2023 The only solution that was offered was to send another check to the same address in which the first check was lost. The only means of purchasing vehicle was mailing a check to said address.
Since launching an investigation Ally has not contacted us about the lost check.
Since our lease was up in XXXX we surrendered the vehicle on XX/XX/XXXX, contacted Ally at the time of the surrender as of XX/XX/2023 Ally has not picked the vehicle up from the dealership. They have sent a letter dated XX/XX/2023 of notice to report negative information to the credit bureaus. We have also received collections calls which we informed them that the vehicle was at the dealership. We were told that it was illegal for Ally to contact the dealership. We contacted the dealership to inform them that the vehicle was at the dealership.
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| 01/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
I NEVER received " a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. '' Which is written in law, along with any statement from Ally Financial, so I am demanding that they remove all late payments associated with my account and issue a refund for all the late payments associated with my account.
So update all three CRA 's to PAID ON TIME NEVER LATE Immediately.
Account # XXXX
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| 11/02/2022 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
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Starting XX/XX/2022, I attempted to move money from my online savings account at Ally.com to another place. Message appeared that funds were " restricted '' so I couldn't withdraw any money. Literally, spent hours on the phone with various reps, none of whom was able to tell me why there were restrictions. Eventually, I was promised funds would be released in 48 hours. 50 hours later, funds still restricted. Eventually, restrictions were lifted and I was able to withdraw my money, but meanwhile I had spent hours on the phone and lost income due to not being able to withdraw my money when I wanted to. Despite my repeated requests by phone and by messaging as to why there were restrictions, I've never received an answer.
In addition, I had added XXXX to my list of external accounts, had gone through the account verification process ( temporary money transfers from Ally to XXXX ) and the account had been verified. On XX/XX/2022, that account was active ( I have a screen shot showing this, as well as an e/m from Ally ). When I tried to transfer Ally money to that account on XX/XX/2022, the XXXX account was suspended! I still have no logical or reasonable answer, again despite repeated requests, as to why that account was and remains suspended. Ally has told me that the XXXX account number was wrong and told me that i needed to get a letter from " the XXXX '' verifying certain information in order to get the suspension lifted. This, despite the fact that the temporary transfers were verified and the account was active.
Again, I have lost money due to not being able to transfer money to my XXXX account.
Unfortunately, I can not attach most documents b/c they contain account numbers.
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| 10/19/2021 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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ALLY FINANCIAL is falsely claiming that the documentary evidence that I sent to them on XX/XX/2021 and XX/XX/2021 was a debt validation request, which it was not. What I did send them was a dispute of " alleged '' debt based on the multitude of ways in which they've violated me as a consumer and natural person. Pursuant to 12 CFR 1006.38, by not responding to these disputes they have overshadowed my right to dispute the " alleged '' debt. However, if ALLY 's intention was to validate the " alleged '' debt on their own accord, they failed to do so by not following the debt validation notice guidelines set forth in 12 CFR 1006.34.
ALLY has not only neglected to respond to my disputes in a lawful manner but they have taken adverse action against me for exercising my right to do so. As per a letter I received from ALLY via dated XX/XX/2021 ( attached ), they state " we have placed a restriction on your account and will not accept payments unless they are made in certified funds such as a cashier 's check, money order, or payment through a third party such as XXXX XXXX or XXXX. '' In doing so ALLY is in violation of 12 CFR 1006.14 for oppressive and abusive conduct, 12 CFR 1006.22 for attempting to collect an " alleged '' debt through unfair and unconscionable means and 12 CFR 1006.6 ( c ) for attempting to collect an " alleged '' debt after receiving a cease communication notice from me on XX/XX/2021.
Nevertheless, pursuant to 12 CFR 1006.34 I am lawfully entitled to request a validation of this alleged debt, which I am now officially doing. With that said I have sent ALLY and their CEO an official validation request via certified mail, which was confirmed received on XX/XX/2021.
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| 05/22/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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I leased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX Dealership ( XXXX XXXX, CA ) and Ally Bank was my financier. It was a 3 year lease that began XX/XX/XXXX and was payed in full by XX/XX/XXXX. This was before the contract end date of XX/XX/XXXX. I turned in the vehicle on XX/XX/XXXX and received all assurances from the car dealership ( XXXX XXXX XXXX - XXXX XXXX, CA ) and Ally bank that I was done with payments and that I had fulfilled my end of the lease agreement. However, the following month on XX/XX/XXXX {$280.00} was mysteriously deducted from my bank account by Ally for the leased vehicle I had turned in a month earlier and paid off almost two months prior. I called Ally and after a while they admitted the deduction was taken in error, but would not agree to refund the money back to me. They stated I had to wait until the car was auctioned to get my money back - the money they took in error. This was never explained to me and furthermore, how am I linked to a lease vehicle until it is auctioned. This was never stated in my contract. Would never ever lease the vehicle if I knew this was a condition of the agreement. We are in the midst of a global pandemic and I can not afford to lose {$280.00} whenever Ally decides and then refuses to return to me. I also do not want to be linked to this lease any longer. No one at Ally can explain to me why and how I can formally and fully relinquish ties with this lease. Please help.
All Correspondence with Ally Bank : Calls / Case Number : # XXXX - Spoke to XXXX # XXXX - Spoke to XXXX # XXXX - Spoke to XXXX XXXX / Case Number : # XXXX # XXXX Called XXXX - Executive Customer Relations, Ally XX/XX/XXXX - Voicemail XX/XX/XXXX - Voicemail
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| 02/23/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
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Web |
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I had a vehicle that was totaled in an accident. The after the insurance paid and the warranty refund was received by Ally, they filed for the Gap Insurance payment to cover the balance. I received a paid in full letter on XX/XX/2017. After that on XX/XX/2017, I received a second letter demanding {$370.00} that they said I owed as a balance. I contacted them immediately and spoke to XXXX ( ref # XXXX ) and disputed the claim - letting them know that they filed GAP and provided a paid in full letter. She agreed and said she would investigate and contact me back within 24-48 hours. No one ever called me back. In the meantime, I am purchasing a home and have a mortgage approved based on the pay off of this loan. My credit report reflected the XXXX balance but on XX/XX/2017, Ally falsely reported that I now owed {$29000.00} on this same account. I called them ( today XX/XX/2017 ) and spoke to XXXX XXXX reference # XXXX XXXX. He stated he was sorry for the issue and agreed that I did not owe Ally {$29000.00} on this or any other loan. However, he stated he would need to look into and will get back to me. He had no explanation for why XXXX did not contact me. At this point, it must be removed from my credit report or I could lose my approved mortgage loan on my new home. This is a clear violation of the FDCA. I 'm livid that they can do this to someone - especially when we cooperated fully after the car was totaled and all payments to them were timely. Please help me! I have copies of both letters from them - the paid in full and then subsequent demand - along with a copy of the portion of my credit report that shows they falsely reported an amount due on this account that is NOT due.
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| 04/28/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
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I am writing to file a complaint against Ally Financial Bank regarding the mishandling of my loan payments. I have been a customer of Ally Financial Bank for several years and have always made my payments on time. However, in the past few months, I have encountered several issues with the way my payments have been handled.
Firstly, I noticed that Ally Financial Bank has been reporting incorrect payment amounts to the credit bureaus. Despite making my payments in full and on time, my credit report shows that I have missed payments or made partial payments. This has resulted in a negative impact on my credit score and has caused me great distress.
Secondly, I have made overpayments towards my loan balance, but Ally Financial Bank has not applied the excess amount to my principal. Instead, the bank has applied the overpayment towards future payments, resulting in interest accruing on the balance unnecessarily. This is an unfair and unjust practice, and I demand that the excess amount be applied towards my principal balance as soon as possible.
I have attempted to resolve these issues by contacting Ally Financial Bank 's customer service department, but I have not received a satisfactory response. Therefore, I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) to seek assistance in resolving these issues.
I request that the CFPB investigate this matter thoroughly and take appropriate action against Ally Financial Bank for the mishandling of my loan payments. I also request that the bank correct the reporting of my payment history and apply the overpayment to my principal balance as soon as possible.
Thank you for your attention to this matter.
|
| 08/11/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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My auto loan was deferred for 4 months starting in XXXX and end in XXXX.
My payments should have automatically pick up again on XXXX XXXX. But for some reason on Ally end the payments are not going through .I called pertaining to late payments notice I receive and went on to Ally website to make payment myself and Ikeep getting a message that read ( The payment account you selected is temporarily unavailable. Select another payment account or try again later ). I attempted this several times yesterday XXXX XXXX, plus chat with XXXX and XXXX and XXXX was no help she suggested that I pay through XXXX XXXX and incur a {$4.00} service fee. I told her Ally need to fix the issue and I'M not going to use XXXX XXXX .Then XXXX transfer me to speak to XXXX who place me on hold for XXXX minutes and told me the was fix and that I could make payment. I tried again and was unsuccessful. I called Ally XXXX XXXX XXXX XXXX And spoke to a represented and she told me she would make notes in my chart about the late fee and that she see that Ally correct the issue, and to go on later in the day and put payment through and then give them a call back tomorrow to set back up direct payment. I attempted to make payment again did not go through yesterday, I reattempted the payment this morning did not go through. I spoke to XXXX today and went to XXXX XXXX incur a {$4.00} charge and was told I would be reimburse the {$4.00}. I made the payment through XXXX XXXX and now I will look for my {$4.00} REIMBURSEMENT.I left the conversation with this is the one and only time I'M making this payment through XXXX XXXX and for Ally to fix this issue so they can receive my payment to automatic payment on XXXX XXXX
|
| 12/06/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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Web |
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This additional information against Ally Financial. Exposing the fraud theyve committed on my account. Ive attempted to satisfy the debt obligation numerous times. I have proof with in the photos. Ive sent in private money orders. etc. Theyve kept them sent me copies and said its not acceptable. XXXX sent another registered remittance coupon for settlement. However yet keep it! And sent copies back all my instruments with my wet ink signature on them. They kept and didnt credit the account. While telling me its unacceptable or flat just saying they received the instrument. And are not accepting it. Dishonor for years Ive had to stress and deal with this. Ive had enough and Id like justice for all of the years of stress and dishonor they continued to do. Theyve messed up my credit.
Payments were made they reversed all of them! My car was in the status of release of title etc. Proof in the pictures!
XXXX Had the account audited you can plainly see this car was paid off.
XXXX Had an audit they dont even show the payments that were reversed. Plainly violating fed wire ACH laws by reversing payments. They took that out and sent the enclosed audit. XXXX payments not even on this XXXX audit they removed them.
The account was finally closed and paid in full status XX/XX/XXXX. They then reopen it put it back on my credit report shown in the pictures. How is this not illegal!!!!??? Im quite sure Im not the only one going through it with this Fraud company. They are restricting my ability to live. I cant get a mortgage loan because of the credit history theyve put on my credit. All because they are crooks. Please help!! DONT DO ANY BUSINESS WITH ALLY FINANCIAL! YOUVE BEEN WARNED!
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| 09/18/2019 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Deposits or withdrawals
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|
Web |
Older American |
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On XX/XX/XXXX at XXXX, Pacific Daylight Time, I called the Ally Bank customer service department XXXX to inquire about the beneficiary listed on my two certificates of deposit. Each year I review my financial plan as I am XXXX years old and in poor health, to make sure all my records are up to date. After asking my identity and confirming same, I was placed on hold for 15 minutes after which a different representative came on line to advise she could not reveal that information. When asked why, she could give no answer, After being placed on hold for another 30 minutes, a supervisor came on the line and advised he could not tell me why I could not receive the information stating that there was fraud. He immediately withdrew and apologized for the comment and advised that someone would be contacting me in 48 hours. The length of this phone call was 52 minutes only 7 of which were conversation, the remainder of the time I was on hold. On XXXX at XXXX Pacific Time, a representative from Ally called and left a message to call back. I returned the call to XXXX was placed on hold for 10 minutes then told to leave a message which I did ; still no callback as of today, XXXX, XXXX, Pacific Time. I have been locked out of my account with no verbal or written explanation given. Material information has been concealed and further, I was defamed by being told there was fraud and not by whom, if any and finally, I have been dealt with in extremely bad faith. I do not trust Ally bank with my funds any longer and want them returned at once. I have no idea what is going on. Please feel free to demand a copy of the recorded transcript if you have any doubts as to the accuracy of this complaint.
|
| 08/20/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
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Web |
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I received credit denial for an auto loan from this bank from a dealership ( XXXX XXXX App # : XXXX ). Their reasonings for credit denial were based off of credit reporting for items that went delinquent due to unemployment delayed from a XXXX and several XXXX unemployment claims still unpaid and unresolved. And zero pandemic assistance received during the entire COVID-19 timeframe. Everything was delinquent and caused my credit issues because of delayed unemployment, delayed assistance, and I applied for thousands of jobs claiming to be hiring and they were not. I started doing XXXX XXXX XXXX of XXXX because I was homeless and sleeping at rest stops seeking help for shelter, etc. Or I was denied the jobs based off of EEOC violations. In which case, I have hundreds of complaints filed with all of these agencies that went unresponsive for a year or longer.
I am owed roughly {$42000.00} to {$96000.00} in unemployment money. I wound up homeless and lost my FHA HUD backed mortgage waiting on nothing to happen. And my congressman sent the police to my home to have me XXXX and committed for a XXXX XXXX versus resolving what I was contacting his constituent services about. Him and all other political representatives in my district and directors on all levels of government agencies received hundreds of letters, emails, calls, etc., from me and NOBODY responded over a 4-year period. Which prompted a congressional ethics complaint. Prompting me to go about this in this manner to prove a point to the lack of action and response from people who are supposed to be a service to the public and I was a taxpayer. And now am again.
I'm not in my situation by choice. I didn't create this!
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| 05/17/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Servicemember |
|
I have already filed one complaint on this subject and while Ollo refunded some annual fee, fees/late charges, they still have failed to adjust the interest rate charges, my interest rate, lower my monthly minimum payment back down to an affordable payment in the {$40.00} and below rate as before and also have charged me another late fee while I have emailed communication to them in making them aware of this! Then, I never get a response back. Instead they send me text and leave me voicemails that my payment is late. But, how am I expected to pay when they havent done as I have listed in detail above?! l will also post my original complaint on below as well as state this all started when Ally took over Ollo.
In XX/XX/XXXX, Ollo Card / Ally suddenly and randomly charged me a {$39.00} annual fee, which when I signed up for my Ollo Rewards Card with Ollo the terms clearly stated No Annual Fee. After I reported this to Ollo as well as her to the CFPB, Ollo Card / Ally reversed/refunded the {$39.00} annual fee, but I was also charged a late fee of {$29.00} on the same day XXXX XXXX XXXX XXXX XXXX as the now reversed/refunded {$39.00} annual fee. This {$29.00} late fee has yet as of the writing of this complaint today been refunded. I send online direct communications to Ollo Card / Ally through secure messaging and uploaded proof of these charge ( s ) securely through being logged in to my Ollo Rewards Card account on www.ollocard.com. Please have refund the {$29.00} late fee as you have already done with the {$39.00} Annual Fee in error they charged. As well as revert my percentage rate back to what it was before the {$10.00} no interest payments plan setup up around XXXX XXXX
|
| 04/25/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Older American |
|
1 ) Ally Financial have been allocating the payments I specifically designated as going towards the PRINCIPAL amount of the loan, to the Finance Charges Paid. By doing this they are collecting much more Finance Charges than they agreed upon.
Please, see the attached payment history I received from Ally XXXX XX/XX/XXXX.
For example please take a look at the last payment I made on XX/XX/XXXX, I had already paid XXXX payment due on XX/XX/XXXX. I designated the entire {$200.00} to the loan Principal, Ally allocated only {$170.00} to the principal and {$23.00} to Finance Charges Paid.
This is not just this payment, please look at payment for : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX amount was allocated to the loan principal.
2 ) Ally claim that I asked for 180 days extension to the loan, that is ABSOLUTELY FALSE. Please, see payment made on XX/XX/XXXX, then on XX/XX/XXXX, that is only 120 days. I called Ally in XXXX of XXXX asking if I can postpone my XX/XX/XXXX payment due to COVID 19, they offered me 3 additional months, they failed to explain that I will be charged all these outrageous Finance Charges.
3 ) Ally took advantage of my circumstance, that I had only a couple of hours to either buy my leased car or turned on. Yes, I had some family emergency and I was working and XXXX XXXX told me it will be very simple to buy the car and finance it at the dealer. I had a very good job at the time, and my credit score was very good. Yes, I signed the agreement, however, the interest rate I charged was much higher than it should be.
I am hoping by bringing all this up is that the CFPB take a strong action towards Ally Financial so they stop using these tactics.
|
| 06/23/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
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I instructed the bank to write a check for my apartment lease using the bank 's on-line bill pay service for the lease payments due XXXX XXXX and XX/XX/XXXX. The payment was not delivered on time and each time I was assessed a {$50.00} late fee by my landlord. The Ally Bank online services agreement states that " We will be responsible for any late payment related charges up to {$50.00} should a payment post after its Due Date as long as the payment was scheduled in accordance with the Scheduling a Payment Section above '', and I would like the bank to uphold its side of this agreement. On XX/XX/XXXX I sent a message to the bank with the details of the missing payments, copies of statements showing the late fees charged, and a copy of the lease showing the payment due date. On XX/XX/XXXX the bank sent a message back saying that I should expect a substantive response within XXXX hours. I did not hear back from the bank until over XXXX weeks later, though on XX/XX/XXXX a single {$50.00} refund posted to the account. On XX/XX/XXXX I spoke to a representative and clarified that there was still XXXX additional {$50.00} payment missing. On XX/XX/XXXX I called back and the representative said that the case had been earlier closed, and who claimed to reopen it. On XX/XX/XXXX I called again and a representative told me that the case was open but with no ETA and no update. On XX/XX/XXXX, now XXXX months after the initial request, I called again and the representative told me the case had been closed in XXXX and never reopened. Given the runaround and broken promises on this case, I am escalating this issue to the CFPB. The reference number for this issue provided by the bank is XXXX.
|
| 03/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been.
Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss.
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts.
This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''.
The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future.
I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
|
| 11/30/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
Older American |
|
I received a billing from ALLY bank after I turned the vehicle in in a purchase of a new vehicle. The charge was for a windshield crack and an interior piece that had a crack in it. The windshield was waived reluctantly on their part when I challenged it based upon the actual cost to replace it and not being given time to report it to my insurance for a comprehensive claim. In this case it was wrongly charged and taken back. Nothing to get from that except them realizing they had been wrong. On the interior piece they stood on this for {$100.00}. There was a very confrontational communication between me and one of their representatives leaving me with bitterness towards their practices. There was a statement something like and issue will be made of this by the representative. I have come to find that given they record interactions " for training '' this one was not found. I come to find that ALLY chose to charge it off and report it to my credit report as such. Recently I was advised that the destruction done to me through this action was severe, vindictive and an egregious act. I contacted a representative as high as I could get to find that they remain against the customer and over {$100.00} they are able to ruin a person forever. I will broadcast this situation every chance and in every location I can. I know they don't care yet maybe just maybe a consumer thinking about using their services will think twice about going through with it. The situation is just plain wring and I can hope that the company and its practices are found out and dealt with accordingly. You can always hope there would be a penalty for taking advantage of the consumer. ALLY Bank account number XXXX
|
| 02/17/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
I am writing this complaint because Ally Bank is not doing the right thing by it customers. I was in the process of buying my leased vehicle and had started the process prior. Unfortunately i got into a car accident on XX/XX/XXXX and the insurance company deemed the car as totaled. The market Value of my truck was XXXX and the buyback or payoff for the truck was XXXX dollars. Any normal finance company will do the right thing as the vehicle will be paid off the difference would of been sent to the customer. If i had not gotten into a car accident i would of traded the vehicle in and received those funds towards a new car. When i called the first few days i was told " on a recorded line '' by a representative named XXXX that i will receive the difference sent to me via check. I waited a week and called in to be told that i wouldnt get anything back and that ally owns the car. I suggested that i can buy the car in cash and was told that i couldnt do that due to the nature that the car is totaled. This feels like a fradulent activity and that Ally should be held accountable, I demand a refund of the money that the car was overpaid for due to the fact that i had started the process prior to the accident and have an option to buy the car. I was told no that i couldnt even purchase the car. I would of gladly been paid off by the insurance company and kept the excess cash to be placed on the purchase of a new vehicle. I want Ally to make this right and to do the right thing for its customers. I feel betrayed, lied to and taken advantage of. Getting transferred from XXXX place to another being told things that were untrue and then now being told that i am not entitled to my money.
|
| 09/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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On XXXX Your company responded to my complaint with the CFBP stating that the incorrect account from Ally Financial has been deleted. As of XXXX this incorrect account from Ally Financial is still reporting to my credit file as should be removed as soon as possible. I am making a formal complaint that you are reporting inaccurate credit information. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. I am distressed that you have included the below information to my credit file, your organization has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Under the laws of the FDCPA, I have contacted the collection agencies myself and I have not been able to get them to respond or to verify that the debt is indeed mine. The FCRA Requires you to verify the validity of the information you have placed on my credit file. If the validity can not be verified, you are obligated BY LAW to remove this item. There is a clear case of unverified debt here and I urge you to remove this item before I am forced to take legal action. My lawyer has advised me to file an FTC report, which I have done so. Our next step will be to bring this information forth to a judge in my area, while I prefer not to litigate and contact the media, I will use the courts and publicity to enforce my rights under the FCRA. The following accounts are the result of the XXXX XXXX XXXX which my information was a part of, I have attached legal documentation to this letter. I look forward to a fast turnaround.
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| 12/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I am writing to file a formal complaint regarding unauthorized actions taken by Alley Bank in relation to my business account. My name is XXXX XXXX XXXX XXXX XXXX, and I am the sole proprietor of XXXX XXXX XXXX, which is a limited partner with XXXX XXXX XXXX. I recently discovered that Alley Bank had listed me as a co-signer for a vehicle without my knowledge or consent. I have never authorized, nor signed any documentation that would make me a co-signer for any vehicle, especially without my explicit consent. This unauthorized action has had severe negative repercussions on my personal and business finances. At the time when I supposedly became a co-signer for the vehicle in question, I was experiencing significant financial hardship with my personal vehicle, which was coincidentally tied to the same account. This situation has caused immense distress, particularly as it directly contradicts my intention to limit personal liability by conducting business as a limited partner with XXXX XXXX XXXX. Furthermore, it has come to my attention that this unauthorized co-signing has adversely impacted my credit report, which has hindered my ability to conduct business with my personal assets. This erroneous listing has had a detrimental effect on my financial standing and has caused unnecessary complications. Considering these circumstances, I have sought legal counsel and have retained the services of Attorney XXXX XXXX to address this matter. I am hereby requesting that Alley Bank rectify this issue immediately, revoke any unauthorized agreements, and ensure that I am not subjected to any further contractual obligations or harassment in relation to this unauthorized co-signing.
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| 08/23/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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Im XXXX XXXX and am declaring that i am a first-hand witness to the facts of this offence.
Im aware that Ally Bank/ Ally Financial continues to violate me and my consumer rights and protections provided by the federal government.
Ally Bank/ Ally Financial is responsible for having my vehicle illegally repossessed without any type of writ, warrant, or other type of judgment or order against me.
Ally Bank/ Ally Financial is using coercive tactics in order to obtain payment when again the alleged debt has never been verified under the penalties of perjury.
Ally financial/ Ally Bank has envoked the Fair Debt Collections Practices Act and is accusing me of owing an alleged debt that has never been verified under the penalties of perjury and by and through their actions is resulting in substantial harm against me.
Ally Bank/ Ally Financial actions has also resulted in gross negligence due to this company repeatedly sharing my personal and private information invoking the XXXX XXXX baily act and and the privacy act of 1974 and never having my direct consent to do so. these actions are harming me substantially.
Ally Bank/ Ally Financial has severely ruined my reputation by reporting my personal and private information to private entities namely Credit Reporting Agencies and never gave me proper disclosures before furnishing my private information Ally Bank/ Ally Financial has committed and continues to commit several crimes under title 18 including but not limited to bankruptcy fraud, false claims under the bankruptcy code, extortion, aggravated identity theft, theft, mail fraud, conversion, embezzlement among other crimes.
Ally Bank/ Ally Financial is BREAKING THE LAW
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| 11/28/2018 |
Yes |
- Checking or savings account
- Savings account
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- Closing an account
- Company closed your account
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Web |
Servicemember |
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Ally closed my savings account on XX/XX/XXXX, with no notification. I went to transfer/withdraw my funds on XX/XX/XXXX, and my account was listed as closed. I called Ally, and the customer service rep didn't know why they closed it. She advised they mailed me a letter in the beginning of XXXX ... still don't have it, it's now XX/XX/XXXX.
I contacted customer service again today, looking for my funds. They advised they posted a notification on their website about closing my account. I only use the mobile app, which they should know from their security logs. The rep walked me through accessing on the mobile app, and guess what? No notifications.. " oh that's odd, sometimes we have problems with the mobile app '' I was never notified, never communicated with, never told Ally would close my account.
Further, I not only have missing funds but I have two direct deposits going in this week. Ally refuses to help in anyway. The agent tonight, XXXX from Arizona, confirmed that Ally closed my savings account as I used my savings account too much. Ally is attempting to use Regulation D, however, regulation D doesn't specifically say my account has to be closed. It could have been converted to a different account type, that option would have been much more customer centric.
I've called into ally many times over the past 2 months ... not once did anyone ever notify me that I was in jeopardy of having my account closed due to using XXXX to send money to a XXXX woman, nor did they tell me I use my savings account too often.
Also, XXXX from Arizona let me know about the systems limitations at Ally and what she told me does not match the resiliency information filed with the Fed.
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| 08/09/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
Servicemember |
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In XX/XX/XXXX, I was approved for a vehicle ( XXXX XXXX XXXX ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ) through XXXX XXXX. The monthly payment was around {$640.00}. I provided the necessary documentation-2 current pay stubs, proof of residency ( lease and utility bill ), employment history ( 17 as a XXXX ), etc. I was there with my XXXX daughter and of course was complimented many times about her. I was told that my 1st payment would be around XX/XX/XXXX. In XX/XX/XXXX, I received a welcoming call from XXXX, that provided me with information about my upcoming payment. A few minutes after the call ended, XXXX called back to ask me if I was on XXXX leave ( I found this to be very odd that they knew that I had recently XXXX XXXX ). I said " yes '', and then we hung up. I never received the information about how to make a payment. A week later ( now a month of driving the vehicle has passed ) XXXX ( a lady named XXXX ) called to inform me that the loan was denied because I was on XXXX leave-despite the employment history and my current pay stubs. I wanted to know how XXXX knew that I was on leave. She was n't sure, but that I should n't worry and that XXXX would handle it. They " handled '' it by making hard credit inquiries without my permission- XXXX ( twice ), XXXX XXXX, XXXX XXXX, and Ally. In XX/XX/XXXX, I sent a certified letter with a signature receipt asking them to remove the unauthorized inquiries within 30 days. Their response was for me to return the vehicle. The signature on the receipt was on XX/XX/XXXX and the 5 inquiries are still on my credit report, my score has lowered, and I am still without a vehicle. I need your assistance in this mattter.
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| 12/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Re : ALLY FINCL - XXXX Opened - XX/XX/ I was a cosigner for my father on the above-referenced account he used the vehicle, and he made all the payments on it, and we returned it.
For some reason, the odometer and damage disclosure statement was never filed. This was a mistake by the dealer. After working on this for a while I finally got hold of this statement and its attached to this letter.
When I spoke to the bank they explained to me that the dealer called them and told them that they got the vehicle from me and they should come pick it up but when they came to pick it up, they found it in a body shop. so they did not want to pay the money that the body shop asked for the vehicle, so they never picked it up The dealer is a representative of the bank since I returned it to the dealer and the bank confirmed that the dealer received it for me without any damages it is not my responsibility to get it from the dealer to the bank.
This account should be deleted from my name immediately This account with Ally Financial many times but they completely ignored me. Every time I called, they explained to me that they could see that I gave it back to the dealer but they never picked up the vehicle from the dealer I also disputed this item with the credit bureaus but I've got no reply from Ally Financial Please see the documentation attached.
This is extremely unlawful, that I have to go through such hard work and pain because I was denied several mortgages because of something I had no idea about. the dealer never notified me that it was not picked up, and Ally Financial never notified me that they never got it from the dealer they just put it on a collection of my reports
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| 04/13/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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on XX/XX/2022 i made a request in good faith as a Natural Being, under UCC 9 - 210 to Ally Company and its associates on XXXX thru the cfpb to produce documents in good faith, on XX/XX/2022 Ally Bank Responded in Error and somehow is above federal law and dont have to respond to consumer rights, Ally Bank has use deceptive language in there response, and causing me even more harm, by causing me worry and stress because they are not abiding by Federal Law.
my request was simple produce a Record Authenticated to Prove you have a Legit Security Interest in this so called loan, Ally Bank sated i Entered into a Sales Contract as a response to my request under UCC 9-210, A Sales contract just proves i extended to you Ally Bank my Social Security number and there was a credit transaction performed not a loan and your sales contract only proves that, the entire process is was fraud, including not disclosing how you came up with a interest rate as well as forcing me to pay for insurance out my own pocket when that too should of been already included in the transaction.
now Ally Bank in there response dated XX/XX/2022 basically didnt prove any security interest as legit lein holder but now using threating terms in there written response causing me more harm and more pain and stress to my family and mental state because now they are invading my privacy saying they stil will contact me and possibly come steal my property that ive purchased thru my line of credit thru a credit transaction, the UCC 9-210 would of provided the proof to show that it was never a loan but a credit transaction, now Ally Bank are XXXX XXXX and threating me with deceptive language and now i am Damgaged
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| 06/16/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/2023, at XXXX XXXX XXXX XXXX sent me an email stating my account was in blocked status and that I needed to upload my ID to be verified. I uploaded my ID and the XXXX system said it was verified and that my account was then unblocked. On XX/XX/2023 at XXXX XXXX XXXX I received another email from XXXX stating my account was then blocked and permanently closed. I called XXXX on XX/XX/XXXX shortly after receiving the email and the representative said that it was because Ally bank told them that my {$400.00} transfer that I initiated on XX/XX/XXXX was unauthorized. I called Ally and they stated that was not true that the issue was on XXXX end that XXXX would not verify information to Ally for the business attachment to proceed. Ally suspended every single transfer and bank account I had with them and linked to them. After a phone call they unsuspended everything but the XXXX transfer.
I was told by Ally that the transfer will be sent back to XXXX. I asked them how that can happen if XXXX closed the account. They said I had to call XXXX. I called XXXX to see about getting the account unblocked. They then said it was blocked due to unusual activity but wouldnt explain further what that meant. They said that the money would still go through to Ally because my XXXX was closed that it would not be sent back to XXXX.
There is no reason XXXX should have closed my account. There was no unusual activity. Taking money out of an account is not usual activity. The transfer was completely authorized by me via my Ally account. I can prove I own the XXXX account and the Ally account. I want my XXXX account unlocked. I want my {$400.00} transfer to go into my Ally account.
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| 10/19/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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My complaint is about Ally 's unwillingness to help their customers when they are having issues making a payment. Let me preface this by stating I have perfect credit, I've always made my payments on time for all my bills. Unfortunately I was laid off my job a few months back and I continued to make my lease payments, I've been paying on this lease for about a year and a XXXX so I'm half way through the lease. I called Ally customer service and asked for an extension which the person I spoke with said they'd grant and everything was good. The following month I get an email stating my account is delinquent, I call and speak with collections who states they have no notes to show I ever called. They said they can offer me a 2 month extension, but the fee was {$800.00} dollars .... {$800.00} is more than a car payment and this is just a fee not even a payment. I don't have the money to make the payment is the issue and the company wants to charge a very excessive fee. Absolutely unfair business practices and predatory lending preying on those that are already struggling asking for assistance. I XXXX XXXX the vehicle, it has less than XXXX miles on it and has equity, but I can't even sale the vehicle because Ally wants to charge MSRP to anyone that is not the owner of the car. I asked about a lease buy out and they said it would be almost $ XXXX dollars, I only owe $ XXXX on the remaining lease payments. I spoke to the executive response unit after making a complaint and they were basically just another collection agent telling me how I agreed to the lease terms and could offer no assistance or empathy. I'd never do business with Ally again and don't suggest you to either.
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| 05/01/2022 |
Yes |
- Debt collection
- Auto debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I wrote to Ally Financial in regards to an alledged charge off debt observed on my credit report and I got a response from XXXX XXXX XXXX XXXX XXXX with an invoice with incorrect and confusing information.
High balance of {$9500.00} and a monthly payment of {$19000.00}. how can the monthly payment be higher than the high balance. they have the date last paid as XX/XX/16, charged off the account on XX/XX/16 yet they said i was 90 days late. how did they get 90 days between XX/XX/16 and XX/XX/16. they record the number of payment remaining as 1 while their term according to the invoice is XXXX months and according to their invoice a few months payment was made on the account. There is a confusing payment history that i cant understand or explain but i will upload the document so it can be viewed. they provided all three credit bureau with different information therefore the account has been re aged on two of the bureaus which is a violation of my rights as everything on the credit report should be 100 % accurate.
all these errors have been hurting my scores for years aslo hurting my ability to get a loan or move forward with my life. this account is outside the statue of limitation.
15 U.S. Code 1692b section 5 states collection agencies can not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 15 U.S. Code 1692b ( 2 ) not state that such consumer owes any debt ; ( XXXX XXXX XXXX XXXX XXXX ) violated my rights in this regards.
both XXXX and Ally have violated me.
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| 07/28/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
Older American |
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Car repossessed had been given a reprieve on payments due to evacuation of California XXXX and pandemic. I was temporarily XXXX.
They towed my car once established, I had been trying to reach them and they had my new temp address. With no response or paperwork they took my car on my moving out date.
I paid all my fines, finance charges and on XX/XX/XXXX was able to retrieve my car that was moved again to auction yard 2hrs away. I called Ally and asked for my pink slip and was told I would have to wait 45 days. I asked for paperwork that explains this. Never received anything. Gave her my new address and waited. In XX/XX/XXXX I had an alert from XXXX that I have XXXX outstanding on my credit report?
Why no bill like other financial institutions? I pay my bills, you have my email as well.
My car hasnt ran well since I picked up from the 2nd salvage yard. It hadnt ran since and now I need to sell it so I can buy a car. My mechanic is looking at it and said it could be from the towing and is taking photos.
I would like my pink slip on 30 days and the XXXX charge forgiven as I have paid already XXXX plus fines that are more then the car is worth. The car had been paid in full.
I am sending this letter as requested to out XXXX XXXX tv news station that helps consumers deal with corporations. They air the dispute on the news as well.
I will follow up as I have reached out several times to Allys complaint and dispute department, all I get is texts saying someone will call. 5 hours no calls yet Thank you for taking care of this in a timely manner.
Here is all my pertinent information : XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX
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| 11/28/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Problem with additional add-on products or services purchased with the loan
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Web |
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On XX/XX/XXXX I bought a car at XXXX XXXX Dealer, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX With VIN : XXXX, finance by Ally Financial for the amount {$30000.00} for a period of 72 months payment {$52000.00} per month. Unfortunately, The car is defective. The car suffered from a hidden defect was discovered the next day XX/XX/XXXX. I quickly noticed the failure. I am disappointed because after running on XXXX at XXXX XXXX, I received a noice XXXX XXXX XXXX. theres something rubbing inside the steering wheel that spreads all the way the wheel whe I am running on Highway. To resolve the problem, I returned at XXXX XXXX XXXX on Sunday XX/XX/XXXX. I would like for you to replace the car with a new one thats not defective.I negotiated for another car but the dealer refused. The dealer told me to go to a XXXX XXXX House to fix the problem. On Monday XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX XXXX Ones given to me an appointment in a month. I called the dealer on phone to tell them the appointment is for XXXX month. I look forward to your reply and a resolution to my problem, and will wait until XX/XX/XXXX, XXXX car was returned to the XXXX on XX/XX/XXXX, the dealer refused to return the plate to XXXX. I canceled the insurance ( XXXX ) and I called Ally Financial to make aware the car has been returned. In a letter dated XX/XX/XXXX, Ally Financial has the vehicle. The car has been sold on XX/XX/XXXX by Ally Financial. In my credit report Ally Financial reported balance {$310000.00}. I am writing to complaint for XXXX car dealer and Ally Financial for the wrongs they caused me. I sent you all documents that the request will be processed.
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| 06/11/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
Servicemember |
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On XX/XX/XXXX, I traded in my XXXX XXXX XXXX XXXX Truck, VIN XXXX for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXXXXXX. I also purchased GAP for {$890.00} and the extended warranty for {$2800.00} as offered to me by XXXX XXXX ; both through XXXX. The payoff amount for the XXXX XXXX was {$5300.00} to XXXX. XXXX XXXX offered financing through Ally Financial. I accepted this offer. My Ally Financial loan number is XXXX To date, XXXX XXXX has not paid off my trade in ; nor has XXXX received payment for my GAP or the extended warranty. Because I value my good credit, I am continuing to make payments to both XXXX and Ally Financial. I have attempted to get this resolved with XXXX XXXX XXXX XXXX XXXX on many occasions and the General Manager, XXXX XXXX, continues to give me the run around. I have also spoken to Ally on numerous occasions and they claim there is nothing they can do for me. After researching this dealership ( owned by XXXX XXXX XXXX XXXX ) and its relationship with Ally Financial, Ally Financial is knowingly and maliciously financing XXXX 's scam of not paying off trade-ins and not paying the GAP companies. I have attached all of my documentation, news stories of the scam as well as a pending lawsuit involving this exact same situation and as Ally Financial as a defendant. This scam has been going on for several months and Ally was fully aware. I am needing resolution to this situation ASAP and no one is helping me.
Ally Financial XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, General Manager XXXX XXXX XXXX XXXX, scammer XXXX XXXX XXXX XXXX XXXX, XXXX owner, scammer XXXX
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| 04/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I consistently check my report. I notified Ally Financial due to it showing I was late for XXXX 's payment when it was made timely. I contacted them and was told XXXX 's payment had been missed as I have never missed a payment on this loan since I acquired the loan. I had a lot of things going on within my family when this mistake occurred. I resolved this issue immediately and made sure to make a payment and set up a deferment plan for one month in which I was told to make a payment in XXXX for an amount given which was done timely per the below agreement.
Ally Auto Alert Ally Hello, XXXX XXXX XXXX We've got a new document ready for you to sign.
Your document is waiting for your electronic signature. Log in before the expiration date to review to electronically sign : Retail FFP Extension Agreement Expires : XX/XX/XXXX If you don't sign your document before the expiration date, your due date won't be extended.
Questions? Call us at XXXX Available Mon Fri, XXXX XXXX XXXX XXXX ET Saturday XXXX XXXX XXXX XXXX ET Closed Sunday Access Ally Auto Online Services at allyauto.com I checked my report after the deferment was paid and meet and completed. I saw there was two negative late payments shown for XXXX and XXXX when payments were made on XX/XX/XXXX for {$290.00} and XX/XX/XXXX which is under 30 days and I received a negative report of late payment for both months. I have made a dispute through XXXX and this was not fixed or removed to show I was on time for the payments made. I tried to dispute this on another occurrence and was told that I could not dispute the same thing more than once.
Please see what can be done for this to be corrected.
XXXX XXXX
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| 02/23/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Back in XXXX of XXXX, I had some work done on my furnace. Through a company named XXXX XXXX XXXX XXXX XXXX XXXX. The work was completed to my satisfaction, and they also offered zero Finance promotional credit which I took advantage of. This promotional credit was through Ally Lending FDIC Cert # XXXX. If I paid the balance off within a year, there wouldnt be any interest add it to my account. I paid off the loan in 10 months on XX/XX/XXXX. Per their instructions, I set up an automatic payment of {$350.00} every month. In XX/XX/XXXX the last payment should have only been {$310.00}, but they took the full amount to {$350.00}. I reached out to their client service department, and they told me I had to wait two weeks to file a complaint for the overpayment. I felt that that was unacceptable and let them know that. I waited until XX/XX/XXXX, and filed a complaint, I was hoping that this would be resolved in a timely manner. It's now over a month and I still have not received a refund for the overpayment that they took an error. Ally lending employee customer service basically gave me the run around couldn't give me a date of when this is going to happen and said that they had nothing they could do at this time. The representative also said it's just {$40.00} why you are making a big deal about it. All along the way, these this company 's employees have been rude and unhelpful. I would like to file a complaint against Ally lending for failing to return the overpayment in a timely manner.
Contact information : XXXX XXXX XXXX XXXX XXXX XXXX Unit P XXXX XXXX, XXXX XXXX Ally Landing Account Number XXXX XXXX XXXX XXXX Last 4 digits of my Social Security Number XXXX XXXX
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| 03/03/2016 |
Yes |
- Bank account or service
- Checking account
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- Using a debit or ATM card
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Web |
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On XXXX XXXX, XXXX my debit card was fraudulently used three times at a nearby ATM by someone who stole my card and pin numbers. I had never visited the ATM in question, and I notified Ally Bank within a few hours of the fraudulent transactions occurring on my checking account. Within a week, I had filed a police report with my local police station in XXXX, MA, and provided Ally with the police report on my transaction dispute forms. After a few more days, a detective at the police station called to let me know that they had a suspect that they believed had fraudulently used my cards. On XXXX XXXX Ally granted me a provisional credit for the entire disputed amount, and I believed the case was resolved. In early XXXX I received a letter from Ally stating that their research concluded that the disputed transactions were " authorized and correct '', and my provisional credit was reversed on XXXX XXXX, XXXX. Ally did not provide me with their research report, and indicated that they had not contacted the police department where I filed my report. I immediately followed up with the police department and the detective assigned to my case confirmed that they had not been contacted by Ally, and that they indeed had a suspect for my case. He also mentioned that it was part of a larger, multi-state FBI investigation. After many calls to Ally I was told that my transaction dispute had initially been escalated to the wrong department, and that my case would be re-opened. On XXXX XXXX, XXXX I re-sent my transaction dispute forms and police report to a different department at Ally. As of today, XXXX XXXX, XXXX, I have neither a provisional credit nor a timeline for resolution.
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| 09/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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To Whom it Mav Concern.
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information. and accounts ( hat are Un-Ventlied. According to the Fair Credit Reportin? Ati, Section b.lSAof the FCRA - vou are required to promptly Oblaisalinformation that is inaccurate, incomplete, or which can not be verified.
It is also my understanding that Under the FCRA 15 U.S.C. 9 1681., every single one even each any of the unproven, non compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory atcounts must be promptly negated in its entirety or the alleged accounts are to be I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts of provide testimony and certification that you are adhering to mandated XXXX XXXX data formatted reportinn standards arcordins to resulations.The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED XXXX INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOr PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately do so TODAY, even right NOW The obvious infractions are as follows : XXXX XXXX and Account as is reported on my credit report : dispute item Ally Finical and as I have never opened an account with that provider I have never co signed for anyone By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the RSA enacted CDIA XXXX XXXX COMPLIANCE regulations, I demand that these above mentioned derofatory items be investigated and permanently removed from my report
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| 01/16/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
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- Closing an account
- Funds not received from closed account
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Web |
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I closed a CD with Ally Bank back in XXXX and I was told that they were going to wire the balance, {$12000.00} to my account at XXXX Bank. When the money never hit my account I called Ally and was told that they had actually sent a paper check and that I had to wait for it. I waited and the check never arrived. I called again in XXXX and I was told that I would have to fill out a form stating that I never received the check and get it notarized. I did that and requested once again that the money be sent directly to my account. Again, the money never arrived. I called again in XXXX and the person I spoke with was very apologetic. She said that it looked like another paper check had been sent but she could see that it was never cashed or deposited and that she was going to escalate the issue and that someone would call me back by the next day. It was three more weeks before I heard from them again. The woman I spoke with today was rude and impatient and she told me that I would need to get another form notarized to request another check. I said that this obviously isn't working and that it's ridiculous because they have my information, they have my form, and most importantly they still have my money. I asked if there was a branch or anywhere physical for me to go to get my money and I was told that they were an online bank and that my only option was to keep leaving work to get the exact same form notarized with still no indication that I would ever actually receive my money. This is a lot of money and I had been counting on it to help pay for holiday bills this year but now it is almost a year later and I still can't seem to be able to get them to send it to me.
|
| 10/05/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
Servicemember |
|
In XXXX, i noticed a credit report remark in an email sent to me, saying Ally charged off my account. I called immediately and asked why it said that and what i could do, i have been trying for the past few months to get ally to work with me. I asked for lower payments and as well to have all late fees removed due to my hardship from covid. I have had nothing but issues with ally, they dont ever work with me in pleading for help. They refuse to actaully help you with your situation and rather just charge it off. I no longer even want to have the loan, i want to rescind my loan with them and get back all the money i have paid. I know my rights with consumer laws and i am asking for a rescission with the loan agreement i made with ally and i would like the title of my car to be released since ally has charged off the account, to have the lien removed and title sent directly to me in my name. Allys obligation with the car has been considered charged off and i no longer have an open account with them, i would like to remove any and all derogatory/negative/late remarks from my credit report immediately. I want the account to be changed to positive or settled in full or a completed status. I will not hesitate to look deeper into my rights as a consumer and take legal matters if necessary if ally does not cooperate or release the title held in their possession to me with no lien as well as my full refund of the total amounts i have paid, around {$8000.00} approximately. Please respond and mail all requested items directly to me within 7-10 days. If i do n ot hear a response or receive requested documents and refunds, i will seek legal proceedings afterwards. Thank you
|
| 07/23/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
I initiated an ACH transfer from outside website from my ally bank checking account. It was for {$32000.00} for Thursday ( XXXX XX/XX/2022 ). Within 3 hours, I reallized that i need to stop that transfer. Tried chatting with Ally bank customer service... more than 45 minutes of wait and no help even after that. Then called Ally bank... more than 1 hour on the phone with the first level and then the supervisor ( XXXX ). By around XXXX, XXXX assured me that this amount will be blocked and she charged me {$15.00} from my bank account for this stop payment. Rest assured I was okay with this resolution but later I reallized the transfer was not being stopped by Ally bank even after charging {$15.00} fees to my account on XXXX XX/XX/2022. This {$32000.00} took money out of my Ally bank account and Ally couldn't even stop it even when they knew what they had to do and charged me Stop payment fees of {$15.00}.
I had to make another payment but I was under the impression that {$32000.00} was stopped so I made larger payment to this vendor from this website : XXXX : XXXX How shameless, clueless and hopeless Ally bank is and how they are deceiving their customers? Such a long wait time on phone as well as chat and still no good customer service.
For more than 10 months, ally mobile app is not working. Still Ally is doing research with no status update.
Moreover check deposits are returning as there are not enough instructions on the website. Every time you call Ally bank- they have a different person who give a different narrative of the problem/resolution. When i opened Ally bank account way back in XXXX it was good... but quality has really gone down like anything.
|
| 11/25/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
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Web |
|
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A payment was made on the account on XX/XX/XXXX and XX/XX/XXXX by mistake from the credit union we use. We called on XX/XX/XXXX to request a refund and were told that we had to wait 15 days for the refund. At that point, we didnt move forward for the refund because the next payment would be due on XX/XX/XXXX. The XXXX statement was mailed to us and it said we owed nothing for the month of XXXX because of the double payment. Then we started getting calls and texts non-stop saying we had missed our payment and were behind. However the website still said we owed nothing. I called several times and spoke to several reps over the course of 43 days to try and either get the money refunded or get the extra payment added to our account. They refused to do either for over a month. All the while calling and harassing me for a payment they already had. Finally we decided to sell the car to another dealership and end the Ally financing. The XXXX XXXX called Ally to get the pay-off on XX/XX/XXXX and sent payment to them shortly after. Ally has continued to call and harass me for the payment and has now turned in a delinquent notice to the credit bureau. They have been unethical in keeping money that didn't belong to them, billing us for payments they already had in their possession for well over 40 days and by not using the funds from the dealership to pay off the loan and keep our credit in good standing. They have repeatedly called and texts even after the situation had been explained and payments had been made. They unethical business/loan practice has now caused my credit score to drop dramatically while once again they hold on to money that was paid, but unreported.
|
| 06/16/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Unauthorized transactions or other transaction problem
|
|
Web |
Older American, Servicemember |
|
XXXX called XXXX XX/XX/23 and spent near an hour going over access to my Alley Stock trading account page we changed my password and used several different log in accounts including Ally secure log in site none of them were successful in opening my account web page. I could as in the past log in as normal, however still would not bring up my account page display. XXXX was to do internal Alley IT work to reestablish my account and call me back. i have not received a response and my attempts to log in this morning are the same, still no access to my account.
Would appreciate if you would ask XXXX to give me a call. This is a great disappointment in more than six weeks no access to my account. Reflects badly on Ally.
Sincerely, On XX/XX/23 XXXX XXXX, Ally Invest wrote : XXXX XXXX Dear -- -- -, XXXX XXXX Thank you for contacting Ally Invest.
XXXX XXXX I am sorry for the difficulties you are having with this. I can confirm that the case has been entered for you and is being researched. Unfortunately, we are not able to give a time frame for this as we would need to determine the cause before being able to apply a fix for it. In the meantime, if you have not already done so, please try opening the account in XXXX. The website is optimized for XXXX, so that may clear it up for you.
> > Please feel free to contact us at any time with any questions or comments you might have regarding your account or our website. We can be reached via this email address, through the Live Chat links on our website, or by phone at XXXX. We are here for you XXXX.
XXXX XXXX Sincerely, XXXX XXXX XXXX Client Services XXXX Ally Invest XXXX XXXX XXXX XXXX, XXXX, NC XXXX > ( XXXX ) XXXX
|
| 09/20/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
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I received and email at approx XXXX XXXX On XX/XX/22 from Ally bank stating that my account had possible fraudulent activity and my access to my account was blocked and to give them a call. I called answered all the questions was then told by the loss prevention department they could not tell me why my account was blocked at the moment but someone would call me back and one to two business days and in the meantime I was not able to use my account. I then called back to speak to somebody else were they informed me they were closing my account I then informed them I had two direct deposits totaling close to {$600.00} that would be hitting my account that day their response was they are sorry money could come into the account but could not leave my account. I then asked could they please close my account at that moment so the direct deposit would get kicked back to the sender and I could reroute them to a different account. I was then told there was a process they had to go through in order to close my account and that once my account was closed they would send me all my remaining funds. I was also told this could take up to 90 days. I am a single mom on one income and that money that was going into my account today was to pay my rent I now have to deal with a very upset landlord and no money to feed my family as all my money is in that account. This put a very bad hardship on me. It is also very upsetting that the people I spoke to you were very rude and were not helpful. Could not give me a reason for them no longer wanting me to have an account. I also have no online access to even see exactly what was in my account at the time of them taking away my access.
|
| 09/15/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
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I tried to send a wire with Ally Bank. As part of this they asked me to call in, no worries, I did the next day. They asked me for my social and I told them that I don't feel comfortable giving it out because of identify theft issues in the past, but I'm happy to answer other questions. The person said fine, they authenticated me and then said I needed to call back again the next day. Sure no prob. I did and they asked me again to authenticate using my social. I again said that I don't feel comfortable giving it out and to ask me other questions. This lady got really rude and unprofessional and hung up on me. I then learned my account was locked out so I can't access any of my money or even log into my account.
I called back the next day and finally just gave up and gave them my social and did authenticate me, but they now told me that the last lady I spoke to flagged my account because I " refused to provide my social '' and I have extra steps now for " the safety of my account ''. I have to upload my drivers license, a photo of me with it, a color copy of my social security card, a utility bill and they can't confirm if there's more they will ask for after that. First this is a complete overreaction in the name of " security '', secondly I never gave them false info, and I explained each time why I didn't want to give out my social and thirdly I don't have some of that information with me since I'm traveling.
I essentially tried to use one of the bank 's services and as a response they've effectively taken my money. The steps to getting it back are so onerous that it's possible I'm unable to ever get my money back. This is effectively stealing my money.
|
| 05/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Dated on XX/XX/2022 via Consumer Financial Protection Bureau ( CFPB ) complaint ID : XXXX Ally stated Ally Bank ( Ally ) had a permissible purpose to access your credit file in connection with evaluating credit transactions involving you. I, XXXX XXXX, Consumer, strongly disagree. Since Ally admitted such, now what Im going to need for Ally to do is ( 1 ) I demand Ally to provide me with Documentary evidence in regards of everything Ally stated mentioned above and ( 2 ) If Ally fails to do such, that will validate that what your stating is just heresy and will not be sufficient in Federal Court if we had to. Ally are you aware of transferring another person information without consent is a violation of 18 U.S. Code 1028A - Aggravated identity theft? And that Ally can be sentenced to a term of imprisonment of 2 years. Are you aware that Ally? As long as that is fine with you, its fine with me Ally. As you stated Ally Bank ( Ally ) had a permissible purpose to access your credit file now Im demanding that you prove to me with what lawful authority Ally had permissible purpose to have access to my credit file, transfer my information without any of my consent. Ally YOU stated this, So Im holding that to be your truth, these are your words, not mine Ally. I XXXX XXXX, Consumer, encourages Ally to read 18 U.S. Code 1028 - Fraud and related activity in connection with identification documents, authentication features, and information. Again, as long as Ally are aware of their actions and fine with it, its fine with me and all actions necessarily will be taken. Failure to comply with requirements mentioned above will result in fines. Thank you, and best wishes Ally!
|
| 07/14/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
After I locked into a rate ( as the loan agent guided me through the web side ), I noticed that the bank fees has increased and also lender credit was not there any more. Instead there were more to put out of my pocket. They did not notify me about it but wanted to upload paper works to move through the applications process ( emails attached ).
When I brought that to their attention, they said the mistajke happened due to an overlap in their website due to XXXX of XXXX holiday! Finally after more e-mails they agreed to go back to my lock rate with same pay out of my pocket.
Then the loan officer stated that he can not pull my XXXX credit due to is is forzen. I have checked my self ayt XXXXsite and also talked to two XXXX agents and verified that the credit file is Unlocked and not frozen. As I went back to the loan agent, he told me to go through another sister company of theirs as they only requires 2 credit scores ( but their fees are much higher! ). I am assuming that this bank advertised false rate and now they are back paddling with any excuses they can get.
I still have 40 days locked at that rate and the loan agent is actually telling me that he will not be able to get the XXXX credit score by himself and blaming on XXXX ( again, I verified with experian that is not true ).
this is a huge waste of my time for two weeks in between my job to get all the paper work submitted to them and they can not keep their advertise loan rate with the out of pocket expenses for me. First they increased the estimated cash to close without my knowledge and now they are not able to pull my credit report ( which is not Locked ).
Kindly see the e-mail exchanges.
|
| 04/24/2019 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
XX/XX/2019. Received a call from XXXX at Ally financial. She wanted to know when Im going to pay my auto loan. I told her she needs to contact my attorney. She responded you dont have an attorney. Continued to ask when Im going to pay. I repeated you need to contact my attorney. She then told me that if Im not going to comply we will send people to XXXX XXXX XXXX ( my house ). I told her multiple times you need to contact my attorney and each time she told me you dont have an attorney and that I have to deal with this myself. Eventually she said Im going to record that youre non-compliant and then hung up on me. Now all of this happened a month or longer AFTER I received my bankruptcy discharge from the court, which included my auto loan through Ally Financial. Never once did she ask for my attorneys name or phone number or anything. She literally just ignored the fact that I retained an attorney, filed bankruptcy and received a discharge. She threatened to send people to my house if I didnt pay. This is completely unacceptable! Not to mention illegal, I think. I was granted a discharge from the auto loan debt by the Courts and yet shes calling me to collect the money, ignoring my request to speak to my attorney and THREATENING to send people to where I live! I fell in hard times that lasted for several years, filing bankruptcy was not something I did lightly. It was an extremely stressful time, so much so that I began receiving medical care due to the stress & anxiety of trying to rebuild my life. Then when theres finally resolution and I can begin to get back to normal this woman calls and treats me that way. Please look into this matter for me. Thank you.
|
| 08/09/2017 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have written multiple letter to ALLY about their accounting practices on my account. On XX/XX/XXXX Ally Sent me a final bill which made no sense in accounting My car was sold in auction with a SURPLUS of XXXX over the RESIDUAL BALANCE. ALLY did not give me any documentation of proof of the sale or sale amount. Ally also took at the profits and then still charged me for payments on the account when I did not have the car. They added fake fees and refuse to adjust this account. They have been reporting this account as owing XXXX. I do not owe this amount The Payment history shows me owing a balance of XXXX in payments being owed datedXX/XX/XXXX but on the final billing statement shows I owe XXXX??
If I owed XXXX total for my lease and paid XXXX+XXXX late fees=XXXX XXXX total balance -XXXX balance owed XXXX is balance If there was a SURPLUS of XXXX and a XXXX credit where did they go?
There is no accounting for the account once it was sold of fees and sale amount.
ALLY are in violation of 15 U.S.C. 808 15 U.S.C. 802 15 U.S.C. 806 I am requesting a copy of the bill of sale of the vehicle and accounting for all charges and fees I am requesting In detail the break down of the final billing statement dated XX/XX/XXXX Explain specifically in detail where each credit and debit went to and where they came from.
I have disputed this multiple times with the credit bureaus and ALLY continues to report these false claims. My rights are being violated and ALLY as all of these CORPORATIONS are taking advantage of the people. I was never late until loosing my job. They sold the car and made a profit and lost no money and still want to bill me as a customer. This is unfair
|
| 12/02/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have sent this company multiple letters to validate this alleged debt yet have not received any response from them. luckily I sent it via certified mail to have proof they got them! I also called spoke with a representative And recorded the whole conversation.I Was told they would get back to me still no response.Ive been suffering from XXXX because of all the in accuracys they have reported on my credit which has been hindering me for years! Everything About this so called debt is inaccurate egregious and downright unfair all three bureaus have three different dates on last payment they claim to receive from me on a vehicle that reports as charged off but still to this day has gap insurance in my name active! On a vehicle I have no possession of. Might I add The alleged debt they reported closed on XX/XX/XXXX yet they claim to have received A payment XXXX XXXX as last payment received on XXXX yet on XXXX report XX/XX/XXXX of that same year! Which is a lie! This is defamation of character!!! Ive been in XXXX with this company and their lies!! I have so many sleepless nights because of this. Ive become so depressed I feel like this company has made me suffer so much yet hold no accountability nor have they tired to resolve this issues its been years they have been hindering me!. Ive asked for validation of any and every kind yet have received nothing! Im in tearsssss writing this. My last attempt before taking legal actions really. I sent my last letter of request of validation which by certified mail says they received it on XX/XX/XXXX it is now XX/XX/XXXX still nothing with all that is going on in the world right now why do I still have to deal with this
|
| 02/02/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
Older American |
|
My wife and I were involved in a XXXX accident on XXXX XXXX, XXXX in which our leased vehicle, a XXXX XXXX XXXX was a total loss. We contacted XXXX Insurance on XXXX XXXX, XXXX after spending approximately 8 hours in the Regional Medical Center, XXXX XXXX XXXX XXXX, XXXXXXXX Phone # XXXX where my wife was treated in their Emergency Dept and released. Since that date, XXXX XXXX, XXXX, we have been in constant contact with the named insurance company and more importantly, ALLY who financed the transaction with XXXX XXXX of XXXX XXXXXXXX
I was in contact with the insurer through a XXXX XXXX, Adjuster with XXXX Insurance in their offices at XXXX XXXX XXXX, XXXX, XXXX XXXX, Phone # XXXX, Extension XXXX under claim # XXXX on numerous occasions up to this date, XXXX XXXX, XXXX. My complaint is this : ALLY has continually contacted me by phone as early as XXXX on Sunday Mornings and later in the same day dunning me for payment. XXXX XXXX with XXXX Insurance has stated to me, and verified the payment by ALLY on numerous phone calls they have received payment in the amount of {$22000.00} a figure that XXXX Insurance deemed the total loss value of the vehicle along with a payment I made of $ XXXX " after the accident in question '' to insure my credit rating. ALLY continues to harass me with telephone calls at least 3 times weekly where their Total Loss Department of the same company, ALLY, tells me not to send any more money -- let me interject here for a second -- I just received another phone call from ALLY while I am writing this complaint from someone named, XXXX. This is beyond comprehension. I do n't know what else to add to this complaint, I am at wits end.
|
| 11/29/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
In relation to the overpayment paid to Ally Auto Finance after the theft of my leased vehicle.
The car was purchased at {$48000.00} I made a substantial downpayment {$12000.00} ( approx 25 % of the value ). I intended to purchase with a final payment at the end of the lease.
Amount financed {$33000.00} by Ally Auto Finance.
The car was stolen in XX/XX/XXXX and a claim was made to XXXX XXXX XXXX.
I understand the amount paid by XXXX XXXX was {$38000.00} XX/XX/XXXX to Ally, yet the amount owed to Ally as of XX/XX/XXXX was approximately {$28000.00} leaving an excess over {$10000.00} ( Approx ) I did not receive any overpayment from Ally, I believe that may fall under the " Unfair Settlement Claims Act '' Additionally, the XXXX XXXX representative told me before I excepted the claim that I would receive the difference between the lease amount and the value of the vehicle by check.
I was NOT advised by the car dealer or Ally at the time of purchase that a {$12000.00} downpayment would be lost if the the car was stolen. ( If this was the case I would have put the {$12000.00} in a savings account to pay towards the monthly amount ).
I emailed Ally twice for support and some explanation and there was no response, I called numerous times, there was no support given.
Many other consumers cons also be financially at risk between finance and insurance companies. I believe this is an unfair settlement practice. In my opinion the overpayment should be paid to me as I made a large downpayment approx 25 % of the vehicle value. If the finance company keep the over payment, then I feel it is unethical that they should also keep my deposit {$12000.00} deposit.
|
| 05/16/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
On XX/XX/XXXX I traded in my XXXX XXXX to XXXX XXXX XXXX for another vehicle. This vehicle was financed through Ally Bank.
I had GAP Coverage on this vehicle, which was valid at the time of trade in.
On XX/XX/XXXX, Ally Bank issued a refund payment for the unused GAP Coverage in the amount of {$200.00}. The check was issued to myself ( XXXX XXXX XXXX ), and my mother ( XXXX XXXX XXXX ).
Being that the check was issued in both names, we both signed the back of the check in order to deposit the funds. Neither myself nor XXXX XXXX XXXX share any banking accounts in joint name. I first tried to deposit the check with XXXX, which was dishonored because we did not have an account in both of our names. I tried again with XXXX XXXX and was also dishonored for the same reason. Both banks insisted that the easy solution was to have the issuer - Ally Bank re-issue the check one of two ways ; 1 ) in one persons name only, 2 ) split the amount and issue two checks - one in each of our names.
On XX/XX/XXXX I called Ally Bank to request the check be reissued in either of our names alone or splitting the amount and issue checks to both myself and XXXX XXXX. They refused. When I explained the situation they refused and told me no.
This situation has left the bank in a position to be unjustly enriched because I can not deposit the check as issued. They are in the position to cure the problem and refuse to do such. I would hate to have to sue for breach of contract and bad faith, but will have to if they do not respond with an solution immediately. Moreover, I'm sure that situations like this happen and the apathy to investigate and cure is profitable for Banks.
|
| 10/30/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Ally Financial is reporting the following information on my credit report : 1. Payment history : number of times I alleged been late on my account, 2. Pay Status : alleged past due status, 3. Terms : The information listed above is better known as transaction is being reported on my consumer report. ALLY FINANCIAL IS ILLEGALLY REPORTING THESE TRANSACTIONS ( Payment history, pay status, Terms ) on my consumer reports! Ally Financial is in clear violation of the law.
Pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) Subsection ( d ) CONSUMER REPORT Subsection ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does NOT include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences the consumer and the person making the report ; THE LAW AND THE FTC ADVISORY OPINION CLEARLY STATES XXXX Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( ALLY FINANCIAL ) making the report is NOT included on my consumer report!
Payment History, Pay Status and terms are transactions of open end credit and closed end credit extended between the consumer ( ME ) and the person ( YOU ) ( ALLY FINANCIAL ) that is making the report. CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!
ALLY FINANCIAL HAVE VIOLATED THE FCRA 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) by reporting this transaction or experience ( Payment History, Pay Status, Terms ) on my consumer reports which CONGRESS clearly states IS NOT to be included on my CONSUMER REPORTS.
|
| 03/02/2016 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Web |
Older American |
|
SUBJECT ; MY FEDERAL SOCIAL SECURITY DIRECT DEPOSIT : AND MONIES DUE BY DIRECT DEPOSIT ON XXXX XXXX TO MY NEW BANK : ALLY BANK ACCOUNT NOW CANCELLED BY ME, AND ALSO ; PROHIBITING ALLY FROM " STEALING MY FEDERAL MONEY, MONEY TOMORROW WHICH ALLY BANK HAS BEEN PROHIBITED BY ME FROM ALLY RECEIVING THAT AUTHORIZATION. AND " STEALING '', FEDERAL MONIES NOT YET SENT TO THEM, AND THEY HAVE ACKNOWLEDGED THAT I CANCELLED THEIR ACCESS, NOR AUTHORITY BY ME TO RESTRICT ALLY AND BY AUTHORITY OF THE XXXX. THE FEDERAL SOCIAL SECURITY XXXX. I HAVE SENT A FORM XXXX ON XXXX XXXX WITH THE FEDERAL FORM SUBMITTED ON XXXX XXXX TO AUTHORIZE ANOTHER BANK TO BE PERMITTED/AUTHORIZED TO RECEIVE/DEPOSIT THESE MONIES.
ALLY BANK : IN COMPLAINT XXXX CLAIMS THAT A COMPLAINT BY ME ABOUT A CHARGE ON MY ACCOUNT IS STILL IN PROCESS. THEIR LATEST E-MAIL, OF XXXX XXXX ADVISES THAT THIS COMPLANT ON A CHARGE ON MY ACCOUNT IS DECIDED BY THEM IS CORRECT AND FINISHED, AND I AGREE THAT IT IS FINISHED WITH THEM, WHILE I RESEARVE MY LEGAL RIGHT TO PURSUE THIS MATTER IN THE COURTS NOT ALLY BANK, ALLY HAS ASSESSED MY ACCOUNT ON THIS CHARGE. AND FINISHED THIER INVESTIGATION ON XXXX CHARGE. THEREFORE THIS MATTER IS CLOSED. I DO N'T CARE IF THEY KEEP THIS ACCOUNT OPEN DESPITE MY WRITTEN NOTICE OF CANCELLATION, MY COMPLAINT IS REGARDING MY FEDERAL SOCIAL SECURIITY MONIES THAT HAVE NOT YERT BEEN SENT TO ALLY BANK. THIS DIRECT DEPOSIT HAS BEEN RECINDED BY ME TO THEM AND ALL THE NECESSARY AND FEDERAL LEGAL FORMS PROHIBIT ALLY FROM STEALING MY FEDERAL MONIES ON XXXX XXXX.
PLEASE HELP ME WITH THIS SOCIAL SECURITY MONIES THEY ARE TRYING TO STEAL WITH ADVISING THAT I CAN NOT CLOSE MY ACCOUNT WITH THEM. FORMS
|
| 04/16/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I purchased a XXXX XXXX XXXX in XXXX of XXXX. In XXXX of XXXX I made a lump sum payment amount and started paying the loan weekly. Starting in XXXX, I was unable to make principal only payments until the " payment due '' was paid but was told when I make extra payments that my " payment due '' is still due. This is contradicting. Anyway, once I make the payment in full I am allowed then to make " principal only '' payments. However, I don't believe the payments have been applied correctly. I had to call several times to request my payment be re-allocated to the principal which I'm not sure was ever completed but they are still accepting my " payment due '' When I ask for clarification I am either told the same " law '' with no enforcement of my loan detail with payment or I am told something completely different. Even with email communication or calling.
Now I submitted a payment ... ... ... ... ... ... ... again ... ..and now it went towards my " payment due '' leaving me with a partial payment due on the XXXX. I went to pay it in the total amount plus the difference in hoping to pay the difference to the principal. Well again I no longer have the option. My option is to either apply the total amount to principal or towards the next payment.
When I try to split the payment to make the " payment due '' then another to apply to the principal it tells me that the payment is less than total amount due in turn not allowing me to complete the total amount due plus an additional principal only payment.
In addition to this complaint, every time I've asked for a ledger of payments against principal they tell me they can not produce it but have one time.
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| 03/08/2017 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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I purchased a vehicle through XXXX in XXXX in XXXX. From the get go the deal has not been good. The dealership lied to me, and would not take off gap insurance that we asked to be taken off a day or so after the loan. Now, the dealership did not inform me that the customer service for the financial institution is all outsourced to XXXX or the XXXX. I can never get anyone who speaks XXXX at Ally Financial, and now, today, I learned that they have taken almost {$600.00} too much out of my account. My payment was supposed to have been {$290.00} and they took over {$790.00} out. I have a corporate contact at Ally due to some of the other issues we 've had and even she argued with me saying that it appears I initiated the payment to go through. I did imitate XXXX payments, XXXX for {$150.00} and XXXX for {$290.00}, but for whatever reason they charged what they did. I have had to go to my bank to dispute the incorrect portion.
Ally Financial is a joke! They are hideous and they do not help. I also have reason to believe I was hacked when the car deal went through as I have had to change banks, phone numbers, and even email addresses since purchasing this car. We may have been hacked prior to the car deal, but we have had nothing but trouble and my credit score has dropped significantly since all of this happened. The issues I 've had are well documented, and I eventually had to email their investor relations just to get someone who spoke XXXX to call me.
Today is the last straw. They will not help me with the incorrect amount they charged out of my bank account and I have to file a dispute with my bank now. I am so upset about all of this.
XXXX XXXX
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| 12/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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XXXX of 2020 I requested payment assistance on my car payments from Ally Financial. The request for 90 days started XXXX and was to end in XXXX. My payment due date for the month was typically on the XXXX of every month but at some point All Financial changed it to the XXXX. This change of date made me 30 days late on a payment which when I noticed I paid immediately. They reported the late payment for XXXX. After contacting Ally they stated they would send in a good faith request to remove the late payment, instead every month they just pushed the late payment to the current month. They did this all the way until XXXX making it seem as if I have been late within the last 30 days. This has resulted in a denial for refinancing on my hone which is causing a hardship. Ive contacted the bureau several times to correct the late payment info. Finally in attempt to resolve this, Ally promised if I paid my account in full they would delete the account from my credit history. I did that immediately even accepting a higher interest rate from another bank just to get this removed and they have not kept their word. I paid in full in XXXX and after the most recent dispute it is still being reported incorrectly that I made a late payment in XXXX which again is causing me to be denied an opportunity to lower my mortgage. Ive reached out to the bureaus several times and it seems Ally Financial is reporting incorrect info. I feel that I have been misled to pay the car off so I can stop calling about them correcting my credit report. I have never been late on any payment with Ally and due to a payment due change they initiate I made my first late payment unknowingly.
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| 02/10/2016 |
Yes |
- Bank account or service
- Savings account
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- Account opening, closing, or management
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Web |
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When I log into my Ally Bank account, it used to always send me a one-time login code to my email address. I always check 'this is a public computer ' so they will always require the code, as I sometimes have guests and would rather not have reason to suspect a guest if somebody hacks into my account. I also occasionally access my account from the public library. Recently, the last few times I 've logged in, it has NOT sent me a one-time login code to my email address, thereby increasing the chance that a guest, or somebody at the library, could hack into my account. I have contacted Ally several times, asking that they re-set my default login to requiring the one-time login code for my security. " do not EVER allow anyone including me to access my account without sending a confirmation email to my XXXXXXXXXXXX email address. I am on a public computer and will hold Ally responsible if there is any misuse of my account. This is the second time I am contacting Ally about this. If it happens again I will file a complaint with the CFPB. '' They responded that " we can not comply with this email verification process ''. Which is XXXX. Ally has previously required such email verification, and other online banks require it. There is no reason that Ally - an exclusively online bank, which should be at the forefront of internet security - can not do this ; they 've been requiring an emailed one-time verification code for as long as I 've been a customer there except for the past month or XXXX. Please encourage Ally to be more proactive in internet security and more responsive to customer needs by requiring such a code to be entered when I log in. Thank you.
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| 09/29/2022 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
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We opened XXXX accounts with Ally Bank : a personal savings account and a family trust account. XXXX minor deposits and XXXX large deposits were made to each account. The XXXX large deposits were the result of property sales and closings. Thereafter, we attempted to send several wires for the purchase of other properties as well as add a " linked '' account for my brother so we could make payments to him. None of the wires were sent out and the bank account addition caused the account to be flagged for fraud. Both my wife and I then provided all of the documents that the bank required to prove we are who we say we are including our licenses, social security, pictures of us holding our IDs, and utility bills. We did that and the bank, after several lengthy phone calls, is continuing to restrict our access to our money and our account. This is our life savings and they are playing games. They initially told us it could take up to 3 days and now they are saying 30. They will not give us the almost {$1.00} XXXX back.
We have not only complied with their requests, but have followed up multiple times and have spent hours on the phone only to have no resolutions whatsoever. Today, the customer service representative, in so many words, told us " they would decide what they would be doing with our accounts '' and they sent us to a voicemail box with no other foreseeable resolution.
We owe money we can not pay and missed two property closings due to Ally Bank holding our money hostage. We just want our money back and to be done with this bank forever. This action on their part is irreparably harming us financially and causing extreme emotional distress.
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| 04/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I am currently trying to work with Ally Bank to have my credit fixed. They reported my XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments as 30 days late on my credit report. My payment of XXXX is due on the XXXX of every month. My XX/XX/XXXX payment of {$330.00} setup to withdrawal XX/XX/XXXX cleared my account on XX/XX/XXXX, XX/XX/XXXX payment of {$330.00} setup to withdrawal on XX/XX/XXXX cleared my account on XX/XX/XXXX and my XX/XX/XXXX payment of {$330.00} setup to withdrawal on XX/XX/XXXX cleared my account on XX/XX/XXXX. I have since made my XX/XX/XXXX payment of {$330.00} setup to withdrawal on XX/XX/XXXX cleared my account on XX/XX/XXXX.
I called and disputed the XX/XX/XXXX and XX/XX/XXXX payments on XX/XX/XXXX and they have been corrected. Ally Bank then reported my XX/XX/XXXX payment as 30 days late on my credit report. I called and disputed that on XX/XX/XXXX, when I called to dispute I requested for the correction to be escalated because this is the second month in a row that the late payments have held me back from getting a mortgage. On XX/XX/XXXX I was told that they will escalate and to call back in a week. I called back on XX/XX/XXXX I was told that this was not escalated, but it will be and to call back in a couple days.. When I called back today ( XX/XX/XXXX ) I was told that there is no way to escalate this and I have to wait 45 days.
Since the bank can not seem to report the payments correctly to the Credit Bureaus I can not get the mortgage I need. With this complaint, I am hoping to get my payments reported correctly and ensure my XXXX payment is not reported as late.
The attachment has commentary for each transaction.
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| 06/07/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
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Web |
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I leased my car via Ally Financial. At the end of lease term, a check was mailed via USPS to purchase my car on XX/XX/23 and was delivered on XX/XX/23. The check was cashed on XX/XX/23. In late XXXX, I got a call from the lease purchase department stating that the payoff could not be accepted because the lease was under my name, XXXX XXXX, and the check was drawn from my wife, XXXX XXXX bank account. Even though we told him that California is a community state and it should not make a difference. The representative indicated that their institution considered my wife as a third party who is not allowed to purchase/pay off the loan on my behalf. I was told that a refund would be issued and I would mail in a replacement check from a bank account with me as account holder. On XX/XX/23, I did not receive the refund check and talked to XXXX XXXX at Ally and was told that refund check was forthcoming. I requested to speak to supervisor and never received a call back. I called on XX/XX/23 again and talked to XXXX XXXX. He told me that the refund check was approved on XX/XX/23 but and should have been sent to me. XXXX said that he would contact the payment processing center to see when the check was mailed and whether it was cashed. But I never got a call back. Later on XX/XX/23, I made a complaint to Allys website and XXXX from executive customer service department called on XXXX at XXXX PDT. When I called back only to learn that his department closed at XXXX PDT, so I left voicemail. Today XXXX I called twice, left messages again and never got a call back. So it has been over 50 days since my payment processed and I still did not have title to my car.
|
| 05/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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My car loan was paid off in XXXX of 2021, Ally is still reporting my account is past due because there are some late fees owed. My loan with them is paid off, I have no monthly payment amount that is due with them anymore. The late fees are owed so I can get my title. The money I borrowed was pad back in full. Late fees can not be considered past due because they are not part of my monthly payment. There is no due date for late fees and no specific amount to be paid monthly. Late fees can not be considered 30 days late if there is no due date for them.
I am requesting a full statement on all late fees incurred for each month Ally is saying late fees are owed.
I am requesting any late payments reported due to late fees owed to be removed from my credit report promptly.
You can not report late fees 30 days late once loan is paid off, these are fees to be paid to get the title for the vehicle used as collateral for loan.
I have a letter from Ally showing XXXX balance for financed amount owed and the letter says the late fee amount is to be paid in one payment. I did not have the amount owed for late fees at time due to covid 19 and job and income issues. The letter from Ally does not list a monthly payment amount or due date for the late fees. The letter states " it is necessary to clear these charges to avoid further delay to process title ''. Again no due date or monthly payment amount is listed so how can a payment be considered 30 days late with no due date listed.
I called Ally on XXXX and XXXX and spent hours on the phone to get issued resolved and kept getting transferred from one person to the next and no one took the time to help me.
|
| 02/21/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
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Web |
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Back in XX/XX/XXXX, my father opened a CD/Savings account with Ally Bank on my behalf in which when I was attempting to access the account that then triggered a suspicious activity flag.
I called directly to clarify my identity and that allowed this savings account to be a joint one.
They said they would investigate and get back to me and this was on XX/XX/XXXX. Since then we haven't heard back so we've called about 10x between my father and I.
We've received several go arounds without any real update or timing. One time they told me they had deactivated the account completely ( without notification to either myself or father ) and funds were refunded to the original source- which is my father 's XXXX XXXXXXXX XXXX account. While that was already a sloppy way of handling things, we were at least relieved knowing where the $ was.
So we went down that rabbit hole of checking with XXXX XXXX XXXX to come and find that they had not receive any funds from Ally Bank.
There we are back to square one chasing down Ally Bank who continually gave us no real answer other than we would receive a call back.
It's been 2 months, we don't know where our funds are, no access to the account and the absolute worst customer service, at times, yelling at us or hanging up.
This is beyond what we would think is possible for a major bank like this to operate and frankly feels like fraud to us.
We would like to know what further action can be taken to release our funds back in an urgent fashion or have some sort of transparent and tangible update.
This isn't small amount of money too, this is money that we need back in our hands.
XXXX XXXX XXXX XXXX
|
| 06/19/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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My name is XXXX XXXX , I am trying to get in contact with somebody at the Settlement Division or Consumer Financial Protection Bureau to see if you can help me in the following matter. Consumer Financial Protection Burea u, Ally Auto Finance Settlement and U.S D epartment of Justice sent a letter with a checkwith the amount of {$520.00} because I was identified as eligible to receive this money from a settlement between the Consumer Financial Protection Bureau, th e U.S Department of Justice, Ally Financial Inc. and Ally Bank over allegations of discrimination in auto financing between XXXX XXXX , XXXX and XXXX XXXX , XXXX . In the letter said that this amount was determined by the Consumer Financial Protection Bureau a nd U.S Departm ent of Justice. Until today I have not been able to deposit this check because it was sent to a wrong address and by the time I got the check itwas already expired. I have called the phone number that is in the letter so many times with no results because I do not have a specific extension that they ask for. I have called the Consumer Financial Protection Bureau and the representative told me to write an email to Ally Auto Finance to see if I can resolve my problem. I wrote the email on XXXX XXXX , XXXX and I have been waiting for a response since then with no answer until today XXXX XXXX , XXXX . I need that whoever is in charge of this matter get in contact with me so another check can be sent to me. I am going to attach a copy of the letter with the check that I receivedand I am going to provide my updated address. XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL , XXXX XXXX
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| 04/18/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
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Web |
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I had an no penalty cd with Ally Bank. They sent me an email offer for an interest bonus program. The bonus was 1 % bonus for a deposit up to {$50000.00} of new money. I elected to take the offer, signed up online with the help of one of their reps. and deposited {$50000.00} of new money into a new account. The money needed to remain there for 90 days and then the bank would pay the bonus on XX/XX/XXXX. When the bonus was not paid, icontacted the bank XX/XX/XXXX for an explanation. They agreed to check and let me know. I checked with the bank again on XX/XX/XXXX and was told they were still checking. I checked back on XXXX and spoke a supervisor. She advised I needed an approving email with a code # to get the bonus. This was the first time I heard about this qualification. I checked back to when the account was opened but couldn't find an email. I explained the account was opened with the help of their rep. and had followed all instructions at that time. The rep I worked with did change my email to get into the account but it was changed back within 15- 20 minutes. I sent the bank this information by email on XXXX and was told they would review and let me know. Their confirmation email indicated 7-10 days for a reply. I waited now 47 days and have contacted the bank several times but they will not provide an answer. I'm tried of waiting and allowing the bank to use my money. Today I have authorized the account to be moved to another bank. However, I met all their requirements for the 1 % bonus or {$500.00}, plus interest from XX/XX/XXXX to XX/XX/XXXX. They can sent the money in the form of a check to my address on file. Thanks for your help.
|
| 09/14/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
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Web |
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I had transferred {$1400.00} on XX/XX/2023 to Ally bank through XXXX Bank in search of better interest rates as I firmly believe banks tend to lie about their true interest rate or change it last second, I was happy with Ally until I noticed XXXX XXXXXXXX had offered 4.30 % APY noticing that and recognizing them as a big bank I was questionable and only started with {$500.00} on XX/XX/2023 realizing their interest rate was legitimate I decided to move funds from Ally bank to XXXX XXXX through XXXX as it is a faster method of transfer. I tried and it wasn't working, finally on the third or fourth try I had received a notification saying I'd met the daily limit, something I would've adhered to if I received the first time. Later I had received notice on XX/XX/2023 that they had locked my account, confused I called and asked them to unlock my account. I had done the whole verification process and they claimed it was under review for two days. So I waited the two days XX/XX/2023 I called them in the morning asking to please unlock my account they said that an investigator is looking into it right now and I should receive a call. I never did. I called back in the afternoon and received the same answer that it was under review by an investigator. I think it's ridiculous that I can't just verify my identity and unlock it right now, especially since I told them it was the account holder who was trying to transfer money. I've been told to wait tomorrow XX/XX/2023 to call in the afternoon but I don't have high hopes, I was just trying to transfer money. From a supposedly " Good '' bank now it's turned into a nightmare to get back my almost {$1500.00}.
|
| 01/21/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
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Web |
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I have an auto loan with ally auto and since updating the app which I used to pay and view my account no longer shows my truck but still shows the other loan I have for car. I repeatedly asked for a statement in mail which they have not sent or fixed issue with app. I'm also almost done paying for truck, and I have also sent more then which was owed monthly and it was not applied properly I believe. I think they apply it towards interest instead of principal balance. Also after reviewing my original contract it states it's a simple interest loan. Also when I first purchased the truck in 2015 I've just noticed that when I cancelled the extra things the dealership sold me service contract etc. those funds weren't applied properly and also the amounts are incorrect I believe. I dont believe they ever had me sign an accurate contract with the correct payments and the cancelled extras they sold me which I cancelled within a day or so of purchase, although I have proof of all the cancellations I had and were supposed to be deducted off what I was financing.I have called ally auto several times over the last 3 weeks or so and they tell me the same thing and also couldn't even tell that it was the fourth time I called. They also said no payment was do this month cause of my over payments which they just deduct off next payment instead of applying toward principal. I've asked for a statement and they tell me it was sent and cant generate another. I cant access my account online to cancel online therefore their system hasn't been sending statements since they told me its automatic and they cant access it. The reps you call are scripted and of no help.
|
| 07/14/2016 |
Yes |
|
- False statements or representation
- Indicated committed crime not paying
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Web |
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I called Ally at XXXX my loan originator they found my acct # XXXX. And the lady said she was tranfering me to a specialist. I was not told i was being transfered to a collection agency. I speak with a gentleman that answers the phone but does not say or disclosed the name of his company. I tell him i have an acct he asked for my demos but does not give me a mini miranda stating ... this is an attempt to collect a debt any information may be use for ... .after my demos i asked where was i transfered he said to north side location. But no mini miranda was disclosed. by my request he tells me the balance. Since by now he tells me that is a collection agency i can settle the acct for XXXX dollars that i dont have. I tell him i can pay XXXX. He says no. I ask for a manager i get XXXX XXXX that was super aggresive and rude. again no mini miranda disclosure was given by this collection manager. If i would had not asked the rep where i was transfered at the begining of the conversation i would had assume i was talking to Ally Financing That makes it very misleading by Ally to transfer me like that and by North Side Location to not disclose their business name deny my right to know everything i said was going to be use for collection purposes and to tell me that the letter they have sent me assuming i got any correspondance from them which i have not. Then XXXX wants me to pay XXXX in payments because i cant afford the settlement of XXXX and that if i dont pay it now that offer os out of the table. I had XXXX to pay not XXXX to do a lumn sumn. His collection tactics were too pushy and aggressive but to not disclose miranda rights is breaking the law
|
| 05/08/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
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Web |
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I and my son purchased a 36 month lease from Ally Bank on a new XXXX XXXX on XX/XX/XXXX. We also purchased the Lease Protect insurance for damages and excess mileage. In the 1st year, the car was badly scratched and we decided to have it professionally repaired as it was an eyesore. The repair job was adequate and not noticeable. We returned the vehicle at the end of the lease in XX/XX/XXXX glad we had the damage insurance because there were some additional scratches we decided not to fix.
Much to our surprise, Ally Bank sent us a bill for {$390.00} with no reason or details about what the charge was for. I figured they didn't realize that we had the damage insurance, so I sent them a copy of the receipt. They proceeded to send another bill. I called them and talked to an agent. She informed me that the bill was for improper repair. I told her we had the repair done at a professional shop, and she said it would only be waived if the repair was done at a XXXX approved dealership. Since I did not have it done at XXXX, I could not get the waiver.
Instead I asked for proof that the repair was done improperly. I wanted some sort of independent auto inspector to make the decision. Ally gave me no proof and no means to verify their claim. What they did give me was another bill in the mail and threats to notify the credit agencies. I just received notice that my and my son 's credit scores are now significantly lower because of the negative report.
They want me to just pay the {$390.00} even though they won't give me any proof that I really owe it. I'm not going to just roll over and pay. Ally Bank needs to be held accountable and show proof.
|
| 01/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
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Web |
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My auto loan was transferred to Ally financial and My second Payments was dishonored without cause. I initiated a billing dispute and tried to make subsequent payments via phone as previously done with the first payment. I was refused and demanded certified funds I requested a billing dispute contract information and sent mailings to several departments including the Corporate Office and CFO. i received no response to verify validity of the refusal. I spent hours on the phone with at least 6 separate agents and all ended with refusal of payment via phone. I sent a check for payment in full a month ago and 38 days later they sent it back. It has a endorsement stamp CREDIT TO ALLY as endorsement but the letter sent only state ally was not accepting the payment Nothing more. There are no stamps of insufficient funds or bank refusal on the check.
Per UCC 3-502 Unexcused delay/Discharge this debt is discharged.
3-506 Time allowed for Acceptance/Payment 3-508 Notice of Dishonor 3-604 Tender of Payment 3-603 Payment or satisfaction 3-602 Effect of Discharge Against Holder in Due Course 3=606 Impairment or Recouse of collateral Ally repossessed my car during the billing dispute with Ally refusing several methods of payments.
Changing the contract without my consent is unlawful. Repossession of was in called for and I had valuable items stored in my property.
Calls to ally have yielded no results I recently submitted a rescission of contract notice to the car dealership who fraudulently transferred my note to Ally and also the same notice to our financial who claims that I owe a debt which I have proof of payment and refusal without cause.
|
| 05/17/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
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Web |
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there is no payment reminder mail email or text for my loan account at alley financial where my 7 years loan for lhe past 3 years has been a nightmare to pay when they do offer payment forgiveness for my 2013 XXXX XXXX by the way thats the thing that i get in mail they call there forgiveness payment a extend en promise to pay the regular amount of car payment of XXXX after paying to purchase the agree of XXXX you have options to either pay after 2 or 3 mouth terms here where i run into problems with alley financial where im forced to either at end the end with no reminder before the end payment extenden due date but i'm greeted with numerous calls from there collects department calling amounts {$800.00} to {$1200.00} and some time pined charge while being on that extenden and various charge there after of XXXX after those first amounts are con fingered after speaking and getting continuous XXXX by there XXXX customer service hotline and there the nitemare begins with no reminders forced to instead of paying the {$330.00} payment that originally signed up for this particle car loan i'm force to pay {$800.00} to {$1200.00} because when i call in to make a payment the kicker is to name all thing i'm paying to my XXXX the extend en agreements plus car payments missed plus there's been times where there been computer down on there end leaving with schemes blow by from customer stateing they didn't receive payment on or the payment didn't reach the system as far as on our end as well as XXXX and internet would be down for weeks at a time on there end may i add consumer credit keeps getting reported as such negative and 60 days 90day last due
|
| 11/23/2020 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
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Web |
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On XX/XX/2020 I submitted a letter to XXXX to verify a negative tradeline that has been reported on my credit report by Ally Auto. I was requesting verification of the deficiency notice which was never provided. Under the laws of the State of Illinois UCC 810ILCS5/ and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.
If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.
XXXX XXXX response was Completed investigation of FCRA dispute - consumer disagrees.
On XX/XX/XXXX I also requested verification pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } ...
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : I was not provided with this information in 30 days which is required by the FCRA and nothing was sent with my signature saying I authorized this debt.
|
| 10/12/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
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Web |
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Please know this is a formal complaint. I am writing you because of my sheer disgust in how I am being cheated by XXXX XXXX. It is my hope that someone here in the US can get this matter under control now. When I purchased the car In XX/XX/XXXX I was supposed to begin payments in XX/XX/XXXX, statements attached. However, I started to pay in XX/XX/XXXX. My payments are due on the XXXX of each month and late payment charges are which are only about XXXX are not to begin until the XXXX day after the due date. I have paid more than the amount I was supposed to pay each month but, yet I keep getting charged a XXXX late fee. I dont owe a late fee and the late charges are not XXXX per month. I need someone to straighten this out before I make another payment. I called to complain over and over finally, a XXXX in your escalation department somehow got the late chare taken off for XXXX only to be placed on my account for the XX/XX/XXXX due date. This is ridiculous. Also, I dont know what country your representatives are in, but I can tell you they are liars and they are rude. Again, with the escalation department I spoke to a woman who said her name was XXXX on XX/XX/XXXX, she just kept repeating that I owe a XXXX late charge and I kept telling her I did not. When I asked to speak to someone in the US she told me that the US office did not have the power she had, but that she would put me through to the US office. She placed me on hold and never came back. I am not paying a XXXX late charge I dont owe. Before I report this to the XXXX, please have this straightened out and the funds I have paid to your company appropriately placed to my account.
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| 09/28/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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This Complaint is to Ally Financial.
In XXXX XXXX, XXXX I have financed a vehicle with Ally Financial, XXXX XXXX CC, XXXX XXXX.
In XXXX, XXXX I crashed my car in a parking lot, and the car had damages in the front, my insurance did not want to pay for the damage since it was in a parking lot, so I took the car to a body shop named " XXXX XXXX XXXX '', they told me that to fix the car it will cost {$3000.00}, at that moment i was not able to pay for that, I even had a payment arrangement with Ally in my monthly payments, my mother was in the hospital, she got both legs amputated, and i had to take care of her so I was not able to go to my job until i resolved my financial situation.
So, I called Ally I explained to them that the car was left in the body shop, that i was not able to pay the body shop I gave them the address for them to repossess the car, and they never did. Ally called my asking me to pay the full amount own on the account more that {$14000.00}, i told them they should repossess the car, because I did not have the car and I notified them where the vehicle was for them to pick it up, something they never did, i told them i can not pay a car I do not have.
Now I work in a car dealer ship so I was able to look the History of the vehicle with the VIN number, and i found out the body shop put a lien in the car, they notified Ally, and they never repossess the car, also the body shop sold the car to some body else. That proof that I do not have the car, that I can not pay for a car I do not have, and Ally did not repossess the car, even when they were notified by me, and also by the body shop. See attachment for proof.
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| 06/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Re : Ally Auto Account Number ending in XXXX CFPB Number : XXXX See attachment with text message from XXXX, ensuring that contract will be updated.
XXXX, Executive Customer Relations at Ally Bank is reporting that XXXX has reached out to me and that they have not heard back, I have text messages as proof that XXXX was sending me a new contract via overnight XXXX which they never did because the " manager is on vacation. '' It is factually incorrect that XXXX has not heard from me. Please resolve issue I have reached out to Ally today XX/XX/2023. I am writing to dispute the fact that Ally Financial is reporting my business vehicle loan to my personal credit. I was informed by the dealer that this was a commercial loan and that it would not be reflected on my personal credit. This deceitful act is in clear violation of credit reporting laws. This is in clear violation of the Fair Credit Reporting Act ( FCRA ). The FCRA is a federal law that protects consumers ' rights to fair and accurate credit reporting. The FCRA prohibits creditors from reporting information to credit reporting agencies that is not accurate, timely, or complete. The FCRA also prohibits creditors from reporting information to credit reporting agencies that is not authorized by the consumer. In this case, Ally Financial is reporting information to a credit reporting agency that is not accurate, timely, or complete. Ally Financial is reporting a business loan to a personal credit report, even though the consumer was informed by the dealer that this was a commercial loan and that it would not be reflected on their personal credit. This is a clear violation of the FCRA.
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| 04/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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1. Ally Bank 2. Date of false reporting starts almost 4 years ( XXXX, XXXX ). Its still reoccurring to this day.
3. They first reported me to credit bureaus, so i sent correspondence to shut that down immediately. Was taken down/off my report first thing. And since XXXX isn't something most people know about unless are dealt with a situation that requires them. Someone can falsely report you under detection, as not one place told me " oh you have an outstanding balance at ally. Sorry. '' That was until last year when i moved to Hawaii. XXXXXXXX XXXX i tried to get let me know, ally bank is the one that is reporting you owing money. Besides the account being apart of an identity theft, I never owed them anything. They kept lying and saying my bank reversed deposits. I sent them bank statements of the month in question as well before and after discrediting their theory. They replied by saying that isn't true and then hanging up. I tell them I'm closing this account and only keeping my XXXX XXXXXXXX acct. Then a year or months later send me notice i am delinquent and owe almost {$900.00}. fast forward and they have continued to report me after not 1 but 2 failed investigation attempts by XXXX. With the last one going to banks favor even when i have my bank send photo proof someone tried to deposit the check into a closed account. But this shows proof of receipt which they deny. And base there XXXX off in first place. Im sending with this report my bank statement who issued check directly to ally bank. And lastly the reply from my bank that issued said check on its current status as well as anything being shown that ally received check.
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| 09/14/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Can't close your account
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Web |
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I have been working to have my deceased stepfather 's IRA accounts transferred to my mother 's IRA account in the same bank, Ally Bank, since XXXX of 2021, so that I could consolidate her funds. I am my stepfather 's executor and mother 's POA, and I am taking care of my mother who has XXXX. I have spent countless hours talking to at least 15 different customer service reps, including their top level ( executive customer relations ), sent an email to the CEO, and been assured on many occasions that the money would be transferred within the next 7-10, 3-5, 1-2, or 0-2 business days. Each time, that period passes without the money being transferred, and I call back, at which point they tell me one of the following : 1. I need an additional form that the previous customer reps didn't mention 2. The forms that I filled out with them on the phone walking me through the information needed was filled out incorrectly and needed to be resubmitted 3. The forms that I filled out correctly were outdated and I needed to fill out the new forms ( which, by the way, were 100 % identical to the previous forms ) 4. The transfer to the institution setting up the annuity for my mother could not complete the transaction without my mother on the phone, even though all the POA documents had been received and approved Many of the customer representatives have been confused as to why this case has had so many twists and turns ( I now have 4 separate case numbers ). I have escalated this case multiple times to supervisors. Nobody seems able to figure out how to resolve this case and I am completely losing hope and my mind, which seems like it may be by design.
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| 03/09/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
Older American |
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I have a car loan with Ally Financial. I have been makng the payments on the loan for the past 72 months. I am currently down to 2 more payments left of the loan, in which the monthly payments with Ally Financial are {$400.00} per month. I have on line access to my account with them, so most of my payments are paid thru the website in which I can also review previous payments, information about my vehicle and what is still owed on the vehicle, etc. I called them for a payoff on XX/XX/2020. Their representatives told me that my payoff would be {$3000.00}. My account shows that my total balance due on the loan is {$2100.00}. After being on the phone with 3 different representatives for extended periods of time, I could not get an explanation from any of the reps as to where they are getting their amount of {$3000.00} from. They also tried to tell me that they only received {$100.00} for my XX/XX/2020 payment when in fact it shows on my account that I paid {$300.00} on XX/XX/XXXX and the balance of {$100.00} on XX/XX/2020. I am currently on unemployment and retirement, and they know this. I have struggled in the past to make my payments on time or at least within the 10 day grace period so I have incurred some late fees which I do not have problem paying but they are adding additional fees on my balance to pay this loan off. They are also not adding in payments to my balance owed that have been made to them. I have dealt with this situation on several occasions in the past but just paid what the rep said I owed because I was tired of arguing with them and them taking up hours of my time on the phone. I have supporting documents if needed
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| 09/30/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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I have had an auto loan with Ally Financial since XX/XX/XXXX.
Never has a payment been over 30 days late during this timeperiod. In XX/XX/XXXX I informed the company by phonethat the car was in the process of being sold and received apayoff amount. I was told that this information would benoted to my account. The car was sold to XXXX during theXX/XX/XXXX and I was told the check would besent to Ally the following day.
According to Ally, the payment was received on XX/XX/XXXX,3 days after the 30-day late timeframe and the payment wasreported late to the credit bureau. I contacted Allyimmediately on XX/XX/XXXX to rectify the situation due to thefact that the payment has never been late and there weredelays with the dealership sending the check on time. Iasked that my the reporting be deleted as I am in theprocess of buying my first home and financing will fallthrough if the negative credit reporting is not deleted. Irequested the review be expedited as I am expectedto close in the next 2 weeks. I have not heard from Ally andcontinue to get conflicting answers over the phone. This ishorrible customer service. The company was informed thatthe car was being paid off well before the due date. It canbe reflected on the check that the car was sold and thecheck sent well before the account exceeded 30 dayspast due. If I am unable to remove this negative reportfrom my credit, I will no longer be approved for my newlyconstructed home and lose thousands of dollars. Mypayment history will show that I have never been 30 dayslate on this loan. I should not be penalized for the lag inprocessing my payment received from the dealership onAlly 's end.
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| 08/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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On XX/XX/XXXX, I sent a formal 15-day request via US mail for a description of the procedures used to determine the accuracy and completeness of the information furnished to my credit report regarding account # XXXX with Ally Financial and/or Ally Bank, and a dismissed Chapter XXXX bankruptcy in XX/XX/XXXX, per FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and FCRA 611 ( a ) ( 7 ), wherein it states, a consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15-days after receiving a request from the consumer for that description.
As of today, XX/XX/XXXX ( 20-days later ), I have not received the information I have requested and Experian has misqualified my 15-day request as a 30-day dispute, added additional days, failed to document the last date of verification ( from previous investigations ), and continuously failed to report accurate and complete information in the matter of these 2-items ( mentioned above ).
1. ) Account # XXXX with Ally Financial and/or Ally Bank : I have personally engaged the US Bankruptcy Court for the Western District of Washington via telephone and US mail to confirm dates-of-birth and social security numbers of parties named in any case are not shared with third parties.
2. ) Dismissed Chapter XXXX Bankruptcy/ XXXX : I have reached out via phone and email to Ally Financial to confirm the original contract a. ) can not be located b. ) Ally Financial no longer " owns it '' and c. ) there is new case law supporting my position in the matter as of XX/XX/XXXX ( Ally Financial Inc. v. Haskins class action settlement received final approval ).
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| 08/18/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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A few months back, I applied for and was approved for a small Ally credit card. Within a month, Ally updated their software, and from what I have been told by numerous reps on the phone, " screwed up a lot of accounts ''. Mine was one of them.
As a result, I am unable to access my online account either through the app or desktop.
Ally allowed serious fraud on my account while I am unable to see my account. I reported it initially and the individual on the phone never submitted a fraud report. The second woman I spoke to took the time and completed the first womans job and her own. She was wonderful and I can not thank her enough.
Though unfortunately, numerous other calls have had to be made regarding the fact I can not still view my account. I keep being told my case is upgraded to tech support, who has never responded to me and never fixed the problem. It's been months on an account that was allowed to have fraud on it.
Ally also kept withdrawing from my bank account, funds to cover the fraud each month.
The last call, two nights ago, I was treated like a common criminal. The woman was extremely unhelpful, she was rude, she kept telling me she could not hear me and I should call back ( attempting to get off the phone with me ) and when I asked to speak with a manager, she informed me they were busy and would call me back later that night. No one ever did.
I am extremely upset on how I have been treated and allowing fraud on my account while not allowing me to view my account to help rectify the damage that may have been done to my credit and most of all, my character as unjustly defined by credit and financial status.
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| 03/20/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
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On XXXX21, my wife and I logged on to our Ally Bank savings account and discovered someone had removed {$93000.00} from our account via an ACH transfer to another outside bank. We had not added this outside account, nor have we ever heard of or had any association with the bank, which is not even in state either of us have ever resided. We immediately called Ally Bank to report the fraud and all they asked us to do is complete a dispute request and said that someone would be in touch. We could not get a confirmation of when someone would contact us or when they would return our funds. They were however able to provide the account holder, account number and routing number for the outside account the money was sent to, which was troubling, because that account was supposedly in my name. Again, we have never even heard of that bank. Furthermore, we have two factor authentication turned on for this account, whereby anyone that logs into the account would have had to enter a code that would get texted to me or my wife in order to log in. Neither of us received such a code, therefore we don't know how the banks two factor authentication functioned properly in this instance, because it certainly didn't protect us. We have not heard anything back from Ally Bank as of the date of this complaint. We are extremely puzzled how someone could log into our account, bypassing two factor authentication, add an outside bank account, and transfer such a large sum of money out of our account without any notices being sent, red flags being raised, calls, emails, texts, etc. from the bank. Any help you can provide would be greatly appreciated. Thank you
|
| 12/11/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
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Web |
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XX/XX/2017 I purchased XX/XX/XXXX XXXX XXXX from XXXX XXXX through ally Bank with a XXXX down payment, but instead I was sold a Lemon for XXXX for a XXXX mile vehicle with all kind of problems from the flood lights dont come on, tires, brakes wind sheild wipers, car smells like oil is leaking in which it was, tail pipe rusted been under water before, smells molded and smelly when you turn Heat or Air on and also paid XXXX for over a year and half of the payment was interest and I had been spending on this vehicle since I had it they told me when I took it for maintenance they found other issues and I also told the manager of the dealership about these problems and also contacted the XXXX and they still didnt correct all of these problems I am mentioning so I got sick back in XXXX and had to Bankrup, but the Co-debtor still paid the note and the car was taken to the shop again and they said it was other issues again with the car and we were sold a Lemon. so on today a Man from a Repo company came out to pick the car up in which I have not been driving, because of danger issues and recalls and the man was very nice and rung the doorbell in which we been home everyday due to my major medical issues and he told me that Alley Bank told him we were violent and he said to us we were nothing like they described and we have been here everyday, I don't dodge people and he saw that we were voluntarily giving him the keys for something not able to drive anyway, but I feel we were sold a lemon with half of the car note was interest that the making off of us, for a Lemon that they knew they had issues with for XXXX. Also contacted the FTC.
|
| 11/17/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
Older American, Servicemember |
|
A company called Ally Financial. A company I have never heard of or tried to do business with pulled my credit report on XXXX XXXX, 2016. This was a hard hit at the credit bureau, probably all three. I just received my credit report from XXXX, saw them on the report. I called them on 3 different occasions and told them I did not try to purchase a vehicle through them. Also they did not have the right to check my credit report without my authority. I spoke with, management, the credit dispute office and the fraud department. They did not want to talk to or help me.They refused to help me get this hard hit off my credit report. The credit bureau told me what to tell them to remove it. They still refused. In my opinion Ally Financial could be part of a larger conspiracy in the fraud and Identity theft going on in this country today. More than the general public might imagine. Companies like theirs do n't need a social security number to pull your credit. So they could do this to hundreds or maybe even thousands of consumers and get away with it. I bring this incident to your attention because why would they be so adamant about not wanting to help me. Maybe they figured that if they helped me they might be opening XXXX 's box or get caught with their hand in the cookie jar.I have filed a complaint report with the FBI in Washington, also the BBB in Minnesota.
I called the local police dept and they told me they are not listed as a business in XXXX MN. They are operating out of XXXX and the police dept could n't understand why they were using a XXXX address. He refered me to the FBI. I will be calling the XXXX police dept as well. on
|
| 10/12/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I sent in a dispute letters to Ally Finacial originally on XX/XX/2016 by USPS which they signed for it on XX/XX/2016 to dispute a account that was showing up on my credit report. They DID NOT send a response letter to me until XX/XX/2016 which the letter was dated XX/XX/2016 AFTER the 30 days time frame they had to respond. Also they DID NOT mark ANY of the credit bureaus disputed. That was after the 30 days time frame they had to contact me back in reference of my dispute. I sent them a second letter on XX/XX/2016 which was signed for on XX/XX/XXXX informing them that they had broken the federal law b/c they had 30 days to respond back and they responded back AFTER 30 days. I requested that by Federal Law they have to remove the account off of my credit report. They responded back to me XX/XX/2016 once again with documents but still not marking my credit report and still DID NOT remove the account from the credit report even though once again it was after 30 days of them responding. I sent out a third letter on XX/XX/2016 and was signed for on XX/XX/2016 advising them that once again they had broken the federal law of having 30 days to respond and mark my credit report as disputed. I checked my credit today XX/XX/2016 and it is showing that my credit report was updated today and marked disputed but sent NO documents. They have continuously broken the law and would not comply by removing the account since they did not respond to me within the 30 day time frame. I need this company to completely remove this account off of my credit report b/c they have broken the Federal Law twice and still have not completely resolved my issue.
|
| 03/16/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Web |
|
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I leased from Ally a Hummer from XX/XX/XXXX to XX/XX/XXXX. Towards the end of my lease [ I believe about 2 months before ] I took the vehicle to XXXX XXXX in XXXX, PA to attempt to purchase the vehicle. My contract allowed me to purchase the vehicle. XXXX said that the windshield was broken and it had excessive miles. They agreed that if I purchased the vehicle then the excessive miles was not a factor. So I left and I then had the windshield replaced. I then took the vehicle back to XXXX XXXX to purchase the vehicle per the terms of my lease. XXXX then refused to allow me to purchase the vehicle. I then left and telephoned Ally. Ally said they would extend the lease and allow me to contact XXXX to attempt to purchase. XXXX again refused to allow me to purchase the vehicle. The payoff on the vehicle was only {$16000.00} more or less which was far less than the value of the vehicle. I believe that they wanted my vehicle so that could then sell the vehicle for its true fair market value of {$24000.00}. They then charged me for a cracked windshield [ which I had fixed ], a non existent roof debt, an alleged tear in the interior headliner and excess mileage. XXXX XXXX and Ally failed to comply with the terms of the lease and refused to allow me to purchase the vehicle. I believe XXXX XXXX sold the vehicle for substantially more than I owed and did not allow me to mitigate my damages. I believe I do not owe them any money. They have not sued me, I wish they would so that I can prove that I do not owe them any money. What they have done is report this alleged debt on my credit report. I want them to remove this from my credit report.
|
| 05/09/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
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On XX/XX/XXXX I recevied a notification on my phone from my bank regarding a pending charge from " XXXX XXXX XXXX XXXX , CA, US '' . As I did not recognize the charge and it was quite large ( {$1000.00} ), I contacted my bank, Ally Bank, immediately to dispute the charge. They told me that as the charge was pending it could not be disputed and I must wait until it posts. It posted the next day, XX/XX/XXXX and I disputed it the same day. A provisional credit was returned to my account while the bank investigated.
Flash forward to today, XX/XX/XXXX and I notice the provisional credit has been reversed. I check my account notices and notice a message from XX/XX/XXXX that I was never alerted to indicating " Our research indicates that the transaction was authorized and is correct. Thus, the transaction will remain posted to your account. '' When I contacted the bank to dispute this, they informed me the decision is final and I would need to contact the seller for a refund. When I informed them the " seller '' is a pyramid scheme and this is a known scam, they told me to " look for another way of getting your funds from them. You may want to speak with a lawyer and discuss all options out there. '' I was told they based the decision on the fact that the seller provided evidence of the order and delivery of an item to my address. I informed them this is a known scam with this company ( see others reporting it here : XXXX XXXX XXXX ) and " Federal laws prohibit mailing unordered merchandise to consumers and then demanding payment. '' ( XXXX XXXX XXXXXXXX ) but they continued to refuse any assistance in returning my stolen funds.
|
| 07/18/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
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End of XXXX of this year I open up a Ally financial online bank account. Between then and XXXX my activity has been the same, I cash checks and transfer money out to my other bank for spending needs.
The newest activity with my Ally account was that I open up a investment account with them that didnt work because it was a buggy when trying to make a stock purchase.
My attempt of stock purchase was done on XXXX. Three days later on XXXX I received two emails from Ally.
1st one was regarding my account being restricted due to suspicious activity on that same day. 2nd email was telling me that my telephone banking pin was changed.
I quickly got in contact where the first of many people I spoke to reassured me that my account was not hacked and even read back to me the amount of money that was in the account.
This began a week long process speaking with multiple people, some nice, and some others not so much. I had multiple connection interruptions where I had to go through the same identification process multiple times. Some information I couldnt provide right away because due to XXXX and grieving I lost track of personal information or didnt have some written down. Once I got all that squared away I was able to provide identification thinking it would help because my case was under fraud investigation, this was on a XX/XX/XXXX phone call but I was told that my case was closed on XX/XX/XXXX. I called back the next day on XX/XX/XXXX where I had my last conversation where I was told that my account is just being closed and that I would have to figure out how to get my money back through the bank company on the checks.
|
| 08/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
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On XX/XX/XXXX I financed a vehicle with Ally Financial Inc in the amount of {$17000.00}. Payments were made on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I was a victim of a motor XXXX XXXX having XXXX the car. As of XX/XX/XXXX Ally Financial was paid in majority leaving a balance of approximately {$3500.00} XXXX XXXX XXXX XXXX XXXX covered roughly {$2000.00} XXXX XXXX XXXX Leaving a balance according to Ally of {$1200.00}. I have attempted on numerous occasions to seek information as to my loan application, amortization schedule on my loan, itemized billing statement with no response or simply indicating they arent able to speak to me and need to go through my attorney and he has not received my information either. I sent a letter to Ally Financial on XX/XX/XXXX with my concerns of their balances and credit reporting. Ally is reporting that no payments were made on XXXX occasions as of XX/XX/XXXX. They continue to go back and forth with their information being reported on my credit such as ( Current payments from XX/XX/XXXX through XXXX of XXXX, then switching to NO payments made on XXXX XXXX and XXXX of XXXX, to unknown payments XXXX of XXXX through XXXX of XXXX and current payments from XXXX of XXXX through XXXX of XXXX. These misrepresentations are continuing to drop my credit scores impacting my ability to open various loans. The loan has been closed for going on 3 years now and they are reporting negative histories which should have never been reported. I havent received documentation from them with the facts of their reporting balances and information of where its coming from even when I have called and wrote to them.
|
| 08/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
On XX/XX/XXXX, I sent a formal 15-day request via US mail for a description of the procedures used to determine the accuracy and completeness of the information furnished to my credit report regarding account # XXXX with Ally Financial and/or Ally Bank, and a dismissed Chapter XXXX bankruptcy in XX/XX/XXXX, per FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and FCRA 611 ( a ) ( 7 ), wherein it states, a consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15-days after receiving a request from the consumer for that description.
As of today, XX/XX/XXXX ( 20-days later ), I have not received the information I have requested and XXXX has misqualified my 15-day request as a 30-day dispute, added additional days, failed to document the last date of verification ( from previous investigations ), and continuously failed to report accurate and complete information in the matter of these 2-items ( mentioned above ).
1. ) Account # XXXX with Ally Financial and/or Ally Bank : I have personally engaged the US Bankruptcy Court for the XXXX XXXX of Washington via telephone and US mail to confirm dates-of-birth and social security numbers of parties named in any case are not shared with third parties.
2. ) Dismissed Chapter XXXX Bankruptcy/ XXXX : I have reached out via phone and email to Ally Financial to confirm the original contract a. ) can not be located b. ) Ally Financial no longer " owns it '' and c. ) there is new case law supporting my position in the matter as of XX/XX/XXXX ( Ally Financial Inc. v. Haskins class action settlement received final approval ).
|
| 07/20/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
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On XX/XX/XXXX, went to XXXX XXXX XXXX XXXX I was in need of a car and I was asked for my driver 's license plus my SSN. The car that I choose was a XXXX XXXX XXXX with XXXX miles. After my information was input into their system I was asked to pay a down payment of XXXX XXXX XXXX their finance department completed a credit application. I left the lot thinking that everything would be good my payment where XXXX monthly with self-employment I was able to pay. XXXX months in I found myself not able to work like before due to the XXXX XXXX out brake and the high number of people that contracted the virus. I informed Ally of this issue and that my payment would need to be postponed for a little bit. My aunt paid the bill that was passed due also the current payment which was XXXX then I paid XXXX XX/XX/XXXX. This debt is an alleged issue as followed I was not supposed to give any type of cash when I first got the car.
FCDA 1602 ( J ) - " Open-end Credit Plan " are the subject of the transaction are primarily for personal, family.
1605- in connection with any consumer credit transaction shall be determined as the SUM OF ALL CHARGES, PAYABLE directly or indirectly by the to whom the credit is extended.
15 USC 1691 ( d ) 6- Harassment of physical person, reputation, or property of any person 1602- In case the case of an open-end credit plan involving a credit card, the credit card ISSUER and any person who honors the credit card and offers a discount which is a finance charge is CREDITORS.
15 USC 168-Consume reporting agency shall promptly provide to the person who provided the information in dispute all relevant information.
|
| 06/22/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
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Web |
Older American |
|
My ex-husband purchased a used XXXX XXXX and financed it through Ally Financial. For my ex-husband of 40 years to get the loan I needed to sign. On XXXX XXXX he took the car to NH and left me without a vehicle. He cancelled the insurance on the vehicle. The vehicle is not registered. I have called Ally numerous times only to be told that they do not care if the car is insured or registered. My ex-husband is making payments prior to the 90 day mark. Ally said if he made a payment every 89 days they were fine with that. My lawyer recommended that I get insurance on the car in my name. There is not an insurance company that will insure that car because it is not in my possession or in the state of Florida. But Ally has told me that if the car is in an accident I am responsible. There are 61 payments left on the car. If Ally allows him to make 4-5 payments a year it could take 12 years to pay the car off. I have asked if I could take possession of the car. The XXXX Police said I could not. I asked Ally if they could reposses the car and they said NO. I am XXXX, have no car but am responsible if the car he is driving is damaged per ALLY. Ally will not force him to get insurance or to register the car and will allow him to make 4-5 payments a year. Ally has been rude to me on the phone and continually tells me that I am responsible for damages to the car. My hands are tied and could be for 10-12 years per Ally. It is affecting my credit report and will continue to for up to 12 years. Ally is uncooperative and is allowing my ex-husband to not carry insurance, not register the car and not make timely payments WHICH AFFECTS ME!
|
| 09/12/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
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Web |
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I was sent a statement from my car loan company after an accident ( XXXX XXXX ) and subsequent payoff that I was cleared of payments till XXXX XXXX. A few months later they started sending me bills again. They stated that it was an error on their part and I should have been getting charged the whole time because the insurance did n't cover the whole cost of what was owed on the car. They originally applied the amount my insurance paid them to my bills which covered " x '' amounts of payments leaving me cleared till XXXX. They then decided I was to either pay them the remaining amount or continue with my regularly monthly payments. In the mean time I sourced a new vehicle based on my budget and the statement that they gave me stated I was cleared till XXXX. I complied and started making the payments on XXXX vehicles now even though I felt this was unfair practice. I had a rough month and made a late payment on the last day possible via their statement. Their policy says if the payment is submitted before XXXX it would be counted as that day, I made it @ XXXX which means I was clear. They then posted to my credit report that I was over 30 days past due, based on the fact that it was due XX/XX/XXXX and they did n't receive it till XX/XX/XXXX. I talked to them on the phone, they refused to admit their error until I persisted and gave them my confirmation number proving my case. They still have yet to work with me or offer to pull the hit on my credit report. Multiple times I feel I was treated unfairly by XXXX XXXX and I attempted to work with them and they would not even make the correction after admitting their own error
|
| 12/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
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Web |
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SEE LETTER AND EXHIBIT ATTACHED TO SUPPORT MY CLAIMS, UNDER PRIVACY ACT OF 1974 Per the FCRA, as a Federally protected consumer, I am now OPT OUT of all authorization, I the consumer may have given you written, unwritten, verbal, and non-verbal, per 15 USC 6802 ( b ).
( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice.
Have been told to write a letter and have not gotten any disclosures in regards to specific means to opt out and to exercise that right ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
( g ) Duration of consumer 's opt out direction.
( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically.
( 2 ) When a customer relationship terminates, the customer 's opt out direction continues to apply to the nonpublic personal information that you collected during or related to that relationship. If the individual subsequently establishes a new customer relationship with you, the opt out direction that applied to the former relationship does not apply to the new relationship.
( h ) Delivery. When you are required to deliver an opt out notice by this section, you must deliver it according to 313.9.
|
| 08/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
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Web |
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I have a dilemma and don't know what to do. Looking for your help. I applied for a mortgage and my lender told me my credit score was XXXX. He noticed I have an account from Ally that is reporting car loan 30 days late from XXXX last year. I have documentation that proves its not correct. I called them and they agree so I try to get rescore with my lender. The lender gets their credit company to call Ally to verify and they tell credit reporting company different story. I get on the phone with lender and Ally and here 's the story.
I contacted Ally last year in XXXX to do some type of split payment agreement due to just starting my job. They told me on the phone that in order for it to take place, I need to receive documentation from them and send in {$99.00}. The rep told me and my lender I sent in the {$99.00} on XXXX at XXXX before they sent out the contract agreement at XXXX. So they counted that payment towards prior agreement and not for new agreement thus I was late! They are going to do investigation but it takes 45 days and they don't guarantee anything. I am appalled that this has happened to me because they never sent anything afterwards notifying me that the arrangement didn't go through and that I was late. They also sent me a payment history and it shows I wasn't late. According to my lender, having a 30 day late payment severely drops your credit score if it is within 1 year!
Trying to do the right things but being punished because I sent in monies early instead of not sending, is absurd. I can not get a mortgage because my score is below standard credit scores because of this! Please help me!!!!!!
|
| 08/16/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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Upon returning my vehicle in XXXX of XXXX, my car was inspected and incorrectly labeled as only having returned one set of the keys it came with. This was a charge that was wrongly added to my final invoice which I called to complain about and rectify. Ally called the dealership I dropped the car off at to confirm both keys were returned, which the dealership did confirm both sets of keys were left, but still would not remove the additional fees associated.
Additionally, for months on end, I spent countless hours calling and emailing Ally to get invoices that specifically broke down the remaining account charges. The total of the invoices they sent over were not matching up with my final account statement, and the rep that I had been working with at the time ( XXXX ) stopped responding to me entirely. I called and emailed him over and over again and never heard back. Every time I called I was told a XXXX would have to call me back, only to never hear from them again. Two years went by with no word from Ally after I opened a complaint with BBB, and then suddenly at the start of XXXX I began receiving multiple threatening emails and calls about needing to resolve my account statement. I was given the same run around repeatedly and never given any answers or follow up, and then my balance was forwarded to a collections agency, negatively impacting my XXXX XXXX in a very significant way. I have a 100 % on-time payment history and have never run into any issue like this in my entire life or with my credit history, and now my credit has been destroyed from Allys lack of concern or responsiveness to XXXX of their customers.
|
| 02/21/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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On XX/XX/XXXX, I made the initial call to Ally Financial to get a Lien Release letter sent to the XXXX XXXX XXXX office. I am a former customer and my car has been paid off. I needed this information as soon as possible. I gave my information to the agent and was told that it will be three business days. I called back XXXX XXXX to find out what the issue was and yet again, had to give my information all over again only to be told that it will be another 3 business days to hear back and 7-10 before I receive the letter in the mail. This time, they stated that it was VIN number issue. I repeated clearly the VIN number. Ally had my number and knew I had made a few calls regarding this, why didn't anyone call back if the agent didn't understand me. I waited because I was told that this was going to be done, but I hadn't received any information. I called again on XX/XX/XXXX, and the agent assured me that it was going to be filed and mailed out to me. Again, I waited but nothing has been mailed or faxed over to the XXXX XXXX clerks office. I called XX/XX/XXXX, and I asked for a manager. The agent wouldn't transfer me over. I gave the reference number that I was given each and every time an agent so they could find my request. I have at least 4 references numbers and have been transferred to numerous departments that are unable to help me due to a hold up in 1 particular department. I have been respectable and patient but I must handle the other business and can't get it done due to Ally Financial.
1st Reference # XXXX, XXXX These are all the references numbers I have been given, yet I haven't received a letter or fax yet.
|
| 12/02/2018 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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My auto lease was handled by Ally ( XXXX. XXXX XXXX XXXX, MN XXXX ; XXXX ). I have contacted the lender on multiple occasions, having spent many hours on the phone to resolve what is an internal billing schedule error on Ally 's part. In short, I have made every monthly payment, and a review of my payments verifies that I send my payment every month via my online billpay, consistently between the XXXX of the month. I was informed by a representative several years ago now that they would in fact fix their billing due date on their internal systems so that I would not be charged late fees/penalties. This was never done and they have now for years continued to carry a balance on my account for wrongful late charges. Several days before I turned the vehicle in ( lease came due in XX/XX/2018 ), I spent over an hour on the phone yet again disputing the {$100.00} charges and was told that the amount would be discharged in its entirety without any negative impact. Yet, I continue to receive bills every month for this amount and am now being threatened with notice of intent to report negative credit information. I AM ABSOLUTELY APPALLED BY THESE DECEPTIVE AND FRAUDULENT PRACTICES OF ALLY AUTO AND REFUSE TO PAY THIS INACCURATE CHARGE. THEY HAVE SHOWN AN ABSOLUTE UNWILLINGNESS TO ACT FAIRLY AND IN ACCORDANCE WITH THE LAW AND SIMPLY RESOLVE THIS, ESSENTIALLY DISREGARDING THE MULTIPLE ASSURANCES I WAS GIVEN BY MULTIPLE REPRESENTATIVES THAT THIS WOULD BE REMEDIATED. AND, HOLDING A NEGATIVE CREDIT REPORT OVER MY HEAD ONLY REINFORCES THEIR UTTER LACK OF CUSTOMER SERVICE AND CHOICE TO BULLY CUSTOMERS RATHER THAN ACCEPT RESPONSIBILITY.
|
| 01/12/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
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The first issue began in approximately XXXX of XXXX. Ally financial stated and continues to state they work with people financially hit by covid-19. I had been. For three months I attempted to work with Ally and every time I was asked what's the condition of your car and refused any assistance. My car was finally repossessed. I recieved a letter in the mail a day after that the car was to be repossessed. The bill doubled of what was due. During this process Ally was mainly unhelpful attempting to gain information on getting the car back. One agent actually told my wife he " doesn't know why Ally didn't work with us on covid-19 relief because they work with everyone ''. Obviously a flat out lie.
Next a payment was made XX/XX/XXXX for the XXXX payment. The XXXX payment was due on the XXXX. On the XXXX of XXXX I received an email the payment had been unsuccessful. The last attempt to take it out was on the XXXX. Prior to this date several calls were made to Ally requesting why the payment wasn't taken out yet and why. They continuously states it takes 2-3 days to process. While my math skills may not be the best XX/XX/XXXX to XX/XX/XXXX is almost 2 weeks or 14 days. Thus equalling far more than the " needed 2-3 days processing time ''. A call was once again placed and a run around was given again, and even speaking to a supervisor or a manger obviously wasn't going to happen despite the request several times into the phone call.
Furthermore I'm tired of government agencies covering for places like Ally Financial where the customer gets XXXX, the business doesn't even get a slap on the wrist and that's all there is to.
|
| 05/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
My auto loan was through Ally financial. They did not give provide the Cobb Notification letter they are required to send me since they were accepting my late payments. They are Ally financial and have class action law suits against them for this exact issue and also within the state of Minnesota where they paid {$780.00} in settlement due to them not following proper protocol per state laws. I got behind in payments when I was laid off last year, notified them of my lay off, they wouldnt do any payment arrangement or payment assistance since my loan was so new so when I regained employment I have been paying monthly payment plus additional amount each month to get caught up. They closed my account in XXXX regardless of those payments they had been accepting ( without me knowing it until today ) and continued taking my payments. Last payment was on XX/XX/23 for {$900.00}. They repod vehicle on XXXX with no Cobb notice sent to me. I would have been able to get completely current with my auto loan within the next 30 days if they would notified me of the repossession action and allowed me to make large payments now and then in two weeks when I get paid again. They are telling me since they closed my account they wont even allow a payment arrangement to get current and I either pay loan in full or they will sell my vehicle.I could have paid entire amount owed in back payments ( which only was equivalent to two monthly payments ) today and got the loan current. They will not work with me whatsoever and refuse to listen to me about how they didnt comply with the Minnesota state laws regarding the Cobb notice requirements.
|
| 10/19/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
My Ally Bank checking and savings accounts, as well as my joint checking and savings accounts with my husband ( XXXX accounts total ) have been frozen by Ally, with no estimated date for when they will be unfrozen.
On XX/XX/2023, I deposited a {$7000.00} check sent to me by my aunt. The check was returned by the issuing bank, as they believed my aunt 's signature was not similar enough to her original signature. On XX/XX/2023, Ally removed the {$7000.00} from my account and returned it to my aunt. My aunt mailed me another {$7000.00} check, signing the check more carefully, and I attempted to deposit it on XX/XX/2023. On XX/XX/2023, Ally froze my individual and joint accounts, emailing my husband and me to call to verify information, and that my telephone banking PIN had been changed. They noted that suspicious activity had been detected, and that I would not be able to log in or transfer money out of my accounts.
At the suggestion of their loss prevention call line, I spoke with my aunt. She called her bank and let them know that the check was legitimate, and they approved the check to be processed. I called Ally on XX/XX/2023 to let them know. My husband also called to request more information.
However, Ally 's loss prevention call line will not provide any information on how long their investigation will take.
My husband and I need to withdraw money, but Ally will not let us. We are unable to pay our mortgage and bills due to the accounts being frozen. We have already been hit with penalty fees for denied transactions. All of our funds are in these frozen accounts, and we do not have other bank accounts.
|
| 03/10/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
Older American |
|
I received a check payable to XXXX XXXX XXXX a trade name I have on my law practice letterhead. I tried to mobile deposit it to my personal Ally Bank checking account. The bank rejected its deposit saying it was for a business and that they didn't offer business accounts. I told them that I was a sole proprietor and that I'd like it deposited to my personal account since I didn't have a business account. The service rep suggested mailing it to their XXXX office for check processing and to include anything I had that could prove my association with XXXX XXXX XXXX. I did that but heard nothing for more than a couple of weeks or so. I then reached out to them only to find that they had actually cashed my check. They then refused to deposit the money into my account opting instead to issue me a check again payable to XXXX XXXX XXXX, which essentially eliminated any chance of my going back to the original drafter of the original check for a replacement. In essence, the stole my check, deposited the funds into their own account and kept me in the dark about what they had done. I then opened an actual business account with XXXXXXXX XXXX XXXX tried to deposit the " Official '' Ally Bank that they sent me to my XXXX XXXX XXXX bank account with XXXX. XXXX rejected the check on the grounds that it wasn't formatted correctly. They wouldn't say exactly what the problem was but after a little digging it appears to be a problem with XXXX compliance.
All I want is my {$560.00} deposited to my account with Ally Bank. I've spent hours on the phone with their various representatives/supervisors and seem no closer to a resolution.
|
| 04/12/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
Ally bank.
On XX/XX/10, all debit transactions to my account were duplicated, causing my account to overdraft. The money that was supposed to be left in my account are due for bills and payments in the coming days, which are now missing, rendering me unable to fulfill my financial obligations due to a lack of transparency and clearly a mistake on Allys end.
No statement was issued by the bank, I was not warned, and I was only made aware of this by receiving numerous emails that my account has been over drafted, and I need to cover the balance. I checked my transactions and as stated above, every single transaction on XX/XX/10 made from my account was duplicated, removing an excess of XXXX dollars from my checking.
I had contacted Ally customer service twice. The first representative didnt even ask for my name or account and said the issue would be fixed ( XXXX XXXX ). I spoke with a second representative who stated that no fund reversals were active on my account and the money should be back at XXXX XXXX, if theyre not, try again tomorrow. It is clear that theyre is no communication both in the organization or out. I still have no received my funds, putting me at risk to be late on payments, or to have my payments bounce potentially causing me to lose my car insurance.
Again, there is a complete lack of transparency at the moment with Ally bank, as this is affecting many customers, and there has been no statement nor timeframe issued as to how the problem will be resolved. At this point due to the issues above, it feels more like theft from a bank then a mistake otherwise a statement would have been issued.
|
| 12/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem with product or service terms changing
|
|
Web |
Older American |
|
I helped my son get a auto loan with Ally Financial Auto XX/XX/XXXX I was principle on loan and son was co-signer, son was not prompt in payments so I took over payments XX/XX/XXXX or XX/XX/XXXX. I paid on time always with auto pay from my bank but I had never received a single statement or communication from Ally. on XX/XX/XXXX I saw online that payment was {$650.00}, I paid the {$650.00} with auto pay. When I went to look at Ally account XX/XX/XXXX account said no record of vehicle and I could not see vehicle account. The auto pay send {$650.00} on XX/XX/XXXX when I went to look at Ally account XX/XX/XXXX I still could still not see account then first week of XX/XX/XXXX I was notified that Ally had reported non-payment to Credit Bureau, I again tried to see account but was still locked out. I called Ally and was told first that I missed several payments when checking Bank I saw I had never missed a payment. I asked Ally what was up as I could not see account, never received a single statement, or communication of any sort and they informed me they only communicate with Co-signer per his telephone request and he had filed Bankruptcy so I was locked out of account and they do not send any type correspondence with principle who had paid for 3.2 years. Ally informed me I should have monitored account they locked me out of since they did not communicate with me and they had no responsibility to communicate with me regarding account or my credit. I was never notified of any discrepancy, received no communication in 3.5 years and was not allowed to see account they told me I should have monitored and still can not see?!
|
| 10/26/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
In XXXX XXXX The city of XXXX XXXX had a major hailstorm that caused damage to many of my possessions, XXXX car was beyond repair and I needed to replace it. When I went to replace it, I found that my credit report had been given negative reports by a bank, Ally. I had had many conversations with this bank, as it is online only, and my daughter had a truck on a loan through them. The bank was impossible to deal with as most of their help did not speak XXXX well. I was never given any alerts or notifications of late payments, but they said XXXX were late. These were paid and I moved the loan to XXXX XXXX to get better service and a better interest rate for my daughter. I also had to replace another car. I managed to get this done with a decent rate and payment. But now over a year later my credit is still the same and nothing has changed and XXXX and XXXX are impossible to deal with, there is absolutely nothing wrong with my credit, I have XXXX issues and my credit uses are well within acceptable levels but these XXXX companies are like XXXX XXXX, as a citizen of America, it should be illegal for them to give a person a rating with no real justification for it, and no deep explanation of the reason, they need to be responsible for their actions and how they affect people. I had to acquire a car through no fault of my own yet I am still paying for it in a less than stellar credit rating by corrupt businesses that can not explain or correct their wrong doings. I am tired of being chained by XXXX companies that are in the business of selling peoples lives - it is XXXX XXXX and the government needs to put an end to it.
|
| 02/20/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
To Whom It May Concern, This incident is regarding unauthorized funds sent via a duplicate erroneous wire transfer without authorization by Ally Bank.
On XX/XX/21, I, XXXX XXXX XXXX, authorized a one-time wire transfer in the amount of {$9200.00} to a bank account at XXXX XXXX XXXX for Contractor Services .
( Request # XXXX ) That wire was sent successfully.
The next day, XX/XX/21, the same amount was sent ( {$9200.00} ) without my authorization. Immediately, I had called Ally Bank Customer Service and they said it was a 'technical error ', as both wire transfers had the same request number. Multiple supervisors had told me they never have seen this happen, but had made a request to recall the erroneous wire Ally bank had sent.
Having no other option than to speak to a supervisor, I had to accept that this was the only action ( recall wire ) that could be done, even though it was the bank 's error that sent the duplicate wire without permission. A few days later, I decided to cancel the recall ( I was told Ally Bank couldn't get the account holder 's permission to recall ) and pursue legal avenues ( civil/criminal ) against the receiver of the erroneous funds to recoup the money.
Regardless of the recall status, I strongly believe that the bank needs to accept responsibility and make right for essentially stealing {$9200.00} from my account.
I have attached the wire transfer confirmations from Ally Bank that clearly show that it is the same request number for the authorized wire ( XX/XX/21 ), and then the erroneous wire ( XX/XX/21 ).
All case notes for this is logged in XXXX XXXX. XXXX in Ally Bank.
|
| 01/28/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
On XX/XX/22 my one year CD matured. I called Ally and spoke with XXXX. I told XXXX that I wanted to close my CD and have the money transferred to my external XXXX XXXX savings account. XXXX said the transfer would take 1-3 days.
On XX/XX/22 I again called Ally because the money had not been transferred into my XXXXXXXX XXXX account. This time I spoke with XXXX. XXXX told me my CD account was still open and no money had been transferred. XXXX told me he would close out my CD and assured me the money would be transferred to my external XXXXXXXX XXXX account within 1-3 days.
On XX/XX/22 I again called Ally as no money had been transferring to my XXXXXXXX XXXX account. I requested to speak with a supervisor and XXXX came on the phone. XXXX checked my account and said my CD had not been closed within the allotted 10 days, it was placed in another 1 year CD. In order for me to close out this new CD, I would have to pay a penalty fee. Due to their incompetence I demanded my money. After much discussion, XXXX agreed to close out the new CD without penalties. It would now take an additional 3-5 days for the transfer to be complete.
The money was eventually transferred to my XXXXXXXX XXXX account. My frustration is : XXXX. Is this a fraud by keeping customers funds and instead of returning their money, Ally keeps it within their banking company?
XXXX. Ally kept saying I would have to pay all the additional fees. Fees for sending my money in a more expedient way and paying a penalty for closing a CD that I never opened.
XXXX. Hard to believe the people who assist in opening and closing accounts dont know what to do
|
| 09/15/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
My wife passed XXXX XXXX, 2015 after 2 years of sickness. Our truck was in her name and I tried to take over the payments. I asked the loan office to put the loan in my name so I could make the payments. They told me they would need 3 weeks to do the paper work but in the mean time I should continue to pay the loan XXXX $ XXXX/month XXXX and the insurance. They faxed the paperwork to me so that I could switch the loan into my name and they told me it would take 3 weeks. I filled out the information and sent it back immediately. Again they told me it would take 3 weeks. I called every week for the last 2 months, checking the status of the paperwork. After weeks of calls, they finally told me they sent the paperwork to me through XXXX. 2 weeks later, I did n't receive the paperwork. Last week, the week of XXXX XXXX. I called and told them I did n't want the truck anymore because they had n't changed the name on the loan. I also requested the payments that I made be returned to my account. After that, they transferred me to someone who told me that I would not receive money back because I made voluntary payments when -- in reality -- they TOLD me to make the payments while they did the paperwork. I informed Ally that since XXXX XXXX I was unable to use the truck because the license plate and the registration was expired. I could n't register the truck where I live now because it was in my wife 's name. I was unable to use the truck to go to work and therefore lost money by continuing to pay the loan and insurance. The lack of immediacy in Ally 's response to my request cost me to get a used car just to get around.
|
| 05/02/2017 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
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My husband and I returned our leased XXXX XXXX to XXXX XXXX after making EVERYsingle motnthly payment on time for three full years. Two days after we left the car at the XXXX, Maine dealership, we were called and told that we owed Ally Financial {$190.00} to repair a 2 '' scratch on the rear panel of the car. We were surprised when they told us to leave the car on the side of the building because they were busy, and that no paperwork was needed to drop it off, so we actually took some pictures of the car before we left. When they called us, we disputed that there was a 'scratch ' on the car and told them we had photos to prove it. They said they had to repair the scratch and we owed them {$190.00}! We had two or three phone conversations with Ally and told them we wanted to see pictures of the scratch, pictures of the repair, and the repair bill proving that they actually did anything to the car. They said they had already removed the car from the lot and they did n't have anything to give us ; i.e, " just pay it. '' We told them we would not pay it until they showed us proof that what they were claiming was true. The phone calls stopped and we assumed they did the right thing and dropped their bogus sham. We learned a month ago that they reported it to the credit burea. How can they just report bogus information without even providing us proof that the charge was valid? Because they know it was not. This is abhorrently wrong ; there was no damage and we have photos to prove it. Let 's see them prove their case! Please have this ridiculously nasty attempt at extortion removed from our credit report. Thank you
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| 11/19/2022 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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ALLY FINANCIAL ACCT XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX, XXXX TAX FOR XXXX ) Breach of trust {$500000.00} liability XXXX XXXX. subsection c laundering of money under XXXX XXXX, civil rights act XXXX, and trespassing.
according to ( XXXX XXXX XXXX ) states : Any person who willfully attempts in any manner to evade or defeat any tax imposed by this title or the payment thereof shall, in addition to other penalties provided by law, be guilty of a felony and, upon conviction thereof, shall be fined not more than {$100000.00} ( {$500000.00} in the case of a corporation ), or imprisoned not more than 5 years, or both, together with the costs of prosecution.
Tax owed by taxpayer {$38000.00} USD for constitutional violation acting in their personal capacity for violation against a flesh and blood man/woman, malicious prosecution based upon fraud, deception on bonds, XXXX, XXXX, XXXX Original issue discount Forms XXXX violation of XXXX, XXXX civil rights Acts. stealing XXXX funding 40 % of taxpayer money and putting it in a private XXXXXXXX XXXX and XXXX.
The tax forms XXXX, XXXX, XXXX, and XXXX, were filed with the IRS on XX/XX/XXXX.
Also, I have them mailed out a check for full payment of {$38000.00} to ally that was delivered to the on XXXX XXXX at XXXX pm After all, the discharge has been refused I then exercise my private right to rescind the transaction on XX/XX/XXXX, XXXX via overnight mail. XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX ] - right to rescind the contract On XX/XX/XXXX Ally financial without notice unlawfully stole my automobile from the parking lot at XXXX XXXX XXXX XXXX, XXXX Florida XXXX [ XXXX ].
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| 03/07/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I opened a checking/debit account with Ally Bank on XXXX XXXX, 2021. I was attracted to this bank because it advertised the ability to make large mobile deposits, whereas many other banks restrict mobile deposits to amounts under {$1000.00} or {$2000.00}. My deposits tend to be larger amounts because I receive crop payments from farm land, and it's been difficult to get to the bank during the pandemic so I wanted the convenience of depositing checks from my home. On the date I opened my account, I deposited {$6900.00}. I activated my debit card on XX/XX/XXXX and tried to purchase an area rug for about {$600.00}. My card was declined several times so I contacted the bank. The agent told me that my debit card was denied due to exceeding the daily withdrawal limit of {$500.00} per day in point of sale transactions. I was told the limit would be increased after 90 days. Ally Bank did not disclose this daily spending limit in a way an average consumer or even an educated consumer could understand before opening the account. Although I was told the daily spending limit was for the " benefit of the customer '', I suspect Ally Bank is enticing consumers to open accounts by allowing large mobile deposits, but then severely restricting the use of those funds for 90 days in an attempt to strengthen its balance sheet. In other words, there is an inherent imbalance if a bank makes it easy for consumers to deposit large amounts of money " in '', but makes it difficult for consumers to take money " out. '' As a consumer, I felt swindled when I learned that I could not access my own money to buy simple household furnishings.
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| 04/07/2021 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Ally Financial is reporting inaccurate information on my credit report for all three credit bureaus XXXX, XXXX and XXXX. The company is reporting different dates and account information and balance to all three credit bureaus. I have been trying to get them to help me with this situation since XX/XX/2020 no one has gotten back to me and all they keep putting on letters they send is " information updated or valid. '' Every time I ask them for paper work they never respond. This is unprofessional and unacceptable. I also submitted a complaint with them 3 times already and they keep saying my name XXXX XXXX is not an authorized user to ask for info which makes 0 sense because why are they reporting this now fraudualant account on my credit report? Three things are wrong here ... this car was my fathers who passed away, 2. this car I know my father had with GAP insurance so there is no way he still owed the money and 3. They are reporting inaccurate information for years. Ive given you guys ample time prior to filing this complaint. Im sure you can imagine what Im going through since the loss of my father. I am trying to move forward but can not due to this negative factor. This goes totally against the FCRA laws this is a violation. Attached you can see all the inaccuracies from my identity XXXX subscription I get monthly prooving the difference. Update at once, Ive also reached out to a fcra lawyer since you guys have leaved me pretty much no choice.
They are also reporting a past due amount on this closed account which is illegal and goes against FCRA. I have attached a screenshot of my report to prove it.
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| 06/25/2023 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Hello, I am filing this complaint against Ally Financial for breach of contract. The company had promised to remove my late payments for XX/XX/XXXX and XX/XX/XXXX. We both signed an agreement and the company has reinserted these negative marks on my account.
In another aspect, the company has marked the month of XX/XX/XXXX as a late payment. This is what happened in XX/XX/XXXX, I extended my lease for an additional 6 months, extending it from XXXX until XXXX. I made the XXXX payment over the phone, as instructed by the representative who informed me it would be set up as an automatic payment. Despite having set up the auto payment, the company reported a late payment for XXXX. Surprisingly, I did not receive any phone calls regarding the matter, considering the payment was supposed to be automated.
Furthermore, I never received any statements indicating that my payments were late, despite my repeated calls and insistence on obtaining such documentation. The online statements consistently displayed a balance of XXXX, adding to the confusion. Upon contacting Ally Financial, they initially assured me that the issue would be resolved within 10 days. However, upon my subsequent call, I was informed that an investigation needed to be conducted.
Following the investigation, Ally Financial informed me that they had indeed missed the payment. I requested proof of their attempts to contact me, specifically an email indicating a past-due status, but they failed to provide any such evidence.
This situation is stressful for me, my financial life is ruined by this problem. I can't sleep and I've lost my appetite.
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| 11/23/2015 |
Yes |
- Consumer Loan
- Vehicle lease
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- Taking out the loan or lease
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Web |
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My father had a car lease through Ally bank.
He expired on XXXX/XXXX/15 - approximately 20 months prior to the end of his lease.
He paid his XXXX lease payment.
I am his son and co-executor of his will.
I contacted Ally bank in the days after his death and was instructed to FAX his death certificate and proof of executorship, which I did.
After confirming receipt of these documents Ally stated that further payments would not be automatically withdrawn from my father 's accounts.
I returned the car to the dealership, returned the plates to the DMV, and contacted the auto insurance company.
I have since received notice that I owe {$8800.00} to Ally. They have explained this as the difference between their estimated value of the car and what they received for it at auction.
I do not have a copy of the lease contact.
I was not informed by Ally when I initially contacted them that I would be responsible for this sum. I was not informed that I may want to keep the vehicle, pay the lease payments ( which would have totaled about {$10000.00} over the remaining 20 months of the lease ).
If I was aware of this I would have kept the car, made the lease payments and driven it through the lease period.
Now the bank gets just about the entire term of the lease paid to them but was able to repossess and then sell the vehicle at a much higher residual value than it would have had had it been returned to them at the end of the original lease period. I could have spent just a little more money over the next 20 months and had the car. Instead the bank has the car and I have to spend almost the same amount of money.
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| 07/07/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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when I got the loan in XXXX 2015, I told the dealer that a due date of the XXXX would not work for me can I change it. They told me yes contact Ally and they will change it. When I spoke with Ally I asked about changing due date, they told me to make XXXX payment then they would. I inquired again on their website and was told to call. The agent I spoke with said it was changed and I had to pay a fee of XXXX for the change. She did n't say when, said I would get it in the mail. Today XXXX/XXXX/2015 I have been called by Ally collections XXXX times and it is only XXXX am. I spoke to them on the last call and the agent told me I have to pay now, today or it wont go through. I told her that was why I changed dates so it wont be late anymore. She kept pressuring me to pay now, or this week. XXXX I was never told of the change fee originally, XXXX if my due date is not until the XXXX now why are they calling still asking for me to pay. I explained to the girl today that XXXX of the month I have rent, utilities, other car payment, insurance and there is just not enough to pay the XXXX payment. the middle of the month is good for me and I can pay then and not be late. She would n't listen only pressuring me to pay now and said I would have late fee if I do n't pay. How can I have late fee on something not due yet? On top of that Ally uses off shore people to handle their calls and they do not speak XXXX very well. Hard to understand them and they can not understand you. I could tell she was just reading from script. I am trying to save everyone time and money by changing dates but they are making it very difficult.
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| 12/22/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problem with a company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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Back in XXXX I was involved in an auto accident. My insurance at first was attempting to total the truck and not try to fix it.. So the insurance communicated to ally financial ( the auto loan company ) and told them total loss so at this point my auto loan is up in the air and I knew this. Well the process to fix my truck and appeal the total loss took from XXXX to XXXX when my truck was finished. So I get my truck back and try to call ally and they tell me sorry but my account was insurance charged off I said no sir I have my truck and its fixed they than proceeded to tell me that they couldnt reverse the charge off and when I asked why I wasnt contacted before it went to charge off they said its not up to them to tell me status changes. I tried having them look into it further and to be fair with me since it wasnt me who dropped the ball here. XXXX and ally did all the communication and left me out of it. Than I get stuck with a XXXX charge off on my credit that I couldve avoided had they given me a chance to save it. So while my truck was in the shop from XXXX to XXXX I didnt pay my note because I thought it wasnt getting fixed Well when they decided to fix it they used the timing against me and said well its too late. All of this was stressful as I called ally and XXXX every other day trying to figure out what was happening with my truck and the note. They told me not to worry XXXX would cover what insurance doesnt pay, so on and so forth. But I feel like I was trapped into now having a charge off on my credit and ally wont help or take any accountability for their mess ups and lack of communication.
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| 04/28/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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A XXXX XXXX, on a 3 year lease, was turned into XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX Utah on XX/XX/XXXX with no issues noted by the dealer. The car was leased to my son and I was a co-signer. A letter was sent to my son and my attention from Ally Financial on XX/XX/XXXX claiming that we owe {$1200.00} for excess wear and damages for the lease. To my surprise, the inspection of the car was conducted on XX/XX/XXXX - 4 months after the car was returned to the dealer. I have no idea where the car was for the intervening four months, who could have damaged it, if parts were swapped on the car, etc. Ally Financial should not be able to claim excess wear on damages when they were grossly delinquent in inspecting the car 4 months after it was turned in and the dealer who accepted the car had no issues.
Also, around XXXX XXXX on Friday, XX/XX/XXXX, a representative from Ally Financial called my mobile number and began threatening me that if I didn't commit to pay the claim Ally would turn my file over to the Collections Department and subsequently damage the credit rating of my son and me. Not only is their claim wrong but I had the invoice from Ally for less than 21 days and they were already threatening to turn the file over to collections.
I have read numerous complaints about Ally on the CFPB website and many more at the XXXX XXXX XXXX and am very concerned Ally will damage my credit rating without being rational about their inspection and collection process which are clearly an issue.
I requested to speak to a supervisor, XXXX, but she could not come to the phone and was supposed to call me back.
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| 01/17/2019 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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At this time I want to inform you that because your office is reporting invalidated information to the 3 major Credit Bureaus this action constitutes fraud under both Federal and State Laws. Due to this fact, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character On XX/XX/2018 I opened the following case with the CFPB XXXX. This case was closed today, but the information required by law was not provided in the answer from the company. I received the original instrument, according to state law ALLY financial has to provided deficiency notices in order to report a repo on my credit report. This was not received per FCRA this has to be removed because 30 days has passed and the company has not provided the legal requirement to have the right to report this on my credit history. There have been several miss-applied payments to the account in question. Each time a call was made to ALLY financial when each misapplied payment was made.
IN addition to this, I have disputed the information on my credit file and ALLY financial should have notice of this information as well.
The request to provide a notarized copy of the deficiency notices mailed to the address on file has not been satisfied. Legally this would be considered fraud. I will open up a case with the FTC and file a ID theft notice and seek legal action against ALLY financial for violation of FTC up to {$1000.00} per occurrence.
Once again in a timely manner please remove this information from my credit report
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| 08/31/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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On XX/XX/XXXX, I applied for a credit application at XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX, and entered into a consumer credit transaction with Ally Financial. At the time of the transaction I was an uninformed consumer, unaware of my protected rights, and unaware of the fraud being committed against me by the dealership and Ally Financial. I recently became aware of this fraud and the many violations by Ally Financial, and I contacted them via mail and over the phone to dispute the alleged debt tied to the transaction, and mailed a letter disputing the alleged debt, and informing them that I was rescinding the consumer credit transaction., and shortly after on or about XX/XX/XXXX, Ally Financial used XXXX XXXX to unlawfully repossess my car from my son 's private, paid parking location in his parking garage. Ally Financial never provided me with the required validation of debt pursuant to 15 USC 1692g, nor did they provide me with the required disclosures in connection with a consumer credit transaction as required by the Truth In Lending Act, and Regulation Z 12 CFR Part 1026. I will also attach a copy of the " NOTICE OF RESCISSION '' that I mailed to Ally Financial at the address that I have for them per the contract XXXX XXXX XXXXXXXX, XXXX, Maryland XXXX, XXXX XXXX XXXX XXXX, Minnesota XXXX as well as XXXX XXXX XXXX, XXXX XXXX, XXXX, Michigan, XXXX. Let this also serve as a notice to Ally Financial that the consumer credit transaction associated with Account # XXXX, VIN # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, is hereby RESCINDED pursuant to the Truth In Lending Act 15 USC 1635.
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| 02/15/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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In XX/XX/XXXX, I purchased a vehicle through Ally Financial, this was a Saturday. The following week, I contacted my credit union, XXXX XXXX XXXX XXXX, and refinanced the auto loan. I refinanced this loan well before the first payment was due. I have had several accounts and loans with this credit union and I have never had any issues and continue to use them for almost all of my loans today. Sometime that XX/XX/XXXX or that XX/XX/XXXX I was made aware that, somehow, the original check sent to Ally was a little short. I contacted XXXX and they promptly took care of the issue. Upon pulling my credit report, I realized that somehow Ally had shown delinquent payments of 30 and 60 days in XX/XX/XXXX and XX/XX/XXXX, well after the refinance was completed. I have contacted Ally and disputed multiple times but was told XXXX never contacted them for the full payoff amount. I have even asked how would my credit union have come up with the payoff amount without contacting Ally but they just say they have no record, XXXX just magically came up with a random payoff and sent them a check, I guess. I have attached several documents to support all of this and I now see that my credit report shows Ally to report the loan was paid in full XX/XX/XXXX but yet I still show late payments for XX/XX/XXXX and XX/XX/XXXX of the same year. I have explained on multiple occasions that this must have been an accounting error or something and XXXX has even sent a letter to Ally explaining the mistake and accepting full blame but Ally refuses to remove the two negative marks from my credit report. Please see attached documentation.
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| 09/15/2015 |
Yes |
- Bank account or service
- Checking account
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Web |
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On XXXX, I initiated a {$900.00} online bill pay transaction with my bank, Ally Financial Inc., to be received by XXXX XXXX XXXX XXXX for a loan installment on XXXX. On XXXX, {$900.00} was debited from my account and I thought everything was cared for. On XXXX and XXXX, I received emailed correspondence from XXXX XXXX XXXX advising that payment had not been rendered. Upon checking email on XXXX, I immediately contacted Ally. Initially, I was told that someone other than XXXX XXXX XXXX may have intercepted the check and cashed it. Further conversation yielded that the check had not been cashed, but rather the payment was mailed on XXXX and it takes 7 to 10 business days for the payment to be received by the payee. When pressed on why the payment was mailed on XXXX, the representative corrected her statement and shared that the payment was mailed on XXXX. I requested to speak with a supervisor to share my dissatisfaction and received yet another explanation of the events.
Since no payment has been rendered, XXXX XXXX XXXX has levied a {$25.00} late fee on my account. To quickly rectify the situation, I requested that funds be wired from my Ally account to XXXX XXXX XXXX. I was informed that it would take 3 business days for the {$900.00} that was debited from my account on XXXX to be returned. I then inquired as to why it takes 3 business days to return funds from a check that was never cashed back into my account and was told " That 's just how long it takes us to process this. '' This is completely unacceptable and I demand satisfaction ; the bank should not be allowed to arbitrarily hold my money.
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| 08/31/2015 |
Yes |
- Consumer Loan
- Vehicle lease
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- Managing the loan or lease
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Web |
Older American |
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We leased a XXXX Jeep Grand Cherokee through Ally Financial on XXXX XXXX, XXXX. We were told by the Finance Manager at the dealership to sign the Lessee 's Affidavit of Primary Non Income Producing Vehicle Use. He would complete and submit this along with all other necessary paperwork to Ally Financial. All appeared to go through because the vehicle was " funded '' by Ally and we received our payment schedule. We received a letter dated XXXX XXXX, XXXX that we owed {$670.00} ( XXXX Country Property Taxes - {$330.00} and XXXX XXXX XXXX Property Taxes - {$340.00} ) for XX/XX/XXXX and because we failed to file another affidavit by XXXX XXXX, XXXX, we would owe this amount for XX/XX/XXXX as well ( for a total of {$1300.00} ). This vehicle is not nor has it ever been a commercial or income producing vehicle. We completed a XXXX affidavit ( on or about XXXX/XXXX/XXXX according to Ally records ) because we were told the first affidavit was not completed completely by the dealership, XXXX XXXX XXXX XXXX XXXX. This is the XXXX vehicle we have leased for personal use and this is the first time we have been billed for property taxes. And we are being told that we have to pay this even though we did as we were required at the time of the initial lease. We have provided all of the necessary documentation and these charges are erroneous and flawed. We have written Ally ( return, receipt requested mail ) demanding these charges, current and future, be removed from our Ally account immediately We believe the error lies between Ally Financial and XXXX XXXX XXXX but we are told by Ally that we must pay - no exception.
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| 06/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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On XX/XX/, I went into XXXX XXXX XXXX XXXX to see about the possibility of purchasing a vehicle. I did sign a piece of paper that XXXX XXXX XXXX will ask for identification to confirm how I am and that is all I signed, once. Also stating that it is XXXX XXXX XXXX I am applying for a car loan with. After spending about XXXX minutes hearing XXXX XXXX jiggle all the numbers around in loan offer I finally got up and went home. When I returned home, I seen that there are XXXX other banks on my Experian account that says I applied for credit with them. So I did make a report to the Office of Attorney General of California and when I received a mailing from The California Office of Attorney General in the mailing it shows that XXXX XXXX had slipped XXXX other documents that I was not shown on XX/XX/2023. On the second page labeled XXXX XXXX XXXX it shows that I agree to submit this application and any other application to other banks that XXXX XXXX XXXX XXXX discloses to me. I was not told of any other bank my word of mouth nor by paperwork. I find that what XXXX XXXX did was deceitful into doing XXXX thing, that is to demolish my credit report with numerous bank loans. bank loans that I did not authorize may i remind you. I have been denied credit from what I believe is from the inquiries. On document labeled attachment B it shows that that XXXX XXXX statements does not show he was checking another bank. Also when I went into the financial office XXXX XXXX had everything ready for me. Which means he made XXXX bank loan offers on his own without my permission while I was waiting in the lobby to call me in
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| 06/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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On XX/XX/, I spoke with XXXX from Ally Financial. I was informed my vehicle was in repossession status and I had three options. XXXX. To refinance my loan XXXX. Sell the vehicle XXXX. Allow Ally to repossess the vechicle. I knew with allowing Ally to repossess the Vehicle that my credit score would be severely impacted. So, I applied to refinance my loan which due to covid and the lack of work, my credit score was not in any shape for refinancing. Extremely overwhelmed, I called Ally back the next day to work out a settlement deal that was more feasible for me. I only owed XXXX XXXX on my vehicle and knew there could be a payoff request I could make. Ally offered to drop the amount to {$9300.00} and once payment was received by Ally, Ally agreed to settled the account. Ally also agreed to send me a letter for the credit bureaus noting the account was paid in full, the account was in good standing and to remove any negative impact in which the account currently had off my credit reports. I received the letter from Ally dated XX/XX/XXXX XXXX XXXX which did not state the removal from my credit report. The letter I received stated nothing close to what was agreed upon. Ally received my payment as promised and failed to comply with their agreement. Due to Ally failing to comply with the agreement, it has been detrimental to my livelihood, causing me enormous levels of stress due to my credit report having such a large delinquent on it from Ally. I have made several attempts to resolve this matter with Ally but to no avail has it been rectified. Ally received payment as promise once we agreed to settle.
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| 09/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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On XX/XX/XXXX, I traded in my previous lease in which was a XXXX XXXX XXXX, with the dealership, and got a new lease ( XXXX XXXX XXXX XXXX ). The account for the XXXX XXXX XXXX was then closed. I did not have any payments left on that car because I traded it in with the dealership for a new lease. I made the first payment for the new lease in XXXX with the dealership. And of course all of the subsequent months until present. In the month of XX/XX/XXXX, I paid my bill on the XXXX, ( for the XXXX XXXX XXXX ) the payment was applied ( not by choice ) towards the XXXX XXXX account that was closed in XXXX. I do not know if it could have been an error caused by the dealership or the bank. But as stated above, the account for the previous car was closed in XXXX when I traded it in. After many phone calls, and fights over the phone, I spoke with someone that was able to reallocate my payment from the account that was closed and applied towards the correct account, the XXXX XXXX XXXX XXXX. I have all proof needed to show payment was made on time and in the right month. But the Bank did not want to transfer it back to the correct account. This was then reallocated on XX/XX/XXXX ( 2 months later ). I paid every single car payment on time. The bank were the ones who reallocated only on a later date. There is no reason for the bank to report my account as " Delinquent ''. This has impacted my credit immensely. Making it very hard for me to do anything with poor credit, that was once very good. I would appreciate any kind of help to get that off of my credit report, since I have been paying every single on time.
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| 01/07/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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I purchased my vehicle in XX/XX/XXXX. On XX/XX/XXXX, I had XXXX and was out of work until XX/XX/XXXX. I called Ally and spoke with a man in XX/XX/XXXX requesting to push a payment to the end of my loan due to being out of work for 2 months. He said I could do that by making a payment which I did on the phone with him after explaining that i did not have the funds due to being out of work XXXX even the reason i asked to push the payment to the end of my loan. The payment was not pushed to the end of the loan i then fell behind on my payments. They have reported to my credit report a repossession in XX/XX/XXXX which is false because a payment was made in XXXX. I paid {$1900.00} to them in XXXX and today i spoke with XXXX XXXX extension XXXX to attempt to make a payment and she refused to set up a payment or allow me to speak with a manager. How can you report someone late who has spoken with multiple people to get the account caught up. They call me multiple times a day on my cell phone, when I answer they hang up or do not leave messages. The are violating FCRA AND TCPA REGULATIONS and they are not willing to assist their customers with getting accounts caught up. When I set up a payment in XX/XX/XXXX the girl told me to make my payment in the amount of the car note and dont worry about the past due amounts billed to my account but she failed to mention that my account would be reported last due since the full payment amount was not made. Please review every call I had with Ally, remove the past due and repossession as I have worked with this company for almost a year to get this account caught up.
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| 09/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
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|
Web |
Servicemember |
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Subject : Dispute for Late Payment Reporting on Charged-Off Account Dear XXXX XXXX Dispute Resolution Team, I am writing to formally dispute the recent late payment reporting on my charged-off account that is currently in collections. After initiating a dispute for incorrect information on this account, I was pleased to see that XXXX XXXX updated the information on XX/XX/XXXX. However, my satisfaction was short-lived, as on XX/XX/XXXX, you reported a late payment on an account that has already been charged off and is in collections.
This late payment notation has had a significant and detrimental impact on my credit score, causing it to drop by XXXX XXXX. As a result, I have lost my pre-approval letter, which was crucial for providing for my family 's needs. This sudden decrease in my credit score is creating substantial financial hardship for me and is negatively affecting my livelihood.
I urge you to investigate this matter urgently and rectify the situation by removing the late payment notation from my credit report. It is essential to correct this error promptly to restore my credit score to its previous status and enable me to regain my pre-approval letter, which is vital for my family 's well-being.
I am prepared to provide any necessary documentation to support my dispute and facilitate a swift resolution. Please consider the significant impact that this late payment notation has had on my financial situation and act promptly to rectify this issue.
I look forward to your prompt response and resolution of this matter. Thank you for your attention to this urgent issue.
Sincerely,
|
| 09/06/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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on or afound XX/XX/XXXX, i linked my ally bank savings account to my daughters, in order to transfer money to her. there was no indication on the tranfer link page to indicate that this was a prohibited transaction, and the link was processed. that led to my accounts and even my access to those accounts at ally bank [ including investment accounts ] being frozen.
the lack of a single sentence stating that links to accounts i did not personally own were prohibited, or a simple rejection of the link would have prevented this problem, so, to me, this was a problem of ally bank 's creation.
many calls to " fraud prevention '' at ally ensued. it took a week to renew access to my own money. i still have no access to my investment accounts [ which have had absolutely no activity ] as of today, XXXX XXXX.
one of the most frustrating aspects of this was the non=responsiveness of customer service [ bank, fraud prevention and investments ] to requests to speak to supervisors, managers or corporate officers. i was not allowed to speak to the person [ XXXX ... no last name ] " investigating '' the case, which could not have been simpler, and, as i said above, basically a problem of ally 's own creation.
i was, and continue to be denied access to my own money for what is now over 2 weeks. i find it hard to believe that such a practice could be acceptable. if ally needs more employees in order to resolve these matters in a timely way, they must hire them. in this case they could have presented the problem by simply including the necessary information on the transfer page, or simply voiding the request
|
| 12/06/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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A new XXXX XXXX XXXX we leased with Ally Bank on XX/XX/XXXX for 42 months with a mileage allowance of XXXX miles with excess miles to be charged at {$0.00} per mile. ( XXXX XXXX # is XXXX ). Additional damage protection was purchased which included protection for {$400.00} of excess mileage, i.e. 2,000 more miles bringing total maximum allowed miles to 37,043 before excess mileage would be charged.
The leased vehicle suffered a total loss due to Hurricane Ian on XX/XX/XXXX. Actual mileage at time of loss was 31,500 as reported on " CCC One Market Valuation Report '' prepared for the insurance provider and Ally, who received considerably more than the lease buyout agreement and has claimed and kept {$3200.00} for " Excess Mileage Charge Owed '' and has only refunded to me a balance of {$92.00}. This would be equivalent to a claimed 16,157 miles over and above the basic 35,043 miles allowed, bringing the total mileage of the car to 51,200. They are denying any knowledge of the additional 2,000 mile protection, but that is moot as the vehicle was still 3,543 miles below the total lease allowance.
Attached is the letter from Ally, the CCC One Valuation and a Mopar Extended Warranty purchased for the XXXX on XX/XX/XXXX which shows the mileage then as 30,001 - it would have been almost impossible to add over 21,000 miles in exactly 2 months.
Every attempt to get answers to the letter that Ally sent on XX/XX/XXXX claiming we owed {$3200.00} for excess mileage has resulted in misdirection and obfuscation. This is either a gross miscalculation bordering on negligence or a deliberate attempt at fraud.
|
| 01/16/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
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Web |
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On XX/XX/2022, my card with Ollo was charged {$660.00} from XXXX. I called into Ollo on XX/XX/XXXX, and told them that I did not authorize the transaction. They did a temporary adjustment, cancelled my card and sent me a replacement.
On XX/XX/2022, they recharged my card for the {$660.00}. I called back into Ollo customer service and they said that they declined the dispute because I kept using the card after that specific transaction which I did not.
They had sent me a NEW card that I was using since I called in about that charge, but I did not use that card with the disputed transaction since it was lost. My credit limit for the card is {$1000.00}. When they allowed that charge, the balance was {$960.00}. After the charge, the balance was {$1600.00}. I have been paying XXXX XXXX XXXX XXXX every month and have not been able to use it since they recharged the account with that charge in XXXX.
They are calling me everyday because the payments I have been sending since XX/XX/2022 are not enough for the {$1600.00} balance. But I did not authorize that charge nor did I have a rental with XXXX. They have been charging me $ $ $ late fees every month and are now reporting to the credit bureau that I am late on payments.
XX/XX/XXXX {$27.00} late fee XX/XX/XXXX {$40.00} late fee XX/XX/XXXX {$40.00} late fee XX/XX/XXXX {$40.00} late fee XX/XX/XXXX {$40.00} late fee XX/XX/XXXX {$40.00} late fee XXXX XXXX charge of {$660.00} needs to be reversed because I did not authorize the transation. & I'd like the late fees and interest to be refunded to the card and the mark on my credit report removed.
|
| 09/11/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
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Web |
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I completed an application to refinance my vehicle with XXXX XXXX and was approved on XXXX/XXXX/XXXX and they sent loan documents for me to sign with a interest rate of 4.14 % for a total of {$43000.00} financed amount. I signed and returned the documents on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I was informed the loan amount would not cover my payoff as interest accrues daily and I needed to make a partial payment, which I paid {$50.00} and sent XXXX XXXX the confirmation of payment. I was informed that my loan went to funding on XXXX/XXXX/XXXX and would take XXXX business days for XXXX XXXX XXXX to receive the payoff. By XXXX/XXXX/XXXX I was concerned the vehicle was not paid off and I did n't want it to have a negative impact on my credit so I made the full payment to my old lender. On XXXX/XXXX/XXXX, I received a voicemail from XXXX XXXX stating they made a mistake on my interest rate and that the interest rate increased to 4.79 % with a financed amount of {$44000.00}. This was followed by an email with new loan documents showing the increased terms along with a request for additional paystubs. XXXX XXXX called again on XXXX/XXXX/XXXX to make sure I received the new increased loan documents and that I needed to sign them asap in order to get the loan funded. I informed them that I am currently in a disaster area and affected by XXXX XXXX and trying to get documents copied/notarized, etc. was not possible. Furthermore, after almost a month of the refinance process including loan documents signed, I found it suspicious that the interest rate increases after a major disaster occurs in my area.
|
| 08/18/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
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Web |
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I had reached out on numerous separate occasions asking for a deferment. Each and every time they told me there is nothing they can do I was denied. I told them constantly i can not do it right now. My wife is not working, she has no income. She is fighting with her last job while having a claim in with the state to retrieve her funds that they never released. She is not able to collect unemployment until that is resolved so has no income. It is only mine and I can not afford all the bills by myself. I asked them repeatedly for a XXXX month deferment and they refused to work with me and instead and have no reported me payment as late to the credit bureaus. I have made payments to them and also told them when I got paid again I would pay the month up to date. To them that still was not good enough and would not cut me a break for just XXXX month when during the last several months my wife and I had both lost hours at work prior to this due to some of the covid spikes plus her occupation is not back all the way yet due to being a teacher so has been trying to find things to fill in here and there and they still just keep turning me away. I had to go to a debt program for my credit cards because it all got to be to much with inflation and companies refusing to offer assistance on top of trying to keep my house for my XXXX children. Not to mention the car was involved in a hit and run that now is in the auto shop that I somehow have to come up with money to pay for a deductible when somebody smashed the XXXX side completely up and then left the scene and the cops did nothing about that either.
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| 05/15/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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Ally bank took over GMAC. XXXX I paid off my 2009 XXXX early as I purchased it in XXXX brand new from a dealer in Idaho. I have copies of my last 9 checks and they are made out to Ally Bank and cashed/deposited to Ally Bank. I have called Ally bank 9 times and they refuse to give me my lien release. They say only the dealer can be sent the title when I in fact paid directly to Ally bank. They have sent me 4 letters they say I paid off my car. That is not enough for the state of Montana to change the title. The state of Montana needs an actual lien release. Through my 9 phone calls I was told only the dealer could be sent the title. Which they had some dealer in North Carolina as the dealer when in fact I bought the car in Idaho. They lie to me and tell me they are sending the lien release when in fact it is not, it is the letter stating that I paid off my car-four times they lied and sent me this letter. I started this process on XX/XX/XXXX and it is now XX/XX/XXXX and they are still being dishonest, in error sent my title to someone in North Carolina and I have no options as they will not help me at Ally bank. They are required by law to send me a title released of the lien and a lien release to the state of Montana. Which they have done neither and are breaking the law. They are also required by law to assist me when I paid them off and they are not. I have gathered I am not the first to struggle with Ally bank in this regard. Many have had to retain a lawyer to get a simple lien release. It is has been almost 7 years and they have 90 days to get me my title/lien release and they refuse.
|
| 08/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
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Web |
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Ally XXXX XXXX XXXX XXXX XXXXXXXX XXXX NJ Mortgage Dept I could not access my online dashboard to make my usual monthly paymt. I always pay one month in advance because Ally is notoriously bad at making mistakes. On XX/XX/XXXX, I went in to pay my XX/XX/XXXX mortg pmt. I could not access my dashboard and had a message to call in. The service rep said we all rec 'd a mailer that said the website was migrating and we needed to create new profiles ( I rec 'd no such mailer ). When I attempted to create a new profile, it sent a verification text to a phone number not associated to me. The account rep also had another number on file not associated to me. He could not fix my account, I could not access my data, and they had faulty data associated to me. They promised a return call which never came. When I called in the next day, another rep disclosed that the email address I updated to was no longer on file and it reverted to the email owned by the lender Ally bought my mortgage from. Additionally, my DOB was 'wiped ' which was preventing me from accessing the online profile. Finally, the service reps kept asking me to take a pmt over the phone which I was uncomfortable doing. I learned they did not actually work for Ally. When asked directly, they refused to answer they worked for a third party. Their lack of transparency and honesty is a red flag in this operation. In summary, Ally 's abuse and loss or misplacement of data is critical security issue, and they have operators in place not qualified to remediate the issue. My data is currently unsecure and I request your immediate investigation.
|
| 06/23/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Web |
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OnXX/XX/XXXX I changed the password to my savings account at Ally Bank as part of a routine password update using a different internet browser than I normally use, but using the same computer I always use to access my account. I was asked to verify the browser using 2-step SMS verification, and was able to successfully update my password.
On XX/XX/ I received an email from Ally Bank saying that they had locked my account due to suspcious activity and that I should call their XXXX XXXX number. So I did and explained the situation and my suspicions that the password change had triggered this. However, instead of being able to unlock my account they told me that 1 ) My account was indefinitely locked until they completed a fraud investigation 2 ) That they could not tell me what had tripped the fraud investigation nor how long the investigation would take.
3 ) That I would not be able to access my bank account until the investigation completed and they called me back.
They essentially provided no information has to how or why this fraud trigger had occurred and gave me no recourse or process for removing it besides answering some basic questions and then telling me they could not tell me when the investigation would conclude. I am now effectively unable to access my funds and have no idea when I will regain access. I have called them 3 times and each time been given the same line read response. I should not be losing access to this account and being given such a lack of detail into it and I need them to reopen it soon or at least provide me with a definite timeline and further context.
|
| 01/07/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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In XX/XX/XXXX I opened an account with HCS Loans at XXXX. XXXX XXXX XXXX, NC XXXX. Everyone was great, made payments no problem. When Covid 19 happened in XX/XX/XXXX HCS Loans granted me a nonpayment without penalty for three months. Sometime in those three months HCS Loans either filed bankrupt or changed their name to Ally Lending. Ally Lending ( previously HCS ) notified me the payment deferral program the account was ending however, I did not sign any contracts with Ally Lending. Ally Lending ( previously HCS ) informed me documentation was not processed correctly from HCS. I would also state without my permission. Ally Lending constantly informs me of the wrong balance & has not submitted a new contract to me. They are not helpful & are becoming harassing on a loan I did not sign with them.
Ally Lending is not honoring their COVID 19 relief by demanding account be brought up to date by XX/XX/XXXX ... The promotional end date was adjusted to XX/XX/XXXX. In order to continue to qualify for the promotion, you were required to bring the account current with a minimum payment amount of {$310.00} by XX/XX/XXXX defeating the purpose of the COVID XXXX RELIEF.
Payments will no longer be made on this account until this Financial Institution shows THE PAY OFF AMOUNT OF {$300.00} on the statements which is required by law ....
The payoff amount on this account is {$300.00}. Should they choose to not honor the Extended promotional date of XX/XX/XXXX, they can change the name of the company again. The pay off amount was always shown on HCS statements & every other account I have ever held.
|
| 10/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
Servicemember |
|
This is the 3rd complaint I have a police report a XXXX XXXX report by Ally Financial XXXX Police Report case number # XXXX. I had to XXXX XXXX XXXX Police XXXX on XXXX so he could do a report and open a case again XXXX that has allows Ally Financial to fraudulently once again reopened a closed charge off account from XX/XX/XXXX from a dispute completed on XX/XX/XXXX which ruined my XXXX XXXX XXXX from a XXXX to a XXXX I received notice that the account once again reopened on XXXX XXXX per XXXX from Ally Financial and they have updated fraudulent information again on XX/XX/XXXX and closed this Ally Financial account once again and updated with a fraudulent closed date of XXXX this account you will see with tut documents uploaded from a XXXX XXXX report on XXXX that this account had a closed charge off date of XXXX I am going to upload a voice recording dated XXXX from XXXX XXXX department XXXX that all the information they was given came from Ally Financial telling them it is verified.on what do to with opening and closing this aged account that not aged not because they fraudulently added a new closed date of XXXX. This is a FCRA violation and this is a FRAUDULENT reporting incorrectly closed dates on purpose by the creditor ALLY FINANCIAL time XXXX stated they cant do anything its ALLY FINANCIAL that is reporting all the information to us. I am SICK and TiRED and SOMETHING need to be DONE and this complex needs to be PROSECUTED for this..I have also filed a FTC Identity fraud complaint as of today XXXX against Ally Financial IDENTITY FRAUD ACCOUNT and IDENTITY FRAUD credit reporting..
|
| 08/08/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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Due to Covid19 and loss of business income, I had a vehicle I voluntarily surrendered to Ally Financial, that vehicle was sold on XX/XX/XXXX, I received a letter from Ally Financial on XX/XX/XXXX stating what my deficiency balance was. On XXXX XXXX, I tried to call Ally Financial and was routed through their automated system to XXXX XXXX as it indicated my account had been turned over to them for collection. I tried for several days to reach XXXX and finally on XX/XX/XXXX, was able to reach XXXX XXXX XXXX with XXXX. Upon my conversation with him, a settlement agreement was made in the amount of {$4200.00}. I gave him account information for which to take that payment out of. I was told that once that cleared my bank account, I should call back in and they could then issue me a receipt and also would notify Ally Financial At that time that my payment was made in full and had cleared. Since XXXX XXXX, when I was notified by my bank that the payment to XXXX XXXX had processed and cleared, I can't get anyone to answer the phone. I have called daily if not multiple times a day since XXXX XXXX and left at least one if not more messages a day requesting a receipt for this payment beyond what my bank statement has already showed. There has been no answer on their end nor any attempt to call me back. I would like to get this settled and have formal receipts from XXXX so that I can show this paid and also so that Ally Financial will show this has been paid.
You'd think after handing this company over {$4200.00}, they could do a much better job in customer service.
XXXX XXXX XXXX XXXX XXXX, KS
|
| 05/17/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
I filed a dispute with my bank ( Ally Online ) regarding charges from a XXXX merchant that I requested be refunded. The XXXX merchant did not comply with the refund so I had resorted to disputing the charges with my bank. The date of the charges were on XXXX/XXXX/2016 and I contacted the XXXX merchant on XXXX/XXXX/2016 to tell them to refund me the full amount. I also contacted my bank that day to open a dispute about the charges just in case. The XXXX merchant confirmed that I would see the refund by XXXX/XXXX/2016 credited back to my account but by that day, only a portion of the full amount had been refunded. So I proceeded with pursuing the dispute through my bank and on XXXX/XXXX/2016 I was given a form to give a written account of the dispute. I completed and submitted the form on XXXX/XXXX/2016 and received no confirmation that the form was received by the disputes department ( using e-mail address XXXXXXXXXXXX ) and assumed they would contact me if and when they had or needed more information. Jumping ahead to XXXX/XXXX/2016 ( the date of this complaint ) I called to follow up and learn that they incorrectly closed my dispute because I said I was going to pursue the refund with the XXXX merchant directly. Not only is that false, but its stated right in my written form that this option was already pursued, unfulfilled, and that I expected the bank to pursue this route on my behalf. They did not issue the provisional credit back of the amount that I disputed within 10 business days of me submitting the complaint and they also incorrectly closed my dispute without any notice to me.
|
| 10/26/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
XXXX Ally Auto has blocked my account from making any online payments. There was an issue with one of my banks which resulted in returned payments from Ally attempting to debit the account several times. I had to use a different account that Ally successfully received payment from. On XX/XX/23 I attempted to make a payment online at I was locked out of my account and was unable to get back into the account until XX/XX/23. Since then I have been trying to speak with a manager, which Ally refuses to transfer me to as to why my account is blocked from making payments online. I spoke with several reps who said I'm being required to submit certified payments. I've repeatedly stated that I don't have access to that option and asked for additional information, which was also refused. These reps claim that this is Ally 's policy and that my bank blocked my account. My bank did not do this and can not block another company 's account. This policy is not in my contract nor is it on the disclosures on the website. It is illegal to make any changes to a consumer account without proper written notification and as a result of the lack of competency from this company, I have acquired unnecessary late fees and Ally refuses to address my issues. By law, Ally was required to send me notice 30 days before my due date and they failed to do so. At this point, they are scamming customers because this is not a policy included in my written contract or any of the disclosure agreements. Ally needs to unblock my account so I can make a payment or completely resolve my loan before this turns into a legal matter.
|
| 01/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XX/XX/XXXX Re : Inquiry I was looking over my credit report and noticed I have an inquiry from your financial institution dated XX/XX/XXXX. Your inquiry is an indication you access my credit profile without my written consent as a result you received benefit for the use of my consumer credit application and was compensated. However, the consumer was denied. Please make note that adverse action against a consumer is against the law according to the Equal Credit Opportunity Credit Act which codified in 15 USC 1691c and Pursuant to liability under 15 USC 1692k.
You are subjected to criminally liability for violating 15 USC 1691 has I have proof that I was discriminated against based off the inquiry date from my consumer report and I received no benefit from your corporation.
Your financial institution is in violations of 15 USC Code 1642, 15 USC 1681m and 12 C.F.R. 1001 because I, the consumer, made an application in good faith but no credit was granted.
Further, because my social security number ( credit card ) was used and I received NO benefit is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of your Financial Institution. The is an act of Aggravated Identity Theft.
If your Financial Institution fails to make reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make your financial instiution criminally and civilly liability for all he actual damages pursuant to 15 USC 1681n and 15 USC 1681o.
You will remove this inquiry from XXXX, XXXX, and XXXX.
Respectfully, XXXX XXXX XXXX, Agent Without Recourse
|
| 02/27/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
Ally Financial should be investigated by Government Regulatory for their business tactics when you have an account through Ally Auto. I called this morning XX/XX/21 to negotiate arrangements to make my car payment and also to see if there was a way to have the monthly payments lowered. The representative for one after stating that I did not give consent to having my phone conversation recorded said that " all phone calls must be recorded and there's nothing that can be done about that. '' I said by Law if I do not give consent the call can not be recorded so I ended that conversation and called back. Got another representative that after I advised I did not want to be recorded she said the same and that she could document my wishes, I said okay but know for the record my wishes are not to be recorded.
So I commence the negotiation to make some arrangements to pay my past due and get caught up. The representative said there was nothing Ally could offer me according to the computer reading and I asked why, she said it does not tell her why. So I next asked her if there was a way to lower the payments per month so I can stay current. She places me on a brief hold and comes back with the same answer, I asked her if she can explain why I was denied and the same answer again from her.
Ally Auto though their website says it has assistance has denied with no explanation my request for assistance and as a consumer that care about my business relationship with Ally and I am willing to and attempting to keep some good standing with Ally they deny any help on their end with no reasons why.
|
| 04/27/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
Chronology of Contacts with Ally XX/XX/XXXX transfer request for IRA in amount of {$68000.00} was initiated via facsimile XX/XX/XXXX Ally called to say signature faint XX/XX/XXXX transfer request resent with dark signature XX/XX/XXXX multiple calls to Ally told signature faint. Eventually told Ally said signature faint. Left numerous messages for spoke with XXXX, XXXX, XXXX XXXX, XXXX, XXXX. No phone calls returned on XX/XX/XXXX Executive leadership team would call with 1-2 business days.
XX/XX/XXXX Resent transfer request for third time via XXXX overnight delivery.
XX/XX/XXXX spoke with XXXX XXXX XXXX- no idea where the transfer request is. According to XXXX Transfer request was received by Ally on XX/XX/XXXX @ XXXX XXXX
XX/XX/XXXX spoke with XXXX who assured she would follow up but had no idea where the transfer request form was.
XX/XX/XXXX spoke with XXXX, XXXX- no idea on where the document was.
XX/XX/XXXX spoke with XXXX who was trying to find out if transfer request form was in the mail dept., imaging dept., operations dept., transfer dept. she promised to call back in 15 minutes. Did not call.
XX/XX/XXXX spoke with XXXX - no idea where document was - refused to take a message for XXXX or any other supervisor to call back.
XX/XX/XXXX spoke with XXXX - form received yesterday and is being escalated for processing.
In the course of this issue, messages were left for and requested phone call returns were requested from multiple people, including general supervisors, XXXX, XXXX, XXXX XXXX, XXXX, XXXX. Other than XXXX on 2 occasions, no phone calls were returned.
|
| 01/06/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
A auto loan that was financed under my name that XXXX XXXX Of XXXX was the dealership sold extra products to me ( was suppose to be a cosign loan ) and at my request for gap and I made certain to mention at the said time, NO ADEMDON, CONTRACT ONLY! Yes Ms XXXX, contract, I asked if it weren't XXXX XXXX XXXX and was told once again NO. Latter in the year, the unthinkable happened and the XXXX truck was totaled. I figured it would be paid off, NOPE. I'm left holding additional {$2300.00} that the gap won't pay off and a negative on my credit with Ally Financial. I have or had awesome credit due to me always paying on time. I asked Ally if they would work with me to drop all interest and late fees and I'd send XXXX XXXX every month until paid off, NOPE Account Info Account Name ALLY FINANCIAL Account Number XXXX Account Type Auto Loan Responsibility Individual Date Opened XX/XX/2020 Status Open.
Status Updated XX/XX/2020 Balance {$2300.00} Balance Updated XX/XX/2020 Recent Payment {$1700.00} Monthly Payment {$790.00} Original Balance {$48000.00} Highest Balance {$0.00} Terms 78 Months Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 30 Current on payments 30 30 Days Past Due Balance History Date Balance Scheduled Payment Paid XX/XX/2020 {$8200.00} {$790.00} {$0.00} XX/XX/2020 {$49000.00} {$790.00} {$0.00} XX/XX/2020 {$48000.00} {$790.00} {$0.00} XX/XX/2020 {$48000.00} {$790.00} {$0.00} XX/XX/2020 {$48000.00} {$0.00} {$0.00} XXXX XXXX {$47000.00} {$0.00} {$790.00} XX/XX/2020 {$48000.00} {$790.00} {$790.00} XX/XX/2020 {$48000.00} {$790.00} {$790.00}
|
| 02/28/2019 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
Hi there, My wife and I both enrolled a 1 % deposit bonus program in XX/XX/2018 at Ally bank. This offer was giving each customer 1 % bonus of total deposit amounts. After contact with Ally bank, I was told we both can not receive the deposit bonus because we have withdrawn some funds from our previous joint account. However, I don't accept their explanation so I would like to submit this complaint.
My wife and I used to have a joint XXXX High Yield Certificate of Deposit ( CD ) ending in XXXX and we closed it and withdraw {$100000.00} from this account. After closing this account ending in XXXX, we opened two different Certificate of Deposit ( CD ) individually. I opened a No Penalty 11 Month CD account ending in XXXX and deposited {$100000.00}. My wife opened a 12 month CD ending with XXXX and deposited {$85000.00}.
Ally explained to me that because I deposit {$100000.00} and withdraw {$100000.00} from the joint account XXXX, I didn't qualify for the promotion. For my wife, she deposited {$85000.00} and withdraw {$100000.00} from the joint account XXXX, she didn't qualify for the promotion either. Obviously, Ally bank mistakenly counted the closed joint account XXXX twice, make my wife and I both missed this promotion.My understand is if {$100000.00} of closing account was counted on my account, it would not be counted again on my wife 's account. So at least the {$85000.00} of my wife 's deposit should be counted as new external funds and she is supposed to receive a {$850.00} deposit bonus.
I submit this complaint to ask Ally bank help us to fix this issue?
Thanks XXXX
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| 10/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.
What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
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| 07/06/2018 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
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- Closing an account
- Funds not received from closed account
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Web |
Servicemember |
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Complaint against Ally Bank regarding CD # ... XXXX This CD matured on XX/XX/2018. I had XXXX XXXXXXXX on that date, but I called Ally Bank on XX/XX/2018 and requested that the CD be redeemed since it had matured and I requested that the check in amount of {$100000.00} to be mailed to my home address on file, which I had already repeated to her over the telephone. The Ally agent was confused and I had to repeat my request and my home address for a total of three times. I placed the telephone call on speaker so that my wife could hear the conversation. We were both stunned as to the womans incompetence and her confusion. She finally stated that a check would be mailed in 5-7 business days.
I called Ally Bank on XX/XX/2018 and inquired about the check. The first agent I spoke to could not get her computer to work and she transferred me to a second agent who also had trouble pulling up the account on her computer. Eighteen minutes later a third agent named XXXX was called in to discuss this. XXXX told me that the account was never closed and that a penalty was being invoked. I told her that I closed the account on XX/XX/2018 well within the 10 day grace period. She objected and said that today was beyond the 10 day grace period. I reminded her that I had already closed the account with my phone call on XX/XX/XXXX and she said the account was never closed. She finally admitted that their phone records indicated that I indeed called on XX/XX/XXXX and agreed to waive the penalty. She promised that a check in the full amount of the matured CD would be mailed to me today ( XX/XX/2018 ).
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| 12/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Incorrect information on your report
- Information is incorrect
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Web |
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I bought a XXXX XXXX for cash, in XXXX, from XXXX XXXX XXXX XXXX XXXX California XXXX in XXXX. Car 's identification number is : XXXX. When I bought the car, I fully paid for it with no loans. I fully paid for it when I bought it with no car loans. I went to get the title from XXXX XXXX, on XX/XX/XXXX, and I was told that XXXX ( XXXX XXXX XXXX XXXX MD ) is the lien holder and I need a lien clearance from them. On XX/XX/XXXX, I called XXXXXXXX XXXX XXXX who told me XXXX is no longer the holder of this lien and Ally Financial, phone number XXXX is the lien holder. On XXXX I called Ally Financial and they told me they did not have access to this older file and higher management has to review it for 48 business hours. They told me they will call me and that they CAN NOT email me about this case. This concerened me because they said they can not email me for updates. When I asked for an email regarding this case, they said they can not use email for this older file. They generated a reference number for my case which is XXXX. I asked why a car that was fully purchased without a loan, in XXXX, had a lien on it and they said they did not have access to the file and higher management has to look at it and it is possible that it was sent to the lien hold section by mistake. I am concerened that they have put a lien on a car I bought in XXXX and paid fully for it at the time of I bought it. I should have the car 's title. Can you please look into why this institution has a lien on my car and they have not remedied this situation by sending a lien waiver to me or to XXXX XXXX. Thank you.
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| 07/19/2023 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
Servicemember |
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I initiated a XXXX transfer and then cancelled after verification that it was me. Somehow this flagged my account and they wanted to investigate the funds in question to protect the safety of our customers for 1-3 days ( last Friday ). It is now Tuesday and my entire account and ALL of my funds are locked. I have tried calling several times and have been unable to reach someone helpful. I asked how me choosing to leave my funds in my account is not protecting me, their customer, and why I couldve just let the funds transfer through XXXX and it wouldnt have raised an eyebrow- they could not answer this and just kept saying the same blanket statement about protection and could not critically think about how nonsensical this process is. I could have just let the transfer go and have the receiving party XXXX me back all within a couple minutes, but somehow me leaving my funds in my account is suspicious enough to totally lock down my account indefinitely. I am without access to these funds and it has caused a major headache. The last rep I talked to said only the funds involved in the XXXX in question would be locked, but that was a lie. Once/if I finally reach someone and get this unlocked I will be transferring all funds to another bank and closing out my tie to them. Their customer service has been abysmal and just this nature of the situation itself is totally ridiculous- why am I being denied access or receiving a punishment for choosing to leave my funds in my account..? That makes zero sense whatsoever. If I was a scammer, my goal would be to get the funds OUT of my account.
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| 09/11/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
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Web |
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On XX/XX/XXXX I initiated a payment of {$900.00} on Ally 's website through their " XXXX '' feature. It is essentially a peer-to-peer payment system similar to XXXX. " XXXX '' has this nifty feature where you can delay the payment being sent, so I chose to delay the payment until the XX/XX/XXXX so I could confirm if the goods were sent or not. My payment ended up being taken and deposited with no goods or services provided. When I went to go cancel the " XXXX '' payment, the payment said it had arrived in the recipients bank account " within minutes '' of me hitting send ... .I then reach out to Ally to let them know of the situation and the representative has not a clue about " XXXX ''. I asked if it would be possible to initiate a chargeback considering I had sent the payment on the terms it be delayed until the XX/XX/XXXX and I confirmed the goods had been sent. After a brief hold, I am told to dispute the sent payment through XXXX and they would contact me within 10 business days about retrieving my money. Of course, 10 days later I receive a letter stating they can not help me retrieve my money since I initiated the payment. When I reach out to " XXXX '' customer service on the matter, they state it should only be used with people you know and that my bank would help retrieve my money. So here I am with both companies pointing fingers with no real information on where my money is and why they have no fraud protection on their services. A true disgrace that they implement a feature in their platform that has no regards of protecting their users and keeping their money safe.
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| 03/27/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
Older American |
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I filed a complaint against Ally regarding my car loan earlier today however I finally was able to speak with an agent and learned why I have had so many issues during the four years. When Ally credits a payment they credit the payment to next or current car payment but do not credit any of the funds to any amount that may be " in arrears ''. When the next payment comes in they continue to credit the entire amount to the next payment regardless if there is a late fee or shortage in the previous/current month on the account. This keeps the customers account in a constant shortage which then incurs additional late charges and sets the customer up for reporting to the credit bureau. This is what has been happening to me since I became an Ally customer over 4 years ago. I have complained several times to Ally but they deny doing anything wrong. Today " XXXX '' told me how Ally credits payments which explains why/how Ally has been overcharging me for the last 4 years. Per " XXXX '' this form of accounting is perfectly acceptable. If this is the way a bank/credit union is suppose to credit payments then I have several other accounts to file complaints because none of my other lender do this underhanded accounting. I make more than XXXX payment per month so instead of Ally crediting my payments to current month or any arearage they are crediting payments to potentially future payments and leaving me with multiple late fees. When I make a payment I expect the money will be credited to what I owe - late fees, current monthly payment if additional to principle. I expect this every month.
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| 08/25/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On XX/XX/2022, I was notified via the Ally Bank mobile app that a large transaction totaling {$470.00} was made on my personal checking account via my debit card for an online purchase. I do not carry my debit cards and use them only for ATMs. When I'm not expressly going to an ATM, they're locked in a safe. Immediately I went into Ally 's mobile app and locked both of my debit cards. I called Ally and waited on the phone for approximately an hour and a half that evening to report the fraudulent charge. After reporting, I was told that an investigation would be opened into the charge and a resolution would be reached within 10 business days.
New debit cards were sent. Following receipt of the new cards, fraudulent charges are still being attempted, but declined since I've locked the cards down in the mobile app. I reached out again via secure internal email on XX/XX/2022 for an update, but the message remains unanswered.
I called again today, XX/XX/2022, XXXX business days later, to check in on the status of the funds being returned and found that the first representative had never actually initiated a dispute, so no action was taken. The representative I spoke with today, XXXX, has told me it's now disputed, however it'll take another 10 business days for a possible resolution, which was very frustrating. Ally could not tell me how the cards were compromised or how they continue to be hit with attempted transactions on the brand new cards, but judging from a look online, this is a recent widespread event impacting hundreds of people under the same circumstances with Ally.
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| 08/28/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
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I opened an online savings account with Ally bank in XXXX of XXXX, and deposited {$7000.00} of my personal funds. The transaction went thought successfully, but shortly after, there was a hold on my account, a hold which has been going on for over a year now. The initial issue was my address, but after proof of address was given, I was told the funds I initially deposited will be returned to my account anyway. Months have passed and that has yet to happen. Whenever I called requesting updates, I was told that an investigator would contact me once the investigation was completed. My bank has stated that it isnt legal for Ally bank to withhold my funds for this long. This has caused severe emotional damage as Ive been waiting for my funds to be returned to me. I need someone who is actually going to be able to help me rectify this issue, as the ally bank representatives tend to give me conflicting information. I have countless phone call logs I have made to ally bank over the years, as well as different representative names. Finally Ally bank told me they will return my money once my financial institution ( XXXX XXXX XXXX XXXX ) reaches out for it on my behalf. My bank representative, XXXX reached out XX/XX/XXXX, but was rejected twice by Ally bank. I have the documents showing my banks request being denied by Ally bank. At this point, Im not sure what more I need to do on my end in order to get my funds back. The last time I talked to Ally bank asking them why they rejected my banks request, was XX/XX/XXXX. I was told theyd give me a call back. I am still waiting for that call
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| 05/13/2021 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I got an auto loan with Ally on a XXXX XXXX XXXX on XX/XX/XXXX. I had an accident on XXXX of XXXX and the car was totaled. My car insurance most of the balance on the car and the GAP insurance paid the rest. For this, the GAP insurance requested ally the balance on the account. Ally provided a " Live Schedule '' ( see document attached ) on XX/XX/XXXX where it says that the balance on the account is {$2700.00}. My Gap insurance made a payment for {$2700.00} on XX/XX/XXXX. I did not hear from Ally anymore, and I assume the balance was set.
A few months ago, I noticed that I still have a balance on my account for {$130.00}. I tried to contact Ally multiple times requesting an explanation for this, as the GAP insurance paid the total amount last summer. I called multiple time and spent multiple hours on the phone waiting for an explanation, but they always transferred my called to multiple department before hanging up on me.
Lately, they have been calling me multiple times, even during weekends ( XXXX 's XXXX ) trying to collect the money. At this points it feels as they are harassing me because I have told them to call after XXXX ( CT ) because it will interfere with my job. Also, every time I answer, I have asked them to explain the reason on the balance and they can not provide me one.
I am really tired of this situation, especially when it is obvious there is a mistake on their end. The GAP insurance paid the amount requested by them so there should not be a balance. Now, if there is a balance, it means they provided the wrong information. Either way is an error by ALLY.
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| 06/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- High-pressure sales tactics
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Web |
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I would like to file a complaint with the Consumer Financial Protection Bureau regarding a situation where I was deceived into signing up as the primary signer for a car loan for a very old car, with Ally Financial, instead of being a co-signer as originally intended. Both my ex boyfriend, whom I was co-signing for, and I had poor credit histories and low income. At the time, I was already paying off my own car loan. The lender 's decision to involve two individuals with inadequate credit in the loan agreement seems highly predatory and unethical.
Throughout the loan term, I struggled immensely to manage the financial burden of two car loans, as my ex-partner refused to contribute to the payments. Only after my ex received a lump sum of money from COVID relief funds was the car loan finally paid off. Unfortunately, the repercussions of this experience have left a lasting impact on my credit, making it extremely challenging for me to obtain a new car or a home. I believe that the lender 's actions were not only predatory but also racially discriminatory, as they deliberately burdened me with a loan that they knew I could not comfortably afford, given my credit and income.
Looking back, I regret not having filed for bankruptcy, as it would have allowed me to clear my credit by now. I sincerely hope that the Consumer Financial Protection Bureau can investigate this matter thoroughly and address the unfair practices employed by the lender. It is crucial that action is taken to prevent others from falling victim to similar predatory and discriminatory practices in the future.
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| 07/04/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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Ally Financial/Auto repossessed my car on XX/XX/XXXX with no notice of intent to repo until XX/XX/XXXX. I contacted SEVERAL rude and uncooperative sales reps. They all had different stories and all claimed I had missed different months payments. I disputed the credit reports with 2 out of 3 agreeing with me. I have bank statements showing where I paid ahead of time on 3 separate occasions putting me 1 to 2 months ahead of time. When I was ahead and so skipped a month, then I was charged late fees and extra interest. The contract states I have a 15 day grace period to pay each month making payments due the XXXX to the XXXX but if I paid even 1 day after the XXXX, I was charged late fees. The company harassed me on 2 separate occasions so much making me believe I had missed a payment that I struggled on both occasions to make 2 payments the next month putting me in financial ruin. I had to put off other debts to pay Ally extra when I did not owe extra. The last payment I made including extra was applied completely to interest so I am told by an Ally rep. They sold my car and did not notify me of when or where the sale would be. I had no notification they were selling the car. Now they want an additional {$3600.00} and are reporting it past due as of XX/XX/XXXX when I didn't even know they had sold the car. Ally auto has put me in a downward spiral with my other creditors and ruined my credit report. It has been a nightmare dealing with them for the past 12 months. Attached Is all supporting information even bank reports showing 2 payments Ally is not even giving me credit for.
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| 07/10/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with the interest rate
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Web |
Servicemember |
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The finance company gave me a different interest rate than what was told to me at the time of the sale. They had full access to my account and would automatically take out my payment on a non payday, causing me to rack up late fees. When I ask to move my payment to my payday they informed me that they did but they really didn't. And with doing this it put me upside down in my vehicle within the first 5 months of having this car. I have been dealing with this now for 2 years because no one will touch it with the interest rate they have me at, and they still will not budge on anything. Within the 2 year i have tried to get out from under this company and still nothing because i am now so far negative on this note. I am still paying my car note on my payday and still receiving late fees. I do not feel like i got a good deal on my car or the financing. I strongly feel like they are railroading me and the car is only Valued at {$7900.00} if anything. They car was price at XXXX. After 5 months of having this vehicle the car was priced at XXXX. I drive a used 2013 XXXX XXXX with now XXXX miles on it. I am looking at paying way more than what the car is worth. Plus everytime i call to get a pay out the amount is always different. In 1 weekend the payout amount went from XXXX to 15k-plus to XXXX. to the final {$15000.00}. Nothing is adding up with this finance company. And I want to put them on notice and if anything stop them from taking advantage of people. My credit has been completely shot due to ALLY Financial. I am now having to somehow start over just to get my credit decent.
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| 11/30/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Other transaction problem
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Web |
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In XX/XX/XXXX, Ally Bank blocked my access to XXXX through their website and app. When attempting to access XXXX on Ally 's website, the message " There is a problem with the information in your profile. Please call us to resolve '' is displayed.
I have made numerous attempts to resolve this issue with Ally in the last six weeks, and I have not made any progress. Unfortunately, this issue impacts me at Ally Bank and all financial institutions because Ally has the XXXX " tokens '' associated with my mobile phone number and primary email address, which means other banks can not use them. I have confirmed this directly with the XXXX company, who explained that only Ally Bank can release these tokens. The inability to use XXXX is impacting my financial life as it is the way many of my friends and colleagues reimburse each other for various activities.
The reference number that Ally Bank has given me for this issue is XXXX. In six weeks, Ally has made no progress in resolving this issue. Some customer service agents at Ally told me it is a " back-end systems issue. '' I have not been told that I did anything wrong or that any identity theft or fraud is suspected.
Here is a partial list of the phone calls with Ally to resolve this issue ( all times XXXX ) XX/XX/XXXX - XXXX - XXXX minutes XX/XX/XXXX - XXXX - XXXX minutes XX/XX/XXXX - XXXX - XXXX minutes XX/XX/XXXX - XXXX - XXXX minutes XXXX - XXXX - XXXX minutes XX/XX/XXXX - XXXX - XXXX minutes XX/XX/XXXX - XXXX - XXXX minutes XX/XX/XXXX - XXXX - XXXX minutes XX/XX/XXXX - XXXX - XXXX minutes XX/XX/XXXX - XXXX - XXXX minutes
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| 01/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act {$600.00} as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity.
If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this.
Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above.
According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report.
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| 01/10/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Older American |
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I make two - 1/2 payments on my car a month. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I get paid twice a month. Thus the payment schedule above. I was in the process of setting this up and I did have auto pay set up with my credit Union ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), however, I discontinued this payment to set up the new process. Apparently I didn't discontinue soon enough, but I didn't know that a {$420.00} payment had been sent at that moment. And I set up the new payment plan. When I discovered the error I called both Ally Bank and XXXX to stop payment. Neither bank would do anything and they sent me back to the other institution! Frustrated, the payment went through, right before XXXX! Finally, Ally bank assured me of reimbursement. I have called them, At Least 3 more times, including today. I kept being reassured that it had been mailed out. Today I'm told that it wasn't sent out and they just applied it to my XX/XX/XXXX car payment! And since they deal with a 3rd party payment system, it would take another few weeks! I'm BEYOND FRUSTRATED AND ANGRY. I have XXXX grandchildren, a niece and nephew, who STILL haven't received their XXXX XXXX cash ( teenagers! Lol ) and, AND if I don't have my college class paid for today, I will miss my class this semester. Now I'm REALLY not happy. I feel that they need more than a slap on the wrist! The only thing this financial institution understands are big fat $ $ penalties. I feel that I deserve more than the {$420.00} that they have lied about refunding. Double it! Lol!
Thank you, XXXX XXXX XXXX XXXX
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| 06/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I disputed inaccurate information about a 30 late payment in XX/XX/2020 with Ally Financial ( Account number # XXXX ) on my XXXX credit report ( Report Number XXXX hard copy ). The results of XXXX investigation appears to have updated my credit report ( which has a different report number of XXXX ) now showing that a 30 day late payment occurred in XX/XX/2020.
This poses many questions and problems at the same time. Why are there multiple credit reports? This appears to be very deceptive. For XXXX to change what was initially being reported as accurate on my credit report ( 30 day late payment in XX/XX/2020 ) means that they were knowingly reporting inaccurate information which is a violation of the FCRA which should have resulted in the deletion of this 30 day late payment.
How could XXXX report this late payment as accurate and upon my dispute change the month they said was correct initially to an entirely different month.
Ive had trouble with getting this resolved with Ally Financial and on their online account system it shows that 2 payments were made in XX/XX/2020 but they claim that they dont see that and its their system. Multiple phone calls, emails and letters have gone unresolved. They put the burden of proof on me to validate something that is listed on their website ( see attached ).
As a consumer and taxpayer, I feel as though Im helpless against these credit bureaus and companies like Ally Financial who report inaccurate information and are not held accountable for it.
They can damage my credit profile with no repercussions. Its not fair at all.
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| 12/12/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with the interest rate
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Web |
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XX/XX/XXXX : Purchased a car and got a loan through Ally Financial.
First payment due : XX/XX/XXXX. First payment made : XX/XX/XXXX All payments due on XX/XX/XXXX of the month. All payments were made and credited well in advance of the XX/XX/XXXX of each month.
XX/XX/XXXX : Contacted Ally Financial by mail. It was about my car loan 's finance charges fluctuating each month. I questioned why there was a range in finance charges from {$98.00} to {$230.00} in the first four months of my car loan with them. ( I have never been late. ) XX/XX/XXXX : Response from company was a print out of my payment history.
XX/XX/XXXX : I contacted Ally Financial by mail again with the same question.
No response as of yet.
XX/XX/XXXX : I filed a consumer complaint form with the Ohio Attorney General 's Consumer Protection Section. Additionally, I mailed a copy of the complaint to Ally Financial.
No response as of yet from either Ally or the Ohio Attorney General 's Consumer Protection Section.
XX/XX/XXXX : I checked today on my payment history with Ally Financial and my finance charges for XX/XX/XXXX were an outrageous {$270.00} ( my cay payment is {$310.00} ).
I have never been late.
I have also tried to pay at different times to see if I could find a pattern none that I can determine.
I find it unbelievable that Ally has never responded to my question about these finance charges fluctuating.
I find it unbelievable that a company can charge me this amounts these fluctuations are well above any interest rate for my loan. I can not imagine that these finance charges are correct.
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| 03/31/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
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Web |
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on XXXX I financed a new XXXX pickup from XXXX, in XXXX ca. The salesman also sold me GAP protection, stating that if anything happened to the vehicle on a total loss that GAP will pay the outstanding balance. on XXXX I suffered a total loss of my XXXX XXXX pickup. I notified my insurance company, and Ally the finance company of the total loss. Ally stated verbally that the account was now frozen and would be in contact with the insurance company. My insurance company XXXX, settled their claim in the amount of XXXX, GAP was contacted and the process was started and all outstanding service contracts were refunded to the lender and noted as refundable items in the amount of XXXX. GAP determined the balance at the date of loss was XXXX after settlement and other credits the remaining balance would be XXXX upon conversation will Ally they stated verbally on the phone that everything was taken care of and they were in communication with GAP and that the account was paid and closed. During this time ALLY has reported me as late during my loss, then as current after they received the insurance payment, but never removed the late marks. Then at a much later time My credit report gets dinged again for late payments in XXXX thru XXXX as 120 days late. after many phone calls to resolve this matter nothing has happened, other than my credit getting ruined, I can not buy a house for my family to live in and all of my creditors have severely reduced my credit lines and have tarnished my reputation as a person and as a businessman, who relies on excellent credit to operate my businesses.
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| 07/14/2022 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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I initiated an ACH Transfer for {$55000.00} on XX/XX/2022 to transfer funds from my XXXX checking account to Ally Bank savings account. These funds were successfully debited from my XXXX checking account on XX/XX/2022. Ally Bank then blocked the transfer, because I am told they could not verify the external account belonged to me, and the transfer failed and was never credited to my Ally account. Per calls with Ally Bank, there was an attempt to reverse the funds back to the external account on XX/XX/2022, but the reversal failed.
It took hours on the phone over multiple days with Ally Bank representatives saying it was an issue with my external bank before one of the representatives finally understood the issue and opened a Case on XX/XX/XXXX ( Case ID : XXXX ). I was told I would receive resolution within 1 to 2 business days. It is now XX/XX/XXXX and I have not heard back.
I already filed a CFPB complaint with the external bank ( XXXX ) and received a response back from them that there is nothing for them to do, as it is Ally 's responsibility to send the funds back to my external bank. Their complaint response is attached.
It has now been close to 1 month since Ally rejected the funds, and no further action has been taken by the bank to resolve this matter. It is unacceptable to hold an account holder 's funds in limbo like this for this period of time. I have spent a combined XXXX XXXX of my time on the phone with Ally Bank over the course of multiple days in the last month trying to explain my issue to Ally customer service representatives without resolution.
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| 05/02/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
Older American |
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On XX/XX/2023 I was in an auto accident with the vehicle and the police towed the vehicle because it was inoperable. I was told by my auto insurer that I needed the police report in order to file a claim. Unbeknownst to me this info was incorrect. I filed a claim with my auto insurer. However, the day before my insurance company was due to pick up the vehicle Ally Bank, the finance company, repossessed the vehicle because they said the vehicle had been in the impound lot for more than 10 days. My insurance adjuster and I have called and emailed Ally Bank numerous times with no avail. Unfortunately, I have been hospitalized twice since the accident. I also have not been able to pay my XXXX payment and now Ally states {$2900.00} which includes XXXX 's payment, late fees, impound fees, and repossession fees. I was told that I had until XX/XX/XXXX to make this payment. When I asked about how I could get my insurance adjuster to have access to the vehicle so that it could be adjusted I was given another phone number and told that I needed to call them in order to give my insurance company access. Below is a list of names, emails, and phone numbers I have gathered from Ally since XX/XX/XXXX.
Ally XXXX, XXXX XXXX XXXX and remarketing XXXX XXXX Ally Insurance claims XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX md XXXX, MD Phone : ( XXXX ) XXXX XXXX XXXX XXXX option XXXX XXXX department Total Loss request a release XXXX XXXX XXXX until XX/XX/XXXX Insurance dept XXXX XXXX Unfortunately none of these names numbers and emails have helped us with our issue.
Please help Thanks
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| 07/23/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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It's been a lot of difficulties in terms of depositing check with Ally bank.
I deposited a check from my account in XXXX XXXX worth {$230.00} on XXXX XX/XX/2022 well before XXXX EST.
This is what mentioned on Ally bank 's website for this check deposit : We have information that indicates the check may not be paid. If the check is not paid, we'll notify you by mail. If the check you deposited is paid, we will refund any fees for overdrafts or returned checks that result solely from additional delays imposed by us. To receive a refund of these type fees, please call XXXX. We're available 24 hours a day, 7 days a week.
Well Ally need to be very sure rather than speculate. Moreover I have been Ally bank customer for more than a decade then why can't ally notify me that something bad/negative is going to happen to my account? They have my email, phone # and everything.
When I called for the other check- {$2700.00} which is for me and my spouse. I was told deposit it again in our joint account. I tried that but it was not allowed. I need to call 3rd time but there was no certainty in terms of what will happen to the previous check deposit-it will be accepted or not? It seems God is running this bank and everybody in Ally bank is totally clueless in terms of what is going on? There is no seriousness in terms of Ally bank 's working. Customers are misguided.
During last 4 days, I need to call Ally bank several times... hold times of more than 45 minutes and even after that substandard customer service. Right now I am on call with ally bank beyond midnight of my time.
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| 01/30/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Credit denial
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Web |
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NOTICE OF DISCRIMINATION AND Default and opportunity to cure YOU HAVE FAILED TO DO YOUR FIDUCIARY DUTY IN PROFORMING YOUR DUTY TO EXTEND CREDIT TO APPLICANT AFTER IN GOOD FAITH I EXTENDING CREDIT IN STEAD YOU XXXX XXXX HAS DISCRIMINATTED AGAINST ME SO NOW AM HOLDING PERSONALLY LIABLE FOR THEFT THE UNAUTHORIZED UES OF MY CREDIT CARD YOU RECEIVED ALL BENEFITS AND PROCEEDS FROM THAT TRANSACTION AND I THE CARD HOLDER RECEIVE NOTHING BUT DISCRIMINATION FEDERAL LAWS HAS BEEN BROKEN YET YOU FOUND NO IRREGULARITIES OR TREAMENT ON ANY PROHIBITED BASIS. ALLY DENIES IT VIOLATED ANY FEDERAL OR STATE LAWS STATE LAW VIOLATION O. C.G.A 16.9.33 STATE LAW VIOLATION O.C.G.A 10-1-439.2 Federal Law violation 15 u.s.c 1691a Federal Law violation 15 u.s.c 1602 ( f ) Federal Law violation 15 u.s.c 1602 ( p ) Federal Law violation 15 u.s.c 13 Federal Law violation 12 c.f.r 1002 Federal Law violation 12 c.f.r 202 Federal Law violation 12 c.f.r 202.5 ( 5 ) These are the laws you have broken there probably more that I havent found yet These are irregularities and prohibition violation you just wasnt called on it I am demanding to see your books, your ledger, your files, your audit trail, whatever you use. all the documents associated with these transactions. validate these transactions that it was legal And as now am holding you XXXX XXXX personally liable for theft and willful noncompliant criminal liability for willfully knowing and violation.
After extending my credit I am expecting adequate compensation Ignorance to the law is no reason to break it Notice is complete upon receipt Yours truly
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| 05/27/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
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Web |
Servicemember |
|
Initial error is mine. Neighbor A asked me to pass money to Neighbor B using XXXX service. The effort failed. Neighboe A asks to XXXX me {$1500.00}. XXXX XXXX publishes that they accept XXXX ( but that is not true ). I appove and recv {$1500.00} on XXXX and can not access it. I have a dormant Ally Bank account and send the money there. Problem is- we actually have two Ally accounts but one is forgotten entirely.
I am now in control of the {$1500.00}. I go to XXXX and send the money to Neighbor B, funded by the forgotten Ally account. The available balance is XXXX, but Neighbor B recvs the {$1500.00}. It looks like this task is behind me. It is not.
XXXX sent the {$1500.00} in violation the agreement between XXXX and me. Their incompetence and/or criminal negligence has no direct bearing here other than the fact that I now owe XXXX {$1500.00}.
At this exact moment, I do not recall how the {$1500.00} debit in my wife 's account was created. It is part of this. The situation is- we also have a {$1500.00} debit to Ally.
Somehow, the act of passing {$1500.00} from my right hand to my left hand cost me {$1500.00}.
Ally Bank refuses to look at two accounts concurrently. Ally Bank does not provide a mechanism to help resolve this matter. Instead, Ally Bank is sending threatening letters to my wife. Ally Bank treats us like criminals on the phone.
I know the whole " this call is recorded '' routine is just so much XXXX, but listen to the calls I made. I am begging Ally to assist and there is nothing in the cashier 's script that results in an actual thought process.
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| 02/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Hello, I leased a XX/XX/XXXX XXXX XXXX from Ally financial in XXXX XXXX, CA from the XXXX XXXX dealership. I want to file a formal complaint because when my lease term ended and I returned the car in XX/XX/XXXX at the XXXX XXXX dealership ( because I move in XX/XX/XXXX to XXXX, CA ) I was charged months later for wear and tear fees but not properly notified of these charges. Due to their lack of communication to me, the amount didnt get paid until I saw it on my credit report. Now my credit is being penalized for their mistake. Ive been asked every time I call Ally what my new address is and every time they tell me they are going to update it they do not. In fact, I called them today and they still had not changed my address and Ive had to reiterate it on every phone call. Because Ally did not update my address ( even though I gave it to them many times ) or my phone number ( gave them that too ) they sent the bill to my old address and it went to collections. This is not my fault, and I paid the amount even without seeing the bill because I finally knew about the charges. Sadly that was after seeing my credit score drop 150 points. In my case, I did what I was supposed to and I did all I could to be a responsible leasee. I returned the car on time, I gave my updated information countless times and I called in to check the status of my lease return ( they said everything looked good ). I paid my lease on time every month for the three year contract with out missing any payments and I certainly wouldnt let all that hard work go to waste for a {$220.00} wear and tear fee.
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| 12/28/2016 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
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Web |
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I set up a new bank account with Ally Bank on XX/XX/2016. On XX/XX/XXXX, they authorized my old bank account at XXXX to transfer all of my funds into my new account with Ally, and did so. On XX/XX/XXXX, I tried to log in and access my new account and was told that my account was locked, and that I should contact the fraud department.
After calling Ally 's fraud department, I was told that my account would remain locked until I provided them with three more pieces of identification, including a Utility Bill with my name and current address, the front and back of my driver 's license, and the front and back of my Social Security card. I was not given a specific reason for this request, but was instead informed that this was a routine part of the process of setting up a new account. At no point during the process of setting up the account or transferring my life savings into it was I informed that this information would be required.
I informed them that I do not currently have a copy of my Social Security card, and asked them what else they could do. They said that was necessary to set up my account, so I asked them to cancel it, at which point they asked me to just send the pictures of the utility bill and driver 's license, which I did later that day.
It has now been a week and I still have not heard anything from Ally Bank, and my account is still locked, preventing me from accessing any of my money. I have called them twice, today and yesterday, and still have received no further information on why my account was locked, or what I can do to remedy the situation.
|
| 02/22/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
|
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After speaking to three reps at Ally and getting different information each time, I got the early lease termination information and turned in the vehicle where I purchased it. Ally said I could turn it into an Ally affiliated dealership near me, but I ended up driving 130 each way to turn it in on XX/XX/2021. I got the odometer statement filled out by the dealership as requested. The dealer faxed it to Ally at two different numbers provided by Ally. Neither was correct. I emailed it twice. No luck. I finally got a supervisor to give me their email address and confirm they got it. They were supposed to get an inspection and let me know the results. I was told today XX/XX/XXXX, that it was done on XX/XX/XXXX. I asked the rep to email me a copy. She placed me on hold with the department to get that done. Then one hour and eights minutes on hold, it disconnected. Then I called back and the rep said the inspection was NOT done. I asked to speak to a supervisor, who confirmed nothing. She said they were too busy to assist and directly me to their useless email contact area that didnt work the last three times they directed me there. It has been almost two months, nine calls, 6 hours on the phone, and this is not done. Still open on my credit report. Still no final statement. Still no end in sight. How is this acceptable? How is it possible I get a different answer literally every single time I call? This XXXX has not been in my possession for two months. I cant protect it. I cant drive it. I am still paying insurance on it in case it gets stolen or damaged during the delay.
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| 05/02/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
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Web |
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On XX/XX/XXXX of XXXX I paid off my XXXX XXXX XXXX that was financed through Ally Bank. About 2 weeks later we received the title for the vehicle and was advised that we paid more than was was owed. The payment was made to Ally from an escrow account as part of the closing of our home. The payment was made over the phone to Ally bank and my account showed a XXXX balance. We were then advised the the title company had cut a check for more than the amount due and in 7-10 business days we would receive a check for the difference. The title for the vehicle was signed and dated by Ally Bank on XX/XX/XXXX. We called Ally at the end of XXXX to inquire about the check that was owed to us and they told us again that it would be in the mail and we should receive it in 7-10 business day. This same call took place again in XXXX and we never received the check. On XX/XX/XXXX we received a letter from Ally stating that we are past due and have an outstanding balance for almost {$3000.00}. When we called Ally they informed us that the payment for the vehicle was processed incorrectly and that an ACH deposit could not be made from a business account. They didnt process the check ( 90 day check ) until XX/XX/XXXX, three months after releasing the title and showing our account paid in full. Now they want us to pay all the fines and fees for the last four months and they either hang up or never respond to any calls are questions we submit. Our title company is reissuing they original check but Ally wants us to pay for the last few months that this has been outstanding. We need help!!!
|
| 07/03/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
XX/XX/XXXX XXXX XXXX XXXX XXXX : XXXX for XXXX. I made a down payment of XXXX on XX/XX/XXXX. The total cost included a {$790.00} Gap insurance policy through Ally. On XX/XX/XXXX, I mailed {$4500.00} ( money orders ) off to Ally so I wouldn't have to worry about it while I was finishing my certification. Unfortunately the car was totalled the same night. I called ally and let them know that the vehicle was totalled and not to apply the money I sent, she informed me that it hadn't been received yet. The money was received on XX/XX/XXXX, I called again to make sure everything was str8 but saw that they had applied the money and put it as paid up until XX/XX/XXXX! I called and the woman said that they would get it str8 once vehicles was totalled out. XX/XX/XXXX I went to XXXX and purchased another vehicle, the payments were about 100 higher but I didn't worry as much since Ally still had {$4500.00} of my money. XXXX totalled truck out and paid Ally {$23000.00} which they received on XX/XX/XXXX. We talked back n forth with me wanting payments applied to my truck. However in XXXX they were trying to repossess. I have paid a total of {$14000.00} to Ally ( not including the {$4500.00} or XXXX down payment ). I am behind now and they are talking about repossessing, however I am actually ahead. I was taking care of the situation last year but I was told that they were working on my account so I let it be. I have my money order receipts, account copy ( before it was deleted ), confirmation of sale with Gap Policy through ally, confirmation of mail received, and payment history.
|
| 01/17/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
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Web |
|
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On Friday the XXXX, I called Ally Financial to get a payoff quote for our van, which was around {$5700.00}. I told them the check would be in the mail the next day & it was sent out by certified mail on Saturday the XXXX so that I could track it and it would have to be signed for. On Monday the XXXX, Ally Financial issued a repo order. My payment was received on Wednesday the XXXX and entered into their system the same day, which I have confirmation of. The van was repossessed on Friday the XXXX without notice from either Ally Financial or the repo company called XXXX XXXX. I only learned about the repo because I woke up Friday morning to find the van missing and I called the police to report it stolen. Multiple employees at Ally Financial claimed the payment I made never existed despite tracking number confirmation of it's receipt and the tracking on the slip that had to be signed upon it's receipt. Ally Financial had my wife wire them {$5000.00} from XXXX XXXX on Friday the XXXX & another {$1100.00} on Saturday the XXXX, and when I called on Saturday to confirm they had received the second payment I was told they had begun processing the check they had been claiming they had never received. I was also told they started processing the check after receiving the {$5000.00} payment, but the person I was talking to said it made no sense since it was started after everyone was supposed to have left. In other words, someone or a group of people was trying to turn a less than {$6000.00} payoff into one around {$12000.00} while claiming the original payment was never made.
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| 12/18/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
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Web |
|
|
XX/XX/XXXX - I got into a wreck with XXXX XXXX XXXX. XX/XX/XXXX - I received a letter from Ally stating they needed 3 items ( police report, insurance info, and ally buyers order ) in order to process my gap claim. XX/XX/XXXX - I faxed all 3 items Ally requested in the XX/XX/XXXX letter. XX/XX/XXXX - I received letter from XXXX XXXX XXXX , XXXX ( XXXX ) denying claim submission stating they did not get the information from Ally within 90 days. Early XXXX I called XXXX and they said they denied by claim because they did not get info from Ally. I called Ally and they said they had received my 5 page information sent on XX/XX/XXXX but did not send info to XXXX because I did not file a claim. According to the XX/XX/XXXX letter it does not state I need to file a claim after I send those requested 3 documents. XX/XX/XXXX - I sent a letter to XXXX requesting an appeal for insufficient information that I received from Ally Financial. I did not know I was supposed to file a claim since the XX/XX/XXXX letter did not state I needed to take additional actions. XX/XX/XXXX - I called XXXX XXXX XXXX , XXXX at XXXX and they confirmed they received my letter but had not reviewed it yet. XX/XX/XXXX - I received another letter requesting I make a payment. In XXXX - XXXX from Ally called via phone and wanted me to settle the account with me. I told him the responsibility was on Ally to pay and he said he would check on it. XX/XX/XXXX - Received letter from XXXX XXXX XXXX, a debt collector, to pay {$9200.00}. I have attached all documents and notes referenced above to this claim. XXXX
|
| 02/08/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
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on XX/XX/2017 I called Ally financial to find out why my payments where being returned. I spoke to an agent there, a lady named XXXX. we discovered that I had XXXX bank accounts linked and I had been selecting the payment to come out of the wrong account ( a closed account that I no longer use ). anyhow XXXX and I spend and hour on the phone scheduling future payments to come out of the correct account. XXXX payment scheduled for XX/XX/2017 and the other for XX/XX/2017. these payments would have brought me current. I received an email from Ally that they again tried to take the payments from the wrong bank account. all my loan information on my online ally account had been deleted and now they are charging me XXXX dollars a day for late interest and XXXX day late information to the credit bureaus. I called to remedy this and explain to them that ally made some kind of technical mistake. I explained that me and XXXX made absolutely sure that the payments where scheduled under the correct checking account and that it was not my fault that they had not received a payment. Ally continually made efforts to try and make me believe that I was at fault and they would continue to charge the late fee and report the negative information to the credit bureaus. even though I have been proactive about making things right and keeping in contact. all I want to do is pay my bills without being punished for a mistake that the lender made. I have attached the email from ally saying the payment was returned and my XX/XX/XXXX bank account statement to prove that the funds were available
|
| 12/06/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
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Approximately 18 months ago, my wife and I returned a vehicle to Ally Financial ( " Ally '' ) at the end of the lease term. The vehicle, a XXXX XXXX XXXX, was found to have a few minor dings, for which Ally charged us roughly {$1100.00} for the alleged cost of the repair. I contacted Ally and protested what I believed ( and still believe ) to be an extreme overcharge for such minor damage. After much back and forth, Ally agreed to reduce the amount owed to roughly {$700.00}, which I paid in XXXX XXXX. I subsequently received a letter from Ally stating that my account had a XXXX balance and that my " account with Ally has been settled and you are released from any and all obligations. '' Although it was never explained to me that me negotiating down the balance due on my account was a " settlement '' for purposes of credit reporting, Ally is now reporting this lease to the credit reporting agencies as having been settled for less than the full amount due. In hindsight, this was a clear strategy employed by Ally to deceive me with the intent of ultimately forcing me to pay the original account balance in order for them to stop reporting the lease as having been settled. It was ( and is ) clear to me that my negotiation with Ally reduced the balance due, which I paid in full ( and have a letter from them substantiating the XXXX balance ). Using these sorts of tactics, Ally could in theory charge a customer any amount they wanted to for any sort of fee and report a " settlement '' to the credit reporting agencies for anything paid that was less than the amount demanded.
|
| 04/14/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
Older American |
|
Vehicle was turned in, on time, at lease end onXX/XX/XXXX. Vehicle passed inspection with flying colors, but excess mileage charge was never returned to me. Amount due to me is {$5400.00}! Called Ally Financial on three ( 3 ) different occasions to question why funds have not been returned, and on all three occasions I have been talking with foreigners who can not speak good, understandable English. It's not surprising that a caller is not asked to " Press one for English '', because apparently there is no one left at this business who speaks English clearly since XXXX XXXX sold the business. Both my wife and I have called and requested an English-speaking person without any success. We have collectively talked with seven ( 7 ) different individuals over the three ( 3 ) calls and still do not understand why our funds have not been returned to us. It is now over 4 and 1/2 months since we turned the vehicle into the dealership where we bought our new car! Ally Financial is using our funds to make interest at our expense and we demand immediate return of our funds, and they should include interest! My Ally account # is XXXX. We even had the dealership ( XXXX XXXX XXXX of XXXX Michigan ) contact Ally, and they had no success in getting our funds returned either. We received a letter from Ally Financial datedXX/XX/XXXX indicating that our refund of {$5400.00} would be mailed under separate cover, but that was 53 days ago, and even the USPS service is not that slow! We have been told by our dealership personnel that the refund usually follows the letter within 7 days!
|
| 02/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Ally Financial is not following consumer law. below is the definition of Rescission as well as They have no legal right under consumer law considering they don't have first hand knowledge of any contracts.
rescission of contract To abrogate, annul, avoid, or cancel a contract ; particularly, nullifying a contract by the act of either party. The right of rescission is the right to cancel ( rescind ) a contract upon the occurrence of certain kinds of default by the other contracting party. To declare a contract void in its inception and to put an end to it as though it never were. Russell v. Stephens, 191 Wash. 314, 71 P.2d 30, 31.
A " rescission '' amounts to the unmaking of a contract, or an undoing of it from the beginning, and not merely a termination, and it may be effected by mutual agreement of parties, or by one of the parties declaring rescission of contract without consent of other if a legally sufficient ground therefor exists, or by applying to courts for a decree of rescission. Abdallah , Inc. v. Martin, 242 Minn. 416, 65 N.W.2d 641, 644.
It necessarily involves a repudiation of the contract and a refusal of the moving party to be further bound by it.
An action of an equitable nature in which a party seeks to be relieved of his obligations under a contract on the grounds of mutual mistake, fraud, impossibility, etc. It does not require permission from either party.
Ally Financial was not present for any contract signing and thus do not have first hand knowledge of this contract, making them unable to validate the authenticity of any signatures
|
| 02/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have tried solving this issue with Ally Financial and the three major credit reporting agencies before. XXXX has already deleted the account for violation of federal laws but XXXX and XXXX continue reporting. I am attaching the updated and new information, also : Ally financial was deleted from XXXX because in fact, they are violating federal law, by reporting negative information and treating payment as late when they cant pursuant to 15 USC 1666b. I WAS NEVER LATE. You can see the inconsistencies between the updated reports from XXXX and XXXX.
How can both credit reporting agencies have verified and validated the information when THERE ARE SO MANY DIFFERENCES. how can a so-called late payment be late 60 days without being 30 days first, how come the same creditor provide so different information across XXXX and XXXX, yet XXXX has deleted it. They all might have different investigation processes, however, the information sent to them HAS TO BE THE SAME, OR AM I CRAZY?
THIS NEEDS TO BE DELETED IMMEDIATELY FROM MY REPORTS. THIS IS DEFAMATION OF MY CHARACTER!
I have requested plenty of times before for Ally financial to send me the history of payments, the ledger, EVERYTHING used to " validate '' this account, and the " accuracy '' of said payments AND I AM STILL WAITING FOR IT!!!!!!!! Everyone has wiped their XXXX XXXX with my demands, everyone is still violating the XXXX federal laws, and here I am the federally protected consumer hurting and being affected not only financially but emotionally and NO ONE DOES THE RIGHT THING, NOR WHAT IS REQUIRED BY THE LAW
|
| 07/03/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
Ive paid the loan on time except in XX/XX/XXXX. The company showed my account as repossessed and every time I would contact the company about my account status no one could tell me how to fix it. I had my car and it was not repossessed. They reported my account as repossessed for two months when in fact my account was not repossessed. On several occasions the customer service rep would keep me on the phone for over an hour reading notes and then would constantly transfer me to another person who would brush me off and tell me they would fix it and call back in 30 days. This was done several times. All calls are recorded but no one seems to know why my account shows a delinquent status.
In XX/XX/XXXX I paid ahead for my payment due in XXXX ... in XX/XX/XXXX Ally financial reported my account as delinquent for XX/XX/XXXX. I paid early and my payment was not due until XXXX back in XXXX. This company does not report to credit bureaus properly. I requested they change the status of my account and they gave me a confirmation number and still no one has done anything to fix my account status which is affecting my life and credit score. I am unable to apply for a mortgage because this is affecting my FICO score.
I feel that I have exhausted all attempts to correct my account with this unprofessional company with no success. My last attempt was on XX/XX/XXXX, I stayed on hold for 45 mins before someone came on the line and disconnected the call. Ally Financial is extremely unprofessional and negligent when it comes to my personal credit file. Please make them fix this.
|
| 06/22/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
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Web |
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|
My car was turned in XX/XX/XXXX before the lease was up and our local dealership paid off the remaining lease. As I knew, everything was handled and the car was under mileage and in great shape. XX/XX/XXXX, I started getting phone calls from ally saying I owed fees. I asked the gentlemen why havent I received a statement via mail or email but just a phone call. We verified my email and address and said I would not be paying any fees until I received the summary of charges in the mai. My address has not changed so still unclear why I got a phone call. The guy was harsh and I asked to not be contacted until the bill was mailed and once received then I would contact them. The calls began daily even on Saturday. All hours and it interrupted my job as well. A month later still no statement or email so I did answer and asked again for the next 4 months to mail or email me a statement and its the end of XXXX and still receiving harrassing calls now even from their attorney supposedly. I have still not received a statement of the charges via mail or email. Again my addresss havent changed. These calls have caused additional stress along with affecting my credit. How can you or anyone pay a bill based on a phone call? No statement or anything. The calls have been several times a day 6 days a week now for 5 months when all I asked was to mail a statement. This is harassment and at this time I will not pay for claims I have yet to receive and for the addtonal stress and time they have taken from me, a price cant do justice. I want this dropped before I start filing a case!
|
| 02/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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I went into XXXX XXXX in XXXX. XXXX, MN to try and open a savings account and I was told that I was denied on XX/XX/XXXX. I then went and had my credit report ran by a XXXX. XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX and they informed me that on my credit report I had a fraudulent charge on there in the amount of {$2300.00} from XXXX XXXX XXXX on XX/XX/XXXX. I then proceeded to obtain my own credit report from XXXX, XXXX, and XXXX on XX/XX/XXXX. I did not see those fraudulent charges on XXXX or XXXX, but I was able to locate it on XXXX. On my XXXX report, they had said that it was from Ally Financial, for the same amount, but different date being XX/XX/XXXX. I called XXXX and attempted to dispute this charge but they had said that they were unable to process the dispute, as they apparently do not deal with checking or savings account fraudulent charges. I also called XXXX XXXX XXXX, and they informed me that they did not have my information anywhere within their system but would forward the information onto higher ups for them to look into it further. Once I was notified of Ally Financial, I contacted them and spoke with a girl named XXXX, and she said that she would forward my information onto higher ups as well and I should hear something within 30 days. This was all completed after I obtained my credit reports on XX/XX/XXXX. For the record, I personally have never gone into or been associated with Ally Financial or XXXX XXXX. Also, upon looking at my XXXX report, I noticed that they had an alias that was associated with my name. I have never had an alias.
|
| 02/11/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am the Consumer pursuant to 15 U.S.C. 1692a ( 3 ) and Creditor pursuant to 15 U.S.C. 1692a ( 4 ). I went to XXXX XXXX XXXX on XX/XX/XXXX to conduct a consumer credit transaction for the purchase a vehicle. I filled out a credit application and extended my credit but an employee of XXXX XXXX XXXX named XXXX XXXX XXXX financing through Ally Financial in the amount of {$30000.00} under the guise that it was necessary. I am in possession of a " Retail Installment Sale Contract '' This form is misleading and deceptive. It gives my security interest to the vehicle to Ally Financial. My private information has been breached. I have sent a debt validation letter and cease and desist letter to Ally Financial and it was received on XX/XX/XXXX. The USPS tracking # is XXXX XXXX XXXX XXXX XXXX. Ally Financial is committing mail fraud petitioning me for an alleged debt. I sent Ally my instructions and a rescission letter pursuant to 15 U.S.C. 1635 that was received on XX/XX/XXXX, the USPS tracking number is XXXX XXXX XXXX XXXX XXXX. I am sick and tired of the harassment and blatant disregard for my Consumer rights. I recently received a threatening letter from Ally Financial attempting to collect a debt which is another violation. They never responded to my debt validation letter. They are also reporting inaccurate information to the Credit Bureaus which is ruining my reputation and it violates the Fair Credit Reporting Act. Ally Financial nor XXXX XXXX XXXX has responded to my affidavit that I signed under penalty of perjury. I am aware that a straw purchase has occurred.
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| 10/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Damage caused or loss of personal items in vehicle during the actual repossession
|
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Web |
|
|
To ALLY FINANCIAL.
It is unbelievable the XXXX I have gone through these past few months thanks to this financial company 's horrible business etiquette. To give a brief synopsis I have lost many sources of income, got behind on all of my bills, damaged my credit, lost my home, lost my job, lost my cell phone. I've been homeless and on the streets.
Being on the streets I've been harassed and feared for my safety and have been slowly stripped and robbed of all my belongings from kitchen appliances to living room to my socks and all in between. Just 9 days ago I lost the last bit of clothing/shoes I own and my father 's ashes.
All thanks to ALLY declining to FIX MY CAR THAT THEY BROKE TO BEGIN WITH, my life HAS BEEN DESTROYED. Their GREED FOR A FEW XXXX THANKS TO DAMAGES I DID NOT CAUSE WAS WORTH SACRIFICING MY LIFE MY WELL BEING AND MY FATHERS ASHES!!!!!!
To clarify, I paid to redeem my car after it was repossessed and the transmission was broken and ALLY haS the audacity to charge me monthly when my car was broken because of ALLYS negligence in towing my vehicle and after ALLY ADMITS IT WAS BROKEN IN THEIR POSSESSION, ALLY turns around without any thorough inspection and say " it probably broken because of the way I drive which is just total assumption and no way justice for doing a XXXX in making a final decision. I have video evidence for XX/XX/XXXX showing my car driving perfectly fine which is the night before it was repoed. Additionally I have a diagnosis from a mechanic assessing my vehicle and an email directly FROM ALLY FINANCIAL ADMITTING FAULT.
|
| 03/21/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Funds not received from closed account
|
|
Web |
Older American |
|
Complaint against Ally Bank XXXX around XX/XX/2023 I worked at setting up several accounts at Ally Bank via their website. ( There ended up being XXXX. ) They wanted additional documentation, which I sent in. The accounts were set up by Wednesday, XX/XX/XXXX. I transferred a total of {$15.00}, XXXX into these accounts from my local checking account.
When I got up Thursday morning, XX/XX/XXXX, I found in my in-box 5 e-mails from Ally saying the accounts were closed. I tried calling the XXXX phone number to see what this was aboutI believed Id been hacked. Unhelpful person said Id have to call their Account Division after XXXX XXXX. I did so, even though it meant being late for work.
Person there said Ally had decided to close the accounts. I said Wheres my money? as it had not been transferred back to my local checking account. The person was again most unhelpful, and when I asked about speaking to her supervisor, she basically told me I could leave a voice-mail, but dont hold my breath waiting for someone to get back to me. Ive called them a total of 3 times, plus leaving the voice-mail. They have been nasty and not helpful.
As of this writing on XX/XX/XXXX, Ally still has not returned my money to me. I believe at this point that they have stolen my money. They need to send it back to my local account immediately. I also believe for the major inconvenience and aggravation they have caused me, they should be heavily fined. This is not how a customer should be treated. I want my money back. I want nothing further to do with them. I just want my money back.
|
| 11/09/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
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Web |
|
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I have sent this company 4 letters asking for, copy of contract, the accounting log any addendum of contract, sales documents. Every time I get no response. I think the total purchase price was XXXX with a 7 or 9,000 trade. The loan had fallen behind and called company and got payments caught up but I was supposed to have a lower revised monthly payment as I was a victim of XXXX and at times had to hide and I feared for my life. I called finance company to explain and send proof of my fleeing for safety, they refused to work with me, refused to send me anything on new arrangements and said there were non. I explained I was going thru divorce, that I am XXXX on XXXX and this is a fixed monthly income. I also asked to show me how I could owe more for a car than the sales price especially when I had a trade in of 7 to 9000. I was informed they would not adjust, or send me anything until payments were current I again explained I was a victim on a fixed income and my spouse wasnt paying support and stoped paying on home that my spouse left two days after my mom passed stopping direct deposit leaving me a home in bad shape a XXXX parent to an infant and knew I was to pay to bury my mother. This company then just ignore me and refuse to respond to my request to validate money owed. This is now creating a major heartache that I am looking to buy a home and this truck constantly breaks down and no money to fix it and cant purchase another car without a huge deposit. I need to get to my doctors and take my 6 year old for her doctors but this company will not respond.
|
| 12/13/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
Servicemember |
|
I have two complaints I want to file against Ally Bank. For the past 2 months I have had problems logging onto the Ally Bank website to manage my checking account. Each time I log onto the account I am forced to enter a security code that they send to me by my email account. Sometimes the code does not arrive at my email account and I can't log onto the account. I have filed numerous complaints about this with Ally Bank and they refuse to fix the problem. I would like to say I have had the same computer for 3 years and do not travel. There is no problem with my computer. I use this same computer to log onto other financial institutions with no problems. I have complained to Ally Bank numerous times about this problem. This bank refuses to fix the problem. I want to find a second complaint against them. Recently, Ally Bank contacted me saying they will no longer send me the security code to my email account. They now want to text or call me to send this code to my telephone. I want to file a complaint against this as well. I do not want to use my telephone as a means of logging into my checking account. This is an invasion of my privacy. I should not have to have or use a telephone to maintain a bank account. My telephone is paid for by my employer and they must pay for all the incoming calls. My telephone does not support text messages. I have filed complaints with Ally Bank about this new policy they have and they refuse to exempt me from this new rule they have. I want something done against this bank. I have been treated very unfairly. Sincerely, XXXX XXXX
|
| 06/25/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
I signed up for a promotional balance with Ally bank where they give you a % XXXX bonus upon putting money into the account and then keeping it there for a certain time period. So, I deposited my money, confirmed with their chat that I was enrolled in the plan, and then left my money there. But I never received the {$500.00} bonus.
I contacted Ally many times. After communicating with them couple of time by message, they can't find any way to deny my bonus ( as I did transferred the money into my account and then opened a XXXX of {$50000.00} ). Then their agent told me that " Upon review of your profile, I can see that you were not enrolled in the Cash Bonus Promo. Therefore, you do not qualify for the 1 % payout ''. I asked them that " Are you sure that is the reason - you were not enrolled in the Cash Bonus Promo.? " Their agent responded that " After an extensive review of your profile, I can confirm with XXXX XXXX XXXX certainty that you were not enrolled in our cash bonus promotion. '' Ironically, I still have the confirmation email received on XX/XX/XXXX which is tiltled " Good news : You're enrolled in the cash bonus. '' ( attached ). After I sent the proof to Ally, their agent has nothing else to say but to tell me that he/she will submit a request with a reference number of XXXX. Several months went by, they told me the same thing when I asked the status - NO UPDATES as of XX/XX/XXXX.
What a joke! If you can't afford the bonus, just don't do it. As customers did fulfil the requirements, we are deserved the bonus. Would you, Ally, only {$500.00}?
|
| 11/24/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I purchased the vehicle on XX/XX/2019. The Dealership, The Salesman or The Service Department didnt disclose or put in writing that the crankshaft sensor was defected and faulty and needed repairs. XXXX XXXX XXXX didnt consider my Safety First. On XX/XX/2019 at XXXX miles the vehicle wont crank. It was cold and raining. I didnt drive the vehicle for a week. On XX/XX/2019 I drove the vehicle to church and when I got out of church the vehicle wont crank. I called the Dealership on XX/XX/2019 to inform them that the vehicle wont crank. The Dealership told me to bring it in. You brought the vehicle in on XX/XX/2019 around XXXX XXXX. I asked the Service Department what is the problem because my vehicle wont crank. The Service Department informed me that it was the crankshaft sensor. I asked the Salesman why didnt he disclose or put in writing that the crankshaft sensor was defected and faulty and needed to be repairs before I signed the contract. You sold me a vehicle without disclosing that information. And put my Safety at Risk because the vehicle wont crank and I was stranded. He said that he knew that the crankshaft sensor was defected and faulty and needed repairs. He said that he should have gave us a loaner car. But he never told us about it. I had to found out myself. I called Ally Financial on XXXX at XXXX to inform them about the crankshaft sensor issues and the loan. The representative ( XXXX ) told me that the Dealership has 3 options to give you. 1 ) Canceled the contract because of defect. 2 ) Substitution of Collaleral 3 ) Request for New Contract.
|
| 06/18/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I totaled my car last XXXX. Ally told me that I would be covered by gap insurance. My insurance company paid the bill and I should have been good. Fast forward 3 months my credit score decreased from XXXX, due to Ally Auto continuously destroying my credit by 36 pts at a time. Ive been trying to fix this issue since XXXX, I can login, no one at Ally can/will help me. According to them i do not exist in their systems and each time I call Im either transferred to different departments for HOURS ( I have several witness to this ), or hung up, or told they can not transfer me until I give them all this valuable information. I am refused a manager each time. Only once I was able to get ahold of a supervisor after going through Ally Bank ( different building ), the man refused to be referred to by anything other than M3. He claimed an investigation would be completed to have this checked out and I would need to wait 60 days for an answer. I never received an answer, an email, a call nothing. And each time I attempted to call I was told that person did not exist. I just want to pay my bill. The only reason I know it exists is via credit karma. I am not able to dispute any of these scores ( Ive tried ). Recently several days ago, Ally demanded my number over messenger and then sent me an email off a personal address trying to give me money. They refuses to allow this to go farther. Yesterday I filed a complaint to the XXXX and today I received a call- but an incomplete number was left ( last 4 digits are static ). I do plan to take this to court if this continues.
|
| 10/12/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
|
|
Web |
|
|
I had to have a freeze put on all 3 of my credit reports due to companies like this. Companies like Plus Finance do this because the CFPB and other agencies don't ever hold companies accountable.
In XX/XX/2023 i had a letter sent to Plus Finance informing them of my Fianancial Hardship. I gave them a settlement amount i make in 3 payments yet it's no 30 days later and Plus Finance didn't bother to respond. I included the letter i had faxed. I was also a victim of Identity Theft that have caused me so much damage to my credit and UnNecessary stress that i don't need due to already having Health Issues and my XXXX XXXX. Plus Finance continue to report my account as XXXX XXXX to the 3 credit bureaus who i intend to file a complaint against for allowing companies to report anything on people 's credit. The 3 credit bureaus should be held accountable for allowing companies to report anything including false information then all 3 credit bureaus put you thru XXXX to put a credit freeze on your credit which is suppose to be free for customers and they make it hard to report Identity Them.
Plus Finance also lied a year ago that the hard inquiry on all 3 of my credit reports yet i then was told i had to contact XXXX XXXX since i applied there. Plus Finance knows they have no warning of a hard inquiry when you apply thru XXXX XXXX who have been sued for their business antics. They also closed the accout without warning even though i was making payments. To not work with a customer that is experiencing a Financial Hardship yet still trying to do the right thing.
|
| 07/20/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
I, XXXX XXXX and natural person, was denied credit by Ally Financial when I applied for auto financing, who is in possession/control of a legal person ( XXXX XXXX XXXX, so I am co-signing/the co-signer for the legal person when Im entering into any consumer credit transaction/consumer transaction..
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. Also they willingly and knowingly provided false and misleading information to me to make that decision 15 U.S.C 1611 denying me extension of my OWN credit. This is a when its a consumer credit transaction and thats breaking the law 15 U.S.C 1605 and 15 U.S.C 1611.
You are subject to criminal liability for violating 15 U.S.C 1691 and 15 U.S.C 1611 as I have proof that I was discriminated against by Ally Financial due to the response I received.
Ally Financial is in violation of 15 U.S.C1642, U.S.C 1681m and 12 CFR 1002 because I, the consumer, made a application in good faith, but credit was not issued.
Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Ally Financial 15 U.S.C 1602p.
If Ally Financial fails to make any reasonable procedures to resolve this matter and compensate me the use of my credit card I will indeed make Ally Financial criminally and civilly liable for all actual damages pursuant to 15 U.S.C 1681n and 15 U.S.C 1681o.
|
| 04/11/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Fees charged for closing account
|
|
Web |
Older American |
|
I am writing to make a complaint against ally bank. In doing my taxes last week, I found out by looking at my XXXX forms thatAlly had closed all my CD accounts, including those for which the due date had not arrived, without my permission, and had penalized me. I early XX/XX/XXXX I had called in order to close XXXX accounts ; the XXXX which had matured on XX/XX/XXXX, and also the high yield savings account. WHile I do not remember the conversation, I know I did not ask to have all my accounts closed. I know this because it would have been a costly mistake. I had on account due to mature on XX/XX/XXXX, so there is no way that I could have thought it was in my interest to close it early and incur a penalty. In addition, I was not short of money ; as a XXXX adult I have never had less than {$4000.00} in the checking or savings. In addition, the interest rates on all my accounts was over 2 %, so it is unlikely and uncharacteristic that I would have incurred a penalty to close any of them early. THe bank says they have recordings of all my conversations. I spoke to a bank representative, I believe on XX/XX/XXXX who said she would listen to them and call me back, but no one has done so. Please listen to the recording ( XXXX ), and determine for yourself whether I asked for all my accounty to be closed. If not have the bank refund me {$1100.00}, {$300.00}, and {$210.00}. Please ascertain whether the bank representative was asking me irrelevant or inappropriate questions that might have contributed to their misunderstanding and take such questioning into account.
|
| 11/28/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
I leased a XX/XX/2013 XXXX through Ally. At the end of the lease we returned this vehicle in excellent shape ... over XXXX miles below what the contract allowed for. I inspected the windshild myself and it showed where a pebble slightly grazed off the windshield but it did not have a GLASS - XXXX '' issue as Ally 's XXXX party inspector stated. It took the inspector several weeks to go and inspect the car and the condition of the windshield may have changed by the time ( sitting in direct sun or other incidents not under my control XXXX the inspection took place. This is not my fault ... the windshield was ok ( no XXXX '' crack as Ally is stating XXXX when the vehicle was returned. Even the experienced salesman ( XXXX ) that took in the vehicle at the dealership made no note on this. He said they may " ding '' me on the tires if anything. I 'm willing to settle for {$250.00}. Ally wants to charge me {$500.00} which is completely unfair considering the vehicle was returned in excellent shape and XXXX miles under the contract allowable mileage. I have called and spoke to them at least 8 times including a supervisor who was completely unwilling to compromise. Now I 've gotten a letter from Ally with " Notice of intent to report negative credit informaiton ''. I work hard to maintain my excellent credit rating and made all my payment to Ally months before they were due ... I always paid ahead! You would think they would try and work with me for future potential customer business.
XXXX XXXX, XXXX, TX XXXX XXXX Ally account # XXXX XX/XX/2013 XXXX ATS VIN XXXX
|
| 02/03/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I have received multiple calls from the company to collect the ammount I owe. I currently lost my vehicle during hurricane XXXX due to a XXXX and the vehicle was declared Totaled by a local shop. My vehicle XXXX XXXX XXXX is trying to pay XXXX towards the debt in order to finalized my total loss claim. My Insurer needs the Lien holder Paperwork in order to pay them directly the amount that they are paying me for the totaled vehicle but it has been over 3 weeks already since they have been waiting for that paperwork. Whenever I have spoken to ally over the phone i've told multiple representatives the situation and have told them to transfer me to the total loss department, whenever they do that I am sent to a dead line. Its very frustrating because I am not avoiding them nor trying to skip paying this loan off to get it off my credit.
Whenever they call back they repeat the same scripted conversation regarding me owing them the monthly payments and they don't keep any records of the conversations and my requests. I have also tried the secured messaging via their app and yet they just answer with a scripted message saying that due to the nature of my request I need to contact them to their XXXX number, this is the same number that I have attempted multiple times to finalize my Insurers claim. This situation has me depressed at this point since there's no local office for them and I am sure that they will instruct me to send mail to their hq or say that they can not help me. I am already unhappy from losing my method of transportation and my local vehicle.
|
| 07/11/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I will mail a complaint to the Utah Department XXXX XXXX XXXX today. I have already submitted a complaint via https : //forms.federalreserveconsumerhelp.gov/.
On XX/XX/2022, I made a wire transfer of {$29000.00} to what turned out to be a fraudulent XXXX XXXX XXXX account that was intended to go to a title company as a down payment for a home purchase.
I quickly requested the funds be recalled, and with the help of an FBI agent, have been calling Ally Bank Customer Service and XXXX XXXX departments to get a status update. Every time I call, the reps can only tell me that the case is ongoing.
Ally Bank has provided inadequate service on this case. I can not get clear responses from the representatives with whom I speak. I have never spoken with the case XXXX directly. No one from Ally has reached out to me for more information or to provide a status update. On XX/XX/2022 I spoke with XXXX at the XXXX XXXX department. He was very uncooperative, did not provide me with useful information, would not provide me with his last name, and could not give me any dates of when this was expected to be resolved. When I requested that he find more information, he said that was all of the information he had. When I asked if I could speak with a supervisor, he said he was only able to transfer me to the voicemail of a supervisor, not a direct connection.
To resolve the problem, I would appreciate a direct call from the case XXXX XXXX, or someone who is directly working on the case, to provide me with specific dates and times so I know when this case can be resolved.
|
| 05/27/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
This vehicle was initially supposed to be financed with my now ex-husband. I never signed the contract. I asked that the contract not be submitted. The dealership tore the contract up in front of me. I later found out that the dealership had already submitted the contract with my forged signature to Ally despite me asking that it not be submitted. I spoke with Ally and informed them this loan was fraudulent on several occasions. They suggested that I have the vehicle refinanced to remove my name from the account. The issue is that my ex-husband is in possession of the vehicle, and will not refinance it.
Once the divorce was finalized I received court documentation that I am no longer responsible for this vehicle. All payments and collection activity should be removed from my credit report per this judgment. I spoke with Ally and asked them to remove the account. I told them I had the court documentation and was able to provide them with said information. They again requested I refinance despite me again stating this loan was fraudulent on their recorded lines.
I have since disputed this loan with the credit bureaus, but they returned saying divorce was not enough of a reason to force Ally to remove this account. Again this account is FRAUD. That should have been sufficient enough to have my name removed from this account. I never actually signed the contract that was submitted. My signature was forged which I also explained to them. I have tried on multiple occasions to work with Ally in regard to this account, but they have refused to work with me.
|
| 06/15/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
I initiated wire transfer of {$250000.00} from my Ally Bank savings account to my XXXX XXXX savings account for a home purchase deposit at XXXX PST on XX/XX/2022. Later that morning, I received an email saying my Ally online account has been suspended and my account has been flagged for a fraud investigation. Per the instructions in the email, I called Ally 's fraud investigation department and was treated like a criminal undergoing an interrogation. The Ally representative needed me to upload a bank statement from my previous bank, which I complied to.
I did not hear anything until the next day, where I received another email from Ally asking to call them to provide more information, and to call the same fraud investigation department phone number. When I called Ally, I was met by another rude representative on the other end, who continued to interrogate me with questions on why I'm making the wire transfer. I asked when the money would be transferred and when I can regain access to my account, to which the representative basically said they didn't know.
Today, I called them again to obtain a status update. Again, no updates were provided. When I asked again when they expect the investigation to be complete and when my account will be restored, the representative said it could take up to 30 business days, and to call back in 7-10 business days for another update.
Now my home purchase and closing is at major risk and it's likely I will lose out on it. Not only that, but I have no idea where my {$250000.00} is and when I will be able to recover it.
|
| 08/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
To Whom It May Concern, This letter is a follow-up to my original letter dated regarding an inaccuracy in your credit reporting. Specifically, as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act I have since XXXX of XXXX and XXXX sent a version of this exact letter to the companies that violated my Privacy and my credit report I do not have the exact dates but I'm sure you can look on my credit report and see where I disputed those inquiries I did not ask the company for any information only asked that they remove it from my credit report
|
| 08/06/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
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I had special financing following accounts with HCS ( hcsloans.com ). XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX The promotion was expired on XX/XX/XXXX. Since I set up the automatic payment system with HCS, I did not get paper statements. I was having problems with logging into my accounts on website. I had called several times to fix the problem and could not wait for too long so the calls were unsuccessful. Finally, on XXXX, I patiently waited to speak to one of the representatives and found out my promotion was expired on XX/XX/XXXX, and accrued interest was charged to my both accounts. I asked to speak to HCS supervisor, she said since it is within 30 days, I could pay off the amounts of {$510.00} and {$570.00} for both accounts if I made the payments that same day. So, I paid off both accounts on the same day, and she assured me that HCS would close the account with balance XXXX. Three weeks later, I received the statements from Ally Lending over {$1000.00} for each account. Apparently, Ally Lending has bought HCS and transferred all HCS accounts to collect the debts. They said they don't honor within 30 days pay off plan and promotions were ended on XX/XX/XXXX. They stated that HCS transferred accounts on XX/XX/XXXX. Since my original agreement was with HCS, they had accepted the payoff amounts and closed my account, Ally Lending has no right to reopen and try to collect the unreasonable charges. I tried speaking to several supervisors and was not successful. They are demanding that I arrange the payment to pay the accrued charges.
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| 09/28/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
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Web |
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Nearly 2 months ago ( XXXX XXXX ) I submitted a complaint against Ally Financial regarding my auto lease and nothing has been done. No one has contacted me regarding resolving the matter. In fact the opposite, I received another paper statement threatening that my account go to collections which would negatively affect my credit. In over 2 years I have not missed a payment and they now are saying I owe money that I do not and are assessing me late fees. At this point, this is harassment and I am seriously considering legal action against them. I would expect the CFPB to assist and to this point nothing.
The issue is that I got the vehicle in NY and per my lease agreement and confirmation from the dealership, taxes were included into the lease payment. Because I moved, Ally is now saying I have to pay taxes that were already paid on the vehicle. Their customer service is inept. I called and spoke to someone in a foreign country ( XXXX or the XXXX ) for over half and hour. That person was clueless. I gave specific instructions and information and no one ever followed up. I called back a week later for a status update and that person was even more clueless and said that no one had done anything that they were supposed to do ( based on my instructions or what they said they would do ). I submitted a complaint and nothing has happened ever since.
I will sue whomever I have to, to protect myself and my rights. I take this matter very seriously and expect the same level of importance be given to the matter that I am giving. I expect quick resolution.
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| 05/09/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
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Web |
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I am well aware that I fell behind on my car payments and do not need someone to tell me repeatedly about the damage it does to my credit, etc ... I am an educated person and do not appreciate condescension. I explained to my car loan company that, as a freelancer, I had the worst XXXX of my career and fell behind on all my bills for 2 months. I told them now that I was working steadily again that I would make a large payment, and I complied with that. Then I told them that I knew I was falling behind again and owed some more, but that I would need until mid-May before I could bring myself, at last, completely up to date. They said they would notate that in their system and thanked me for making the arrangement. However, they have continually called me since that agreement was made, usually up to 4 times per day. I have even answered a few times, asked why they continue calling me, and they simply say it 's the automated system and they have every right to continue calling me. But 4 times a day? I think not. I especially think not when they have said to me that they do have my agreement in their notes. What do they think? That by calling me repeatedly I will suddenly have money for them? It is absolute harassment and it must stop. They are the only place that has continually called me after having made an agreement with me. All other places accepted their respected agreements and stopped calling me. And, thus, their agreements were fulfilled and they did not need to call me again. But Ally Financial must be stopped from performing this harassment.
|
| 08/08/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
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|
Web |
Servicemember |
|
CASE : # XXXX XX/XX/2023 after we had fraud in our bank acount for over {$1600.00} and 2 payments bounced back separately. The bank had not notified us until we called the police looking for our car and then called Ally. After confirming with the bank what happened to the 2 payments, we sent, via XXXX, immediately the 2 payments the very next day. Once the police confirmed a contracting tow company had the vehicle a representative of Ally denied having the car picked up when talking to XXXX XXXX ( not sure of his department ). Spoke to XXXX, another Rep, and gave him the XXXX payment information who said we satisfied the payments returned and then he tried to release the car but XXXX XXXX said the paperwork from the tow company had not been uploaded.
We have been bounced around and helped to a degree but still are being asked by the redemption department to get customer service to send their department something saying we will deal the balance on the end of the loan. We have sent a message via the portal but no one is responding.
We have paid off over {$32000.00} in car payments for our car? In addition we have spent well over {$7000.00} in repairs. We will have the car paid off before the holiday season but we need to get to work. I have not been able to get to work due to the distance to get to work and a vehicle is a must.
The account is in the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Account # XXXX. We can be reached on XXXX. We thank you for your help, time, and attention to this matter.
Sincerely, XXXX XXXX
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| 01/06/2016 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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I banked with Ally Bank from XXXX until XXXX XXXX, XXXX the bank made the decision to close my checking account due to them allowing someone to transfer money from my account to another account. They reimbursed the funds to my account but now they are giving me the run around about my refund for the closing balance. I hhave been communicating with a XXXX XXXX who has told lies to me and her supervisor XXXX who has taken her word to be true my account was closed in early XXXX I was sent an email as notification and told on XXXX XXXX, XXXX the check for my remaining balance has been mailed I then ask to what address nd then informed it was mailed to my previous address to an address I had moved away from 6 months prior so the check was returned by the resident currently living at XXXX XXXX XXXX XXXX, XXXX but before that I informed XXXX that I was moving and when the check was returned if it could be sent to my new address XXXX XXXX XXXX at that point she required me to email her a copy of my lease which I reluctantly did since I was evicted from my previous address due to all the fraud which was allowed to my account she informed me that on XXXX XXXX the check was returned to the back after I had wait per her instructions not to call back until XXXX XXXX which I call back on XXXX XXXX I am bein given the run around and about to be evicted a second time I am a XXXX vet and do not have the income to be going thru this XXXX money all I want is to get my money and I am done if they continue I want have an address to send it to I will be on the street
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| 07/15/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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On XX/XX/XXXX I opened an Account with Ally bank to deposit a check I won from gambling website " XXXX XXXX '' for {$20000.00} dollars. I used their mobile deposit feature. The original check of {$20000.00} was processed by Ally Bank on XX/XX/XXXX, and it cleared on XX/XX/XXXX. The check accrued interest of {$2.00} cents meaning the funds had cleared and we valid. The check did not bounce nor was it recalled. The Fed also cleared the check and I have verified with the check issuer that the funds have been taken out of their account and not reversed. Ally Bank wrongfully closed out my account due to not being able to verify the check with XXXX, however XXXX bank has a company policy that does not allow them to verify checks. For this reason Ally closed my account due to fraud which was incorrect. Ally currently has my {$20000.00} dollars and are refusing to help me or reach out to me to send me back they money that has cleared and they owe me. I have been trying to get this resolved for over a month and have made no progress.
I have spoked to the check issuer " XXXX XXXX '' and Ally Bank on a XXXX way call to confirm the check was legitimate however this did not resolve the issue, as Ally refuses to accept the check is real when I have proof the check cleared the FED. Ally has not attempted to contact me a single time and continues to ignore me.
I have attached the FED lookup tool for checks bellow provided by XXXX XXXX to verify the legitimacy of the check clearing the Fed and that the money is owed to me and I will have to pay taxes on.
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| 08/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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On XX/XX/XXXX, I sent a formal 15-day request via US mail for a description of the procedures used to determine the accuracy and completeness of the information furnished to my credit report regarding account # XXXX with Ally Financial and/or Ally Bank, and a dismissed Chapter XXXX bankruptcy in XX/XX/XXXX, per FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and FCRA 611 ( a ) ( 7 ), wherein it states, a consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15-days after receiving a request from the consumer for that description.
As of today, XX/XX/XXXX ( 20-days later ), XXXX has failed to acknowledge my request, send appropriate notification, provide the information I am entitled to, and has continuously furnished inaccurate and incomplete information to my credit report in the matter of these 2-items ( mentioned above ).
1. ) Account # XXXX with Ally Financial and/or Ally Bank : I have personally engaged the US Bankruptcy Court for the Western District of Washington via telephone and US mail to confirm dates-of-birth and social security numbers of parties named in any case are not shared with third parties.
2. ) Dismissed Chapter XXXX Bankruptcy/ XXXX : I have reached out via phone and email to Ally Financial to confirm the original contract a. ) can not be located b. ) Ally Financial no longer " owns it '' and c. ) there is new case law supporting my position in the matter as of XX/XX/XXXX ( Ally Financial Inc. v. Haskins class action settlement received final approval ).
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| 12/10/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
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Web |
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In XX/XX/XXXX I leased a new XXXX XXXX XXXX, the leasing company was Ally. When the lease matured in XX/XX/XXXX, Ally offered me a discount to purchase the vehicle. I decided to take them up on their offer and was directed to XXXX, Ally 's lease buyout and processing company. I entered into a agreement In XX/XX/XXXX with XXXX and Ally to buyout the lease and re-finance the vehicle with a 60 month loan. I agreed to the Financing arrangement ( again with Ally ), and the he loan was approved in XX/XX/XXXX. It was funded on XX/XX/XXXX. My first payment was due on XX/XX/XXXX. My next payment is due on XX/XX/XXXX The problem is that XX/XX/XXXX/Ally has NEVER processed the title of the vehicle over from the leasing company ( Ally ) and i have not received any paperwork regarding the transfer of the title in order to register the vehicle with the State of Ohio. Ohio still only recognizes the leasing company as the owner of the vehicle when in fact that lease was closed on XX/XX/XXXX and I am now responsible for paying Ally for the vehicle. The current registration expires on XX/XX/XXXX and I can not renew the registration without a new/updated memorandum Title from XXXX/Ally. After XX/XX/XXXX I will not be able to drive the vehicle legally. HOWEVER, I am will still be responsible for making monthly payments on a vehicle that I will soon not be able to drive. I have been trying since XX/XX/XXXX to get them to send me the Title memorandum and have sent several emails and made numerous calls to Supervisors at Ally and XXXX all of which are being ignored.
|
| 04/05/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
Servicemember |
|
RE Ally Auto Account # XXXX XXXX Since XX/XX/XXXX, my lease with Ally Financial was paid off. In XX/XX/XXXX, I paid the balance of the inception fee of {$160.00}. Although Ally representatives have indicated that the account shows paid in full with no balance, my credit report reflects " Account Paid In Full for Less Than Full Balance ''. Several representatives, XXXX in particular, XXXX XXXX has stated that she escalated this issue to her Supervisor to ensure that the credit report department updates the credit reports. To date, I have spoken to over 6 additional individuals who continue to advise me that my account is paid in full and they will submit a request to the credit department. I continue to receive the same information each time I call but I continue to suffer damages for the incorrect reporting, which has also lowered my credit score. I spoke with a representative on XX/XX/XXXX, and he called me every other day to report the same thing, " I am still waiting to hear from the credit department. They haven't responded. '' This was the same report that he provided to me Today, XX/XX/XXXX. As a result of his response I called again Today, XX/XX/XXXX and spoke with someone again who for the first time provided me with a Case # XXXX and informed me that it will take 45 days. I advised her that I was not willing to wait 45 days because I have been advised of the 45 day wait back in XXXX and I am still suffering the damages as a result of the incorrect reporting and managements inability to resolve this issue with their credit department.
|
| 07/18/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
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I paid off my lease with a certified bank check on XX/XX/2021 and the check was cleared on XX/XX/2021. Since then, Ally Financial has not sent me anything. During multiple calls on their Customer Support ( XXXX ) line they said that the documents will be sent to me. They also provided a number for Ally Remarketing Department, XXXX. I spent total 5hrs+. trying to talk to somebody who could help. The line is a dead end.
In Michigan, the lender must notify the secretary of state within 15 days of receiving a final payment.
Three weeks after they received my payment, I had received nothing from Ally. By definition A lienholder is a lender that legally has an interest in your property until you pay it off in full ''. They received my money and have no legal interest in my car as a lienholder anymore. The amount of time to process the payment and release the title is way beyond reasonable since a processed transaction means the bank has verified the transaction amount and has adjusted the funds accordingly between the bank accounts used..
Ally Financial is seizing my title hostage violating my rights to sell the vehicle. I do not owe a penny to Ally and still can not sell my car. Ally Financial does not send me anything ( lien release, buyout package or the title ). They do not refuse to send the documents ; they just simply do not send them.
I have been unsuccessful with getting anything directly from Ally Financial. I hope that the CFPB will assist me with this matter, Ally Financial honors the agreement and releases the title to the vehicle.
|
| 02/02/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
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Ally bank was sued because they were charging minority borrowers higher interest rates for their auto loans between XXXX XXXX and XXXX XXXX. I purchased my vehicle and was Finaced by Ally Bank on XXXX XXXX XXXX. I was financed for XXXX my first payment was made XXXX XXXX XXXX. A third party individual contacted Ally bank XXXX/XXXX/XXXX and spoke with a representive name XXXX ( ID # XXXX ) he advised her i was charged XXXX in finance charges between XXXX XXXX- XXXX XXXX I owned the car for 25 months.. and was being charged round figure of XXXX ( Est ) dollars in finance charges a month..this is defamation of character i request ally to refund me ALL of the Finance charges ive paid there company between XXXX XXXX until XXXX XXXX. Ally went against the ECOA implemented by the board of Regulation B that prohibits discrimination in any aspect. ALLY racially profiled me as XXXX due to my last name being XXXX then decided to charge me a higher interest rate. Ally Violated the FCPR Which assures Fairness of consumer Financing..A third party individual spoke with Allys customer service representatives on XXXX/XXXX/XXXX they Released my account information to a third party who does not have a direct connection with this transaction. IN fact they were knowledgeable enough to call her madam throughout the call but not once requesting to speak with the primary account Holder and she was able to get access to all of my account information Which Violated the Privacy act of XX/XX/XXXX ( Pub.L. 93-579, 88 Stat. 1896, enacted XXXX XXXX, XXXX, 5 U.S.C. 552a ),
|
| 08/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
This complaint stems from an original complaint filed with CFPB against Ally Financial under Complaint # XXXX, submitted on XX/XX/2021.
After the original complaint was submitted through CFPB, Ally Financial indicated that they would be correcting the inaccurate, incomplete information. They stopped the enforcement of repossessing my vehicle but they did not correct the inaccurate posting of monthly installments based on our previous agreements.
I sent the attached notices to Ally Financial to correct the two late payments they were indicating on my credit report as well as a recent one day late payment which was incorrect.
XXXX, an analyst at Ally Financial telephone me and indicated that they did correct the one error of reporting but the other two errors were accurate. I disagreed with him and explained prior conversations indicated that the two errors were on the fault of Ally Financial and that Ally Financial would be correcting the errors.
XXXX, advised that he would be sending me written payment history and records to reflect that the two late payments shown on my credit report were accurate. This conversation with XXXX took place over a month ago and to date, I still have not received any written verification of data from Ally Financial and hence, Ally Financial has had more than a year to correct their records.
I am once again, asking CFPB to intervene by any means necessary to adjudicate an expediate rectifying of my credit report. They are causing unnecessary negative reporting which was never due to anything on my end.
|
| 08/10/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
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I requested a XXXX month deferment on XXXX/XXXX/15 because I was in between jobs and was going to receive a short check. I paid the {$99.00} that was required to activate the extension on XXXX, and received a letter shortly after stating the extension was approved & my next payment is n't due until XXXX. I started receving collections calls a few days after regarding the unpaid amount. I explained my extension & was told a request/followup will be sent to the extension dpt & my account should reflect accordingly. Well, that did n't happend & I kept receiving calls ( about XXXX in one month ). Up until today XXXX I have called XXXX times to get this matter resolved & each time I get the response " we will send this to the ext dpt for review '' It is now OVER a month after I initially requested the extension, and my bill is due today & the extension is STILL not reflected even after XXXX different requests have been submitted. I spoke with a supervisor today, XXXX, who says the system thought the extension was for XXXX & not XXXX & that 's why the letter had my next due date for XXXX but everytime I spoke with a rep they seemed to know my extension request was for XXXX. She said she will also send a followup, and I asked for something in writing that reflects the correct dates my payments are due. I do n't have a problem paying the amount due in XXXX but I do n't think it is fair since ally did n't get it right the first time, and I should n't be penalized for a " system error '' when going off the due date I have in writing from the company.
|
| 02/06/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Web |
Older American |
|
I opened a complaint with CFPB # XXXX on XX/XX/XXXX regarding the problem I have with Ally bank described below. It seems that the bank ignores not only my direct complaint to them, but also the one I got with CFPB. It is absolutely not acceptable. I am expecting a fast and positive resolution of my complaint, and payment of my deserved bonus.
As a longtime loyal customer of Ally bank on XX/XX/XXXX I received email from them offering to open a new account and deposit new money, and in return to get 1 % cash bonus up to {$500.00}. They also outlined all conditions in order to be eligible for this bonus. One was to keep the money in the account through XX/XX/XXXX, and another was to keep account opened until XX/XX/XXXX. On XX/XX/XXXX, I opened two new accounts : one individual and one join with my wife. The same day I received two emails from Ally bank confirming that both accounts were successfully opened. After that I transferred new money to the new accounts. On XX/XX/XXXX I received two emails from Ally bank confirming successful transfers of deposits. On XX/XX/XXXX I called to Ally bank to clarify the time of receiving the cash bonus. However, I was told that at the time of accounts opening, I had to receive email with a confirmation of the bonus, which I didn't receive. Therefore, I will probably not receive the bonus. I have absolutely clearly met all bank eligibility requirements outlined in the offer. Therefore, I feel that Ally bank misled me and probably other customers, and must pay a bonus of {$500.00} for both of my accounts.
|
| 05/24/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
XX/XX/2019 I attempted to access my checking account online. It says 'there is no account activity for the past 120 days ' even though there had been multiple transactions just that week. I am able to login and view all transactions on my other accounts, but simply the checking account has had all information purged.
XX/XX/XXXX at XXXX XXXX, I called Ally 's customer care, and spoke to them for 30 minutes. We did basic troubleshooting, and they created a case for me. They told me to expect a call back within 24 hours.
XX/XX/XXXX at XXXX XXXX, I called Ally 's customer care and spoke to them for 11 minutes to which they provided me more information on the previous day 's call, and informed me that the problem had been fixed. It had not been fixed.
XX/XX/XXXX at XXXX XXXX, I called Ally 's customer care and spoke to them for 57 minutes to which they told me that they would forward the information to the executive relations team after I begged that they allow me access to my bank transactions.
XX/XX/XXXX at XXXX XXXX, I called Ally 's customer care and spoke to them for 24 minutes to which they informed me that the executive team should be contacting me.
XX/XX/XXXX at XXXX XXXX, Ally 's executive team reached out via email. They stated that an issue had been identified, and that a fix had been applied on XX/XX/2019, and that I now had access to my transactions. Regardless of what was applied or identified, I still do not have access to my transactions. I am relegated to calling in daily to have somebody read me my financial transactions.
|
| 06/01/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
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Web |
|
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I tried to dispute this incorrect data reported by Ally Bank. Extension was granted on the telephone for auto loan contract. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXwere all reported as late because of the inability of Ally bank to send the contract in the mail to my home address. When the supervisor at Ally bank was notified of the situation, they said they resent it 3 separate times in the mail to the address on file. Payment was not sent to Ally and I was confused why it had not been received yet in the mail. Supervisor made excuses and said it was my fault ( consumer ) although I know this not to be true. It took over 60 days to finally receive their paper work and when I escalated this complaint to the supervisor I was told that it was my fault I did not get the paperwork back and Ally said they would resend it. After 3 weeks it still did not come and I called back and the situation repeated 2 more times until about 65 days later the paperwork was received and sent back signed to Ally and payment was made within 1 weeks of the paperwork being received but I was told by Ally that they would not remove this for my credit even though this issue was 100 percent due to an inability of Ally Bank to send the paperwork to the correct address on file multiple times in a row. Please help resolve this.
This is from credit report : Account Details Account status Open Type Automobile Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Worst payment status 60-89 Days Late Times 30/60/90 days late 3/1/0
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| 06/29/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
|
ALLY BANK repeatedly freezes my bank account / debit card without notice.
I am a 100 % XXXX veteran and my pension is deposited to my ally bank checking account every month. I have all of my monthly bills set to autodraft off this Ally Bank account. However, on at least 3 occasions during the past 6 months Ally Bank has frozen my bank account without notice and without the courtesy to confirm whether or not I authorized such banking transactions, the end result which affected my ability to pay my bills on time and negatively impacted my personal credit score.
This week my account was again frozen without notice or communication from Ally Bank as I only discovered my account was frozen when I attempted to buy grocery. Nonetheless, I contacted Ally Bank and their only response was that they will contact me in 1-2 business days which in this event due to the holiday it will be 7 to 10 calendar days before Ally Bank responds to my inquiry.
Meanwhile, I am unable to pay my bills or buy grocery and medicines.
I don't understand why Ally Bank continues to randomly freeze my bank account without notice and then expect me to wait 2 weeks before I can access my pension funds.
At this time, I intend to notify the Department of Veterans Affairs to warn other Veterans not to bank with Ally Bank or do Business with Ally Bank so that they are not victimized as I have been by Ally Bank 's unexplainable fraudulent policies and repeated failures to notify the bank account holder that Ally Bank suspects anything fraudulent with their bank account.
|
| 07/27/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
On Tuesday, XX/XX/XXXX, there were 11 pending charges for {$90.00} ( totaling {$990.00} ) that were charged using one of the debit accounts associated with our Ally Bank checking account. We immediately called the bank and they closed out the debit card associated with those charges. We were then told to wait until the charges had posted to the account. After the charges were posted to the account ( resulting in an overdraft ), we were told to dispute the charges using Ally 's online banking website. We have an automatic transfer of funds set up from a money market account and so we had a transfer of funds out of our money market account to cover the associated overdraft in the checking account. We disputed the 11 charges on Wednesday, XX/XX/XXXX and signed an affidavit that these charges were not legitimate. It was very easy to determine they were not legitimate : The charges had a legitimate company website associated but a bogus # XXXX that was not in service. I called the company and they confirmed that they did not run 11 charges via POS on my husband 's card. It is now Wednesday, XX/XX/XXXX and Ally Bank has indicated that they are still doing their investigation. Ally Bank indicated they would provide conditional credit but they have not and our {$990.00} is out of our money market account- costing us interest earned. In researching, it appears in 2021, Ally Bank had a hack that resulted in the release of their customer 's information so I can only assume that the information for our account was purchased as a result of that hack.
|
| 02/07/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Older American, Servicemember |
|
Consumer Financial Protection Bureau XX/XX/XXXX Re : Ally Auto Finance I need your help. Ally Auto Finance has hidden charges in the XXXX XXXX Contracts.
Permit me to explain. On XXXX of XX/XX/XXXX I entered into an Auto Finance Contract with Ally Auto Finance via XXXX XXXX XXXX, XXXX XXXX XXXX for the purchase of a XXXX XXXX XXXX. The interest was supposed to be 7.09 %.
However, Ally Auto Finance has instituted some creative Finance Charges in addition to the Interest Charges. This is totally Ludicrous and highly Unethical.
I am not paying 7.09 %, I am paying 7.09 % + a fabricated Finance Charge. The Finance Charges nor Interest Charges are disclosed in the monthly statements. Instead when you receive youre your Monthly Statement there is an area marked Last Paid which contains a column named Finance Charge. There is NO disclosure showing the Interest Paid just the Finance Charge Paid and there is NO calculation showing how that number was derived. Such as Number of Days in the Billing Cycle. ( See attached titled : Ally Interest Statement XXXX highlighted in yellow ).
I have put together a Summary Sheet ( see the attached titled : Ally Calculated Interest XXXX ) which shows the amount charged by Ally under the column titled Ally Interest ( highlighted in yellow ). I have also included a column titled Calculated Int. ( Interest ) which represents the Interest that should have been paid based on 7.09 % APR.
Please help me to extinguish this Unethical Business Practice and please keep me informed as to your progress.
XXXX XXXX
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| 02/28/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
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|
I tried to submit a wire transfer for the closing of my house at XXXX XXXX est on XX/XX/XXXX for the meeting at noon that day. I called in to the call center at noon to verify the status with the employee who said that the wire was being transferred and gave me a confirmation number. After giving this to my lawyer, they found that this number did not exist. I called back into the call center shortly after and inquired to this and they told me my wire transfer was still in process and that they needed my verification before moving forward. I tried to give that to them on the phone but they would not accept it. The representative, as well as their website, assured me that someone would be in contact and that my wire transfer would be completed by end of business on the XXXX. At the end of business, this was not complete. I called back into their center where they told me that this request now would be completed at the start of business on the XXXX, putting me at risk of losing my home. After explaining this, I was given no help to move forward. This morning, on the XXXX, I called in at XXXX XXXX to see the status as this was still not moved, they told me they still needed to verify the information with me, which I offered to do again and offered to be transferred to this person but was not allowed. I was then promised that someone would be in contact at XXXX XXXX on the XXXX est. This has also not happened at this point. I am in dire danger of losing my home and the only reason is that Ally Financial refuses to send my money to the lender.
|
| 09/04/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
On XX/XX/2019 I entered into a legally binding contract with XXXX XXXX to buy another vehicle and pay Ally off in the midst of that contract in the amount of XXXX for their financed vehicle, after XX/XX/2019 any accured charges were the responsibility of that automotive dealers, since there were not recontract of said contract. On XX/XX/2019, Ally attempted to charge my checking account a payment of {$460.00}, of which I stopped since I on XX/XX/2019, paid them off within a legally binding contract with XXXX, and any payments thereafter is the responsibililty of XXXX to pay said vehicle off.
On XX/XX/2019 Ally created a check, and sent it to me in the amount of {$310.00} without condition or request. I deposited said check within my checking account, and thereby considered the issue closed, with three days was notified by my bank that said check wasn't honored, now the defense that the payment on the XXXX of XXXX was the reason is without merit, considering as of XX/XX/2019, all issues with shortages were between the dealership and Ally not the consumer, since they had a funded deal with another lender, that vehicle isn't a issue. Additionally Ally is reporting that I have a balance of {$460.00} left on my account, I submit that I have no payments past XX/XX/19 based entirely on a legally binding funded contract with another lender, and that any shortages is to the dealership not the consumer, the payoff quoted on XX/XX/2019, should have been paid as according to the contract, and no additional payments from the consumer is warranted.
|
| 09/01/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Web |
|
|
I paid off my loan with ally bank back in XXXX. I cancelled my XXXX insurance, and the dealer sent it to ally bank on XXXX XXXX, 2016. I called Ally bank customer service in the XXXX spoke to XXXX. She stated thearlier check was cashed on XXXX XXXX. First off, my loan was paid off. Ally had no reason to cash this check when the account was ahd has been paid off. Then she proceeded to say I have to wait 10 business days for that check to clear. Then, I have to wait an additional XXXX to 5 days to mail it. Meanwhile ally earns interest on my money. Ally stated they endorsed the check that had my name on it as well. Ally had no right to cash a check that did n't belong to them at all. I tried speaking to a supervisor but of course I was told XXXX to 72 hours before I would be able to talk with someone. My question is why would they cash my check when the balance is zero and then hold my check until 15 days? I 'm not really happy with them and cashing of my check they could have returned it or signed off on it and sent it to me to worry about a dealership check clearing. Not to mention checks clear now within XXXX to 2 business days due to check XXXX when that took place. Meanwhile, I 'm the one who is waiting for my check that I 'm entitled to especially when there is no Balance and my account was closed. Ally needs to be taught business practices and to stop this way of doing business .. I paid my car payments on time and I did n't make them wait to talk to me at any point. I 'm sick of these big companies taking advantage of us consumers.
|
| 08/09/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
In XX/XX/XXXX, I entered into a lease agreement for a 2014 Chevy Equinox. The sales tax, among other fees were rolled into the lease agreement. In XX/XX/XXXX, I moved to Massachusetts from NY, the state I leased the vehicle in. Ally, the lender, sent me a statement saying that my monthly payment is going up because of the MA sales tax. I called Ally and spoke to someone that was in a foreign country that had no idea of what she was talking about. She was reading from a script and not answering the questions I was asking her, nor was she addressing or responding to what I was saying with any coherence. I told her that the sales tax was rolled into the payment and that it is listed in the lease agreement. She said she would have to check with the taxation department at Ally. I told her to call me back when she found out. Over a week has passed and no one has contacted me. I have since spoken with the original car dealership and they again confirmed that the tax was rolled into the monthly payments. I 've tried reaching out to Ally multiple times and each time I 'm met with incompetent people that barely speak English and who get beligerent when I ask to speak to someone in the United States and bury me on hold for over 30 minutes to speak to a supervisor, as was the case today. They do n't do what you ask and have terrible attitudes. However incompetent customer service there is, my main complaint is that they are trying to rob me. The additional monthly charge is not valid and no one there is available or willing to speak to me about it.
|
| 12/02/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I was scammed by a company pretending to be a music marketing company ( XXXX page linked to a fake website ( which is now turned off in addition to the contact number ).
When I discovered the company was not real, I attempted to reach out to the email address and phone numbers I had for the company - with no responses ever being received. I, then, obtained an attorney to send a Demand letter to the company via the contact methods that were listed. Again, no response AND the XXXX XXXX XXXX informed the address the company was using as their was not and NEVER has been affiliated with the company or the person listed as the CEO and was not an entertainment company at all.
I then contacted XXXX regarding how to initiate the refund/pull back from the transactions, who informed me that would need to be initiated by my financial institutions because the contact number listed for the XXXX account was no longer in service for the merchant. XXXX informed me to contact my financial institutions because they could reverse the transactions via a dispute for the charges.
When I contacted XXXX and Ally Bank, both have refused to reverse the transactions, even with the supporting documentation from the lawyer where it was determined the company was a scam/ponzi scheme. However, XXXX approved and refunded the payments that were made from my credit card that were also involved in the scam and paid thru XXXX ( unsure how one account can approve the scam transactions, and the other account with the same financial transactions are being declined ).
|
| 01/15/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
This is the SECOND complaint to your office regarding a dirty sale of a vehicle to me from XXXX XXXX.
I purchased a used vehicle from XXXX XXXX in XXXX, Arkansas in XX/XX/XXXX. The finance department never disclosed the annual percentage rate or the monthly payment as a tactic of high-pressure sales.
I tried to do everything to reverse the transaction but could not. On XX/XX/XXXX, the vehicle was repossessed and Ally Bank tried to garnish my bank account. Ally Bank hired XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX to sue me for the remaining balance. The balance was just over {$8000.00} dollars. The case was thrown out of court XX/XX/XXXX. I have been on XXXX since XX/XX/XXXX. My XXXX checks are not enough to get me through the month so I must rely on SNAP benefits. My mother used to help but she died XX/XX/XXXX.
This week I received a letter from XXXX XXXX XXXX XXXX XXXX. They were hired by Ally Bank to collect what I could not afford the first time they took me to court. I have attached their letter and a print screen of the court case and the outcome.
I am not in good health and was not when I was conned by XXXX XXXX to purchase their vehicle. This bank must acknowledge that I was not and will not ever be able to pay them. Ally Bank needs to get whatever money from the dealership who begged them to finance the loan. I have lost thousands of dollars because of XXXX XXXX and Ally Bank. This needs to cease, as it is getting out of hand. My mental health can not take any more of this harassment.
Please see the attached documents.
|
| 12/06/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
On XX/XX/XXXX, I filed a complaint with the BBB against the violation of my consumer rights with XXXX XXXX XXXX. They keep calling my job although they notified BBB on XX/XX/XXXX that they received my complaint when I called and they will no longer call my place of employment. On XX/XX/XXXX, my supervisor once again informed me that I received yet another call from this same place. I spoke to her and was told I am not to give out her number. I apologized yet again and assured her that I was trying my best to get this situation under control.
XXXX XXXX XXXX has yet again violated my consumer rights, lied in writing to the BBB and they refuse to abide by The Fair Debt Collection Practices Act. They keep violating my rights under this act and companies like this must stop. I am working very hard although they do n't see it to catch up on my car payments. I am on 90 probation because this is a new job and to have bill collectors keep calling me at work is unacceptable. I receive an evaluation and this will be noted. How do they accept me to pay my car note when they keep violating my rights trying to get me fired or humiliated at work. I am not sure why they feel they can do this but it has to end. I will be looking to seek further action against them.
In their own writing on Ally letter head they replied back to the CFPB stating they place my cell number and work number on the Do Not Call list, however they keep calling my cell over 5x 's a day as well as still calling my place of employment. I have attached a copy for the records.
|
| 05/25/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I called Ally on XX/XX/XXXX regarding the late charges of XXXX on my account due to the last car payment was made on XX/XX/XXXX. I advised that I wanted to see if the late fees could be reduced somehow due to COVID issues. The customer care professional advised that my loan was PAID IN FULL and I would recv my title in the next 10 days.
After not recv my title I contacted ALLY and advised that I had not recv my title.
XXXX advised that there still showed an existing balance.
I advised XXXX that the customer care advise that this account was paid in full and he said that give him 3 days to provide feedback after the call was reviewed.
The call was reviewed and confirmed that the customer care person advised that this account was PAID IN FULL XXXX advised that the account we be sent over to the complaints due to this issue.
XXXX SUPERVISOR called back and advised that he would need to send to manager because he did not have the ability to waive that much in late fees.
Manager never called me back.
XXXX from the charge-off department called on XX/XX/XXXX and advised that there is no notes at all to reference any of the above calls and she has no idea about the above.
XXXX escalated to XXXX the supervisor and he advised that he could not access the system with the notes and the best he could do was provide 15 % off the late fees.
I advised that I would escalate this issue to CFPB and the XXXX
I have been getting the run around and no one taking accountability for the inaccurate information that was provided by ALLY.
|
| 11/29/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
We purchased a vehicle from Ally Finicial and we got behind on the payments, they repoed it once we paid all fees and went got it back and few months later the same thing happened but both times telling us they had rolled payment to the end of the term, XX/XX/2014 got behind again tried tried to work it out they would n't take anything less than XXXX XXXX We were told they took possession of the car back they would sale it at an auction deduct that amount from the balance and send us a letter letting us know how much vehicle sold for at auction and what our balance would be! They have never heard a word from them since its reporting on our credit I 've tried and tried for over year and half to get validity of the bill of sale at auction to verify outrageous amount they say we owe, they never respond, never have yet sent record or anything to my disputes on all XXXX credit reports they blow them off within a day credit reports say consumer disagrees account charged off! Is it not our right to know and have explanation of why a balance of over XXXX grand is on my credit report? Arent they suppose to oblige to my disputes and correspond with me once disputes the validity of my account standing and my dispute? Am I shunned and stripped of my rights because the repairs on the vehicle got to expensive even tho we purchased for extra XXXX $ power train warranty and with XXXX $ monthly payments? Please help me as a consumer to straighten out this huge issue that Ally nor credit companies not make them abide to the laws. Thank you very much
|
| 05/20/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
Company is responding with automated cookie-cutter responses ( see below ) with a demand to call. However, when calling, the Representatives pretend not to know why I am calling. This company was supposed to move my 3rd month payment to the end of my contract upon me calling per my dealership where vehicle was purchased. Suddenly late fees started showing up on my account in which I made over 10 calls trying to understand the reasons behind the late fees -- previously requested ; however, as you can see below this company is avoiding providing IN WRITING justification for the fees and has still yet to send in writing : 1 ) A ledger showing the dates and amounts of fees that now total more than {$160.00} 2 ) An UNKNOWN LATE FEE amount that was POSTED SEPARATELY on their ledge as PAST DUE but did not DETAIL for what which did not MATCH the regular payment amount plus was NOT included in the 'Late Fee ' total ( see previous complaint and screenshots below of the cookie-cutter responses from this company )!
3 ) What other measures do I need to take to receive fair and Good Faith Effort information from this company? There are many many many complaints against Ally -- why are they still allowed to operate in the industry where they can DEMAND EXTRA MONEY WHEN THEY WANT WITHOUT EXPLAINING AND JUSTIFYING THE REASON FOR IT -- IN WRITING. This will and can not be resolved with a phone call. I would like written information DOCUMENTED regarding my concerns. I also want my credit report corrected to remove the false entries of LATE PAYMENT.
|
| 05/19/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
I was in XXXX for over XXXX and having issues with ally bank accessing my account due to no cell phone service and also a dispute between the the XXXX XXXX XXXX and myself concerning a refund of my airline tickets due to the death of my XXXX old child in XXXX due to XXXX XXXX from the hospital. Upon many different points of contact verbally with calling in and also via email and messaging on the app. Ally denied my refund and dispute with no reason basically saying I needed to handle the issue myself when prior they stated if no resolution could be met they would step in and mediate and resolve the situation in my favor even after all of the evidence was in my favor. XXXX shredded the evidence by saying they couldn't give me an accurate account of how much the refund of the tickets I was supposed to get and ally just kicked the bucket down the road and did nothing in effect siding with the XXXX aka the XXXX XXXX XXXX The points of contact via email and messaging were as follows. XX/XX/XXXX, 3 times, XX/XX/XXXX 8 times, XX/XX/XXXX, 1 time, XX/XX/XXXX 2 times, XX/XX/XXXX 1 time, XX/XX/XXXX 1 time, XX/XX/XXXX twice, XX/XX/XXXX 1, and XX/XX/XXXX I contacted them once. So ally just like with their prior cases of racism with minorities specifically XXXX Americans this is another case of that and to cover over there misdeeds they shut down and closed my accounts hoping that they could cover up there wrongdoing. They also shutdown a joint account in good standing without any reason or arbitration or following FDIC Rues and regulations.
|
| 12/22/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
I was a victim of phone fraud on XX/XX/2022. I received a voicemail from a person I was lead to believe was a Lt from the XXXX XXXX XXXX department stating that I missed a court date and I was called as an expert witness ( I'm a XXXX XXXX ). They stated that there was a subpoena sent to my old address ( which they provided me ) and it was signed for. Since I missed this court date the judge issued 2 bench warrants ( and they provided me with the case numbers ). I was given the option to pay my " bail '' which was set to {$9000.00} and then head to the Sheriff department to verify the signature was not mine. If I did not pay the bill before I headed over, I was to be arrested for a 72 hour hold. Again, I'm an XXXX and work for a government agency and had patients to care for so I could not be arrested. I said I will try to pay. I was advised to send {$2000.00} now via XXXX to the FBI bond XXXX, I asked the name before I sent, and they said XXXX XXXX XXXX. I did as told and then spent the next XXXX hours with the man on the phone procuring more money. Once they asked me to turn it into XXXX, I knew it was a scam. They were very convincing. I called Ally bank right away to dispute this charge. They sent a letter to me stating that " the disputed transaction is considered authorized because : the disputed transaction was completed with a merchant with whom you have an established relationship. '' I have asked for further paperwork to understand their decision. I also filed a police report with XXXX XXXX police - report number : XXXX.
|
| 03/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
At the beginning of the year I was a victim of identity theft ( FTC affidavit attached as well as proof of fraud alerts on all three major CRAs ). This caused me to look deeper into my credit. After doing so I discovered several inquires I did not recognize. One being from Ally Financial. On XX/XX/18 I sent a certified letter to Ally Financial requesting proof of " written authorization '' by me with my signature to pull my credit. Ally Financial failed to provide me with such proof. Thus I am assuming they have no such documentation and do not have written authorization from me to run my credit. I also did NOT authorize anyone to have Ally Financial run my credit. According to section 604 permissible purposes are : Firm offer of credit, insurance, employment and court order. Section 604 also states the consumer MUST give " written instructions ''. I have attached an FTC advisory opinion ( below ) which interprets Section 604 of the FCRA on what is both permissible and considered " written instruction ''. According to this FTC advisory opinion Ally Financial is in direct violation of Section 604 of the FCRA. I again request that the UNAUTHORIZED inquires be removed from my XXXX and XXXX report or be provided proof I have given " written instructions ' to pull my credit. I am also aware according to FCRA Section 604 ( A ) ( 3 ) that Ally Financial is liable for a monetary fine if they fail to provide such documentation. XXXX and XXXX are liable for the monterey fines as well for reporting unverified information.
https : XXXX
|
| 04/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
Older American |
|
As a result of the repossession of my XXXX XXXX XXXX the first week of XXXX, I no longer have title to my car. I fulfilled all demands of Ally Financial, INC and recovered my car by XXXX XXXX XXXX
Last Saturday, when I attempted to sell my XXXX XXXX at XXXX, I was informed it would be impossible to complete the transaction as my title was invalid. Ally had modified the title, making, Ally Financial, the owner in XXXX, Michigan.
When I called Ally on XX/XX/XXXX about getting that the title corrected, I was informed it would take 3 to 4 weeks for them to send me the documents necessary to correct your mistake ( and these documents could not be emailed or faxed ).
In the meantime, I can not sell the car.
Strange that Ally was able the change on XX/XX/XXXX, one day after I paid the amount past due ( XXXX XXXX XXXX ) and met all the demands of Ally regarding the repo.
Evidently, Ally 's departments do not communicate or check to see if such actions are accurate, prudent or appropriate, let alone ethical or legal, I was never informed of the change of ownership on this title.
Also, there were personal items removed from the vehicle and I have sent numerous emails about this to XXXX over the past month with no response.
I do not understand 1 ) how someone can make changes to a motor vehicle without due process of the law, and 2 ) when they do modify the title ( after the loan/lien has been reinstated ), they are unable/unwilling to correct their error in a timely/expeditious manner.
Thank you for any assistance you may provide.
|
| 08/14/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
Ally Bank Complaint : I've been a dedicated, loyal customer of Ally Bank for over 5 years. I've always deposited, auto-debit, in both my checking and savings account with no problem. I become a victim of a job offering scam for remote work with a financial deposit for remote work equipment that was spelled out in their scammer " offer letter '' that I needed. I reviewed the items and they ALL were legit including the vendor equipment for remote workers that they listed for me to buy. Ally reviewed my experience and still decided to cancel me as a customer after all these years and ONE incident of a scam/identity theft, they closed my account & froze my funds. Like WOW??!! Just know if you work with them, this will be the result if you are a victim of something YOU did NOT do wrong! They closed both my checking ( {$25.00} ) and savings account ( {$3500.00} ). Choose another online bank for your best interest because some things are out of your control. I've been very disappointed in how they disregarded me as a customer so quickly and would not disclose the investigation details so I can understand why I was dropped as a customer when I've given them no issues all these years. Closing these accounts created such a disadvantage in my life these two weeks and I've been so bummed. Just watch out for the scammers and verify any checks they give you to deposit ( if you are applying for jobs and yea ). Ally was a bank I recommended for years before this incident happened to me, but now not going to do that. It is what it is...
Best!
|
| 05/18/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
|
|
I initiated a Bank Transfer of {$75000.00} from my XXXX XXXX XXXXXXXX checking account into an Ally Bank CD account on XXXX XXXX XXXX
This transfer was initiated from my Ally Bank account.
The transfer completed on XXXX with a status of delivered ( indicating the money was successfully transferred ).
My XXXX XXXX XXXXXXXX checking account indicated the money was withdrawn on XXXX
The {$75000.00} never showed in any of my Ally Bank accounts ( checking, savings, CD ).
I contacted Ally back on three seperate occasions. The first was via a secure message via the Ally Bank website. The other two times I called them.
Their initial response was that the Bank Transfer failed since the CD account I was trying to transfer money into was already funded and I needed to contact XXXX XXXX XXXXXXXX and dispute the transaction. I contacted XXXX XXXX XXXXXXXX on XXXXwo seperate occasions. Each time, XXXX XXXX XXXX indicated the Bank Transfer was successful and that they could not reverse the transaction except in the case of fraud and that Ally bank would have to send the {$75000.00} back to XXXX XXXX XXXX. When I talked to Ally Bank support about what XXXX XXXX XXXXXXXX told me, they said they would fix the problem in 2-3 business days. Each time Ally Bank would then call me back after 2-3 days and say that the transaction failed and I would have to dispute the transaction with Bank of XXXX XXXX So I don't have access to the {$75000.00} transferred to Ally Bank and Ally Bank and XXXX XXXX XXXXXXXX both claim they can't fix the problem.
|
| 11/22/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
I appreciate partial Lien release received XXXX 2015 - I am requesting full release to be filed in county recorders. I sent letter XXXX XXXX, 2015 - acknowledgement of letter has not been received.
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, CaliforniaZip Code XXXXRe : XXXX XXXX, vs. Ally Financial and General Motors Auto Credit, et al., Dear XXXX XXXX, XXXX. : Responding to your letter of XXXX XXXX, 2015, your are aware that any action against the property of a debtor, who has initiated proceedings under any chapter of the United States Bankruptcy Code, especially actions which affect any interest the debtor has or may have in that property, are void regardless of actual notice of the Bankruptcy proceedings by the creditor. The XXXX Chevrolet Corvette in question, is listed as an asset in my Bankruptcy proceedings and the loan pertaining to its purchase and the judgment obtain for its possession are listed as liabilities on my Bankruptcy Schedules of Assets and Debts, and all relevant parties received actual notice of the pendency of the proceedings.
There is now pending a request to reopen my Chapter XXXX Bankruptcy proceedings to address your clients knowing and willful violation of the provisions of the automatic stay of the Bankruptcy Code. I demand that the vehicle in question be immediately remitted to my possession on or before XXXX XXXX, 2015. If not I will consult legal counsel regarding the appropriate action to be taken to compel the turnover of this property of my estate or for such damages as I may be entitled.
|
| 09/01/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
After my accident, my gap insurance paid off my Ally auto loan. About three months afterwards Ally called me saying I owed in the ball park of {$250.00}. With no hesitation to pay, the representative said he could put it on a 6 month payment plan, what he failed to mention is it was already late. No documentation of me owing them till a month after that phone call. However I made a payment the day of the phone call through their app which went from a {$0.00} balance to that amount. To pay it off earlier then 6 months I made XXXX deposits {$50.00} the day of and {$100.00} the following day. The next month I paid the remaining balance. Now, XXXX rolls around and my Loan Agent calls me, declared that I had to late payment markings on my credit report. XXXX for XXXX and XXXX for XXXX. I called ALLY, they wanted {$29.00} " late payment charge '' for an account that was paid off on XXXX in full. I called them being transferred department to department, manager to manager with no resolution. Their case that I repeatedly got is I did n't pay my car payment on time. My assumption is the original payment schedule was never changed and the agreement with their representative that was made never got processed. Which brings me back to square XXXX, GAP insurance pays the remainder of the bill. Yet I still owed? In resolution because of all of this I now have to bad markings on my credit report for an account that i was always XXXX car payments ahead on. with no resolution in sight and {$60.00} in late fees that should have never be occurred.
|
| 12/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
This company pulled a hard inquiry on my XXXX, XXXX and XXXX consumer report without my permissible purpose. According to the FCRA 15 USC 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
This company has none of these documents or written instructions from me authorizing them to pull my report.
I did not authorize this inquiry.
The law states 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I did not authorize this inquiry
|
| 04/04/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I received a quote online for the payoff amount on my car for the XXXX, XX/XX/2019. I sent a cashiers check via email to Ally XXXX XXXX, which they posted on XX/XX/XXXX. I called customer service, XXXX, on XX/XX/XXXX to provide my XXXX account number for them to send the title overnight and was told they were sending the title to my credit union based on title instructions they received. This was incorrect because I sent the cashiers check from my credit union where I bank. I was assured that the error was corrected and the title would be sent to me at my home address by the following Monday, XX/XX/XXXX. I called customer service on XX/XX/XXXX to confirm everything was good and was told that my title would be sent to XXXX XXXX, who I have never dealt with in my life. I was assured that everything was corrected and my title would be mailed to me. I called customer service again on XX/XX/XXXX and was told that my title was sent to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Ok, XXXX. They said they couldn't help me until they receive the title back from XXXX. They apologized for the error and would call me back on XX/XX/XXXX between XXXX XXXX and XXXX XXXX eastern time. They didn't call, so I called them. I have to start over every time I call. There is no manager you can talk to. I am just assured that they will fix it. But every time I call I get a new person and have to convince them all over again that they made a mistake. The vehicle has a value of $ XXXX. My loan is completely paid off, but I can not get the title for it.
|
| 11/03/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
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I had my card with Ollo, which was bought out by Ally Bank. My Available credit was {$1600.00} with Ollo and Ally kept it at {$1600.00}. I made my payments on time every month and made a purchase over {$400.00} in XXXX, still making all payments on time. In XXXX for unknown reasons Ally reduced my {$1600.00} credit availability down to {$600.00}. Without notice, this in turn made the {$400.00} left from the XXXX purchase equal over 50 % of my available credit on the card. If they would have told me this was going to happen I would have never made the purchase with this card. I never missed a payment or was late on payments, there was not change to my credit report or negative action that would have caused this.
Due to this my credit utilization is over 50 % of the credit on the card which lowered my credit score.
Ally bank has several ways to reach me : mail, email, in account messaging, text message, phone call, they did not send one single correspondent to let me know they were going to lower my available credit nor have they responded to my inquiry as to why they did this. I was able to get a rep on the phone and she could not find out why they did this but was able to find out the day they did it which was XX/XX/. She also stated She does not see any actions on my account that would cause a decrease and of this magnitude.
This is not how consumers should be treated, I have never had a bank do this to me. Nor can it possibly be an acceptable practice by law. Please let me know what can be done to rectify this situation.
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| 04/27/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
On Friday XXXX XXXX, 2015 I made a payment at XXXX to Ally Bank for my automobile. There cut off time is XXXX so therefore the payment was made on the XXXX but would not post to me Ally account until the XXXX. I called Ally bank on Saturday XXXX XXXX, 2015 I spoke to a representative and I asked them specifically would that payment be recognized on the XXXX even though it does not post to my account until the XXXX, and if it wont what other payment options do I have because I do not want my credit to affected. The rep from Ally bank told me that it would be recognized on the XXXX even though it was after cut off it will just post to my account on the XXXX but my credit will not be affected. I then went on to ask are they sure and if not can I make a payment that day the XXXX. Once again the rep stated no my credit would be fine and the would see that payment was made before cut off time. Well the rep was wrong and they instantly reported late on XXXX XXXX, 2015 which in turn has destroyed my credit and brought my score down almost XXXX points this is the only negative item affecting my credit right now. I have tried several times to resolve this issue with the company but nothing has been done. I am asking that they hold the word of their employee especially since I offered to pay and they told me no it will not affect my credit. I have contact an attorney because this is not right nor fair. All I am asking is that they remove the XXXX time derogatory remark from credit based on the fact their employee told me it would be ok.
|
| 10/20/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Mortgage has fallen behind by 2 months, I have been making payments every month but unable to catch up with additional 2 payments. In the past I have contacted XXXX and advised them that I am trying to catch up but in the meantime I can make the monthly payments. XXXX advised me that as long as I maintain the monthly payments I should be ok until I am able to catch up however, they did say they could send me paperwork to push back the past due so that the account comes back to current. I had accepted this and received the paperwork which needed to be notarized. Prior to them sending out the paperwork I had advised XXXX the my wife who was on the paperwork had passed away from XXXX on XX/XX/2021 and that they should resend paperwork with only my name. XXXX would not resend me paperwork with just my name nor would accept her death certificate to have onfile, this presents a problem when trying to get the paperwork notarized. I was granted social security surviving spouse benefits that goes straight to paying the mortgage each month, I do have backpay that I am awaiting on to be able to use to catch up on the loan but that process is taking way longer than it should and I am working to get it expedited. In the meantime I have been getting numerous letters from XXXX threatening to foreclose on my property even though I had advised them about the situation over the phone. I have not been avoiding talking to XXXX and have been very open about my situation which they advised again that as long as I make my payments I should be ok.
|
| 10/08/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I was involved in a motor vehicle accident on XX/XX/2021 that resulted in the total loss of my vehicle that was financed by Ally Financial Inc. My insurance company, XXXX XXXX provided a check for the full payoff amount of {$1300.00} to Ally and mailed it on XX/XX/2021. By XX/XX/2021 Ally began calling me sometimes 3-5 times a day pushing me to go to XXXX XXXX and electronically transfer them my regular monthly payment of {$170.00} plus approximately {$5.00} in late fees. I explained to them that XXXX confirmed someone at Ally Financial cashed the check on XX/XX/2021 and when I attempted to provide them with the check number they admitted they did in fact have the check information and they admitted to cashing the check but stated that they could not update my account because " their bank had not yet released the funds ''. This was per a conversation with them approximately 2 weeks after they had cashed the check. Once I found out that they did in fact have the check I told them that from now on they could speak with my lawyer who is currently representing me in my injury claim and provided them with my lawyer 's number. At that point my lawyer agreed to also send them a cease and desist letter that was sent on XX/XX/2021. However, now, when they call my lawyer and they find out who they are speaking with they immediately hang up and refuse to speak with them. As of today, Ally is now also calling my family members multiple times a day and asking them to contact me even though they know who they are supposed to speak with.
|
| 03/10/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American |
|
I have been making extra payments to my account to go to the principal amount and Ally kept the money towards future payments. I called after the first time that they did not allocate the additional monies I sent to principal and they said " they do not do that '' - it could only be held for future payments. I checked with other people who told me that if I asked for it to go to principal that it should and I called again and they said they needed my request, in writing. I wrote them an email through their online system and again they said they do not do it that way. I wrote again and asked for an accounting of my accounts and they said they do not do that. My wife then called them ( with my permission which I gave them on the phone ) and she kept escalating it until she got someone who said they would send out an accounting of monies paid throughout the time we have been paying - since XX/XX/XXXX. On the payment history, it says " unpaid balance '' {$8100.00}, but then it states below that the remaining unpaid balance is {$8500.00}. My monthly scheduled payment is {$290.00}. They STILL have not re- adjusted or re-ammortized - in the account online - it states that they have taken the recent additional payments towards future payments and that my next payment of {$180.00} is due on XX/XX/XXXX. I also believe they do not ammortize their loans properly. I have had many loans over the years and have never seen one that the interest rate and principal " fluctuate '' instead of going up and down as on an ammortization schedule.
|
| 11/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
Hello my Complaint is the Bank involved Ally Bank mainly i Lost my Job a long while ago when i had the account and i Stupidly overdrafted some and ended up owing Ally bank XXXX XXXX because my account was overdrafted for a long time and i had no income the amount was acctually higher until my state income tax return came and my amount owed was reduced for XXXX XXXX and my Problem is me owing them XXXX XXXX has my ability to Open A bank with Some/many/or All banks is now either hard or next to impossible thanks to me owing ally XXXX! XXXX only XXXX XXXX and possibly my XXXX account is mixed up in it as well closing out owing them XXXX XXXX because i was using Privacy the virtual card service and forgot privacy charges take a long time to go through and what i probably did with XXXX is spend the money before paying XXXX but i dont know if its on the same report so i recently applied to some banks and was rejected by both XXXX credit union and XXXX XXXX and this XXXX XXXX a Small amount mind you which im happy to pay is ruining my chances of opening any account and prepaid/debit card accounts charge annoying fees on anything id rather have a bank and im pretty sure if i apply to most banks i will get denied i would totally understand if i Owed tXXXX XXXX XXXX but its XXXX XXXX if XXXX is actually in the report i owe probably XXXX together this is crazy and i lost the letter ally gave me stating this but when i applied to XXXX XXXX for an account they sent me this letter saying my early warning score is high risk
|
| 03/01/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
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have had financial hardships from losing both of my parents last year in XXXX and XX/XX/2021 then having XXXX late XXXX of which I am still recovering and unable to work. Today, I called to speak with the original person assigned to my file, which is XXXX XXXX at XXXX. XXXX. When speaking with XXXX XXXX who was extremely rude to begin refused to transfer me over even when I provided him the extension. He advised that she was not assigned to the account. When I asked who was assigned to the account, XXXX XXXX intentionally disconnected the call.
Let me be clear, I can not help catching XXXX. I did not create this pandemic, I like the rest of the county are simply navigating through. I am still recovering and no one outside of XXXX XXXX has been helpful in any capacity with my issue. Every other person is rude, and hang up when I ask them to identify themselves. When they call you and you request to know who's calling, they hang up. This is borderline harassment. I have a right to know whom I'm speaking with in regards to any manner I am contacted that concerns me. Ally had not worked with the consumers despite the pandemic where we are financially harmed because of XXXX, despite or previous payment history with them.
To assist me in becoming current despite my being unable to work, I am asking that all late fees and other fees incurred during this time of illness be waived and that Ally will work out a payment plan for me to become current. I am also asking that my file remain with XXXX XXXX until I am brought current.
|
| 01/22/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
|
|
I am no longer a customer of Ally Financial where I had a new car lease until XX/XX/XXXX.
I received a letter today from Ally Financial dated XX/XX/XXXX stating that I have a summons for an unpaid toll ( date of issue XX/XX/XXXX ). This is the first time I have ever heard of this, and Ally has misquoted the date if this ever happened. It probably happened XX/XX/XXXX, but I never had any information on this. I DID NOT PHYSICALLY LEAVE THE STATE OF TEXAS IN ALL OF XXXX DUE TO THE PANDEMIC, SO THIS IS THE WRONG YEAR.
Ally is threatening me that I must pay the toll now and notify them in 15 days about my intent to pay. That is fine, but I can not locate the toll. I went on the XXXX Maryland site where the toll needs to be paid, and inputted the data provided for the summons, and nothing comes up. Nothing comes up with my license plate or my current zip code, or a previous zip code. There is nothing I can do.
I called Ally on XX/XX/XXXX as instructed in the letter and the first person said that she couldn't find anything on the account around this toll. I told her look again, and she found it. She then said she'd hand me over to the leasing department and that person was not helpful and I told them I was trying to give them notice as per the letter, and she didn't understand.
I've had a lot of problems with Ally Financial ( have already submitted other CFPB complaints ), and this is just another hassle I never anticipated. It's exhausting and I just want some peace and be done with this horrendous and sloppy company.
|
| 11/03/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
My car was purchased in XX/XX/XXXX at XXXX XXXX, they got me financing through Ally Financial, also purchased XXXX XXXX, my payments were outrageous with good credit XXXX a month for a used XXXX XXXX. Purchased insurance from XXXX and thought everything was fine, not to mention the XXXX XXXX. On XXXX XXXX my car was stolen and found in XXXX, Maryland Totaled, XXXX is telling me did not have coverage to pay for stolen when I called to make sure it was Full coverage for a Financed Car, the coverage that was renewed went from XXXX to over XXXX a month, I called them, they said I was covered, my mother who offered to help since the expense of having my used car was over XXXX dollars a month also called XXXX and they said everything was fine, she said I hope so for over XXXX a month, than she said I need to make sure it is faxed to Ally Financial, so she faxed it over. I deserve an explanation from both Financial and Insurance why it is my responsibility to pay for a stolen car and why all of a sudden I do not have the proper coverage, something is fraudulent and I am livid. Ally and XXXX should have communicated with me and each other, but all I heard was Crickets. So I need someone to explain how the insured was at fault for the torn-up vehicle when he was not driving and conclude that the insured was negligent. The liability should be sufficient in a stolen car situation because the insured was not the driver, and it was property crime was with uninsured motorist driver, apparently now in Maryland it is a Property crime.
|
| 11/04/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American, Servicemember |
|
This bank has been a problem from day one for me and ultimately I am intending to go somewhere else, but I am into this at this point and I need to get some things straightened out. I wanted to move an ira I have to this bank. They took multiple calls and about a month and a half just to get me the forms so I could fund this ira, admitting mistakes in that procedure. I got that sent in and by a week I got an email that they were going to close the account if it wasnt funded. I then tried to call and find out if they got the forms and what was going on. I have tried multiple, multiple times and either the time waits are too long or they transfer me and I get cut off or it has a long wait with myself not knowing how long that will be. At some point I have to move on. I also finally sent an email to ask for a call. They are not doing much in that area or are calling when I am not available. In fact I had to do one of these calls to the fedreserve complaint sytem and that is when they called so I missed that. WTH. Are they surveilling me so they can call when I cant answer? Also recently their system has started making it hard for me to access my account online. Now today I even get a message they need a phone number to text codes to me. I have no number for texting. They are causing me more and more problems. I want them put out of business as they obviously can not run any banking business properly. And like another bank I complained about with their ineptitude and problems they caused me I expect this bank to attack me.
|
| 07/09/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
Due to previous loss of income and a current reduction in hours due to covid 19, we have several late or missed payments. In an attempt to collect payment Ally Financial informed me that a payment was needed in order to keep a repossession from happening after I attempted to communicate with Ally for a few weeks to no avail as their computer system was being upgraded and they could not offer insight nor assistance into the account. When their system went live, they automatically requested payment on that date to avoid repossession. This payment was made within a few hours of the request and they stated that the vehicle would not be repossessed and it wasnt. However, I recently became aware that our credit reports show a repossession.
I feel that Ally acted in bad faith as I was not informed prior to or notified after payment that a repossession would be reported to the credit bureau since the vehicle was not repossessed and payment made upon request. Had I known that a repossession was going to be on my credit report I would have surrendered the vehicle at the time. I asked that this be removed from the credit report as being the purchaser I did act in good faith by maintaining contact with Ally and making the requested payment to avoid repossession. This request was denied. In addition, an extension was requested due to a reduction in hours due to the pandemic. This too was denied while the representative informed me that workers are working from home so departments are delayed with communicating with one another. _
|
| 01/12/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
I'm not going away!!!!!
I hope the CFPB will do its job and protect consumers like myself from Banks like Ally, XXXX XXXX, etc.
Please note that Ally still needs to acknowledge the breach of their promise made on XX/XX/XXXX ( placed me on the do not call list ) by calling me on XX/XX/XXXX.
Furthermore, I NEVER REQUESTED MY ACCOUNT BE CLOSED. To indicate so is deceitful ; your company closed my account because of your unprofessionalism and pettiness, nothing more.
PLEASE ALSO NOTE : Ally is being deceitful about offering flexibility in payment options.
I used to pay via ACH - I had 2-5 checks bounce from two banks due to financial hardship. I communicated my struggles. What was Ally 's response? " You have to have the bank fax us a letter confirming the accounts are open. '' HAVE XXXX XXXX FAX A LETTER lolololololol - impossible! I still tried and failed ; my only recourse after that was to pay via debit card ( late ). There is no logical reason to stop people from paying for their account via debit card if they are serious about past due balances.
Lastly, I am in the process of filing other complaints against Ally wherever and however I can. I don't have the money to sue, but I can complain and will continue to until my debt is erased because their refusal to work with me to resolve {$3000.00} is unjust.
PLEASE, CFPB, help the everyday American by holding these greedy corporations accountable. Why was my nearly XXXX credit score ruined by one unfortunate event ( engine failure ) and corporate insolence!!
|
| 09/23/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
Older American |
|
Re Ally Bank. Matured Prior to XXXX {$52000.00} CD a/c No XXXX Phone calls were made to Ally in early XXXX my for funds to be received in a timely manner.
Ally Bank have completely ignored my requests to send my funds. They created numerous ridiculous demands, such as, verification 's, needed to send my funds.
Sent many repeated, ( 30 to 40 ) faxes over approx. 3 months. They used bully tactics in not sending my funds in timely manner, thus causing unnecessary and induced stress.
Compensation request.
Loss of interest caused by Ally time lag. Could have invested the funds in timely manner and received approx 3 % to $ 4 % on my funds.
Many hours spent on the phone with Ally Bank.
On hold -Cut off- more verification over and over with different bank employees. No help at all received.
Wire transmission was agreed by Ally to be No Charge.
Penalty charge to be returned to me for all of the inappropriate runaround that tAlly have forced upon me.
They further forced me to create an online a/c when my money has been invested with them for years. More bully tactics, for time stalling wrongful illegitimate practices.
Ally Bank ( this week ) wrongfully renewed my CD, after I provided Ally many, numerous instructions to wire my money, without further delay to me. Ally proceeded wrongfully against my instructions, by investing my funds for a further year, till XX/XX/XXXX. Bad, bad state of affairs., after 3 months approx. of asking for my money to be sent to me..
As of today I have not received my funds XXXX XXXX.
|
| 08/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Problem after you declared or threatened to declare bankruptcy
|
|
Web |
|
|
I let this firm know that I was filing for XXXX XXXX then upon completing the Bankruptcy review with Attorney XXXX XXXX, I made one more attempt to work with creditors following my injury, especially given this is my first hardship after 22 years of perfect payment history.
Ally rep assured me to make 2 payments then I could start a modification. Upon calling them back they explained they essentially lied and would not honor that and began harassing me to make additional payment. Clearly this was fully dishonest, manipulative and fraudulent. I then filed a complaint with the CFPB of which I received notice that the merchant responded.
Unfortunately, then I just received another full demand and repossession notice. I fully expect the modification to be honored.
I sent them the complaint on XX/XX/2023. They did not respond at all. I then followed up XXXX complaining of this total lack of response and the hardship not using my car is putting on me while they continue to collect, lie and not respond. They responded the same day with the following : We have received your feedback about the account. Due to the nature of this request, we need to speak with you by phone. We will call you at ( XXXX ) XXXX within 48 hours.
There has been no outreach to me to begin the hardship modification. I can't believe this company allows this to remain unresolved and now I fear I'm going to be forced into bankruptcy by this one creditor when all of the others work with you so well.
Note : Contact me at my new phone number of XXXX
|
| 01/27/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I had a 36 month lease for a XXXX XXXX XXXX XXXX through Ally Bank.
At the end of the lease term, they came out and checked out the car for damage, mileage etc. In the end they sent me a bill for {$1900.00}. I agreed with {$850.00} of the charges and disputed the difference. This dispute took several months to resolve but in the end they agreed with me and my back up that was sent to them They were trying to charge me for color paint mismatch. I took my car after an accident to a XXXX authorized auto body to make sure I would not run into this type of issue. It was not my fault if their auto body messed up on paint matching. For the record- your could not tell there was any mismatch but that is besides the point. When they finally agreed with me, they sent me an invoice for the {$850.00} and I paid right when I received it. Since this incident I have been trying to secure credit on a rental property when my broker noticed that my credit score went down more than 100 points. I could not believe it. He advised me that it had to do with Ally Bank. They sent a derogatory report to the credit bureaus calling the reduction of the invoice a charge off. This situation is not due to a charge off. I filed a dispute with Ally Bank on XX/XX/XXXX and the situation has yet to be resolved. My interest rate if I should want to secure this loan now has increased by over 1.5 % which is astronomical. I would like to get this resolved ASAP but after calling over ten times nothing has moved or changed regarding my credit. I need help.
|
| 04/03/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
Ally was overly paid funds that exceeded the total asking price of {$24000.00}. I was involved in a car accident on XX/XX/XXXX. I was rear-ended by another vehicle which subsequently totaled my vehicle, XXXX XXXX XXXX, that was financed through Ally Financial which defrauded myself, the customer, by over charging excessive billing amount that were never agreed upon nor negotiated at time of contract. The XXXX dealership in XXXX took XXXX down payment from my trade in vehicle which automatically would be subtracted from the total agreed upon negotiated price of {$24000.00} leaving a balance of {$20000.00}. XXXX XXXX XXXX was the at fault insured driver insurance, which paid {$12000.00} to Ally Financial directly, leaving a balance of {$7500.00}. I also had GAP Insurance which covers any unpaid balance associated with the vehicle liability loss, which paid {$6400.00} to Ally Financial directly, leaving a balance of {$1000.00}. Also a service contract was paid t o Ally Financial for {$140.00} leaving a balance of {$940.00} I was told by Ally Financial representative that I paid a total of {$5600.00} from XX/XX/XXXX through XX/XX/XXXX/but only {$2600.00} will be applied towards the principal balance, resulting in an overpayment of $ XXXX/ {$1700.00}. I've reached out to Ally Financial on numerous occasions to rectify this matter and they have not resolved this issue at all. Instead Ally referred me back to XXXX and requested that I pay Ally Financial an additional amount of {$2900.00} to resolve the amount of the debt.
|
| 09/29/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I've requested to file XXXX separate grievances ( employees all say different things ) ; I've talked to supervisor, and he took abusive action : illegitimate and retaliatory financial withholding.
Employees blatantly lied to me about business practices and when I should receive my debit card.
I'm receiving discrimination from this company.
Currently the supervisor has locked me out of my account because I told him after all the negative experiences I don't want to bank with Ally and plan to utilize Chime or something instead. In retaliation he locked me from access to my accounts stating he couldn't verify my identity when I've jumped through every hoop created, answered every security question correctly ( I refused to verbally provide my full social because I'm in a domestic XXXX shelter around other people it would place undue risk on my information, but I did provide the last XXXX ) and have provided my government issued identification twice and have answered every former address related question, mother 's maiden name and every other question under the sun correctly.
I've wasted a significant amount of time on the phone lines trying to repair their errors with no compensation and no positive results.
I still not having access to my funds. Ally has gone above and beyond to create barriers, lie to me, and refuse me access to my own money.
These calls were all recorded. Please investigate this poor practice.
Sincerely, B.S., XXXX, Ph.D. in Human Services Canidate Please take this complaint seriously.
|
| 03/01/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I keep an online savings account with Ally bank. For more than a year now, I have had same-day transfers and I utilize the feature several times a month. For no reason in particular, Ally failed to make two XXXX transfers I requested and also a XXXX - show normally instantaneous - then also froze my account.
Ive called more than 5 times now.
I am a self-employed single parent who just XXXX my foot. I moved as well. I have a XXXX XXXX XXXX for whom I need access to this money so that I could childproof my new apartment, buy supplies and do any number of normal every day things when you move.
On my first initial phone call, representative advised me that I made a transfer to a closed account that I have. However, in reviewing the set up of my account myself, I see that there is currently only one option available for transfers and that is my active XXXX checking account. The same is true for XXXX - there is only ONE recipient available!
My experience as both an accounting professional and just an intelligent commonsense individual, it looks like their computer systems have malfunctioned, again.
Because of their mistake, they took away my same day transfer of cash and Im now stuck with my funds in limbo, having left their account but not yet in my checking with XXXX, which is now overdrawn by more than {$1000.00} across two accounts.
XXXX, whom I just spoke to in Loss Prevention claimed all supervisors were in a meeting so there was no one higher to help. This is a computer issue and she cant override it.
|
| 10/06/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I traded in my vehicle that was financed through Ally bank on XX/XX/XXXX.
I received a letter from Ally dated XX/XX/XXXX that I would be receiving my Gap refund directly from Ally within 60 days of the official payoff date which was XX/XX/XXXX.
I waited the 60 days and had not gotten the refund so I called Ally to find out where my check was. I was then advised that they had not received word that the Gap had been cancelled and I had to contact the dealer to do that. After months of trying to get help from the dealership, they finally sent the cancellation form to the Gap company. I still never received the refund.
Finally I called Ally again to make sure that the cancellation was sent to the right Gap company and they gave me the phone number to the Gap company. I called them and they told me that the Gap was cancelled on XX/XX/XXXX with an effective date of XX/XX/XXXX ( date of trade in ). I asked if they are supposed to send some kind of proof of cancellation to Ally to let them know its been canceled and he said no, they should have that information and that Gap refunds come from Ally.
I immediately called Ally back to let them know when it was cancelled and that they should send me the refund. I was told that the dealership would refund me. I told her the letter from Ally that I have in my hands says that Ally is who the refund will come from. I asked to speak with a manager and was put on hold and then disconnected.
They are holding my money, refusing to refund and giving me the run around. It was been
|
| 05/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Older American, Servicemember |
|
I have disputed the Ally bank info @ least once on all 3 reporting companies and obviously they all get the same info from Ally.this acct is from XXXX and should be removed. I have been told by XXXX it would age off XX/XX/XXXX, XXXX XX/XX/XXXX. However now Ally has changed acct closed dates to XX/XX/XXXX. I have been unable to secure an auto loan since this, even though I had a paid as agreed XXXX XXXX just paid off 2mos ago. I was told by XXXX mgrs they have never seen a closed auto loan be re opened ever much less 7 years.later. I can't get any help from credit agencies and don't understand their broken english. I'm not real savy with this but I hope you could investigate and fix.this. I have never filed a cplaint before but I am being mistreated here and if you look at all dates and documents I know you will understand what is going on. Please help, I have worked hard to fix things and now I get turned.down.for.everything. looking.to use my VA loan to buy a home, I'm a 40 % XXXX XXXX XXXX and I'm not asking for a favor just want this.to be fixed correctly. Also I'm sure last payment was in XXXX. I lost my job couldn't make payments and in XX/XX/XXXX I started getting my SSDA and soon after.my Veteran.Diability or this would never happened. That's why I think XXXX last payment.i just want to know when this will be removed as Ally bank is mad at my disputing but I know they have changed dates etc... Very sorry this is long but I'm very upset and can't get help and will this cover all 3 bureaus? Thanx, XXXX XXXX
|
| 01/02/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I purchased a XXXX XXXX XXXX in the amount of {$450.00} and I mailed it to the Ally Payment Processing Center for my XX/XX/XXXX car payment. Then later in XXXX I was contacted by Ally Financial informing me that I was late in making my XXXX payment, and that I am incurring daily late charges.
On XX/XX/XXXX, I called Ally four times to try and straighten this out, only to be repeatedly told by the customer service agent that my XXXX payment is delinquent and would I like to make that payment now? On one conversation I was put on hold and after 50 minutes with the agent not returning to the phone call I hung up and tried calling back again.
I am writing to dispute the false record of my being delinquent on my payments and to complain about the horrible customer service. A XXXX XXXX XXXX XXXX, no. XXXX was mailed to Ally on XX/XX/XXXX and the money order was cashed by Ally on XX/XX/XXXX. I have mailed a letter of complaint including a copy of the XXXX and XXXX money order payment receipts. I have also now paid to Ally another XXXX payment of {$160.00} which includes the XXXX payment plus interest. Starting with my first auto payment I have been paying extra money on the loan thus my XXXX payment was actually reduced to {$160.00}, but as stated earlier I had sent them {$450.00} on XX/XX/XXXX. I made this additional {$160.00} payment so that they do not report to the credit bureaus that I am delinquent. I have now paid Ally {$610.00} for the month of XXXX and as of XX/XX/XXXX another payment is due.
|
| 12/18/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
|
|
Web |
|
|
My husband selected the wrong amount to pay on the XXXX Card on the app. So he paid over {$11000.00} to XXXX Credit Card when only {$1100.00} was intended. Our checking account had {$5500.00} when the {$11000.00} payment went through. Instead of rejecting the ACH to XXXX, Ally Bank paid it. Now my bank account is -XXXX. We have a saving account with {$5300.00} at the same bank that is now on hold because of the negative balance in my checking account. And only will be released when the checking account is made whole.
I know I can request XXXX to return the extra money, but that can take up to 9 days according to their customer service department. I called Ally on XX/XX/2019 at XXXX to find out why in the world they paid for that ACH. I spoke with XXXX first, then to a person who said she was XXXX 's supervisor. I tried to get her to spell her name but all I could hear was the first three letters XXXX. The supervisor refused to spell her name again. She is also supposed to send me the policy via email and US mail that covers why that happened. So far, no email from this supervisor. This supervisor could not quote the policy of her bank for my situation. She also disconnected our conversation before I could answer the phone survey Ally Bank offers after every phone call.
I want to know why Ally put us in this situation. They have made it impossible for us to resolve this with our own money. Did they follow their policy? Or did they intend to loan us {$5700.00} with no payment schedule and no access to our money?
|
| 05/05/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Servicemember |
|
I have a loan with ally bank I had not received any statements for well over XXXX months so I entered a formal billing dispute and withheld payment following ucc and cfr laws I also notified a them and they say they never received my correspondence nor the remittance coupon for the remainder amount of XXXX. They didn't respond to either so following the law I had also notified them per ucc the no adverse action could be taken until the issue was resolved and since the check wasn't returned I waited in good faith believing they had accepted the check for value being that it wasn't returned nor was any notification sent to me about repossession. They did take the car and now say it's my fault. So so far I have filed a police report. And would like my property returned because the did receive my certified letter and were given the allotted time. But as far as I'm concerned I still have no resolution for my billing dispute and I followed the law. Yet they are in dishonor and the alloted time expired so according to law the balance should go to XXXX. But they say the laws don't pertain to them and went ahead with adverse action of repossession. And I would like my property back. I sent certified mail to ally with the formal billing dispute on XX/XX/2022 they received that and the XX/XX/XXXX and XXXX. And I claimed the remit coupon and was made out for the balance remaining. And received nothing and so as the law states I believed in good faith they accepted it since it wasn't returned or no statement to the contrary
|
| 09/05/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
Dear Consumer Financial Protection Bureau, CFPB AND 3 Credit Bureaus ( XXXX, XXXX, and XXXX ) : THIS LETTER IS TO DEMAND CORRECTION OF CREDIT REPORT AND DEMANDING IMMEDIATE CESSATION OF THEFT AND FRAUD ON ALLY AUTO FINANCE ACCOUNT FOR ( MY XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) ENHANCEMENT. I DO NOT OWE you, ally bank, {$270.00}, I HAVE MADE 14 TIMELY PAYMENTS ( OF 48 TOTAL PAYMENTS ) STARTING XX/XX/XXXX, XXXX-SATURDAY, TOTALLING {$11000.00}, AND THAT REQUIRES ACCURATE REPORTING TO ALL 3 CREDIT BUREAUS. XX/XX/XXXX ( FRIDAY ) PAYMENT WILL NOT BE PAID UNTIL CORRECTION BY ALLY AUTO FINANCE HAS TAKEN PLACE. IN ADDITION, ALLY AUTO FINANCE, MISS XXXX, IS NOT TO CONTACT ME EVER. I have included the payment history, and PAYMENTS HAVE BEEN FAITHFULLY AND TIMELY MADE WITHIN 10 days of the XX/XX/XXXX of each month since THE VERY BEGINNING ( initial purchase date of XX/XX/XXXX-Saturday ). THE ADVERSE INACCURATE CREDIT REPORTING ( IN ERROR ) IS AFFECTING MY CREDIT SCORE AND CREDIT WORTHINESS. EFFECTIVE IMMEDIATELY : REMOVE ALL DELINQUENCIES, LATE PAYMENTS, ETC., FROM ALL 3 CREDIT BUREAUS ( XXXX, XXXX, AND XXXX ) AND XXXX. XXXX IS REPORTING A CREDIT SCORE OF XXXX. This correspondence is to officially affirm to CEASE AND DESIST with any further communication effective immediately in accordance with " Fair Debt Collection Practices Act '' ( in 15 U.S.C. 1692 ). ALLY AUTO FINANCE YOU ARE IN VIOLATION OF 15 UNITED STATES CODE, U.S.C., 1692 AND YOU OWE ME {$1000.00} ALLY AUTO FINANCE. Sincerely and Respectfully, XXXX XXXX MD
|
| 09/09/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I found out my vehicle was up for repo while trying to make a payment and called to take care of it. I made arrangements with a supervisor in the collections department and we came to an agreement on how to take care of the balance. He explained that the payment must be made via XXXX XXXX or XXXX, but I was at work so could not go to a location, which I explained to him. He then told me that there was a way to send it via money gram through the internet, so I told him that I could get access to a computer at work and I would send it by XXXX in my time zone at the latest. He told me that was ok and said to just call his direct line the next morning with the details of the payment. They repossessed the vehicle anyway at approximately XXXX, even after the arrangements were set. Instead of admitting fault, they wanted more money. As if as soon as they found out I was able to pay they figured they would take it and try to get more money out of me. Once I learned the car was taken I called the same supervisor since he provided me his direct number and said that the arrangements we made were no good. When I asked him why they would come take it even after we made arrangements and after he knew that i was sending the payment that night. He told me EVERYONE says they 're going to send their payment, as if I never planned to send the payment. The thing is, the whole reason I found out that it was put in to repo status was because I was trying to pay a payment, which I made very clear to multiple people that I spoke with.
|
| 06/03/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
I XXXX XXXX XXXX an aggrieved man, contacted Ally financial months ago about setting up a payment extension on my auto loan. I fell ill and ended up and the hospital for XXXX . I had to take time off from work. I was not being paid which is why I fell behind on my payments for my auto loan. Not because I am trying to get out of my obligation. I advised Ally banks agent of this and was advise they could set up an extension for me.I even received written correspondence proving this. Yesterday I spoke with one of Ally 's agents and she advised me my account was not eligible for an extension which is not what I was told before via the phone nor in written correspondences. I would great appreciate if Ally would be sympathetic to someone who had XXXX and had to get XXXX for it and fell behind on his payments because of this. I advised the agents that I go back to work X/XX/2017 and will be able to make a payment on X/XX/17 . I was advised by the agent my vehicle would not be put in repossession status unless I miss the payment on the XXXX . Now I find out Ally is going to reposes my vehicle. Which will hinder me from getting back and forth to work to even attempt to make a payment. All I 'm asking is for Ally bank to stop being so evil and money hungry and work with me here. I am an honest man and just want to pay what I owe. I demand Ally do the honorable thing and act on good faith and give me some time. I do not appreciate being lied to by multiple agents acting on behalf of Ally financial.
|
| 01/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I financed an automobile through Ally Financial on XX/XX/2022. To date, the dealership has not been able to register the car under my name in the State of New Jersey since they do not seem to have the title. I have attempted repeatedly to contact the dealer, file a complaint with the NJ XXXX XXXX XXXX, & XXXX I have also filed a legal complaint and hired an attorney.
As far as Ally is concerned, I have also repeatedly called them and requested that they intervene given I am a customer of theirs who has not been treated fairly and they are technically supposed to have the title of the vehicle given its financed and represents collateral against the loan. They have given me conflicting information, their agents arent trained and knowledgeable at all on how to handle these types of situations. They have asked me to email to XXXX, which I have done to no avail. They keep telling me that their titles department has been attempting to contact the dealership and when I requested to find out what their escalation procedures are for cases like mine, agents are cluelessThey also clearly do not understand third party risk as in taking unwarranted risk of doing business with another party that doesnt treat its customers fairly and equitably. I have requested that they consider taking legal action or escalate the case on their end but they arent willing to or essentially able to given they keep receiving the monthly payment from me on the loan and absolutely indicate XXXX regard for what their customer is going through.
|
| 09/28/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
This letter is a follow up to my original letter regarding the inaccuracy in your credit reporting, regarding the entry being reported as Repossession and Charge-off.
Pursuant to the class action settlement agreement effective XX/XX/2021, you are mandated to remove the repossession/charge-off from my credit reports. However, I was informed by your executive department that the entire trade line will be removed. I do not authorize the entire trade line to be deleted from my credit reports. I had 1.9 years of on-time payment history which is accurate. I never had a late payment. I only authorize you to remove the unlawful repossession and charge-off status and leave my on-time payment history. I have a copy of my sales contract whereas both parties agreed to report my payment history to the consumer reporting agencies.
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and represents a very serious error in your reporting.
I am maintaining a careful record of my communications with you for purpose of filing a complaint with the Federal Trade Commission and the Attorney Generals office should you continue your non-compliance. Any other action ( or inaction ) on your behalf may result in a small claims action against your company.
Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
|
| 08/07/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
On XX/XX/XXXX-2017 I, a XXXX US citizen, attempted to take an auto loan through Ally Bank, using my husband, who is a XXXX XXXX XXXX, as my co-signer. I was approved, but d/t my prior bankruptcy my APR was high, but by combining my income with my husbands, I would be able to get a much more favorable APR. The dealership first said that Ally bank was requiring to see a copy of my husbands Social Security card, which I reluctantly submitted, confused because I was not required to submit mine. After that, the dealer then said Ally Bank was requiring my husband to submit his visa and work authorization card. Again, I hesitated, but sent a copy of his XXXX XXXX over. At this point I was getting angry, because in all my life I had never been required to submit my social security card for loan application. The dealer then said Ally bank was not going to accept the XXXX XXXX, and that the work authorization and visa was required.. Although we explained several times, that being a XXXX XXXX XXXX makes those other documents unnecessary. We refused to give any more info at that point, and were subsequently denied. My husband lives, works, pays taxes, and we raise our family here, just like everyone else. My understanding of the law is that its discrimination to demand certain documents from a person who is a minority, but not demand the same from a XXXX who is applying for the exact same thing. It was a degrading and humiliating experience, and I was sure in the moment that there must be a law preventing such treatment.
|
| 05/31/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I have my car financed thro ugh Ally Financial. Since XXXX of XXXX I have made a few payments late, but have always paid the " late fee '' in addition to a little extra. My car payment is due on the XXXX of every month, and this month, on the XXXX , I logged into my account to make a payment and saw {$62.00} worth of " additional charges ''. I immediately got on the phone and spoke to a customer servi ce rep. My questio n was, how is it that these " additional charges '' continue to increase every month? His response was that I make my payment late, and I should be happy with it because the total amount due was actually less than what my agreement reflects. I asked to speak to a supervisor who then informed me that late charges are n't applied until 15 days past the due date - mind you I was 5 days late at this point. We argued back and forth for a bout 30 minutes because what she was telling me made no sense whatsoever. She insisted that these additional charges were not late fees and I should be happy because the payment was still less than my loan agreement. I made the payment, including the additional charge " late fee '' of {$62.00} and included extra money. Today I log in to my account to make a payment, my due date is XXXX / XXXX / XXXX , and yet again I see I am being charged additional fees " late fee '' unreasonably. I do not know what to do with these people. I believe they are ripping me off for additional money every month and I already struggle with making what I owe. Please help me.
|
| 03/17/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
On XX/XX/XXXX I enrolled in the bonus program through Ally Bank. The program was if we deposit fresh {$50000.00} we get {$500.00} bonus or 1 %. I received an email that I was enrolled and that by XX/XX/XXXX I will receive the {$500.00} bonus. These are the dates and times I spoke by phone to agents at Ally Bank. One agent on XX/XX/XXXX, at XXXX and XX/XX/XXXX at XXXX confirmed that I was enrolled and qualified for the {$500.00} bonus and that I will receive it on XX/XX/XXXX. I never received the {$500.00} on XX/XX/XXXX, and as of today I never received it. I called again on XX/XX/XXXX at XXXX and spoke for almost an hour to an agent by the name of XXXX XXXX and she said that she is opening a case regarding it, and it will take 7 to 10 business days to receive the {$500.00}. Again, I never received the {$500.00}. I called again on XX/XX/XXXX, at XXXX, and again the following times : XX/XX/XXXX at XXXX, and on XX/XX/XXXX I called twice at XXXX, and again at XXXX. All those times the agents told me that they could see that there is a case open and that it has been escalated. The case number is : XXXX. In addition, I emailed them regarding the {$500.00} bonus on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The only response that I received was that I have a case # XXXX, and that it needs further review. As of today, I have not filed yet a complaint with the State of New York. I am aware that this is same issue as not getting the interest I was promised. I am asking you to help me resolve it. I greatly appreciate it.
|
| 05/13/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I set up an online Ally back account on XX/XX/19.
I attempted to deposit a check into the account on XX/XX/19.
I received an email stating that the check was missing info on the Pay To : line.
I resubmitted the check the same day.
I received an email on XX/XX/19 stating that : We weren't able to complete this Ally Bank eCheck DepositSM because of one of the following reasons : The check contains an alteration on the front of the check The check had been previously deposited at another institution The check is from a financial institution located outside of the U.S.
Please obtain a new check to scan and submit it as you normally would.
The next day I tried to access my account and was told it had been fraud locked.
I called the number provided XXXX and waited 45 mins on hold to speak to a Loss Prevention agent. He proceeded to tell me that I was trying to deposit a fake check and they would not be reopening my account. He stated there was nothing I could do and I had to wait until their investigation was over.
I waited a week with no response. I called back 3 different times and left messages with no response. I shut by direct deposit off as soon as I realized they were not going to reopen my account. By this time two {$100.00} deposits had been made into the account from my employer. They didn't reject these deposits even though the account was frozen.
I now have {$200.00} dollars sitting in a frozen account and the bank is flat refusing to allow me access to my money or even return my phone call.
|
| 06/01/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I had a vehicle loan with Ally Financial on my XXXX XXXX XXXX, started in XX/XX/XXXX. On XX/XX/XXXX, the loan was paid when I refinanced with a new bank. I was entitled to a gap insurance refund from Ally Financial. I made the request on XX/XX/XXXX to XXXX ( point of sale ). I never heard anything from Ally, so I contacted again XX/XX/XXXX. XXXX confirmed that Ally received the {$410.00} on XX/XX/XXXX. Ally advised on XX/XX/XXXX that the funds would be released in 30 days. I still never received anything from them. I contacted them back in the beginning of XXXX and was told that the check had been approved for release on XX/XX/XXXX but had not been mailed. I was advised the check was being mailed that day. I received the check on XX/XX/XXXX ( check # XXXX ) in the amount of {$410.00}, and deposited it via mobile deposit into my XXXX XXXX XXXX checking account. On XX/XX/XXXX I received a notice from my bank that the check was returned and that I would be assessed a {$12.00} return check fee. I contacted Ally again XX/XX/XXXX and was told the representative I had spoken with had put a stop payment on the check and requested a replacement ( I was told multiple times a new check would NOT be reissued ). I asked about the status of the replacement check and was told they could not tell me. Each time you call, it is atleast 30 minutes to an hour to reach someone and you must contact them during business hours, which is when I am also working. I just want the money that is already mutually agreed is owed to me.
|
| 12/30/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
On XXXX/XXXX/15, I reported a fraudulent charge of {$670.00} debited by XXXX XXXX to the disputes department of Ally bank. I went on to explain that I had not contacted XXXX to initiate the charge, had not signed up for automatic billing of any kind and do not have account with them. I was issued a provisional credit in that amount while the disputes department investigated the matter.
Nearly three months later, I received follow-up from the disputes department dated XXXX XXXX. The letter states that the charge " ... .was authorized and correct. '' Upon receipt I reached out to Ally to receive an explanation. To date, I have not been provided a definitive answer as to why this charge is considered valid. To add insult to injury, I received a letter dated XXXX XXXX from XXXX XXXX XXXX XXXX, XXXX, a collections agency, seeking payment in the amount of {$690.00} on behalf of their customer Ally Bank.
On XXXX, I reached out to Ally and requested to speak with a supervisor. The call was forwarded to XXXX XXXX. She confirmed that the I may submit documentation to disprove the merchant 's XXXX rebuttal to the initial dispute once I receive yet another letter in the mail ; however, I am not sure how long this process will take or what impact this will have on my credit since this matter has already been forwarded to a collections agency.
XXXX Resolution : I would like for Ally Bank to remove my account from collections and allow me the opportunity to properly resolve this matter by working with them and XXXX.
|
| 02/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
In XX/XX/XXXX I took a loan to buy a vehicle and in XXXX of the same year I had an accident and the car was lost after talking to the insurance company. I called the company to explain what had happened, at most companies what happens is they pause credit while you get insurance information, but here I didn't call them and they always gave me different information and even if I didn't have my vehicle if I had to make my car payments, in XXXX the company sent a check for the full value of what was owed, because the check had already been sent, so I called the company and told them I didn't want them to make a negative report. I called them on XX/XX/XXXX and what the person told me was that I did not have to pay that the check would arrive that same day and that from that day on I had 10 more days as the deadline for the check to arrive if on that day moment the check did not arrive there if I would have to pay the installments, then on XX/XX/XXXX the check arrived at their facilities and they cashed it the same day but on XX/XX/XXXX what they did was report to us My credit and that of my husband, since we were both in the loan, they affected my credit so much that it dropped more than XXXX points and I already filed a complaint but the answer they gave me has nothing to do with what I asked them what they said is that we spent more time knowing that they themselves told us that we had 10 more days to make the payment and that they were not going to report us and it is in a recorded call on XX/XX/XXXX XXXX
|
| 04/23/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
I recently closed on an Ally XXXX XXXX Mortgage for a Refinance. During that time, I had suffered damage from the XX/XX/2021 XXXX Storm in Texas.
I received a check from my insurance company, XXXX, in the amount of {$34000.00}, Check # XXXX for XXXX XXXX : XXXX. Due to Ally having no branches, I was unable to obtain endorsement.
On XX/XX/2021, XXXX XXXX XXXX Ally Closing Expert ) suggested that I could deposit the insurance check via mobile deposit meanwhile, I wait for the Authorization Form to be sent to XXXX However, he requested that I wait until the Authorization Form was completed and sent out.
On XX/XX/2021, I chatted with XXXX XXXX Ally Customer Service Representative ) and she stated I can deposit the check with no issue.
On XX/XX/2021 at approximately XXXX XXXX, I spoke with XXXX XXXX XXXX Ally Closing Expert ), who stated that the Authorization Form was awaiting the signature of XXXX XXXX XXXX Ally Post Closing Manager ) and that I can now deposit the insurance check.
Shortly thereafter, I deposited the insurance check via mobile deposit.
On XX/XX/2021, at approximately XXXX XXXX, I received an email, stating that Ally could not complete the deposit, Deposit Reference # XXXX. It cited the following reason : " We weren't able to complete this Ally eCheck Deposit because we require that you mail in travelers checks, money orders, and postal money orders. '' It then provided an address to mail a check.
The insurance check is not a travelers check, money order, or postal money order.
|
| 07/11/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I recently purchased a car from a dealership. I went with a preapproval letter from XXXX XXXX with the intent of getting a loan from that credit provider. At no point did I authorize any other bank to run a credit inquiry. I did authorize the dealership to run my credit once on XX/XX/17, because they told me that I had to in order to purchase the car. Unfortunately the car dealership proceeded to allow several banks to run my credit resulting in over a 60 point drop in my credit score. The dealership told me that it would only be counted as one hard inquiry since it was within 14 days, but XXXX stated that in fact is not the case. Nothing else has changed on my ( XXXX ) credit report since my credit pulled a little over a week ago. As I plan on purchasing a new house within the next year, I am unable to wait for all of these inquiries to fall off of my credit report. So far I have contacted XXXX XXXX who said that they would not be able to provide a letter for me to submit to the credit bureaus to have this inquiry removed. They stated that they got permission from the car dealership to run my credit and would not be able to assist me in removing this from my credit report. I did not authorize the car dealership to allow XXXX XXXX to run my credit. Other banks that have run my credit without my authorization include : Ally Financial inc, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX via XXXX XXXX, XXXX XXXX, and XXXX XXXX via XXXX XXXX XXXX.
|
| 02/02/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
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Web |
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XXXX XXXX XXXX XXXX, and Ally Financial Inc., have conspired together to compel me to pay a debt that I do not owe and violate public law. As a consumer credit transaction took place and XXXX XXXX XXXX XXXX, accepted my original promissory note as payment which gave it cash value then they attempted to assign said promissory note to Ally Financial InXXXX, without giving me a full disclosure of their intentions. Also after a very detailed study and review of the monetary system and the federal reserve system, I realised that my original promissory note was the original source of value which gave the credit in said consumer credit transaction. Being so I the consumer in said transaction owed no further obligation to said parties. Due to the lack of a full disclosure I sent a notice of rescission of any security interest given to XXXX XXXX XXXX XXXX. Therefore, Ally financial Inc., has no apparent authority to accept any assignment of security interest from XXXX XXXX XXXX XXXX, on my behalf as Ally Financial Inc., didnt provide any consideration to obtain the original promissory note. Any security interest given was done by misrepresentation, fraud and without a full disclosure. I have contacted both companies via certified mail in the form of a notarized affidavit under the penalty of perjury. Both companies have failed to properly respond to said affidavits and have also failed to take any necessary and appropriate action to reflect the termination of any security interest created under the transaction.
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| 01/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
Servicemember |
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I scheduled my XX/XX/XXXX payment on Ally Financial 's App portal to be deducted from my bank account on XX/XX/XXXX for {$660.00}. My bank notified my husband on XX/XX/XXXX stating that Ally financial tried to debit the account for the late fees plus payment due on the account for the month for {$3000.00} on XX/XX/XXXX 4 times in one day which caused {$120.00} in bank fees for insuffcient funds. Mine and my husbands account on XX/XX/XXXX had a total of XXXX to cover the car payment that we've consistently paid {$660.00} on or about the XXXX of each month for the car loan payment. The bank stated that Ally Bank resubmitted the same payment for {$3000.00} on XX/XX/XXXX, and XXXX one time each. We sustained a total of {$60.00} for insufficient funds fees. We processed an online portal to Ally Financial requesting to cease processing any amounts in excess of the {$660.00}. The response was to contact my bank to place a stop payment. After {$550.00} in nsf fees we placed another online payment and made a complaint with ally stating they caused my payment to fail and be late. On XX/XX/XXXX Ally financial reported a 30 day lateness on my credit file on XXXX. I want my credit report corrected and the 30 day late payment removed. This will hinder me from closing on my new home due to their computer breach and error.
On XX/XX/XXXX my husband spoke to Ally Financial Reps, XXXX, who submitted a ticket to remove late fees and XXXX, in customer service, who refused to submit a ticket to correct my credit report.
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| 05/30/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I received a letter of denial from XXXX XXXX for a vehicle I did not try to purchase. The requesting Auto dealership XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not on the internet with a valid phone #. My credit report was run by Ally Bank and was denied. The reporting Credit Bureaus were XXXX, XXXX, and something called XXXX XXXX XXXX. XXXX XXXX XXXX The difference on my credit was reported lower with XXXX by 200 points. I don't care about that but what I do care about is I never tried to buy a XX/XX/XXXXXXXX XXXX automobile. This report should never have been run.
Application Number w/ Ally Bank was XXXX reported on XX/XX/XXXX They gave a phone # on the letter to call XXXX but I was suspicious of this # so I looked Ally Bank up on the internet and called the XXXX number listed on the web. Of course they do not know anything about it and can not give me any info. They even said they did not have a complaint dept or fraud dept I could speak to ( is that even legal? ). They insisted I give them my DOB and SS # over the phone. I refused and ended the phone call. Also- I do not know who XXXX XXXX XXXX is but there are numerous complaints filed with the XXXX and disparaging remarks on the internet about this Credit Bureau . they list a phone # XXXX but it is also on the letter so I refuse to call it. This has got to be illegal and if it is, I want to know how to fixt this so I can keep them from running my credit report. I think Ally Bank and XXXX are committing fraudulent operations.
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| 10/24/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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Ally Auto received XXXX checks on XX/XX/2016 at XXXX and proof of XXXX delivery, which was signed for. XXXX check was {$17.00} and the other was {$32000.00}. The total amount was more than what was owed. I called on XX/XX/2016 when they were not posted and was told, it was not enough for the payoff and was told if I did n't make a payment of {$51.00}, they would not post the payments. I was also told it could take up to 10 days and would not be posted on the date they were received. When I was getting nowhere, I contacted my rep at the XXXX XXXX XXXX XXXX and she has called everyday since XX/XX/2016. She has never spoke to the same person and within those calls, did get a reference # XXXX. Ally Auto has confirmed they have the XXXX checks and keeps assuring her they will be posted within 24-48 hours and it has been escalated and that it takes time. It has been 7 days since the checks were received. This should not be happening and I have read other reviews on line about this happening to other people. Ally Auto has been called everyday, a few times a day to try to get this resolved and as of today, my auto loan is still showing a balance. The call today, my rep was able to speak to a supervisor, who told her they are working on and will be posted today. She also told her that we just need to have patience, that these things take time. This is unacceptable. As a bank, the check should have been posted the day it was received. I will NEVER go through Ally Auto/Bank again would like warn others who do.
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| 05/27/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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On XXXX XXXX, 2015 I was in an accident where my car was totaled by the other party. The insurance company as well as I have been requesting documents from Ally Financial to send so they are paid. I have called every other day since finding out that car was totaled and what was needed for the insurance company to issue payment. Ally has sent the documents twice with the wrong information which is baffling to me because I was on the phone when the Ally rep repeated the correct amount to the insurance agent. I, along with an insurance representative spoke to a representative for Ally on Tuesday, XXXX XXXX, 2015 and we were told that it could be another week before they receive the proper documents. This alone poses another problem because interest is accruing during this process and my Gap insurance ca n't payout until the insurance company pays and the insurance company ca n't pay until they receive the proper documents from Ally. This has been frustrating and very time consuming with the numerous calls that have been made and the wait times to speak with someone. In addition to the documents being delayed an insurance rep and myself spoke with an Ally representative on XXXX XXXX, 2015 who knowingly lied about faxing documents and saying they would be received within an hour. The Ally rep was caught in the lie when the insurance rep asked her to verify the information and she could n't. This has made me believe that Ally is n't interested in closing out this account and surely not in a timely manner.
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| 08/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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TO XXXX XXXX THE XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, I AM HOLDING YOU RESPONSIBLE FOR DAMAGES IN WHICH YOU HAVE CAUSE AND FOR VIOLATING MY RIGHTS FOR NOT REMOVING THESE FALSE INAACURATE INQURIES THAT HAVE BEEN PLACED ON MY CONSUMER CREDIT FILE BY YOUR COMPANY ... .15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ... ..I NEVER DID NO BUISNESS WITH YOUR COMPANY ... 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; REMEMBER MR.XXXX I GAVE YOU AN OPPURTUNITY TO REMOVE THIS FALSE INQUIRY AND YOU DECLINED ...
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| 02/08/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Traveler's check or cashier's check
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Web |
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I am an Ally Bank customer ( digital bank ). Since there are no physical locations, and I needed a cashier 's check to make my first payment for an apartment, I ordered a cashier 's check over the phone. When I began the process, the agent confirmed my account, including my address in Colorado. I have lived at this address for over 6 months, and I updated my address with Ally Bank at that time. Previously, I resided in XXXX, OK. After confirming my Colorado address, the agent finished the process of sending me the cashier 's check made out to the apartment complex, and I paid for expedited shipping because my move-in date was about 5 days away. The day before my move-in, when I had still not received my check, I called Ally and they gave me the tracking number. This revealed that they sent the check to XXXX, OK. The agents I spoke to that day confirmed that this was entirely their error. The address on file was the correct Colorado address ; however, their cashier check system is a separate system that was not updated on their end, and somehow even though I confirmed my address with the agent, she must have still used the Oklahoma address later on in the phone call without ever notifying me of the same. Ally is refusing to refund the money and is requiring a notarized affidavit from the payee who is not willing to do so. The loss of this check is 100 % Ally Bank 's negligence and fault as they have confirmed, yet the refuse to refund my account with the {$2600.00} they withdrew for the lost check.
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| 03/04/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I contacted the company in XX/XX/XXXX as the loan was acquired in XXXX of XXXX for payoff. At that time I was told that were assisting people with the pandemic and would be able to extend the loan for 4 months. That would have been in XXXX. In XX/XX/XXXX, I contacted them again only to find out the there was a remaining {$2600.00} on the loan. Of course during the financial hardship of a pandemic, I was unable to pay off the balance in full and continued to make payments. I made the last and final payment as instructed by a phone representative XX/XX/XXXX. I asked at that time if the {$220.00} in late fees could be waived since I was making the last payment and the account was never paid 30 days late. The representative advised that the late payments could not be waived, however they would not have a due date, they would not accrue interest and would just hold up the title transfer process. Due to the pandemic again, I could not afford to make any payments towards this accounts late fees. Just recently the amount has been sent to collections placed negatively on my credit report, and how someone now gained {$11.00} in unpaid principle. Which is now accruing interest. No one has been able to explain how the unpaid principal has occured, nor how and why this item is reported as a negative item on my credit report, when there was not a due date. My online account has nothing to explain this and the only thing I received was a demand for payment. I never received anything stating this amount was due.
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| 07/22/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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I am the financial power of attorney for my elderly father. I am appalled at how poorly this company handles legal documents. My power of attorney has been faxed to Ally financial 3 times. And they claimed to have lost it 3 times. My father had bought his granddaughter a used car. And she was paying the monthly note on the vehicle. The loan is through Ally financial. They would refuse to accept her payments over the phone and hang up on her. Even after being added as a authorized person ok n the account. When covid 19 started at the beginning of the year she received a letter from Ally that they could defer payment due to covid hardship. In Late XXXX she was laid off because of covid. She called them to ask for hardship assistance. They told her that they could not talk to her about the account and hung up on her. She tried many times to resolve this issue they denied her access to bill pay option. when she had money to pay them. And on XX/XX/2020 a unmarked tow truck with no info or dot numbering came and took her car. The tow people wear rude hostile refused to give a business card. They told us not to call the police until 15 mins after they left. Which sounded shady. Plus they didn't show any paperwork or documentation. I also learned that this company has been doing a lot of this and has a lot of lawsuits towards them during covid 19. Also besides the monthly statements we never received a certified letter. Just the one the is uploadedthat is dated XX/XX/XXXX. That we received on XX/XX/XXXX.
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| 07/01/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I recently purchased a used vehicle in XX/XX/2022. I was attempting to add a new bank account to my online account so that I could pay my XX/XX/2022 payment and the system told me that I could not because the bank account # and routing number had been disabled from a prior account. By way of background, my fiance had a prior account with the institution and my bank account and routing numbers were attached to that account. When that account was paid in full, for security reasons, I removed my bank account and routing number from that account. I called Ally on Tuesday to tell them I was having issues adding my Bank account and routing number so that I could make my XX/XX/2022 payment. They told me that they needed to get my Bank account and routing number enabled, given that it had been previously disabled and told me to try again today. I tried three times and it will not accept my bank account and routing numbers so I can make my payment. As of tomorrow, XXXX, I will charged a late charge. I called Ally back today ( XXXX ) and am being told it will take 3-5 business days to fix the problem. They told me several times that I can make a payment through their 3rd party service provided ; however, for security reasons I do not want to do that and there is also a {$3.00} fee to do so. I believe Ally is being difficult and that their practices border on being unfair, deceptive, and abusive. They refuse to take a payment from me, and they are preventing me from being able to make my auto loan payment.
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| 02/22/2017 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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A rep from Ally Financial told me she was going to set me up for a two-month hardship ( to months of not making payments ) since I was out on leave from work due to XXXX. This was in XXXX of 2016. In XXXX, 2016, while applying for a mortgage, my loan officer informed me that I was two payments late for a total of 80 days delinquent on my car loan.
I called Ally, and at first, they denied knowing any thing about a hardship agreement offered to me by their Rep. After arguing with Ally for 3 days it seemed, they finally admitted to having notes about our agreement for a hardship, but could not explain why I was not notified that It did not take effect. I have been charged {$860.00} in late fees since XXXX of 2016 and my XXXX statement says I still owe XXXX in past due late payments. Since XXXX, 2016, because of the mix-up, they have destroyed my credit, hitting me XXXX thirty day lates, and XXXX over sixty. Please help me ... they are out of control. There is another person on the internet who they did this exact same thing to. The attorneys answering the question on the blog all agreed that Ally is just workin people over for late fees. I paid my payment for this month. It was due the XXXX XXXX, but did not post till the XXXX. They already have me reported to the credit agencys. for a 30 day late???? I have the paper work to back all this up but cant send it all as attachments. Please email a physical address and I will be glad to sent all supporting data.
XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
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| 03/04/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
Servicemember |
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Ally Financial was the lender used to lease a vehicle from a XXXX dealership where I was told the car would be mine to own after 4 years. I got all the insurance and protection they made me get to protect against damage and I was told it was for maximum mileage. I was not show all the paperwork and the process was rushed along without answering all my questions. The I paid the lease off for the full term and ended up paying much more than what the car was worth! When I returned the vehicle I was told by the Dealer and the Bank that I did not have any more payments to be concerned with. I chased them down for months to try and get a copy of the lease, which they never sent me. after much discussion with the dealer they finally gave me a copy as they were withholding the facts to force me to buy another car, when I was initially told by them that the car would be mine after the lease term and that I would probably even get money back. Ally Bank really deceived me and now I find out that they are trying to charge me another XXXX dollars for a car that I already overpaid for! I do not owe them any money and this debt that they are reporting on my credit report is nothing more than an attempt to bully and extort me of for more money. I do not owe them anything, and the law states they are violating my rights to privacy by reporting this on my credit report. I am a XXXX XXXX injured during the war in XXXX. It is a shameful thing that they would be doing this to me, and they call themselves and Ally?
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| 01/19/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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I was impacted medically by XXXX in XXXX after exposure. Ally Auto informed on XXXX that our vehicle was being repossessed for being late on our payments. A payment was made on XXXX XXXX, XX/XX/XXXX for {$640.00} and a statement was received on XXXX XXXX, nowhere was it stated our vehicle would be repossessed.
I made a XXXX XXXX payment for {$1200.00} and scheduled a payment for {$1200.00} later this week XXXX. I asked for supervisor at XXXX EST on XXXX and they shared one would call me back in 3-4 hours and no one did. I called at XXXXXX/XX/XXXX. EST and spoke for 19 minutes to confirm the payment was received and they shared it was not processed yet. They stated a note was sent to the repossession team.
47 % of the balance is paid, I am impacted by Covid and need my vehicle for work and Ally states that customer service is separate from repossessions. Their on line system is inconsistent in accepting messages/images.
I have not had confirmation of my XXXX XXXX being posted, I have not had a call back from a supervisor and their on line system is not available at this time.
Ally is using suspect methods in both collections and also using fear as one of those methods which is totally inappropriate in this environment. They dont send written statements that reflect their intent and they fail to communicate in a timely manner.
This is concerning that Ally operates in this manner and uses these methods in collecting past due payments in a pandemic especially for someone who has been impacted.
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| 11/12/2019 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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the company Ally financial repossessed my car. They gave me a set number of days to pay of the overdue balance and get my car back. the total amount due was approx {$1200.00}.
i paid them {$750.00} and was to pay off the balance with them after they confirmed that i should pay the balance off the upcoming friday. they confirmed the vehicles location and that i could go get it then. they confirmed the car was at the tow yard.
on the repayment day, Ally through their towing company had already SOLD my car even when they asked me for the {$750.00} payment. the car had been sold few days into the repossession by the towing company at about 1/3 the fair market value rate.
ally is now demanding {$5600.00} even after all my deposit and monthly payments i had made for 2 and half years on the car. the loan total was {$11000.00}. the {$750.00} payment that i made they did not even include it in the final tally. they lied that the car was at the tow yard when in fact they had already sold the car for a throwaway price.
they sold my XXXX XXXX XXXX XXXX for 1/4 -1/3 the current fair market value at time of repossession.
these people stole my payment and used the tow company to sell the car cheap quickly to a friend for a low price then still demand XXXX $ from me and take me and my cosigner to collections. they are criminals why accept a payment after they had already sold the car and lie to me that the car was at the tow yard. they have then come up with this figure and reported it to my credit.
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| 02/07/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
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Web |
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I received a letter from ALLY Financial regarding an auto lease that I am currently in. They are threatening legal action on an account that is not behind in it 's payments. They are trying to collect " late '' fees that have been erroronously charged to my account because I pay my payments bi-monthly. I have spoken to them NUMEROUS times regarding the fees that they are charging me and each time I speak to them they assure me that they are going to reverse the fees, and they still have not. It 's been two years now. I have approximately XXXX payments left on my lease, and they have just sent a letter titled " Notice of Right to Cure Default '' threatening LEGAL action if I do n't pay the random amount of {$1300.00} they have noted on the letter. When I sign on to my on-line account with them this figure is n't listed anywhere, and also shows that my account is CURRENT in payments. This letter alos threatens that if I do not pay this random amount they have on this letter that I wo n't be able to continue my lease with them. Again, My lease will be complete XXXX XXXX. I spoke to an individual this morning by the name of XXXX that told me it 's " nothing personal '' and because of the state I live in they had to send the letter because my account was 60 days late????? Again, my account is NOT 60 days late, never has been and reflects that on my on-line account. This is just another example of predatory lenders that prey on individuals by charging inappropriate fees and lack in Customer Service.
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| 05/02/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
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Web |
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Our bank ( Ally Bank ) notified us of a transaction ( XXXX via debit card ) on XX/XX/XXXX in the amount of {$1500.00}, which was the result of our credit card number being stolen. On XX/XX/XXXX we immediately reported the fraud to our bank, which required us to wait until the transaction posted to actually file the claim.
We filed the claim, and was advised the timeframe to completion was 90 days. We were not given a credit during the time they were doing their review, so our family was out {$1500.00}, while XXXX and Ally were investigating.
Ultimately, XXXX and Ally came to the determination that the transaction was authorized ( even though it absolutely was not ). We have been in contact with XXXX who will not release information to us, and only the bank. Our bank is telling us XXXX will not issue a credit to our account.
Ultimately, this was an unauthorized transaction, and we should not be held accountable for fraud. I believe both XXXX and Ally are at fault here - due to XXXX falsly claiming this transaction as an authorized transaction, and Ally for not properly advocating for their consumer and not properly crediting our bank accounting for the unauthorized, fraudulent transaction.
I have attached notices sent to us by Ally related to this dispute. We have made multiple phone calls, and written inquiries to Ally- you may need to ask them for copies of those interactions. We have also asked for any and all evidence related to this claim, which they ( Ally ) has failed to supply.
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| 01/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
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Web |
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Ally Financial made an offer to it's customers to skip a payment in XX/XX/XXXX-XX/XX/XXXX. I know this is common, since my parents are often offered the same benefit through their credit union during this holiday period. My wife agreed to skip the payment, thinking it was a nice perk. Now we have discovered that Ally Financial has damaged our report, by reporting that the payment was simply never made!
We have contacted them and they are unwilling to acknowledge that they made this offer. We are certain, the same thing is happening to others. We want this fixed immediately, along with any subsequent effect to our credit reports. Some years ago, I was very, very sick and I called Ally who assured me I could skip a payment, but then they penalized me, and our credit suffered. After a XXXX and the sale of our home, we have been working VERY, VERY hard to improve our credit score, and this is an assault to that effort. Please help! Many years ago with our first home which was financed by GMAC. They did the same thing and it hit our credit as if we had simply ignored a payment rather than just taking advantage of an offer. We now have learned that GMAC and ALLY are the same company. We also believe they are reporting the old issue past 7 years. This is not coincidental. It is a practice to trap people into paying more and it gravely hurts our credit. This company is the only reason that my credit is not perfect. I know they do not report accurately and it surely must be harming many, many people.
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| 03/16/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I made a call to XXXX about unauthorized credit inquiries on my account. After speaking with Customer Service Rep, XXXX XXXX and then being transferred to Customer Service Supervisor, XXXX XXXX, I was told that there was nothing that they could do on their end without having a Letter of Dispute or Termination on Contract from the listed companies. When reaching out to the various companies they were unauthorized to run a credit check on my behalf, I was more or less told by 2 of the 5 company customer service reps that " Hard Inquiries '' fall off in 2 years and I am approaching that 2 year mark. Of course they worded it in better terms but nonetheless, this is disgraceful hearing from a company as they do not want to own up to their misuse of people 's information and as a result, the only solution that they offer is to " wait it out '' since the 2-year dismissal is approaching. These credit inquiries are affecting my XXXX and FICO scores now but these companies bank off of bad debt and do not want to remove them. The companies are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Ran unauthorized inquiry onXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Ran unauthorized inquiry on XX/XX/XXXXALLY FINANCIAL INC XXXX XXXX XXXX XXXX, MN XXXX Ran unauthorized inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Ran unauthorized inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Ran unauthorized inquiry on XX/XX/XXXX
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| 07/06/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
Older American |
|
Have been an Ally Bank customer for nine years, with checking and savings accounts in good standing.
-- - XX/XX/2022 : Received a postal letter from Ally, " RE : XXXX Notice of Account Closure '' dated XX/XX/2022, which states that my accounts will be closed " on or about XX/XX/2022. '' No reason given, other than referring me to the Deposit Agreement. There is nothing in the agreement other than they can close any account at any time for any reason.
-- - This sudden closure gives me only 5 days to change banks and transfer my funds. Note that their first class postal letter arrived EIGHT DAYS after they wrote it. If they had simply used their secure email messaging service, I would have had ample time to comply.
-- - XX/XX/2022 : I sent Ally a message via their website, requesting the reason for closure and pointing out the lack of sufficient time to change my bank. I pointed out that I had read the Deposit Agreement but was unable to find any more information about this closure.
-- - XX/XX/2022 : I applied to XXXX XXXX to open a new account, and await their review of my application.
-- - XX/XX/2022 : Via my XXXX account, I requested a cash transfer amounting to the total funds remaining in my Ally account. Such transfers have never been an issue, although it can take a few days for the funds to clear.
-- - XX/XX/2022 : Ally replied, but offered no explanation for the closure and simply referred me back to the Deposit Agreement ( I had already explained that I had read it ).
|
| 01/20/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
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Web |
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On XX/XX/XXXX, my vehicle was repossessed by Ally Bank, who is the lender on my car loan. The total amount due is {$1600.00} and {$730.00} in late fees totaling in {$2300.00}. After realizing my vehicle had been repossessed I contacted Ally Bank in attempt to pay my past due balance and redeem the vehicle, and obtain my personal items from the vehicle. I was transferred to the Redemption Department. The agent notified me that at that time, they have no information on the location of the vehicle at this time. The agent advised me to call back within two hours and they would have more information. Within the two hours I called back, after holding for 20 minutes an agent answered to take a message and someone would have to call me back within 24 hours. I requested information on the location of the vehicle in order to obtain my personal belongings, I was denied that information. I called back 3 more times. I was again asked for my information for a call back each time. After attempting to call for information over the duration of 10 hours, when I called back, I learned the redemption department was closed until Monday, which is two days away. I was never contacted ( 10 ) days prior to repossession of intent of repossession. I am being denied access to redeem the vehicle and denied the location of the vehicle in order to obtain my personal property. I believe I 'm being denied in order to accumulate more repossession and storage fees. They would n't even allow me to pay the past due balance.
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| 02/08/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
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Web |
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I am a victim of fraud and Identity theft. The dealership and agent ( XXXX XXXX XXXX XXXX XXXX ) who financed the loan took advantage of my Identity Theft issue putting me into a Predatory Loan, by falsifying documents and committed Bank fraud when my application was submitted. Violating 15 U.S. Code XXXX. Advertising of down payments and installments. No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount.
They sold my old vehicle which had equity and taking down payment cost. The agent sold my identity, put me into financial hardship, and pocketed some of the Down payment cost that should have went towards the value of the vehicle. The agent was later fired because of his unlawful practices. I tried talking to the bank and dealership about this situation but keep getting the " run-around ''.
Someone had supposed to had called me and discussed other repayment options, and never responded back. Instead, my car was put into repossession status, and charged off for the Original Loan Balance. it also appears non of the payments made towards the loan went towards my principal amount and the Original Loan balance still remains after making payments for nearly two years now, as I try to negotiate other options with the lender.
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| 07/01/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
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Web |
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The situation with Ally Auto began last year during covid. We were offered more than XXXX extension last year due to covid and none of them were honored. It became evident when it started showing up on our credit report. During communication with their customer service, we would repeatedly ask if our account was current and were reassured that we were only to find out later, usually beyond the 30 day past due mark, that it was not. This issue has been continuously ongoing for the past year. Our vehicle ended up in XXXX status in the month of XXXX. Ok, we will make arrangements to pay, catch up and clear our account so that it will not further damage our credit. We worked with a gentleman from their XXXX dept and were given the amounts we were to pay for our account to come out of XXXX status and become current. We made al the agreed upon payments, at the time we were scheduled to make them only to find out today, XX/XX/XXXX, that our account was not current in XXXX, XXXX and XXXX. I honestly think that it is a result of the covid extensions not being honored that has had a ripple effect to now because we have been making monthly payments to this company, in the full amount. I am tired of this company telling me something different every single time I call them. It is ruining our credit and the frustration at this point is inexplicable. No one will help me other than to keep pushing the notion that I am late. I need help and resolution because they are single handedly ruining our credit.
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| 05/18/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
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|
Lease of a XXXX XXXX.
Ally Bill in XXXX had the followng : Miscellaneous fee of {$760.00}, no explanation.
Dealership Responded : Thanks for sending that over. I just got off the phone with Ally. The correct documentation is in your account, so they are investigating exactly what happened.
The property tax charge of XXXX does seem to be in error.
Dealership Response : I wanted to let you know that Ally has made the correction on your account. The balance for property tax has been reduced to {$150.00}.
Payment of property tax does not reflect on your credit. If you decided to not pay the property tax during the lease, Ally will simply collect at the end of your lease for the three years combined.
I do apologize for the amount of time that it took to get this resolved. It had to go up many levels within Ally before official signed off on.
Complaint : I have requested that Ally provide the actual documentation from the XXXX County, Texas tax office billing me a property tax for my XXXX leased vehicle. This vehicle was purchased for personal use and the state of Texas does not charge property taxes on personal use vehicles.
I have not received any proof that this was a property tax bill by the Texas, XXXX County. Ally has not provided any legal document to confirm this tax bill.
Also, I requested an explanation on how they reduced the " suppose '' tax bill to {$150.00}. I have received no explanation.
I believe they are in violationof the " unfair, deceptive, abusive practices ''
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| 06/24/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
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Web |
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Ally Bank previously ran a promotional offer for a 1 % cash bonus if you funded new money into an Ally Bank savings account and kept it for a certain length of time. As an existing customer, I decided to take advantage of the offer, and I signed up for the promo and transferred $ XXXX in new money on XX/XX/XXXX. After reading the rules, I noticed the maximum I could get was a {$500.00} bonus on a $ XXXX deposit, so I withdrew $ XXXX from the account. According to the rules on the website ( https : //www.ally.com/content/dam/pdf/corporate/offercode/getpaid.pdf? XXXX ) as long as the " Net New Deposits '' were kept in the account till XXXX ( which they were ) I should receive {$500.00}. In fact, I made no other deposits or withdrawals with that savings account for 4 months so there would be no confusion. On XX/XX/XXXX I received a promo deposit of {$270.00}. This is not the correct amount and I'm not sure how they calculated it. I contacted Ally via phone shortly after to explain the error, but the rep didn't understand the rules and told me because I withdrew $ XXXX it reduced my bonus. Even if that were correct how did they calculate {$270.00}? I told her the promo website clearly states " Net New Deposits '', and my net new was $ XXXX but she dismissed my claim. I sent 4 additional messages to Ally via the website hoping to find someone that understood the rules and asked when I would receive the remaining balance due of {$230.00}. To date, the Ally Bank reps haven't fixed the error.
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| 09/20/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
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Web |
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I refinance my auto loan with XXXX XXXX in XXXX. Ally Financial whom was the original lender sent a letter dated XX/XX/2019 stating my loan had been paid off and my gap warranty was cancelled and i should receive a refund within 60 days. I called Ally Financial in XXXX around the XXXX and inquired on the refund and they stated that they needed to research and would call me back. The following day i received a call from Ally and the agent stated that they had contacted the dealership ( XXXX XXXX ) and were advised that the warranty had been canceled and i had already been reimbursed and I should contact the dealership directly. I told the agent I never received anything and if I had I would not be calling. I emailed XXXX XXXX who handles warranty cancellations for XXXX XXXX and explained the situation and attached a copy of the letter I received from Ally for her review. XXXX responded right away and stated she would forward the email to the Warranty cancellation clerk. On XX/XX/XXXX I emailed XXXX and inquired if she had any updates and she responded and stated she would follow up with the accountant and would get back with me in a few days. I never hear back from her. I followed up again on XX/XX/XXXX and XX/XX/XXXX with no response. On XX/XX/XXXX I followed up once more and stated I would be filing a complaint with the CFPB if I did not hear back. It is already XX/XX/XXXX I have not received a response nor a check for the gap cancellation. I don't know what else to do at this point.
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| 03/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
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Web |
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On XXXX, Ally Financial closed an account I had after a vehicle under my name was repossessed. On XX/XX/XXXX, I settled with a company called XXXX XXXX XXXX XXXX, and a payment was made. I got a letter from XXXX XXXX XXXX stating that my debt was satisfied and I took no further action.
On XX/XX/XXXX, I checked my credit and found that Ally Financial had not reported or updated the satisfied debt. My FICO credit score has been negatively impacted due to Ally Financial 's failure to report to the credit bureaus of the settled account.
On XX/XX/XXXX, I contacted Ally Financial credit department to attempt and resolve my issue of them not reporting to the credit bureaus. I was transferred several times and no one seem to have the answer or how to go about fixing the problem. The only solution Ally Financial offered was to submit a dispute that was estimated to take up to 45 days. Why should I have to wait longer to have Ally Financial report the update longer after they had approximately two billing cycles to report it. Ultimately, they kept transferring me to the debt collection agency about the situation. XXXX XXXX XXXX confirmed that I had a zero dollar ( {$0.00} ) balance owed and claimed that Ally was notified approximately in XXXX of XXXX.
Ally has not taken responsibility or actions to report to the credit bureaus after the account with them has been settled. Ally Financial has had plenty of time to report that their account was settled and my FICO score is paying the price.
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| 05/10/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
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|
Web |
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In XXXX 2016, Ally Financial was contacted by the Consumer regarding intentional delayed credit reporting. The Consumer discovered on XXXX/XXXX/2016 Ally Financial did fraudulently and knowingly falsify consumer credit reporting by using inaccurate balance data and the date of reporting to distort credit score increase in favor of Consumer ; Example : On XXXX/XXXX/2016 Ally Financial claims on XXXX Credit Report, the report submission date was XXXX/XXXX/2016 and the consumer auto balance was {$37000.00} which is false data for XXXX/XXXX/2016, thereby proof that 60 calendar days had elapsed as the Consumer 's balance fell to {$37000.00} as result of a XXXX/XXXX/2016 payment. From XXXX/XXXX/2016 to XXXX/XXXX/2016 Ally Financial did fraudulently, willfully, and knowingly falsify the Consumer 's XXXX Credit Report by reporting a balance of {$38000.00} ( did not happen until XXXX/XXXX/2016 ) and skipping altogether a balance of {$37000.00} ( which happened on XXXX/XXXX/2016 ). Ally Financial has intentionally used false/delayed credit reporting tactics repeatedly against the Consumer in order to intentionally mislead/depress credit score increases that occur naturally with aging of account life and decrease of balance. Further, the reasoning for the above-mentioned illegal credit reporting tactics by Ally Financial serves to delay credit score increases whereby the Consumer could either refinance the auto loan at a lower interest rate or change to another more reputable lender altogether.
|
| 08/11/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
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Ally Bank opened a fraudulent checking and savings account on XX/XX/XXXX. Ally Bank authorized these accounts without my consent. Ally Bank allowed an email address ( XXXX, XXXX ) to be used to open these accounts. Ally Bank did not message me nor provide any documentation letting me know of such. Ally Bank did not clear my fraud victim statements before opening these accounts either. Ally Bank sent a debit card to some other individual, after I didnt sign any application. I never received any documentation or cards for said accounts. Ally bank proceeded to allow charges and deposits to the accounts that do not match my employment past or present and do not match any merchants Ive ever visited. Ally Bank advised they closed these accounts for fraud on XX/XX/XXXX and then again Ally reopened the accounts and proceeded to charge over {$4700.00}. ally bank assumes I am responsible for fraudulent charges caused by an identity thief. Ally bank has not investigated this issue and instead stated they sent documentation to some person named XXXX XXXX not sure whom that is but it isnt me. Again, I have provided Ally Bank with an FTC identity theft affidavit. This affidavit is valid and Ally By law must investigate these accounts, or provide documentation proof I signed any documentation. I havent signed anything for this company and I do not owe the balance they fraudulently charged said accounts either. The account application was fraud and is fraud. Ally Bank needs to properly investigate.
|
| 06/05/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
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I, consumer XXXX XXXX entered into a consumer credit transaction on XX/XX/2015 in which had a finance charge with ALLY FINANCIAL. A finance charge is the sum of all charges pursuant to 15 USC 1605 ( a ) in Truth in Lending. I consumer XXXX XXXX is the original creditor. I am owed double the finance charge in which is $ XXXXAmount financed was on my behalf and shown on the exhibit pursuant to 18 USC 8. I put a down payment of {$4000.00} in which is illegal with a finance charge in any consumer credit transaction. I sold security interest to ALLY FINANCIAL Pursuant to 15 USC 1602 ( g ). According to 15 USC 1635 I, consumer XXXX XXXX had a right of rescission, and disclosures forms were not provided to me during this credit sale by ALLY FINANCIAL. This alleged contract is fraud and null and void. ALLY FINANCIAL is criminally liable pursuant to 15 USC 1611, & has civil liability pursuant 15 USC 1640 for these actions committed against me. ALLY FINANCIAL has threatened to take illegal action that can not be legally taken pursuant to 15 USC 1692e ( 4 ). ALLY FINANCIAL has also violated the Fair Debt Collection Practicing Act. Every month ALLY FINANCIAL states I owe a debt that was already paid and that is illegal according to my consumer rights. This account is fraud and I do not owe a balance. I'm instructing that all prior payment made on this account to be returned by sending a check in the mail according to 15 USC 1692h There is no contract with myself and ALLY FINANCIAL, IT IS FRAUD.
|
| 04/08/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Servicemember |
|
When I bought this car it was priced at {$9900.00}. I had to apply for an auto loan with Ally Financial. At this time they added GAP coverage to the loan for an additional {$2300.00}. the car came out to {$12000.00}. I put down {$4000.00} cash. which should of brought my car to {$8000.00} as the actual financing price. 3 months into my loan i learned the real value of my car and decided to cancel GAP insurance. {$2000.00} was refunded back to my Ally financial loan. With this activity alone, my loan balance should be below {$5700.00}. I FINANCED MY CAR XX/XX/2018. I have made over {$4500.00} in payments. YET MY BALANCE on my car is over {$6000.00}. ALLY financial is keeping every payment and adding it towards " Interest ''. All these payments, cash down, refund of gap insurance should have my balance close to {$1200.00}!!! PLEASE HELP ME AND DEMAND THEY STOP THIS AT ONCE. For 3 years I have been making payments. But my balance keeps going up instead of down. PLEASE HELP ME!!!!! Than they repossessed my car and charged me {$1200.00} to get it back. {$800.00} toward 4 arrear payments ( DUE TO COVID-19 ) and {$400.00} in fees. Out of the {$800.00} payment only {$550.00} went to the the car and Ally kept {$280.00} for additional fees, Plusss the {$400.00} IN FEES this is {$700.00} in fees and only {$500.00} went towards my arrears. PLEASE STOP THEM! I have all the paper work on this car from the day I bought it. To show proof of the sale price and money down! plus gap insurance receipt.
|
| 01/18/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
Older American |
|
I returned my leased XXXX. XXXX to the dealer 1 day before the lease expired. The car was in perfect condition inside and out with only XXXX miles. It received a minor fender bender ( dent ) in the left rear fender which I had repaired. It was a excellent repair job and the only repair on the car. Several days after I returned it I received a bill from Ally Financial ( the lessor ) for a charge of {$580.00} for excessive wear. They claimed I owed ; {$120.00} for previous repair, front bumper previous repair {$140.00}, right fender dented {$160.00}, and fender left {$110.00} grind M?. All of these charges are completely false as the car was in pristine condition and no other repairs had ever been made and there were no other dents that I was aware of. This padding of the bill is just plain fraud in my opinion and these people should not be able to get away with it. I could expect to pay for a simple inspection charge but to lie about this " excessive damage '' is a complete fabrication. They even claimed that the car was dirty inside when it was immaculate. I called the dealer to complain but he was no help and I called Ally Financial and registered a complaint with them and they even called me back, but they said they would get back to me and that is where we left it. Of course, in their statement they said how pleased they were to have my business but if I did n't pay promptly they would report me to the credit reporting agency if I " fail to fulfill the terms of the obligation ''.
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| 09/28/2023 |
Yes |
- Credit card
- Store credit card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
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Web |
|
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I am responding to ally credit cards response dated XXXX Back in XXXX i did make a couple of purchases from XXXX and use my ally credit card to make the purchase. After that my account was hacked and closed by XXXX which i sent that over showing to you. XXXX had given me credits for the merchandise that i purchased. When i got my statement there were other charges that i did not recoganize and i reached out to XXXX they infestaged closed my account out cause it was hacked. I have called ally severall times to report this and each time time the ignorant people i spoke to keep giving me dispuites insted of fraud. Listen and listen to me good for the last time i did not make the XXXX charges that are currently on this bill those charges are fraud. There were two sets of charges the other were refunded cause i sent the merchandise back. After that my XXXX account was hacked and these other charges are fraud not mine. Im sick of arguing with the ignorant people at ally credit card. What is wrong with you. I am reoprting this to the attorney general general of the state of ohio and the XXXX I have also spoken with an attorney and will sue you if need be or if you try and report this to my credit buro. Again im telling you these charges are fraud. Remove them from my account i sent documtation from XXXX showing that my account was hacked. This is ridicilous. I had sent the screen shots to show that the charges i made were sent back to XXXX. As proff. The rest of the bill is fraud fix it
|
| 03/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I leased an XXXX XXXX XXXX through Ally Auto that was due back in XX/XX/XXXX. Prior to having to return the car, a tree fell and damaged the vehicle. I worked with my insurance company to repair the vehicle.
In the meantime, while I waited for the repairs to be completed and for XXXX XXXX to ship a back ordered part to the mechanic, I extended my lease from XXXX to XXXX, then XXXX, and then until XX/XX/XXXX, until I returned the vehicle on XX/XX/XXXX.
There was confusion on behalf of Ally regarding my extension from XXXX until XXXX, but after speaking with XXXX XXXX XXXX, she confirmed that I would have an extension from XXXX XXXX XXXX like I originally requested and I would pay the {$530.00} for the monthly lease. I received the documents and immediately signed and turned them over in 11 minutes on XX/XX/XXXX. A bill was then sent to me dated XX/XX/XXXX.
Subsequently, I was informed that Ally submitted information to the Credit Bureau that I was 60 days late on paying the bill and also charged her a late fee in addition to the monthly lease amount for XXXX XXXX XXXX
Ive tried to reach Ally multiple times, Ive sent them letters and Ive called only to be disconnected. No one is providing any sort of assistance.
I was never late making any payments. The information reported on my credit is false. Ive not received any assistance from them to properly finalize the end of my lease. Ive had the worst service with them and would never use them for any financial services again.
|
| 06/23/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
The following disputes were opened on my Ally Checking account ( ending in XXXX ) : I submitted a transaction dispute on XXXX for a ACH of {$550.00} ( XX/XX/22 ). The case number for this dispute is XXXX.
I submitted a transaction dispute on XXXX for a ACH of {$1500.00} ( XX/XX/22 ). The case number for this dispute is XXXX.
I submitted a transaction dispute on XXXX for a ACH of {$1000.00} ( XX/XX/22 ). The case number for this dispute is XXXX.
I submitted a transaction dispute on XXXX for a ACH of {$2400.00} ( XX/XX/22 ). The case number for this dispute is XXXX.
I submitted a transaction dispute on XXXX for a ACH of {$2500.00} ( XX/XX/22 ). The case number for this dispute is XXXX.
Each dispute was opened as fraud has been committed by the money service business, XXXX, received my funds but against their terms of services did not make the funds available for my withdrawal at any time and have locked my funds. The merchant, XXXX, is now unresponsive and shutting their company down on XX/XX/22. I have no means to reverse my money out via ACH or any other means by the merchant, despite advertising their services in such a way where I could. I asked Ally Bank to investigate this fraud but instead of doing a thorough investigation they closed each of the disputes above and asked me to deal with the merchant directly. As this is a case of fraud, I am requesting Ally Bank to dispute these transactions with the merchant and resolve the case so that I can receive my money back.
|
| 02/22/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I sold my house in XXXX XXXX GA on XX/XX/XXXX and I had two separate wires done. One to my closing attorney in XXXX, Fl and the other to my checking account at Ally Bank. On the XXXX, I had to pay off my debt with XXXX and pay for a good use car, as well as other minor expenses. However when I met the movers at my condo in XXXX the next day. I couldnt use my debit card to pay, when I called Ally they said since it was a new account I only could have a {$500.00} spending limit for 90 days?! And they suggested to me that I could send the money by XXXX, when I tried to send the funds to my mother who had an account at XXXX. They locked my account and when I called they told me that I couldnt send funds to another bank. They were the ones that suggested it in the first place. They have restricted my access and are supposedly investigating it. I am locked out of my account for almost a week and every time I tried to call for an update they give me a different time on when I should know something and Im fed up with this. This is my money and I havent done anything wrong. If I dont pay my movers soon Im going to loose everything including priceless heirloom pieces. I dont know who to turn to for help. I need access to my funds so I can live my life and take my funds away from Ally Bank. Please help me resolve this! I havent done anything wrong. It would of been a week since XX/XX/XXXX since this has happened and banks are not supposed to hold money hostage for this long. Please help me!
|
| 01/13/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I have a checking account with Ally Bank and noticed on XX/XX/XXXX a pending transaction of {$2300.00} had been added to my account. As soon as I noticed the charge I immediately called Ally Bank to stop the charge because I did not have anything to do with the transaction as it was for buying a used car in another state. Even though the charge was pending Ally refused to stop the payment. Additionally, they said they needed to let the charge go through in order to initiate a dispute on the transaction. They assured me on the call that the transaction would be reversed as they agreed it was a scam. On XX/XX/XXXX the transaction posted, and I disputed it as explained by the representative. It took a week to get the credit applied to my account. Fast forward to XX/XX/XXXX almost 3 months after the incident, and I receive a notice stating that they have reversed my credit and have the supporting documentation they need from the merchant. As soon as the funds were reversed I reached back out to Ally to figure out what evidence they had regarding the fact that I authorized the transaction. To this date I still have not received those documents. I have proof I was not in the state the transaction occurred on the date it occurred. The fact it took so long and they have been unwilling to provide evidence leads me to believe they ran out of time and didnt actually investigate the transaction. Additionally, they should have stopped the transaction as requested prior to go it going through.
|
| 08/30/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Ally Bank seems to have halted the ability to receive instant transfers. a wealth of apps use these transfers, like XXXX, XXXX, XXXX XXXX, and many more. instant transfers are generally performed at a premium, with a 1 to 3 % charge for making the transfer.
I have talked about this with Ally Bank already. they made a change to their debit card control system that has caused a delay in instant transfers. This happened in XXXX. I received an email from Ally Bank about the issue on XX/XX/XXXX XXXX however, Ally Bank updated their deposit agreement after that and we were not notified of this change.
instant transfers are now no longer instant. they are processed in a batch at the end of the day, meaning people are paying a premium for instant transfers that does not happen. that Ally Bank updated their deposit agreement to reflect this, without notifying customers, is very problematic and I believe also illegal. well I understand that whatever issue they're having with their systems is responsible for this, I am receiving mixed messages as to whether this is a permanent change or something they are attempting to correct. some agents have told me that they'd simply no longer do these transfers.
either way this is extremely disruptive and leading to me not being able to access my money or receive my deposits as expected. I am also XXXX. I do rely on instant transfers as I do some work as an independent contractor. I am low income and this is disruptive to my financial stability.
|
| 08/04/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
There was an auto loan where the payments got behind after the loss of income, and the finance company Ally ( XXXX XXXX ) was to close the account refelecting the bankruptcy. However, they are still trying to collect illegally from me by reporting an active and open account with the creddit bureau. Everytime I disputed this issue they came back and stated the account is open and has a balance, but will not report the facts that it was chaged off and closed. In addition, they reported to the federal courts that they would be removing the accont from its portfolio and pipeline where the informationwould not harm me from restablishing my credit. I currently, have XXXX auto loans with XXXX and are aid ontie, and because of the fraudulent reporting it reflects that i have XXXX auto loans which is not factual.
Ally has a group of people such as XXXX, and another person who do not understand request to speak to managers and supervisors i was transferred from XXXX to XXXX where the experience was very horrible and this group is a recovery team when theres nothing to recover. I am seeking relief and support from the company, also restitution for the improper reporting which has prevented the movement of federal clearance. The account is charged off, and vehicle was sold less than the requested reaffirmation agreement that was submitted to Ally by me to have a supporting repayment pan, they paid an attorney XXXX to keep me from paying the restructed affirmation plan as it was requested.
|
| 11/19/2019 |
Yes |
- Vehicle loan or lease
- Title loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
For the past 14 months prior to XX/XX/2019, I consistently paid my Ally auto insurance on time to increase my credit score, usually paying more than the monthly amount. In XX/XX/2019 I thought that my payment had already been made. I didn't realize that the payment didn't go through until I noticed a 30 late mark on my credit score. The balance owed wasn't a full month due to the previous months over payment covering a portion of what was owed for the month. This was exactly 3 days after the 30 day mark. I immediately called Ally and made a payment of {$1000.00} immediately which is over 2 months worth of payments, I also filed a reconsideration request for the 30 day late mark in hopes they would remove this in good faith. In my reconsideration I offered to pay a fee to have this removed or even pay the entire balance off incase this was an incentive to have this removed from my credit. After over a month and several calls with various customer service reps I was finally denied by a customer service rep and still have never been allowed to speak with anyone that makes the decision in this entire process. I was not late due to lack of funds which I can prove with bank statements, it was a simple mistake that I need reviewed as the drop in my score has now made me ineligible to secure a home loan. This lender is notorious for ignoring consumer requests like this and reading on numerous consumer reports, they typically ignore requests unless letters are sent directly to the CEO.
|
| 04/09/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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Ally bank claims that we missed 2 back to back car payments. We have bank statements proving the money was taken out of our account by the due date. They claimed it had been reversed but no where in our statement was the money returned. They claim that in their system we only missed the month of XXXX. 4 different months were reported on 3 different credit reports as being late payments. Our car payment is {$340.00} a month, sometimes we are charged that, sometimes we are charged {$100.00} more. The first time I called to get this resolved the woman stated that they had a glitch in their system and our payment was now late for XXXX. We set up auto withdraw payments 3 times and they had been working. She was very rude and refused to let me speak to someone higher. She said she would investigate the issue. My husband made me an authorized user as well. That was Friday, today is Monday. I just called and the woman that answered said that the entire system was down and she couldnt access any accounts, she said to try again in 2 hours. I called back 10 minutes later and tried to speak with another woman who said I wasnt an authorized user on the account ( she had no issue accessing the account ). Next, we tried to log into our online account and they have it locked. Not only are they charging us sometimes {$100.00} extra a month, but they are falsely reporting to the credit bureaus. We are trying to buy a house and no one will approve a loan with 2 back to back missed car payments.
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| 02/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by ALLY FINANCIAL on XX/XX/2022. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act, as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed by myself, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 15 U.S. Code 1681j, there should be no charge for this report.
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| 08/20/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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Beginning in XXXX, Ally Bank XXXX XXXX XXXX, XXXX, TX XXXX is taking an exorbitant amount of time to post payments to this account and claiming they did not receive the payment in time and then charging {$35.00} late fees.
XXXX XXXX was due XX/XX/XXXX. Payment was debited from by XXXX XXXX checking Account via XXXX on XX/XX/XXXX and posted to the Ally Bank account on XX/XX/XXXX. 11 days after the payment left my bank account.
XXXX XXXX was due XX/XX/XXXX. Payment was debited from my XXXX XXXX checking account via XXXX on XX/XX/XXXX and posted to the Ally Bank account on XX/XX/XXXX. 3 days prior to my due date, yet I was still charged a late fee on XX/XX/XXXX.
XXXX XXXX was due XX/XX/XXXX. Payment was debited from my XXXX XXXX checking account via XXXX on XX/XX/XXXX and posted to the Ally Bank account on XX/XX/XXXX. 12 days after the payment left my bank account.
I have called and escalated this issue with a supervisor there and the only thing they can tell me is to use their AutoPay system to make the payment. They say their postal service is horrible at delivering their mail. Not my problem, why I am being penalized when my payment is leaving my account 5 days early to insure they get their payment within the guidelines they gave XXXX XXXX ( see statement on the proof of payments ). I purposely use my bank 's bill pay system to keep all my bills in one place and utilize this with many other companies and don't have any issues with them getting payments on time.
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| 12/13/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
Servicemember |
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Good day Ally Bank and CFPB, Ever since XX/XX/ it appears I have been block by Ally Bank allowing me to access the website. I have tried even after today to access the webpage of my account. It appears to me that the people that work for ally from home could be doing something unfair. I called on XX/XX/ to get my password changed. I was transferred two times and referred four, including audimatted transferred calls. I was and am give the same password that does not seem to work for me. It is the temporary password that encompasses the first letter of my last name, the last 4 digits of my SSN and three exclamation marks. This is too easy for a bank to give as a temporary and verbally as password. Other banks send you link that has a filling for the new password. These Ally people either want you to get password verbally from sneaky working at home banking staff who know it as they tell you the temporary password or the send me atleast a link that needs a password to get to the password assist page. Someone's running a scam that has staff knowing what customers are using to acres their accounts. You should not have to have a bank person working from home tell you a private temporary password. Or maybe they give minorities the same passwrd and others a different one each time. The staff could access the page before you. Its a joke to minority 's and veterans. I need good two step private access to my Ally acount and password change without bank personnel knowing it before me.
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| 09/14/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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On XX/XX/2020 I called Ally Auto to request a loan modification to lower payments due to a loss of hours and revenue due to the Pandemic. Upon calling Ally the representative I spoke with said there was nothing in the records that showed I requested a loan modification in XX/XX/2020. I then asked to speak with someone else possibly a manager and they gave me a number to a different department to call. I hung up and called the other department and spoke with some who said they located the loan modification request and I asked why it was never honored by Ally? The rep told me that I never paid the {$68.00} to have the loan modified, I have never paid to have a loan modified before and now they are requesting a full payment for an extension.
I asked the rep can we apply for a new loan modification nothing has changed in circumstances since XX/XX/2020 when I applied for the first loan modification and the rep said that I was denied. We attempted again and still a denial but I never received a reason for denial and the rep did not tell me why as he could not see the reason why on his end. The series of questions that are asked and the answers I gave makes us qualified for the loan modification but they refuse to offer it with no reason why.
I feel that Ally is not truly willing to work with us and that will allow us to pay and keep a good standing with the organization. The continuous denials for modification during a troubled time and I need help dealing with this company.
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| 05/26/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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On XX/XX/XXXX, we we reached out to about available XXXX XXXX tickets from XXXX ( the id of the account ) on XXXX. This user informed us that she had tickets available that she would not be able to use and just wanted to get what she paid. We paid {$900.00} for the tickets as indicated in the transfer request. I am including a copy of the transfer request as documentation.
Here are the key details from the Transfer request in clear text : To : XXXX XXXX at XXXX From : Interest Checking - XXXX Sent : Thursday, XX/XX/XXXX Deposited : Thursday, XX/XX/XXXX Speed : Within minutes Reason : 3 XXXX XXXX XXXX Payment ID : XXXX After the payment went through XXXX asked for a screenshot of the transaction which we sent to her. Further XXXX noted that her partner would verify that he received the payment and she would transfer the 3 tickets to my XXXX account. XXXX then said her partner was working and would let us know when off. Later that night we were informed her partner was working a double shift and she would get it all sorted out in the morning. XXXX continued delay tactics and we sent a request for a refund of the {$900.00} which remains un-fulfilled.
Ally portion : On XX/XX/XXXX around XXXX XXXX XXXX contacted Ally bank and raised a dispute for this fraudulent {$900.00} charge. XXXX asked for a provisional credit while the dispute was in process and was informed that any provisional amount would only be credited after investigation. The investigation id at Ally is XXXX.
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| 10/21/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
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Web |
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Ally is continously refusing to send me my payoff documents, my lease payoff amount and my payment history..
It has been close to 5 months and this is the 5th complaint ( possibly the 6th ) I have filed in a week on Ally.
They sent the same woman to call me twice, and she just hangs up on me when I tell her to stop calling me and send me my documents.
I am awaiting signing a retainer with an attorney to file a legal suit against ALLY for refusing to send me these documents and engaging in fraud and decpetive business practices.
I have read hundreds of online complaints about ALLY doing this to thousands of consumers. This is their actual business model, to extort money fraudulently from consumers for no reason at all, when the consumer is TRYING TO PURCHASE THE CAR AND GET AWAY FROM ALLY This is costing me {$500.00} a month in garage fees, {$300.00} a month in car insurance and {$580.00} a month in the lease payment for a total of {$1400.00} OUT OF POCKET EVERY SINGLE MONTH THAT I DO NOT LEGALLY HAVE TO PAY IF ALLY FOLLOWED THE LAW.
{$1400.00} x 7 ( total ) months that ALLY has been refusing to send me documents = {$9800.00} so far in unnecessary payments out of my pocket, countless hours lost of wages at {$1200.00} a day trying to force this corporation to abide by the laws. They refuse. The losses and damages in this case will be in excess of {$100000.00} at this point due to how severely Ally has harmed me, my corporation, and impacted my ability to survive.
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| 06/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
Older American |
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We financed a vehicle through Ally Bank for our son. Our son totalled this car in XXXX and had stop paying insurance on the car. After we filed a Gap claim, as well as paid off the remaining loan of {$17000.00}. We were supposedly getting a measly claim settlement from the gap insurance company, but even though I told them I had paid off the car in full, they mailed the payment to Ally, XXXX XXXX XXXX sent the check to them without letting me know they were doing so, or I would have sent them a copy of the title so they could mail to me directly. I knew it would take forever to get this money, but had no idea how bad it was going to get.
When I called Ally bank they said I will get a check for the Gap balance in 60 days. I explained repeatedly this was not regarding the balance for the Gap insurance, this was a claim and they already were in posession of my money and had to send to me. I was told the same message by email and by phone over and over. Finally, one day two checks arrived.
When I tried to deposit it them my credit union ( XXXX ) rejected both checks saying one was not from a real bank and the other was a duplicate check. I went to my other bank, XXXX XXXX, and after a few days they said Ally returned the check for the Gap Balance because it was a duplicate. When I called they said I would get a new check sent, but none was ever sent. Now they say it was a duplicate and they only owed me one check. They recieved 2 checks for the loan but only sent me one.
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| 01/11/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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Vehicle was in a motor vehicle crash on XXXX, it was deemed a total loss on XX/XX/XXXX. XXXX reached out to Ally for a guarantee payoff amount. On XX/XX/XXXX, I was on the phone with Ally Financial Services and XXXX to obtain the payoff amount. Ally said on a recorded line that they were having technical difficulties and it would be there in 5 business days. On XXXX I called XXXX and Ally Financial Services failed to submit the payoff amount. On XXXX, I called Ally Financial Services and was told that it was faxed at XXXX XXXX on XX/XX/XXXX to XXXX though XXXX did not have it. On XXXX XXXX called Ally Financial Services while I was on the line and they transferred us to Total Loss which then hung up and said it was the end of the day. On XX/XX/XXXX XXXX called Ally Financial Services again while I was on the line and said it was not faxed on XX/XX/XXXX and would need to be done again. The Ally Financial Services rep said it should be there by XX/XX/XXXX and said shes sorry for the inconvenience. At this point, I am paying out of pocket for a rental because Ally Financial Services failed to complete their end of this. XXXX has also asked Ally Financial Services for a verbal payoff amount and Ally refused to provide this on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I asked to speak to a supervisor and was denied. I called Ally myself on XX/XX/XXXX and was again denied to speak to a supervisor. Ally has far exceeded the promised date of 5 business days to complete this task.
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| 12/21/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
Older American, Servicemember |
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XXXX XXXX XXXX email XXXXXXXXXXXX I am writing to these person to get my mother 's check from the settlement with Ally. She was promised XXXX in a letter and no one deposited the money in her autoloan, mother sent the next payment minus the XXXX promised and this company kept on charging her late fees every month to the point she is soooo behind. I helped her fill out a form on XXXX or XXXX, we have a copy and they were ( ally ) supposed to give her that money in her loan. Anyway, she is still paying an exhorbitant amount in interest more than anyone can go to pay for a car loan, this has ruined her credit, making her unable to refinance her home and affected her emothionally. When we complain, they threaten us that will impact our credit more and more. Where is the money, they promised us? They gave us a number XXXX XXXX XXXX and it says that in a recording you got all the money left for you guys to use at the CFPB which may be mom 's too.
Anyway, she is concerned about the credit and the money. She wants the credit information revised to show the XXXX in XXXX 2015 when she was DUE that money and that would have made a lot of difference, she has paid the loan over already if you take into account the late fees, and the interest rate. She does not speak XXXX as her tongue. I am from XXXX. We can not even refinance it due to the impact of the ally fees into the " lateness '' of the payments because of that supposedly money will help people like us. We use the car to work
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| 07/27/2022 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Banking errors
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Web |
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Ally Bank sent me an email for a promotional bonus if I opened a checking or savings account and set up direct deposit. The account had to be opened by XX/XX/XXXX, direct deposit had to be set up by XX/XX/XXXX and the promotional offer of a {$250.00} bonus was to be deposited in the account if it remained in good standing on or by XX/XX/XXXX. I followed all rules of the promotion and still have not received the bonus I was promised. I have called the bank several times over the last several weeks with no resolution. They continue to tell me they have escalated my request and someone will get back to me. I called the bank on XX/XX/XXXX at XXXX XXXX CT, XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX Each time I spent over an hour on the phone with the bank. On XX/XX/XXXX my call was escalated all the way up to a supervisor. Her name was XXXX. She escalated my case ( # XXXX ) to the executive customer relations team. She stated this was the highest level it could be escalated to and that someone would reach out to me in 0-2 business days. It is now XX/XX/XXXX XXXX XXXX and I am speaking to XXXX again because they have not called or attempted to reach me by email. Again, they said they will escalate my request and someone will get back to me in 7-10 business days. This is not acceptable. They continue to try to ignore the issue by telling me they will get back to me, but nobody has. They are attempting to not pay the bonus that was promised. This is false advertisement.
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| 11/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Ally 's customer service is terrible. In XX/XX/XXXX, I was charged with late fees because they started randomly charging me sales tax. After much miscommunication back and forth, I finally found out that I was charged because I moved to Massachusetts although I was fully charged for NJ sales tax when I purchased the vehicle. I never received communication from Ally to explain this change. My account has always been on automatic payments, so the total amount was being deducted but because the taxes weren't being deducted, it was reported to the credit bureau. I spent hours on the phone and was told this would be rectified and it never was.
This year, I chose to defer payments for 90 days on the site due to Covid. I set this up in the month of XXXX. In XXXX, Ally reported my account past due 30 days. How is that possible??
Here are the payments I made : XX/XX/XXXX One-Time Payment Completed {$1200.00} XX/XX/XXXX One-Time Payment Completed {$650.00} XX/XX/XXXX One-Time Payment Completed {$650.00} XX/XX/XXXX One-Time Payment Completed {$650.00} Then on XX/XX/XXXX the payment showed completed. On XXXX XXXX the payment showed returned and my credit report was hit again! Why did it take so long to hit my bank?? Why didn't Ally make a simple call or send a text message. Why is the communication of this huge institution so awful. This is completely unacceptable!!! My credit report is terrible all because of Ally!!!! I am totally disgusted. The reps are not helpful at all.
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| 12/06/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
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Web |
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On XX/XX/2016 we went in to look at new vehicles. When we found the one we wanted, we explained that if they could not find financing within the 1st bank hit on our credit and within the correct finance charges we were willing to pay, that we would return the following day with our own financing once our bank opened the following morning. When we went into the financing office, they notified us they hit our credit score 3 times. I was furious! We decided to just go ahead with it. When we were about to sign off on the car, we noticed the interest rate was XXXX points higher than we had agreed to pay. We thanked them for their time, and were about to walk out when they had to adjust the selling price to get us approved by the bank at the lower interest rate. The next day I checked my credit report and noticed they had XXXX hard hits on my credit. I contacted the dealership and they said there was nothing they could do that sometimes their computer just keeps searching until it finds a bank to finance it. None of this is what we originally agreed upon. I had financing I could 've received from my bank the following day during bank hours but with it being the end of the month, I think the dealership was trying to hurry to close the deal and searched anywhere they could that late at night to get the deal done. I need these hard inquiries taken off of my record, because I never authorized them to go through XXXX of the XXXX banks, I only authorized them to go through XXXX
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| 05/16/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
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Web |
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My account was compromised and someone began making fraudulent transactions on my account. I received a phone call from the fraud department letting me know that fraudulent transactions were taking place. My debit card was cancelled and a new one was sent out. I called to ask whether the thief took my debit card number or had hacked my account, I was told it was the debit card and a new card would solve the problem. Fraudulent transactions continued. New debit card was canceled and this time, the representative claimed the thief had taken my account number. I set up a new checking and savings account over the phone with a manager. As I was setting up the new account, my account was actively being hacked by the thief. I was also told that this person ordered a new debit card to his address and changed all of the contact information on my account somehow. This second account was then hacked as well, despite there being no way the thief could have taken this new information. My account has been frozen off and on for approximately a month and two weeks now, and most of my money has been stolen. I have not had access to my money for such a long time, my bills are piling up and Ally won't answer the phone. I have never received a debit card or checks to my new account and have never had online access either. Now I am trying to close my accounts and receive a check with what remains of my balance, but Ally is refusing to return my money and refusing to close the accounts.
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| 03/02/2016 |
Yes |
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- Incorrect information on credit report
- Account status
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Web |
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I have a vehicle that was written off on my credit report in XX/XX/XXXX after it became delinquent in XX/XX/XXXX. It was financed/purchased XX/XX/XXXX.I called on XXXX/XXXX/XXXX to ask for an application to file lost title on the vehicle, as I have done on numerous occasions, since the finance company has indicated numerous times that they do not have a title for the car. Instead of sending me the application agreed upon they immediately went back and added the charge off again to my credit report as of XXXX/XXXX/XXXX. I just realized then that they have been re reporting the charge off every year. at least since XX/XX/XXXX that I can see on reports that I have. This charge off should be falling off my credit report next year, and they have resubmitted it, so that it will show for another 7 yrs. I want this charge off date to be put back to the original XX/XX/XXXX charge off date, as the information reported XXXX/XXXX/XXXX is very inaccurate. You can see from the attached XXXX and XXXX reportings on my credit report that Ally is reporting that I financed the car in XX/XX/XXXX and it was reported as delinquent in XX/XX/XXXX. I bought the car brand new in XX/XX/XXXX for about {$15000.00} at {$320.00} mo. I only had about 4 months left to pay on it when I could n't afford to pay, and it actually became delinquent in XX/XX/XXXX. So it is being mis-reported every year, and only because I called to try to get a title, which I still have not been successful in getting.
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| 01/10/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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I hope this message finds you well. I am writing to express my concern and submit a complaint to ALLY FINANCIAL regarding the improper use of my credit report and the reporting of inaccurate information on my file. I previously sent a letter to your office requesting an investigation into certain unverifiable accounts. Despite your assurance of conducting a proper investigation, upon reviewing my credit report, I discovered that inaccurate information persists. The discrepancies include but are not limited to, the date opened, date of last activity, date reported, account status, and payment history. It is disheartening to note that such inaccuracies continue to be reflected in my credit report, despite the initial request for investigation. I believe this situation infringes upon my rights as outlined in 15 U.S.C 1681 section 602 A, which emphasizes my right to privacy. Additionally, 15 U.S.C 1681 section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions. I kindly request a thorough review of my case and the prompt correction of the inaccuracies in my credit report. Your cooperation in resolving this matter is highly appreciated. I trust that, as a XXXX credit reporting agency, ALLY FINANCIAL will take the necessary steps to rectify this situation and ensure the accuracy of the information in my credit file. I have attached an FTC report with the report number XXXX to support this complaint.
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| 12/05/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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My personal checking account with Ally Bank has been active with no issues for the past 1-2 years. The account is typically used for online purchases and bill pay. I recently started a business and was seeking funding from a XXXXXXXX XXXX since I was nearly out of money to keep working on the business. After making a deal with the XXXX we signed the contract and they deposited $ XXXX XXXX to my Ally Bank checking account. Ally Bank then froze my account and their customer service could not answer questions because the fraud department only worked during banking hours. I called and spoke with the fraud department many times requesting information on why my account was frozen. I eventually was told that " maybe '' it was because they wondered what the company name listed on the wire transfer was ( it was the name of the company I'm starting ). I asked them for an email address to send documentation and then sent all company documentation and agreement with the XXXX, to XXXX. I never heard back and the fraud department still says someone will contact me. I have a business checking account that I need to transfer these funds into ( and I have bills that need to be paid with my existing balance in the account ). In the meantime, the XXXX is upset with me because the cloud services are getting shut down or throttled due to non-payment and I am unable to keep working. Ally still refuses to provide any information or guidance on how much longer they must keep my funds.
|
| 04/16/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
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Web |
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In XX/XX/2019 my niece XXXX XXXX, got into an accident without insurance and totaled her 2010 XXXX XXXX, a vehicle that had a loan on it from Ally Financial-XXXX. At the time she did not have insurance coverage on the vehicle and it was totaled in the accident and it is a loss. I contacted Ally, as i am a cosigner on the auto loan # XXXX. XXXX XXXX, a Csr of Ally Financial told me that if i made a payment of {$920.00}, the loan would no longer be past due and Ally would work with me to make monthly payments on the loan to pay it off. Since then, i have been told that the loan is being discharged and sent to collections even thought the loan balance is current and I have tried to make XXXX 's monthly payment. Based on my experience and legal consultation, Ally should have forced placed insurance coverage or required XXXX XXXX- Co-owner, to have insurance on the vehicle as XXXX XXXX had a past history of lapsing her insurance coverage. Neither myself nor XXXX have received any letters or calls from Ally informing us of such action. We should have been contacted and insurance should have been required or placed on the vehicle to protect the collateral in case XXXX did not have appropriate coverage. I am looking into legal consultation for this as I do not feel responsible for the loss of this vehicle as Ally should have taken the appropriate steps to have coverage on the vehicle or Ally needs to work with me to come up with a solution that satisfies all parties.
|
| 04/12/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with additional add-on products or services purchased with the loan
|
|
Web |
Older American, Servicemember |
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On XX/XX/XXXX we purchased a XXXX XXXX XXXX XXXX XXXX from XXXX of XXXX XXXX, FL. I live in XXXX, GA and saw the vehicle on their website. They did a Face Time to show me the vehicle and because I couldnt see everything up close, I asked them if there was any body damage or dents, and if the headlights were clear. They assured me that there were no dents or body damage, and that the headlights were not cloudy. In fact, the salesman said they had someone clean the headlights. When I received the vehicle, this is what was wrong with the $ XXXX vehicle I had just purchased : 1. Body damage in the amount of {$750.00} 2. Headlights were not clear ( part of the {$750.00} ) 3. The 2 rear tires had a XXXX manufacture date and were dry rot and worn and had to be replaced - {$650.00} 4. Replace Battery in the key fob - {$8.00} Further, when I realized that the vehicle didnt have a sun roof, they quoted me a price of {$850.00} to install a sun roof. They charged me {$1300.00}. I have called repeatedly and left messages for the manager to call me and havent heard anything. XXXX XXXX XXXX XXXX engages in deceptive practices and took advantage of me as a senior citizen and XXXX veteran. I have invoices to show that I paid for the body damage, 2 Tires and a battery for the key fob. I feel the difference in the price of the sunroof should not have been added into the loan and that the cost of the body damage and tires should have been deducted from the price of the vehicle.
|
| 12/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, I purchased a vehicle from XXXX XXXX XXXX, XXXX XXXX NC. At which time, I traded a XXXX XXXX XXXX XXXX XXXX which was financed with Ally Financial. When the dealership was process was processing the payoff, they used an incorrect payoff address for Ally Financial.
For approximately 2 months, I received debt collection calls from Ally Financial. the first representative I spoke to with ALLY Financial informed me to have the dealership, XXXX XXXX, provide me with a statement on company letterhead regarding what happened ( see attached ). I promptly visited the dealership and was provided with the letter of explanation. I asked the same representative if I should pay the loan to give more time and keep the loan out of default and was told no. The reasoning was that any over payment would likely be sent back to the dealership, XXXX XXXX, and not refunded to me. Following Ally 's advice, I did not make the payment. Ally assured me there would be no negative action on my credit.
Subsequently, I have filed numerous disputes to all of the credit bureaus without a positive outcome. Ally takes pride with letting customer know that " calls are recorded '' so I asked for transcripts of the calls on multiple occasions. All requests were either denied outright, customer service representative ( CSR ) stating they had no access or CSR submitted a request that have all been denied.
The result has been paying higher interest on loans and or loan denials.
|
| 06/30/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
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The story began when the guy a the XXXX dealership in XXXX sold me an extended warranty agreement without discussing any details for a much higher amount than prevalent in the market. This I found out the day after I was practically tricked into buying the warrant. I mean tricked because they did not even inform me that for the first 90 days and XXXX miles of the car are already covered. Now they are giving me credit but without adjusting the sales tax of {$160.00} and although Ally ( Financial Group of XXXX XXXX has sent me the revised repayment document, when the bank that I work with ( XXXX ) approached them for refinancing, they are claiming that their records will not be updated until another 10 days. This is also the date when my first installment is due. I believe the are planning to either charge me penalty for nonpayment or induce me to stay with them for the loan. The whole deal was crooked with the XXXX salesman promising to reimburse me for a second key if they could not find the duplicate and then later backing out saying they did not make enough money on the deal. They should have thought of that when they made the promise.
I strongly request an urgent review of this matter so that I can proceed with my refinancing and not be liable for any penalty or other charges by Ally.
I also request a review of the sales collection and refund procedures of Ally so that other innocent customers who do not fully understand these matters are not cheated.
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| 03/27/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem making or receiving payments
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|
Web |
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I tried to send {$1000.00} USD using XXXX. The process expected that I be able to reply " YES '' to a text that I received. I was unable to do so, at the time, so I tried again, later, once I had access to my phone. When I did, I was locked out my account. It said I needed to call the bank to get the temporary hold removed. When I called the bank, I went through multiple identity verification steps, including text messages to my account phone and emails to my account email, along with personal information including digits of my SSN. After ALL of my identify verification was provided, I was told that I was suspected of suspicious activity and that my account would need to be " investigated '' before I had access to my funds. Upon calling back, I was told that an investigation may take 30 days. This was the first indication I was given - at all - that I was suspected of suspicious activity and after multiple requests I was told that I had no recourse at all. I simply had to wait for an investigation that may take an entire month. In the mean time, I have been immediately cut off from my bank account and all of my funds. And they were explicit with me that I had no other recourse but to wait for a call from an investigator. After calling back, I was able to escalate to a supervisor, but I was only able to leave a message with them and haven't received any indication from the bank that an investigation has begun, nor that a supervisor will be returning my call.
|
| 09/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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Ally Auto reported me tot he credit bureau inadvertently. I did not receive any information of a balance due from Ally. We have recently moved our mailing address and notified Ally of the address change. Nevertheless, they kept sending mail to the old address, which has been forwarded to me by the post office. We even received checks from them of reimbursement of leased vehicles which we had credit due to us, but nothing about a balance due. Ally could have contacted us by phone or by my email ( which hasn't changed for three years ), but decided arbitrarily to report the balance due to the credit bureaus for 90 days! The worst is that I was only made aware of the outstanding balance because the lender of my new house informed me when pulling my credit report. Please note I have excellent payment history with Ally, never missed a due date, since 2019 when my company started during business with them. They even had access to automatic account withdraw for their payments. By Ally reporting me to the credit bureau as delinquent my credit score was affected. THis is unacceptable especially at a moment my wife and I are closing on our new home and this situation has dramatically damaged my credit score while applying for a loan. I contacted Ally as explained the situation and paid the balance due the same day I was informed of the issue. I called back and they verified I had paid the full amount but the supervisor wasn't helpful to remove the derogatory remarks.
|
| 02/02/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
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Web |
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Hello, I would like to submit a compliant against Ally Bank XXXX XXXX XXXX. I purchased a XXXX Jeeo from XXXX on XXXX XXXX, XXXX TN in XXXX of 2016. The dealership chose Ally Bank XXXX for my lender. Two weeks later my jeep was struck by a combine and ruled total loss by XXXX. Weeks after going back and forth with Ally and XXXX on who was responsible for sending what documents. I requested all documents be sent to me and I disperse. XXXX has sent everything I asked for. Ally has not. They refuse to send my letter of guarantee so XXXX can payoff my account. My insurance agent emails and calls every week and so have I. We both have numerous emails requesting the letter. Meanwhile Ally is charging my account interest. I 'm also out another down pymt and rental car fees. They refuse to let me talk to a supervisor or give me an email to a supervisor and their website does n't have enough information. A customer service rep confirmed today they are not answering calls within the United States. They are in the XXXX answering calls for the company. Today, I contacted a lawyer but he said until they give me a letter of charges there is n't anything he can do but write letters. So, I wrote letters today. I contacted the dealership and warned them of using this company as it 's a big negative for them for future customers. All I need is my letter of guarantee to resolve this matter. If you can please help me so I can pay off my account it would be greatly appreciated.
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| 05/21/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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On XX/XX/XXXX, My vehicle was illegally repossessed from my private residence. The Tow company that entered my property illegally with their truck damaged my fence and broke the lock off the gate where my XXXX XXXXXXXX XXXX XXXX was parked. The tow truck driver offered no information in regards to where my vehicle was going. I asked the driver for credentials and his company information and he verbally attacked me with profanity. On XX/XX/XXXX I called the lending company ALLY BANK. And they informed me that they did not send anyone to reposees my vehicle and that there records showed that I am still in possession of vehicle and that they are in the process of repossession and that there records show I still was in possession of my car. I explained to them that a tow truck picked up my vehicle from my residence and said they were sent by Ally. I am incredibly confused by this whole situation. I kept trying to call Ally from XXXX XXXX XX/XX/XXXX and was offered no information. Then on XX/XX/XXXX I received a notice of lien and sale from XXXX and the information was EMPHATICALLY FALSE AND UNTRUE. I'VE TRIED CONTACTING THE THE TOW COMPANY LISTED AND HAVE GOTTEN NO ANSWER TO MY CALLS. I FEEL LIKE I AM RHE VICTIM OF A SCAM AND I DONT KNOW WHERE TO TURN. IN ADDITION TO THIS ILLEGAL REPOSSESSION MY PERSONAL PROPERTY THAT WAS IN MY VEHICLE AT THE TIME IS NOWHERE TO BE FOUND AND THEY WERE IMPORTANT AND SENSITIVE ELECTRONICS WITH ALL MY PERSONAL INFORMATION ON THEM.
|
| 03/28/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
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|
There is a charge on my account that I disputed. The charge was for XXXX XXXX courthouse. They advised me how to fill out a warrant in debt but they advised me incorrectly. The judge dismissed the case due to the paperwork not being filled in correctly. I found out later that the clerks office was not supposed to assist people due to problems like this occurring. I requested a refund and they advised me that they were not able to process refunds that they were not capable. I then advised them that I would be filing a dispute on my credit card. I called ollo card and explained all this to them. The opened a case. Several weeks later I receive a letter in the mail requesting more information and the letter was not a pre filled question and answer form. It wanted me to ask the questions to myself l and answer them. It was vague and I called to complain. I spoke with a supervisor his id number is # XXXX. He advised me that it was NOT many that I fill the dispute out that it was just in case the merchant responded. He advised me that the case has been opened and that they did not respond as of date. I thanked him and requested to complain about this letter that I received.several days later I received yet another letter that this case has been dismissed. I called up today to file a complaint about this entire mess the case number for the original charge is XXXX. They now refuse to reopen the case without a letter from me even though it was dismissed incorrectly
|
| 09/10/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
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|
During XX/XX/XXXX-XX/XX/XXXX, my personal information was compromised. Ally financial attached an account on my credit report that is in collection and this is a fraudulent account. Ally is alleging that I made payments on said vehicle for a period of time which is a lie wherever the payments came from it was not me. They have no payment history showing I ever paid anything and I had XXXX bank account with no transactions to Ally financial. At any rate, they are claiming there is a balance due. I do not know what this balance is for. I never received any correspondence in reference to said vehicle. I have no idea where it is. This needs to be deleted from my credit report immediately as I am attempting to correct the wrongdoing. I spoke to Ally customer service who told me they have red flags in place for this type of thing. I was asked to fax over a police report and filing with the FTC which I did. I do not know why they are telling false stories and making up payment histories. They can not provide any documents in regards to this. If this were my account, I would have an idea of where the car is, what happened to it. I would like to know their method of verification. They need to delete this from my credit immediately as it is having a negative affect. I am desperately attempting to repair my life after such a stressful ordeal. Ally is flat out lying. There were never payments made by me. I have heard they have done this to other consumers in the past.
|
| 04/22/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
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I financed a truck with ALLY at the end of XX/XX/XXXX. It was my understanding that payments would begin in XX/XX/XXXX, but I did not receive any paperwork from ALLY. In early XX/XX/XXXX, I received a phone call on my cell phone ( not my preference because I have a severe hearing loss ) while out of town with a very rude service person demanding to know where my payment was. I clearly stated that I had not received any information from ALLY, and that intended to pay as soon as I knew all of the particulars. In the end, I made a payment over the phone and made it clear that I owed no late fees because of ALLY 's error. Since then, I periodically receive late fee notices that are now nearly the amount of a payment. I have written to dispute this error repeatedly and in XX/XX/XXXX checked my credit and ALLY has listed me as XXXX thirty days late on a payment. I have never been late on a payment and have it set up with my credit union to automatically pay ALLY every month on the XXXX. ALLY calls and tries to force me to use their check service for my payment which charges an additional fee, and I tell them repeatedly that my credit union does not charge me any fees and it is automatically deducted from my checking account. Now, I got a credit alert that ALLY has listed me as being late on XXXX payments! This is totally untrue and my credit score has dropped by XXXX points! I want the late fees removed from my account and my credit deleted of any late payments.
|
| 04/15/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Web |
|
|
I am sending this complaint in order that I can get a straight answer from Ally so that we may close this matter. I leased a truck from XXXX XXXX XXXX, in XXXX MI the lease ended in XXXX 2014 when I took the truck back at the end of the lease which was XXXX XXXX, 2014 it was inspected and pictured was taken but when we got the report back from Ally it stated that there were holes in the rear bumper which was not true, we have been desputing this sence then now they tell that they have review our dispute and it was denied on XX/XX/XXXX but we never got notification of that, several customer service reps have told us that they do not notify you of denial in writing we should have gotten a call from the customer service rep that took the complaint but we did not and I keep telling them that I never got a call, then they said I should have called them. The dealership said that the truck never went back to Ally, the used car sales manager purchased the truck and sold it two days later, and we should not be responsible for any repairs, because Ally did not do any repairs never put their hands on the truck. Every time I speak to an Ally customer service rep I get a different response, I feel that Ally is trying to squeeze money out of every customer they had, because they are mad that XXXX has their own finance company now and will not be dealing with them anymore, I also know that Ally is a part of General Moters ( part of my tax dollars bailed them out ) thanks
|
| 11/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
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Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Enclosed are the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 07/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 160 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
|
| 07/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
|
| 07/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
|
| 04/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Ally Financial is reporting an account against me that they fail to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. The account has late payments being recored against me in Metro 2 in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification of missed payments. Ally Financial wont send any documents, bearing my signature, showing that I have had late payments that follow the rules of Metro 2 and compliance of reporting late payments.. XXXX and XXXX have already removed this account from my credit for Violations against the Fair Credit Reporting Act. Ally Financial also didnt furnish the credit bureaus with the required disclosure, within the period required by law. They are required by law to place a notice of dispute on my account within 30 days of my dispute, which you signed for XX/XX/XXXX. I have retained a copy of their signature and date of receipt, as well as time stamps of my credit reports showing that you violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act 807 ( 8 ) by not placing the disclosure within the required 30 day period. Im requesting Ally Financial delete this account off of my credit reports for good for violations against the Fair Set Collection Practices Act.
|
| 03/22/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
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Ally bank offered a up to ten day deferred payment plan two months after I took the loan some 63 months ago. I accepted their deferred payment every month from the XXXX of the month to the XXXX of each month. They automatically draw out the payment on the XXXX. To date there has never been a missed payment on this 75 month loan. Now every month the state on the XXXX of the month Im past due. Im not when they auto draft my payment on the XXXX. If this was the case why offer a ten day deferred payment. I have contacted them on numerous occasions throughout this loan to tell them to stop stating Im late when they set up this program. Today I argued with three different people. The payment will come out tonight as it always has done for the last 63 payments. I am tired of hearing Im in default when I am not. The second person spoken to stated that there is no delinquent payments in my history. None! This is what I get for paying on time every month and adhering to their offer and contract. The original date was the XXXX of each month then why dont they auto draft it on that date. I want an apology and a credit score increase. The argument is easy on my part they breeched the contract. Not me. In fact I will on request supply all bank records at your request of XXXX XXXX payments and emails from ALLY saying two days after payment has been made thanking me for my on time payment. Enough is enough! Thank you for your time. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX.
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| 12/08/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Servicemember |
|
My bank has been trying to payoff my car loan since XX/XX/23. Sent multiple checks. I have had to call multiple times and have been hung up more times than I can count. Finally today after being so fed up and speaking with rep after rep all saying the check was not received I asked for a supervisor. He stated no payoff check has been received. At that point I tracked the XXXX package myself and see the check was indeed received by Ally bank ( for the XXXX time ) on XX/XX/23 at approximately XXXX. I inform the supervisor of this to which he puts me back on a lengthy hold and finally comes back with the processing center does have the check. But still won't post to my account until Tuesday ( Another 4 days ) Not only was this aggravating & asinine but seems extremely unethical to hold over XXXX XXXX dollars for days without posting it to the customers account. The reasoning was to ensure the funds cleared, but Respectfully that is only my problem if the funds are returned. Also someone can call the bank directly to verify funds ( I work at a bank and its done every day ). It seems Ally is trying to rack up those extra daily fees late fees ect & most importantly affecting my account history and possibly my credit just to pad more money onto the payoff. It's really unfair & unacceptable on top of lieing about even receiving the funds. I will attach if able screenshots of the multiple calls made the info sent from the bank and the tracking info from XXXX.
|
| 10/25/2023 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
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Web |
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I've called Ally Auto multiple times to tell them to contact my mother, XXXX XXXX, about the account, and told them I give 100 % consent to her decisions on the account. Their recording states this is a recorded line and they keep telling me that the order of the names don't matter on the account since we are both co owners of the car, however they primarily contact me for everything. She drives the car, she pays on the car and she has 100 % physical possession of the car, but when my XXXX XXXX on her and left for XXXX XXXX she obviously fell on hard times. I keep getting text messages and phone calls from multiple phone numbers, some phone numbers show up on XXXX as scams, so I'm upset that Ally is giving out my information to third parties who keep calling me and do not leave voice mails. I give my mother 100 % consent to do what she wants with the car ( XXXX XXXXXXXX ), but they wanted to 3 way call and refuse to work with her. She works from XXXX to XXXX and I work XXXX to XXXX, our lunch hours are different, we can not physically 3 way call. It is entirely unprofessional to ask for 3 way call if they are on a recorded the phone line where I've identified myself and proven who I am when I call while I'm free. She even called them in her free time and asked to have full permission, yet they refused. At this point my mother is aware she is behind on payments and just wants to surrender the vehicle, but Ally keeps making this harder than it should.
|
| 03/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
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Web |
|
|
I was shopping for a new car and my credit was pulled without my authorization.
I ask the companies to prove that I authorized a credit inquiry and request that it notify the major credit bureaus. which has not happened, so I then disputed the credit bureaus, and all items are still appearing on my credit report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALLY FINANCI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALLY FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 10/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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|
Ally/Auto has unfairly and inaccurately reported information on the Credit report of XXXX XXXX and I XXXX XXXX XXXX In CFPB case # XXXX, XXXX a representative from Ally Auto provided an inaccurate detailing of the payment history on an Auto Loan. Borrower and I Co-borrower entered into a new agreement called the " Catch-Up '' with Ally Auto. After suspending payments during XXXX, Ally Auto started payments back up again. During the suspension of payments because of XXXX Ally Auto reported past due payments to the credit bureaus. That is an ADVERSE reaction being that payments were suspended. The entire time the payments were suspended Ally decided to take advantage of us as borrowers and I'm sure many others by charging excessive finances charges. They later decided to hit us with a $ XXXX bill. They have continued to be thugs in inaccurate reporting on our credit reports. Literally reporting lies. We entered into a new agreement and new payment terms. Terms have been fulfilled but the reporting to XXXX, XXXX, and XXXX are inaccurate lies. According to FCRA, a creditor can not report payments past due while account is adversely being paid on. Creditor must update and/or report accurate information. You can not suspend payments and then report past due. You can not enter into a payment agreement and still report past due all the while account is being paid on at a higher rate than first agreeement. Only one issue was corrected but not the entire issue.
|
| 08/18/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
On or about XX/XX/XXXX, we obtained a HELOC with GMAC.
On or about XX/XX/XXXX we called XXXX because GMAC sold to them the XXXX and were told we had no loans outstanding with them XXXX. We requested it in writing and was told Not to worry the loan is written off. and it's not there any more. It was written off.
Since that time period Of XXXX we have not received any statements or communication of any kind from GMAC or any other entity regarding the GMAC and or HELOC.
XXXX https : XXXX In a letter dated XX/XX/XXXX, from Ally bank notification regarding insurance coverage, we went online and discovered the HELOC is with Ally Bank XXXX From XX/XX/XXXX to current, we have yet to receive any monthly statements from Ally Bank or any kind of servicing transfer notice as required under RESPA 1024.33.
Our first ( 1st ) mortgage is with XXXX XXXX XXXX and is escrowed for property taxes and insurance.
We inquired with XXXX XXXX XXXX to refinance and payoff the heloc. It appears we were approved but XXXX XXXXXXXX XXXX did not want to payoff Ally Bank as they considered the {$60000.00} as erroneous charges. Please note on the payoff statement, next payment date is XX/XX/XXXX.
Then the wiring instructions direct the wire funds to be submitted to XXXX XXXX XXXX XXXX, XXXX, NJ with ABA numbers.
We would like to resolve this issue as this loan is almost 9 years old with no communication, no monthly statements, servicing transfers or notices until XX/XX/XXXX.
|
| 02/11/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
This is a follow-on to an existing complaint about ALLY BANK which I have already on file. On XX/XX/2020 I attempted to electronically withdraw a total of {$500.00} from my account which the bank had already sat upon for nearly two weeks after deposit and one week after clearance. These two deposits were less than the amount of supposedly cleared funds in the account and there were additional funds deposited and " on hold ''.
Ally Bank is flagging each of my check deposits from three different sources, including another actual Institution ( XXXX XXXX XXXX by claiming to have " information that indicates the check may not be paid. '' Checks were issued from XXXX XXXX ; a business that I have received checks from numerous times with no problems ; and one of my own personal checking accounts which has more than adequate funds to cover the amount of check XXXX {$1000.00} XXXX.
Both of my attempted electronic transactions were rejected by Ally Bank causing the recipient institution to place a freeze on my account at that institution, thereby causing me economic harm directly and indirectly.
This practice of, in my opinion, unlawfully holding funds for an unreasonable time results in potentially millions of dollars accruing to ALLY BANK from interest payments that would otherwise be credited to the accounts of its customers, not to mention the fees and penalties that customers may have incurred due to their reliance upon the availability of their funds.
|
| 12/07/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
on XX/XX/2022 I sent a payment in to Ally Auto by money gram. Company has not applied payment to my account. ALLY HAS VIOLATED 12CFR XXXX PAYMENTS. A creditor shall credit a payment to the consumer 's account as of the date of receipt, except when a delay in crediting does not result in a finance or other charge or except as provided in paragraph ( b ) of this section.
Ally Auto Financial violated the U.S. Fair Debt Collection Practices Act and the U.S. Fair Credit Reporting Act. Ally Auto reported derogatory and inaccurate statements and information regarding myself the consumer to third parties on XX/XX/2022.
The allegedly inaccurate information negatively reflects upon my credit repayment history, my financial responsibility and my creditworthiness.
attached is my proof of payment.
Ally collection agents have been harassing me for payment since XX/XX/2022 calling me late at night XXXX and during work hours. which is a violation of my rights under the FDCPA. even thought they can see my payment in the system and refuse to post it.
ALLY FINACIAL DID NOT CLEARLY AND CONSPICUOUSLY SEND ME ANYTHING SAYING THEY WOULD SHARE MY INFORMATION WITH A THIRD PARTY. I NEVER GAVE VERBAL OR WRITTEN CONSENT TO SHARE MY PERSONAL INFORMATION.ALLY FINACIAL NEVER SENT ME ANYTHING TELLING ME I EVEN HAD THE RIGHT TO A NONDISCLOSURE OPTION.
with this being said As of today Im opting out of any and all Authorization that I the Consumer given you verbally, or written.
|
| 08/31/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
In XXXX of this year, I previously filed a complaint regarding this issue. Ally responded saying an update they had done had caused it and they were working on the problem. It is now 6 months later, and it is still not resolved and when you call their customer service, they claim it is still being worked on. No other bank I have does not post instant XXXX transfers instantly. Ally is the only one who seems to purposely delay deposited funds. Prior to XXXX there was no issue and funds went into my account almost immediately. Yesterday I called in and after being on hold over 30 minutes and spoke to a supervisor named XXXX. He stated their tech team was still working on the issue and he had not gotten an update. When I questioned how he would get an update without initiating the question because he was not aware of my particular problem, he then put me on hold again and supposedly reached out to their tech team. When he came back, he stated their tech team was not aware of an issue. Which to me means they have no intention of fixing the problem. At the very minimum you the transaction should show as pending because each time I have called they can clearly see it on their end, yet they refuse to make the funds available. They have caused items to be returned because of this because they do not have a physical location where I can make a deposit. My instant transfer was complete to them at XXXX XXXX and they did not post until after XXXX, my time in CA.
|
| 03/05/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Ally has denied me access to business auto statements for XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX. They are not available on my online account. My online account indicates I am supposed to have access to up to 12 months but as you can see in the online account screen shot attached, they only allow access to XXXX - XX/XX/XXXX. I called their customer service number XXXX and spoke with XXXX after XXXX was not able to assist. XXXX was surprised I did not have access but was not able to send me the statements. He said he could give the interest to me verbally but that is unacceptable for tax and legal purposes. I want the physical statements for my business. My account was in a partial forbearance even though interest was accruing. They have denied me access to physical documents by phone and online of finance charges they charged me. XXXX told me I could figure up the interest myself then proceeds to tell me the daily interest! Totally unacceptable. I spent 30 minutes on the phone trying to resolve this. I had previously submitted an online request, also attached, because I could not reach them on the phone. I never received a reply to the request. I have no idea what they have charged me. This is totally unacceptable and is a violation of my legal right as a consumer. They also did not send me a XXXX XXXX interest statement that was supposed to be mailed to me on or before XX/XX/XXXX for XXXX. I also do not have access to the XXXX in my online account.
|
| 12/14/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/2020 I received an email from Ally Bank stating that the telephone PIN on my savings account was recently changed and if I did not take this action, I should call XXXX ( XXXX ) immediately. I called and verified my identity. The first customer service representative could not give me any details about my account and stated that I would have to be transferred to Loss Prevention ( " direct line '' XXXX ). I was connected to XXXX. I was asked to verify even more information about my account and the information for another account that I transferred funds from.
I attempted to log in to my account and was unable to do so because my account has been locked. XXXX stated that they were beginning an investigation into my account and would not explain why. Eventually, he stated that they were 'ending the relationship ' and I confirmed that meant they were closing my accounts. No reason was provided. I still do not know if the funds in my account have been accessed by someone else and I can not verify this myself because my account is locked.
I requested to speak to supervisor and XXXX stated that he put in a request and I 'may ' hear from someone within 48 hours. When asked about how I will receive my money now that my account is closed, he stated that it would take 2 to 3 weeks.
I have not been told why my account is under investigation, why I was connected to someone in loss prevention, if my funds are safe, or why my account is being closed.
|
| 02/27/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I had my home mortgage sold to Ally and am in the process of refinancing. They refuse to issue a pay off statement to the new lender because they claim that they had to purchase lender homeowners insurance. I have provided them 3 times with my Declarations page showing that they are the named insured and that I have paid the insurance in full. When I call the recording says that my account is uninsured. When I get to customer service they show that they have the information of my insurance but they have been unable to verify coverage by calling the number on the policy because they can not get a person on the phone. I have provided them with my insurance agent 's name, work phone, cell phone and email address but they only put it in their system as information for their insurance department, but will not transfer me to the insurance department to speak with someone. They actually gave me a wrong number to call to get me off the phone. I called back twice and spoke with two different people to put me in touch with a supervisor. Both time, after being on hold for over 20 minutes, I was told there was no one available and that I would receive a cal back in 2-4 hours. I have never received a call. I have spent over 2 hours on the phone to try and resolve this and get the cost of the insurance they are charging me for removed and to release my pay off statement. They are holding me captive and not allowing me to close my loan and give it to someone else.
|
| 08/19/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
Over the last 3 months Ally Bank has repeatedly issued me debit cards that had fraudulent transactions against them before activation, or with minimal use and no disclosure of the card. I've spent about 3 hours total with them on the phone attempting to resolve these issues, the resolution being getting a new card issued, which then gets fraudulent charges on it before I have used, and this latest time, even received it. Why would I dare activate it on arrival if this problem is going to continue? I am currently out about {$160.00} while I wait for them to dismiss one of the charges that somehow triggered their fraud prevention but was approved anyway. I discussed that amount with an agent, who was very friendly, but didn't seem empowered to do anything to reverse it that I couldn't do on the website - she tried and it " didn't work '' - and I'm still waiting for my money back after having done it myself.
Additionally, Ally 's fraud prevention department 's calling system calls from a number that is not shown on the card, which if called, asks for personal information without any proof that the caller is not the fraudulent party in the first place. People say to only call the number on the back of the card- why would a bank call from such a number? I explained this to an agent as well, but I think perhaps this is more of a concern for consumer protection folks than one of their agents. This is completely unacceptable practice in this day and age.
|
| 07/22/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
On XX/XX/XXXX I was in a car accident that resulted in my car being a total loss. My insurer requested a Letter of Guarantee from Ally Financial so that they would be able to send a check. ALLY requested an evaluation letter and a breakdown of the charges. The Insurer sent them the information that was requested in XXXX. Ally financial continued to delay ( Stating things were wrong on the evaluation even when things were sent over to them proving otherwise ) and did not respond to XXXX XXXX request for the Letter of Guarantee. Ally finally sent the letter of guarantee on XX/XX/XXXX and Ally received the check from XXXX XXXX on XX/XX/XXXX. Ally financial stated they are charging fees for late payments in the amount of {$720.00} and can not explain or show documentation of where these fees are coming from. I spoke with someone who claims they are financing fees but how can intrest occur on amount paid by the insurer. I have gap insurance which covered the reminder of the amount that was owed at the time of the accident ( XX/XX/XXXX ). I have reason to believe that ALLY Financial is defrauding the account. I and my insurer have tried to contact Ally Financial about this issue but continue to get transferred with no one telling us why these fees were assessed to the account. On top of that they did not tell us we owed any fees until XX/XX/XXXX. They also have reported to the credit bureau that I have missed payments and delaying my home buying process.
|
| 05/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
ALLY BANK, XXXX XXXXXXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX HAVE VIOLATED THE UNITEDS STATES CODE.
THESE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY XXXX. XXXX XXXX REMOVE IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX.ALLY FINANCIAL XXXX XXXX XXXX 15 U.S. Code 1681e - Compliance procedures U.S. Code Notes prev | next ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
|
| 04/28/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
I have been a victim of identity theft. This has been an ongoing issue with the creditors along with the credit bureaus that I have worked with them trying to rectify these issues of fraudulent accounts. For over 1 year I have submitted multiple disputes along with providing all required documentation to support my dispute. I have provided the creditor and the credit bureaus with the police report, Official FTC Report, Drivers License, utility bill to support my unprecedented situation of Real Victim Identity Theft. As a result 2 of the 4 fraudulent accounts were removed on two different occasions. Since then has popped back onto my credit report due to the creditor resolving the accounts as fraud, then deleting the accounts after which they are selling the debt to a collection agency which then reports the same fraudulent account back to the credit bureaus and re reporting of each takes place. I have spoke to a multitude of different representatives and supervisors looking for assistance to get these accounts that I have NO ASSOCIATION with removed once and for all. I have been given little assistance with these matters and close to no response back at all at this point. This is ruining not just my credit, but this ongoing issue has ruined my life. Below you can find the account names and opening date and amount!
ALLY FINANCIAL opened XX/XX/XXXX {$24000.00} XXXX opened XX/XX/XXXX {$31000.00} ( Chase ) XXXX XXXX XXXX opened XX/XX/XXXX {$4400.00}
|
| 04/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
In XXXX of XXXX my car was totaled. The person who hit my vehicles insurance paid off the remaining loan balance. Ally financial, however, after receiving this payoff instead of closing my acct reported me to the credit bureaus as late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called XX/XX/XXXXto have this inaccuracy removed. I was told if I didnt hear back in 45 days it would be removed. I never heard back so I assumed this was removed. I recently applied for a mortgage and this was still present. I called Ally again on XX/XX/XXXX, and was told they would need to resubmit a claim. My wife then called on XX/XX/XXXX and asked for an update and asked if this could be expedited as we are trying to purchase a home and this is hindering our ability. The agent on the phone said the claim submitted on XX/XX/XXXX had no information attached to it so it would automatically be denied. This agent then filed a new claim with all updated information and she was told they would try and expedite this matter. My wife then called today XX/XX/XXXX and was pushed to 2 different departments and no one was able to help. This should have been cleared years ago when they were paid and again last year when I filed a claim however this is still present and actively affecting my familys ability to buy a home. Every day that goes by with this unresolved is another day of rising interest rates and lost opportunities on homes. Please help!
|
| 11/15/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
In XX/XX/XXXX I traded my vehicle in for a new vehicle with my dealership. The lease was repaid in full but the dealer mistakenly paid an extra {$1000.00} to the leasing company. This resulted in there being {$1800.00} excess cash deposited on my account with the leasing company, Ally, that was owed to me at the end of the lease, representing my original {$820.00} security deposit and the excess {$1000.00} payment. Ally acknowledges that this {$1800.00} is owed to me. I have called them multiple times and they confirmed that amount. I was told in XX/XX/XXXX that the money would be returned to me in full when they sold the vehicle, which would likely be within 6 weeks. I repeatedly called them over the next few months and each time was told that there were delays in selling the vehicle but that I was not responsible for the value of the vehicle, that there were no damage fees assessed, and I would be returned the {$1800.00} of excess payments when they sold the vehicle. On XX/XX/XXXX, I called Ally and for the first time they told me they were assessing {$180.00} in wear damages and that they did not plan on selling the vehicle for another month. But they also confirmed from their account notes that I was previously told by them that there were no damage fees and I could expect to receive the {$1800.00} shortly. I was told I would receive a call back from a representative of the company to discuss the matter further and they have not called back.
|
| 09/18/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
I have been leasing a XXXX Chevrolet Volt through Ally Auto XXXX a division of Ally Bank XXXX. The is reaching maturity and I was investigating an extension for 1-3 months while I waited for my XXXX Volt to arrive, which has suffered from production delays. When I contacted Ally to get an extension, I was told the monthly payment would increase by over 50 % and there would be no additional mileage allowance. I have leased several cars in the past and never experienced this kind of behavior. In the past, the other finance companies simply extended the lease on a month-by-month basis at the same monthly payment offered under the terms of the lease contract, and they included additional miles based on XXXX of the annual mileage allowance as specified in the lease contract. Ally is doing none of this.
Ally Bank used to be XXXX XXXX, a division of XXXX, before getting spun off in the early XXXX 's. It was announced earlier this year that XXXX is going to move their leasing programs back in-house with a new XXXX XXXX division. Is it possible Ally is penalizing XXXX customers for this change?
Regardless, I have found their behavior to be highly questionable. Beyond the issues listed above in attempting to get an extension, Ally also took the extra step of deleting all online access to my account after the final lease payment was made, despite the fact I still have possession of the vehicle. I lost all access to my payment history and account details.
|
| 01/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
I bought two vehicles with two trade ins. This was at XXXX XXXX in XXXX XXXX. I bought a vehicle in my name on XX/XX/2020, and a vehicle in my fiancs and my name on XX/XX/XXXX. Any how I have been having many issues. Starting off with when i bought the second car my fiance told them i was gon na co sign and ended up pulling my credit without my permission. At the end of the day it was okay as i didnt mind co-signing. Then we went up there and bought a new car on the XXXX turns out the bank didnt approve the loan so we had to sign another contract the next day and im thinking this is okay, but they pulled our credit again for that. So we leave thinking everything is done its now XX/XX/2020.
Well last Thursday they told me I had till XXXX to send them Insurance information or they will take back my truck that i bought on XX/XX/XXXX. So i give them the information and im like okay everything is done. Fast forward to this week Wednesday XX/XX/2020, they decided to pull my credit again without my permission because the loan they had for my truck did not go through. I called him yesterday as well saying why didnt they not call me to discuss any arrangements and that it is illegal to pull my credit without my consent and he said it isnt. I told him i dont want him to pull my credit and I froze my XXXX reports. Well today he decided to pull my credit again and I actually didnt know about this until after getting information to send this to you guys.
|
| 08/23/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
Ally Bank changed the limits for transferring money via XXXX without notification. The new {$500.00} limit is unreasonably low for an account in good standing, and no advance notice was provided. This last-minute change is preventing my from paying my rent on time -- with potentially severe consequences of fees/penalties, inability to renew/extend my lease, or in a worst case eviction for missing the payment.
For multiple years, I have leveraged Ally Bank 's XXXX money transfer functionality to pay my rent. I have kept the same dollar amount of {$1400.00} on the same day of the month with no complaints or issues.
However, today I received an automated email from Ally " We canceled your payment to [ name removed ] because : You have exceeded the acceptable number of payments or amount of money that could be sent within a certain time period. '' This was the one and only record of this change I could find. If I had received advance notice I would still have been inconvenienced, but could have at lease made other arrangements.
In fact, three days prior to this cancellation I received an email from Ally " RemindeXXXX : Your next payment to [ name removed ] will be processed in 3 days '' with the full details including the dollar amount.
I called an Ally representative and they were unable to provide information as the reason for this change, or sufficient alternate options such as the ability to my account to be approved for higher limits.
|
| 12/02/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Servicemember |
|
1. I leased a new XXXX XXXX on XX/XX/XXXX with 39 monthly payments of {$360.00} as the terms of the lease. Ally is the Lender, and XXXX XXXX XXXX ( XXXX, OH ) was my Car Dealer.
2. Paid each month to Ally on time and in full for 35 months ( last payment made on XX/XX/XXXX ) 3. Sold my XXXX to XXXX XXXX ( XXXX XXXX XXXX ) and leased a new truck from the same dealer on XX/XX/XXXX.
4. XXXX XXXX overnighted payment on XX/XX/XXXX to pay off my existing lease with Ally on XX/XX/XXXX.
5. Check from XXXX XXXX was cashed by Ally on XX/XX/XXXX and was posted to my online account.
6. I never received payoff confirmation from Ally or closure of my account notifications.
7. It has been over 43 days now since the lease was paid in full and my account is now showing in a past due status.
8. I next contacted XXXX XXXX on XX/XX/XXXX to confirm payment was sent to Ally. It was. They also stated they had had over 15 similar situations with Ally beginning in XX/XX/XXXX - approximately 15 transactions similar to mine.
9. I contacted Ally 's Lease/Dealer numbers the same day - XX/XX/XXXX, with no resolution or explanation. I tried again on XX/XX/XXXX - twice - each time I was instructed to contact the Dealer for resolution.
10. The call center was located offshore, and there was no concern or urgency to address my situation or transfer to a supervisor who could assist - even when I inquired.
11. Ally has provided me no other means to resolve this issue.
|
| 10/10/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I opened a new account with Ally Bank on XX/XX/XXXX. The account was funded by " pulling '' money through an ACH transfer from my account at another bank. After I set up online banking, I got an email stating that due to suspicious activity on my account, it was on hold and I would need to provide additional information before being able to access my account again. I called the provided telephone number and provided all of the identifiable information they asked for. They said that my account was still under review and I would just have to wait to hear back from fraud prevention once more information became available. About 3 weeks after opening the account I had still not heard back, so I called again and was told that my account had been closed. I asked if they were intending to inform me of that and they said a letter would be forthcoming. ( It has been nearly a month from that time and I still have not gotten any letter ). I got an email on XX/XX/XXXX saying that a new statement was available for my account. I found this odd considering I was told the account was closed, so I called back in. After talking to multiple people and spending over XXXX minutes on the phone I was told again that my account was indeed closed. I requested that my initial funding deposit be returned, and was told that they would not be returning my deposit, saying that I would need to dispute the ACH transaction with the other bank if I wish to get my money back.
|
| 03/15/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
I opened an account with Ally Bank on XX/XX/2019. Acc # XXXX ( XXXX XXXX XXXX ) I deposit the check of $ XXXX to my account from my friend ( XXXX XXXX ) that owe money a while ago. The account was suspended, asking me to submitted the info Social Card, ID, Utility bill, etc2 that was already submitted to them.
i was going back and forth between XXXX and XXXX since my youngest daughter just gave birth and my oldest son was lived in XXXX XXXX, XXXX They keep insist saying that they cant verify the payment from XXXX XXXX eventhough its clear that the check has been cleared and deposit to my account ( see proof of clearing from XXXX XXXX ).
My friend sent email to XXXX with the documentation of the copy of the credit card and also the remaining balance transfer check.
Last call with the rep name XXXX ( Rep code XXXX or XXXX ) saying that they cant verified my identity and the identity of my friend and i told her, what else i can provide them in order to have this thing clear and they aid nothing, they said they in process contacting XXXX to verify the check and the XXXX XXXX already told my friend that nothing wrong with the check and it has been cleared from their end.
Got another call after few days and they told me they will close the account and will confiscate the money because they cant verify my identity. What else should i provide to them since i have given them all documentation under the sun that i have.
Please help.
|
| 05/31/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I paid off my vehicle loan as of XX/XX/XXXX. I received a letter the beginning of XX/XX/XXXX stating I could possibly have a GAP refund due. I contacted Ally it find out the details beginning of XX/XX/XXXX, at that time the representative did inform me there was a refund due however they were unable to provide me with the details on the amount but I should be receiving the refund within 45 days from payoff. After not receiving any refund via mail I contact Ally on XX/XX/XXXX, upon speaking with a representative she informed me the refund was mailed out XX/XX/XXXX & if for any reason I have not received payment within 2 week to give them a call back. As of XX/XX/XXXX I still had not received my refund due, I called Ally to inform them & was told I need to wait until the following Monday to request the check to be reissued. On Monday XX/XX/XXXX I contact Ally to request the refund check to be reissued, the representative advise me at that time that it would take a 2-3 days for my request to process & the check to be mailed out. At that time I request additional information on the prior check to be sent via mail or email to me for documentation. I have several issues prior with mis information so I documentation. As of today XX/XX/XXXX I have yet to receive any detail on the prior check mailed out & have yet to receive my refund. I reach out to Ally who informed me that my refund has not been reissued but couldnt provide me a reason as to why.
|
| 02/02/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Delay in processing application
|
|
Web |
|
|
I applied for an Ally credit card using my XXXX credit match on XX/XX/22. After submitting my application, I received the message, " We need more time to review ''. My XXXX XXXX was immediately decreased by XXXX points. I could see the XXXX inquiry from Ally Financial XXXX on my credit report.
I called Ally XX/XX/XXXX at XXXX am, the rep informed me she didnt have a record of my inquiry, but to allow up to 17 days for processing, and to watch for a letter or email to determine my status. I called again XX/XX/XXXX at XXXX, another rep stated there was no record of my application, or prior phone call. I asked if there was an internal department who handles these requests- I said Ally doesn't have XXXX... they go through XXXX. I requested to speak with a manager. The manager used my SSN, full name, phone number, address to attempt locating the application, but also said there is no record of my application or phone number. She said she was launching an investigation, and to call back within XXXX business days.
I called back on XX/XX/XXXX at XXXX. The rep stated there was no record I had ever called- thus no investigation. She located an account with my name from XXXX I informed her I've never used or applied for anything associated with Ally. I am highly upset and concerned as this has significantly impacted my score, and no cares enough to follow-up, or merely document my call. I will NEVER apply for anything associated with Ally, again.
|
| 08/13/2015 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
|
|
Web |
Older American |
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This is an urgent complaint against Ally Bank. I had an IRA ( traditional retirement account ) certificate of deposit ( CD ) with Ally Bank. It came due last month. Ally Bank has confirmed that it closed my IRA-CD on its maturity date last month per routine and correct prodedures. But Ally has not -- and will not -- return my IRA money to me. I have contacted Ally Bank customer service many times, spoken to many people. They can provide me with no evidence that a check was sent to me. They stall, give excuses, refer me to other people in customer service who do n't know how to resolve this. I AM REQUIRED BY IRS to rollover these funds into another traditional IRA asap. Otherwise, I will face tax consequences -- IRS will consider this a distribution instead of a rollover and make me pay income taxes. I have signed forms at Ally Bank saying that this is a ROLLOVER. No one at Ally Bank seems to understand the urgency of this situation. I have requested repeatedly to speak with the expedite dept, the loss prevention dept, the fraud department, the corporate office, etc. at Ally Bank. No one at Ally Bank customer service will allow me to speak with anyone with authority to resolve the problem and find where my retirement funds are. I am shocked that a bank will not return a customer 's money upon the maturity of a CD. I wonder if a bank employee has stolen my IRA money, as Ally Bank can not find the funds. Time is of the essence. PLEASE HELP!!!
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| 08/06/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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The credit card is Ollo credit card. I am going to get straight to the point. I asked for confirmation of debt. The only legal form of confirmation of debt is wet signatures. They said the debt was confirmed. I said how was the debt confirmed. I need the persons name address, title In company, phone number and fax. Until this day not done. Per ucc 3-603 ( b ) this is legal tender. Every month you send me a coupon and then you ask me to pay your bill with a credit card or debt card or money order. Then you cash both. This is trust fraud. I have recently sent you my definition sheet of what a coupon is instrument is etc. I do not spell my name XXXX XXXX which is STRAWMAN which means XXXX person. The reason why you asked for my ssi number is to get access to my trust. You claim its for protection. Thats a lie. We have Nesara Gesara which is law.
We have public law 73-10 or hjr. ( house joint resultion ) 192 which happened in 1933 when XXXX took all the gold and silver away and replaced them with for federal reserve notes promises to pay. Everything is credit swaps.
The ceo and cfo must obey the law and cancel this debt. If not done I will want to supena them both to the florida court room. I will charge them with the Rico act racketeering etc. I understand you love your double payments with me its not happening. I will place a lien on surety bond of the officials .I am putting you under public notice. If necessary will face you in court.
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| 03/27/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On the morning of XX/XX/2022 I got a fraud debt charge on my Ally financial debt card for XXXX XXXX I saw from my transaction history it came from a company called ( XXXX XXXX ) I immediately searched up the website and found their contact information and called, and after several attempts of trying to reach customer service I finally got someone on the phone and I told them that someone is using my debt card on their platform and got charged XXXX XXXX after speaking to the company customer representative, I was told that since they can't use my debt card information to see what account my card was connected to, due to security reasons that they couldn't help me, so feelings hopeless I moved on to dispute this fraud charge with my bank Ally financial, after I explained this charge to them they closed my debt card and sent me a new one and filed a dispute form over the phone with them, my dispute Case number for Ally financial ( XXXX ) they told me after 10-15 days I will receive a paper mail with the determination notice, after I received that paper I got declined for any provisional credit for this charge, they couldn't give me any exact reason why I got declined and now I am out of XXXX dollars and moving forward I'll banking with a different bank that protects & appreciates their customers. I would like CFPB to see if they could get me a refund of XXXX $ from Ally financial and to see what exact reasons they declined me for. Thank you.
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| 08/22/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
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I bought a XXXX XXXX XXXX XXXX in XX/XX/XXXX and it was financed through Ally Auto. Ally had previously financed a truck for my in XXXX, the loan was closed out and in good standing, so when I try to make my new online profile it keeps stating that I have an account. Whenever I try to recover my account, it gives me an error code as seen in the screen shots that are attacked. I have contacted Ally Auto 's customer service for online account XXXX and again on XXXX regarding this issue since I can not log in to pay my loan. I was told that it would be 3-5 business days and my account would be reset on both prior phone calls. I contacted Ally again on XXXX to inform them that the account is still locked, the representative informed me that the ticket # XXXX was lost or looked over and would have to create a new ticket. This would prolong the issue about 3-5 business days, when asked to speak to a supervisor who could escalate the issue I was told " The account is past due, we can not let you speak to a supervisor here so we have to send you to collections and let them handle the issue. '' When talking with collections, they have no control over the online account and the cycle repeats, going back and forth between the departments. The issue is that they are wanting me to pay through a third party and pay " convenience fees '' in order to make the account current whenever the issue has been on their side since the loan was due on XX/XX/XXXX.
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| 07/03/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Other transaction problem
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Web |
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This is in reference to my complaint ID XXXX. I have sent several secure messages through Ally Bank to try and a Letter of Indemnity ( LOI ) for my initial complaint with Ally Bank. I wanted Ally Bank to send XXXX LOI to the mailing address on file and another to a fax number that was provided to me by XXXX XXXX ( XXXX XXXX XXXX XXXX ). In my previous complaint, they claim to have sent an LOI on XXXX occasions. I reached out to Ally Bank asking how it was sent over and I did not receive any receipts. On XXXX occasion I was told it would be 7-10 business days from the date my case was made on XX/XX/2023. In this message, I was told that your issue has been escalated to the highest level in our Executive Customer Relations. Today XX/XX/XXXX I messaged Ally Bank to get a response What Ive done to better assist you is to request to have your request escalated. Please allow XXXX business days to process the request. I do not understand how something can be escalated past the highest point of escalation. They did mention in the same message, I do not see that the letter has been sent out at this time. It appears there were no issues sending out the LOI previously. There seem to be no receipts on previous attempts to send out this letter. I asked Ally Bank if it was possible to send via secure messaging and this was not possible. If Ally Bank could even email me the letter or even submit it as an answer to this claim that would be appreciated.
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| 10/06/2016 |
Yes |
- Consumer Loan
- Vehicle lease
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- Taking out the loan or lease
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Web |
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I called Ally on XXXX and asked what I needed to do to purchase my leased vehicle. She stated that I needed to pay off the amount to Ally and they would then send the title and another document for me to sign off on mileage. She gave me the amount of {$29000.00}. I call Ally back on XXXX to ask for the address to send my final payment. Once talking to this gentleman he told me my final payoff amount to purchase the vehicle was {$30000.00}. I said, but I was told two days ago the {$29000.00} and that was good until XXXX XXXX. He said, sorry, she gave you the payoff amount not the amount to purchase the vehicle. I said, I did n't think that was fair and I did n't understand. It seemed like a bait and switch. I hung up frustrated. I called back a while later and told the person who answered I had received XXXX amounts. She asked me the amounts and then asked me to hold. When she came back she said the correct amount was the lower amount. When I asked her why I was given XXXX different amounts she said the gentleman calculated it wrong. Here I sit without feeling comfortable that the amount I have is accurate. In addition, I feel they are being deceptive in the way they are changing the balance. I wonder if they have taken advantage of others this way. I also wonder if they have done other things to my account that would cause me to pay more than I owe - like they tried to today. Please look into this unacceptable culture they have at Ally.
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| 07/01/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
Servicemember |
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I contacted Ally Financial in XX/XX/2022 regarding an auto loan I was unable to pay after falling ill to XXXX and being without pay for 3 months. They agreed to accept 1 payment immediately and allow me to pay extra for a couple months to catch up. But after taking the payment by phone they continued to bill me normally which resulted in me falling even further behind. It's disheartening to have these guys misrepresent what they're willing to do in order to get a payment and makes trusting anything they say very difficult. They've now reposessed the vehicle without providing me with the required Notice of Right to Cure or the Notice of Right to Redeem. I've contacted them and they've been completely uncooperative, and misleading, with one Agent in the Redemption Department telling me that he wasn't allowed to provide his full name ( XXXX ) or allow me to speak with a Superviror, and that my only option for getting my car back was to pay the full amount past due as well as late fees and that I'd have to pay the company that reposessed the car. These charges have stacked up to over {$4000.00} total. XXXX assured me that that is Ally 's policy and that they have no program to assist customers having these sort of issues. With times being so difficult on everyone, and the Federal Government helping U.S. Companies, including Ally, I find it difficult to believe that Ally would be so abrasive and hostile towards customers and refuse to help.
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| 09/28/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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Called the company on XX/XX/XXXX to get an extension on the loan, was told everything would go through just fine, submitted the request to continue with no payment. Received a call that it was denied because we had yet to make six payments. Called company back XX/XX/XXXX to see what was going on. Said that we had yet to make six payments so we were unable to receive extension, did inform the agent spoken to that we had made six payments and that was confirmed by the previous agent. Said that with the payment that was recently made we were at six payments, tried to schedule another extension, once again being told that we can do that without having to pay XXXX to continue with the extension, was told that I would receive a call when that was approved. Waited until XX/XX/XXXX and still received no call. I called company to get the updates on the extension and was told it was denied yet again because of not making six payments, informed the agent spoken to that I was told that was not the case. Asked to speak to a supervisor was on hold for over 7 minutes and never transferred to supervisor, instead I was hung up on. I called back right away and talked to a gentlemen representative and was told that we could process that request and we could only do it with a payment. Had I been told that from the beginning I would have just made the payment to get this going. I do not believe I should be told inaccurate information more than three times.
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| 11/03/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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Me and my wife leased vehicles back in XX/XX/XXXX both XX/XX/XXXX 's. The lease was up last year in XX/XX/XXXX, and we decided to purchase the vehicles. XXXX sent us paperwork that was wrong on several occasion. We thought things were fine until we got a letter from Ally stating we needed to pay a registration fee. The problem with that is the customer is never supposed to pay anything, except tag renewal and the monthly note. We received a late renewal from the XXXX in which we had to pay XXXX including late fees. We contacted Ally in XX/XX/XXXX of this year, and they gave us the run around concerning management. So we finally got Supervisor/Relocation/Title Transfer person named '' XXXX ''. She informed us she would check in to the matter and get back to us, we thought is as taken care of. I got sick and had major XXXX in XX/XX/XXXX in which I almost XXXX, and my wife got another letter from Ally taking about registration. My wife emailed XXXX in XX/XX/XXXX only to never hear anything from her, and we have not received anything from the XXXX in the mail about out vehicle registration. When I tried going online to renew bot vehicles they stated they were not found and application in process. Our tags expired in XX/XX/XXXX, and we have been dealing with me getting well from my XXXX. I do not have the money to pay big late fees in XXXX, we have the emails we will attach .We have never been late and always been on time with our payments.
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| 05/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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When Ally Financial finally got caught as a subprime lending scam over a year ago and successfully sued for said action I contacted them and told them to remove the actions off of my credit and they did. Sort of. They listed it paid but never corrected the constant credit report abuse of misleading and incorrect data.
I was a co-signer. Its my exhusbands loan to which he was repossessed twice and we paid thousands to fix repossessions to get back car. He paid off the loan right before class action. {$28000.00} when I told them to remove and correct due to class action they did so. However in a year Ive struggled to raise my credit XXXX points and then dropped it this month XXXX points for again incorrectly reporting payment history and to why they did so Im unsure of. Cant be legal. This was reported paid. Finished. After 8 years of trying so hard to fix my credit to purchase a home white in college full time and working as hard as I am to secure a affordable car loan with my tax refunds they did this. I was almost at XXXX and not Im in the XXXX again. +10 % interest on any loan if I can even afford it now. This is so unfair. XXXX paid it and theyre in a class action why are they still requiring credit of mine to which Im working so hard for. Im trying ti buy a home so I can finally have a roof over my head. This isnt okay and Im about ready to sue them myself. Ive had my credit go above and under every time I raised it for 8 years.
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| 03/26/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account information incorrect
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Web |
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I had an auto loan with Ally Financial opened on XX/XX/XXXX. In XXXX of XXXX I encountered financial difficulties and was unable to make payments, and the car was repossessed a few months later. I had a second auto loan in XXXX of XXXX from Ally which I also fell behind on, and it was also repossessed during that time.
In XX/XX/XXXX, court case XXXX ( Ally Financial XXXX XXXX XXXX XXXX , the XXXX Judicial Circuit Court certified a class action for customers whose autos were repossessed prior to that date. I was subsequently notified that I was a member of that class ( details on the court case are found here : http : //www.allynoticeclass.com/. ) As part of the final amended settlement order issued XX/XX/XXXX, Ally Financial was ordered to cease reporting repossessed tradelines to the CRAs and to request deletion of these tradelines.
The settlement order instructs Ally to maintain an email address, XXXX, for customers to contact to notify Ally that their tradeline has not been deleted and to request that Ally send a " XXXX XXXX XXXX '' or similar to the CRAs. On review of my credit report from the XXXX bureaus dated XX/XX/XXXX, one of my Ally accounts was deleted in accordance with the order, but the second was not, despite also being covered by the order. I contacted Ally Financial at the XXXX email address requesting deletion, but have received no contact from them, nor have they sent a deletion request to the credit bureaus.
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| 10/04/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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Hello, I have a car loan with Ally Financial for my car loan, In the time that I have had the car which is a total of 15 months, if I am a day late with the payment I receive multiple phone calls a day and messages threatening for payment, I fell behind on my payments due to financial issues and called Ally on XX/XX/XXXX to discuss options on how to work out a payment arrangement and was told my vehicle was on a re-procession list and could be taken within the next few days. I took what money I had and with speaking to the customer service agent was told I could be put on a program to take 2 payments I was behind with and place them on the end of the loan and I could start making monthly payments without issues. I received the paperwork to be signed 8 days later in the mail and sent it back thinking all was fine like promised. On XX/XX/XXXX my roommate opens our door to our home to find a woman on the property taking pictures of the house, mailbox and my Vehicle a XXXX XXXX XXXX. She Said she was from Ally and was looking for myself and my roommate mentioned I was not home which was true. This woman did not belong on the property, nor asking questions or stating the matter of which she was looking for me to my roommate. It is against the Law and It needs to be said. I am very upset about this matter because I have done what is asked of me and I am still being harassed by a company that messed up their paperwork on their part not mine.
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| 04/14/2017 |
Yes |
- Consumer Loan
- Vehicle lease
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- Managing the loan or lease
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Web |
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I leased a XXXX XXXX XXXX from Ally Financial, XXXX, MN on XX/XX/2014. My Account XXXX is XXXX. The lease was for 36 months and included XXXX extra miles per year which I paid for at {$.00} per mile, captured in my monthly lease cost. Agreement was any unused extra miles would be refunded to me at the end of the lease. The vehicle was recently turned in with XXXX miles on it, XXXX miles under what I had paid for. I am due a refund of {$1500.00} from Ally. When I contacted Ally one week ago, I was told, no, no refund was due because the vehicle was turned in early, which violated the lease. I said no, the lease was paid in full to the term of the lease ( the dealer I leased a new vehicle from paid the last months lease ), I simply gave them the vehicle back early, which should be considered a plus, as the vehicle is worth more to them. The vehicle is already sold, per the statement from Ally. Ally refuses to bend - they say the only way the refund would be paid is if the vehicle had been turned in on the exact day the lease ends, which seems utterly ridiculous and fully intended to allow Ally to avoid paying anything back to customers. Overall, I paid this lease in full, never missing any payments, paying early in all cases and Ally is saying a clause in the fine print allows them to not pay back what is due to me. Unfortunately, I have another ( new ) Ally lease now, which was finalized before i realized they wanted to refuse payment.
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| 01/15/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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Ally Bank offer the XXXX payment service to its customers, which allows direct transfers to 3rd parties. The " limits '' stated on their website for the XXXX service indicate there is a daily transfer limit of {$5000.00} and a {$10000.00} limit in any rolling 30 days. I requested a {$5000.00} transfer to a party on XX/XX/XXXX at about XXXX XXXX PST. I had no previous transfers in the previous 30 days, so the {$10000.00} limit was not triggered. I tried on XXXX. XXXX to make another transfer in the amount of {$3900.00}, but got a prompt indicating I could not do so as I had reached the " daily '' limit. I contacted Ally Bank and was told that a " day '' is 24 hours from the prior exchange. On XX/XX/XXXX, I tried again to make a transfer of {$3900.00}, and again got the " daily '' limit prompt, indicating I could not make the transfer. I contacted Ally Bank again on XX/XX/XXXX and this time was told the initial {$5000.00} transfer would not clear XXXX systems until Monday, XX/XX/XXXX, and I would not be able to make a transfer until then. This means the " limit '' language on Ally 's site is false and misleading. A " day '' is apparently defined as a week. Customers are misled and falsely believe they have the ability to make a daily transfer up to {$5000.00} with the option to make another option the following day, so long as the {$5000.00} daily limit is not reached and so long as the rolling 30 day {$10000.00} limit is not reached.
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| 04/16/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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XX/XX/XXXX ALLY FINANCIAL, INC pulled my credit report for a loans/and OR, Credit cards for someone using my Identity to apply for a Loans or Credit. On XX/XX/XXXX I filed an Identity Theft report, and Police Report with my local police department XXXX XXXX XXXX police department, because I got alert that someone had opened, different credit lines in my name without me knowing.
Someone was using my Identity to apply for loans and, lines of credit online. There were over seven accounts opened, and over 18 hard inquires. I reported everything right away to all three credits companys, XXXX, XXXX, XXXX,. A alert was supposed to be put on my credit reports for 90 days.
FromXX/XX/XXXX to XX/XX/XXXX. However, whoever is using my social security number has been still trying to get credit in my name. I spoke to ( ALLY FINANCIAL, INC ) and they could not release information because some of the information did not match what I what information I had.
However, they still put a Hard Inquiry on my XXXX, and XXXX credit reports. on XX/XX/XXXX a total of three times in a matter of a three-month span time.
As of today, I have contacted Social Security Administration, and have a appt to get a new social security card this does not keep happening. This is affecting my credit and, I take my credit serious. I am shocked, and still shocked as, to how this is has happened, and it has taken me almost months so far to try and, clean up my credit report.
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| 02/17/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXXr Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXXk XXXX Inquiry from XX/XX/XXXX + All Banks XXXXr Inquiry from XX/XX/XXXX + Miscellaneous XXXX XXXX Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX Inquiry from XX/XX/XXXX + Miscellaneous ReptgXXXX Agencies XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX Inquiry from XX/XX/XXXX + Department & Variety Stores XXXX Inquiry from XX/XX/XXXX + Department & Variety Stores XXXX Inquiry from XX/XX/XXXX + Utilities & Fuel XXXX Inquiry from XX/XX/XXXX + Automotive Ally Finan I Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + Misc.
XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXXXXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXXXXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Bank
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| 10/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I am so angry and frustrated with XXXX and the different credit card companies. They have been working on my investigation for over a month, with no resolution. I have sent my police report and my FTC report that I filed along with my identification and they are not removing these accounts from my credit profile. They do not have any evidence against me, and are continuing to report these accounts. I have spent so much time so much energy, and I am so stressed from this situation. They are not helping whatsoever, and I am getting anxiety from talking to so many different customer service reps, who one promises to remove the accounts, to another one who says we never received the report, to another one who said they did receive my reports. They were all done and uploaded online and have record. Please help in resolving this matter, I need these accounts to be removed from my credit report immediately. I am not able to rent any other house, or buy car. Please help.
The companies I am reporting are 1. XXXX 2. ALLY FINANCIAL ( 6 different accounts in which 2 accounts have been removed 4 accounts are still reporting ) 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX Please help in resolving this matter, I have reported my identity theft from way back in XX/XX/XXXX. These companies have not been removed from my credit report, they are giving me very bad customer service, and XXXX is by far the worst credit bureau to deal with.
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| 07/14/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
Servicemember |
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I leased a vehicle through Ally Financial and a lease returned was done on XX/XX/2020. I received a letter from Ally Financial dated XX/XX/XXXX stating that the inspection was completed and there was an Excess Wear Charge of {$710.00} plus tax for a Windshield Crack greater than 1/2 '' diameter. Upon reviewing the inspection photos, I found that the starburst was in fact less than 1/2 '' in diameter which per the lease agreement should have been a non-chargeable item. I immediately reached out to customer service and advised them that I wanted to dispute this charge. I then received the final statement stating that the charge was still included in the final accounting. Upon contacting Ally Financial by phone, I was advised that although the windshield crack was smaller than 1/2 '' in diameter, because the vehicle is a " premium '' vehicle they still needed to charge in full for the windshield. This information is not listed anywhere in regards to returning the vehicle and seems to be a ploy to take advantage of consumers. The vehicle was said to be already sold which would have been in lightening speed, a matter of 1-2 days which means that I was not even allowed to utilize my comprehensive insurance coverage for the damage which would have only been a {$50.00} deductible. I am an XXXX XXXX military XXXX and my wife is currently affected by the Covid-19 pandemic and this has caused an extreme and unnecessary hardship on my family.
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| 10/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I have multiple inaccuracies with The Ally Financial Account on my profile.
The reporting of late payments after a repossession occurs is an error and is NOT FACTUAL. The Account that you are reporting is identified as a repossession yet, You have continued to report late payments with XXXX in XXXX of XXXX! Since the vehicle is no longer in my possession, It would be impossible for me to default on the payments after the fact! XXXX shows charged off while XXXX shows 120 days late in XX/XX/XXXX, then " OK '' In XX/XX/XXXX, Then " Charged off '' from XX/XX/XXXXXXXX to XX/XX/XXXX, Then " OK '' From XX/XX/XXXXXXXX til XX/XX/XXXX.
XXXX XXXX XXXX are also showing the following inaccuracies : Last Reported : XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX Comments : XXXX-Subscriber reports dispute resolved - consumer disagrees.
Unpaid balance reported as a loss by the credit grantor. XXXXCharged off account Auto Date Last Active : XXXX XXXX XXXX Date of Last XXXX : XXXXXXXX XXXXXXXX The account that Ally Financial is reporting is identified as an " installment loan '' which is factually incorrect. The true account type for this account is a " credit sale agreement ''! I HAVE THE RIGHT TO AN ACCURATE CREDIT PROFILE AND DISCREPANCIES LIKE THIS IS UNACCEPTABLE. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY AND ITS ENTIRETY FROM MY CREDIT PROFILE. IF THIS ACCOUNT IS NOT REMOVED THEN I WILL BE CONTACTING MY FCRA ATTORNEY!
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| 05/20/2019 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
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- Opening an account
- Didn't receive terms that were advertised
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Web |
Older American |
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I tried to open an online CD account with Ally bank. Ally bank confused my application w/my partner 's account & had some wrong info I assume from a previous application I made a few years back. ( this should not happen/crossing accounts ) Then the " trial deposits '' didn't work, " insufficient funds '' because ALLY was trying to pull money from the wrong account ( 5X ) & I called & called, sent e-mails, posted on their XXXX XXXX page & all they do is say " I'm sorry, please call XXXX-XXXX-XXXX ... it's takes 20 min. to get a person & that person will not tell you how long they have been on the job while they are grilling me on security questions more than 4 ... I find this abusive ( their automated system says 5 min wait, then changes to 5-10 min wait after 5 min, then 10-15 min wait it takes 20 min! ... ..I spoke to 2 or more supervisors who told me mail the check in, I did, but never got a thank you, confirmation or receipt for the money. This has been going on for one month, & Ally bank is still making " trial deposits '' which has cost me over {$100.00} in bank fees for NSF! ... .It is real scary to me that the bank is so poorly administered. There seems to be a real disconnect between on-line banking, over the phone communication and e-mails ... this does not seem safe or effecient. I am appalled. This started XX/XX/XXXX, my welcome package from Ally was received 3 weeks ago before the deposit was yet to be confirmed????.
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| 09/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I recently reviewed my credit report and found unauthorized inquiries.
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code $ 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.
Under 15 U.S. Code $ 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX XXXX XX/XX/XXXX Ally Financial XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
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| 01/22/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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This is in regards the dispute I have against both XXXX and ally bank.
I do not own a XXXX account, and fraudulent ACH debits totally {$310000.00} were taken between XX/XX/XXXX to XX/XX/XXXX into a XXXX account with owner name XXXX XXXX, which I do not know nor associate with.
I received my latest statement in early XX/XX/XXXX, and I contacted ally in regards the unauthorized debits. I was advised I need to contact XXXX in an attempt to resolve the dispute charges, since my routing numbers/account numbers were used.
I contacted XXXX on XX/XX/XXXX and explained the situation. I was advised since I'm not the account holder, they could not provide further information, but they freeze the brokerage account with fraudulent deposits in question, and will attempt to reverse the transactions. I called back on XX/XX/XXXX and XX/XX/XXXX and I was eventually advised I need to dispute them directly with Ally Bank, since I'm not the account holder, and they will not reverse the fraudulent charges. I went back to Ally Bank and filed a dispute on XX/XX/XXXX, I was asked if I know or associate with someone name XXXX XXXX, I responded no, and I was advised I will be contacted if needed. I received a call from the fraud department on XX/XX/XXXX and and additional call on XX/XX/XXXX, during the phone call, I requested Ally Bank to contact XXXX directly to recover the stolen funds. I further attest I do not own nor benefit from a XXXX account.
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| 02/11/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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We were in a car accident XX/XX/2022. It is now XX/XX/2022 and we still have no resolution to anything. Our insurance company is XXXX. XXXX has been trying to get ahold of Ally Auto for over a week now to get the loan paid off as the car is totaled. Ally refuses to respond to them. Finally after several days of them trying to contact Ally with no response we ourselves had to do a XXXX way call to Ally with XXXX on the line to get them the information they needed to pay the loan off. Even after that, Ally said they are not going to respond to XXXX for another week. XXXX uses an electronic portal to resolve this kind of stuff with auto loan companies, and Ally does not. They wont speak to Ally over the phone, they will not call them, nor will they return calls when messages are left. Meanwhile, even though they know the car is totaled and being paid off, they refuse to do anything in a timely manner and are charging us more every day for the loan by purposely dragging it out. They will not lock in the amount due.
XXXX have repeatedly asked for a supervisor to speak with. They refuse to give us one. They say they are in meetings all day every day. The one time they did transfer us to one, the phone rings and then just hangs up the call. XXXX been able to leave a message with one supervisor, who did not call us back, and then we were given the phone number of another, XXXX XXXX ( 501 ) 821-8120. She does not return phone calls.
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| 10/04/2022 |
Yes |
- Checking or savings account
- Savings account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
Older American, Servicemember |
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On XX/XX/22, I checked my Ally Bank Savings Account and noticed a withdrawal from my Account in the amount of {$9800.00}. It was a Saturday, but I called Ally Bank and reached an Agent from whom I asked for an explanation of the transaction. She advised that it was an ACH Debit that had been initiated the day prior ( XX/XX/22 ) and the funds were being transferred to a Checking Account. I had no other Checking Account and I did not authorize any such transaction, and although I begged the Agent to halt the transaction she claimed that was not possible. I was notified XXXX days later of a provisional credit and because I had never authorized any transfer, I assumed the issue was resolved, which was not the case. On XX/XX/22, I received a letter stating the dispute was closed and the credit to my account would be reversed, which it was on XX/XX/22. I have included with this Complaint my two most recent letters trying to resolve the matter, but Ally Bank has not provided any evidence that I authorized or in any way approved this transfer, and the reason for that is simple - I DID NOT. I literally pleaded with the Ally Agent to reverse the transfer, but she refused to do so, and now Ally is claiming I initiated the transaction from my phone which is both incorrect and infuriating. Thank you for your kind attention to this submission, I am a XXXX Veteran and I need the funds at issue, so I am hopeful you can resolve this matter.
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| 08/13/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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1. I am writing to you today to resolve ALLY Bank ( XXXX # XXXX ) This account is related to XXXX XXXX XXXX, which was totaled XX/XX/XXXX.
a. The vehicle was insured by XXXX and a checking for XXXX was issued to ALLY on XX/XX/XXXX. ( check # XXXX ) b. There was an unpaid balance which was subsequently paid by the GAP insurance ( Though some extensive efforts ALLY received SAFE GUARD check and I was told by their employee it will be back dated to XXXX ) c. ALLY Bank utilize the XXXX check for monthly payments thus showing continued payment on this loan. My last payment to ALLY was in XX/XX/XXXX.
d. ALLY did not file for the GAP insurance payments until XXXX ( something they are responsible for ) e. Ally shows an incorrect balance on this account which should be XXXX and paid for without any late payments.
f. I spoke ALLY many times in XXXX trying to resolve this issue while I was deployed. I subsequently email XXXX XXXX. XXXX XXXX Executive Officer and Director, Ally Financial Inc. with no response.
g. I have contacted the three credit reporting agencies with supporting evidence and Ally subsequently place a higher balance on my account causing my credit score to drop several points.
2. Ally currently has two separate accounts on my credit profile XXXX ( showing charged off ) and XXXX ( showing late payments ) a. I had only one account with ALLY Bank!
b. Together these two accounts have ruined my credit for seven years.
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| 03/02/2019 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Banking errors
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Web |
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Situation : Ally had run a promotion ( Rules available at : https : //www.allypaybacktime.com/rules and attached in pdf form ). In short, it asked the customer to deposit up to {$100000.00} of " new money '' and Ally will pay 1 % of cash promotion on this {$100000.00} - The new funds deposited into the account ( s ) must be from outside the Ally Financial family of companies.
I had therefore, on XX/XX/2018 I had withdrew {$120000.00} from my CD to XXXX XXXX, then brought back the money to Ally a day later by buying two CDs, one for {$100000.00} and one for {$20000.00}. So under my example above and your own XXXX XXXX XXXX, this is {$120000.00} of NEW MONEY, of which $ XXXX should be fully applied to the promotion. ( Please see attached files for proof ) What's wrong : Ally had instead only paid me {$98.00} for the promotion. I had contacted Ally to tell them that under the way their rules were written, " new money '' clearly only means new money from a different bank ( e.g., if I had {$1.00}, I gave {$1.00} to my friend, my friend then gave the {$1.00} back to me, that {$1.00} my friend gave to me is " new money '' by their definition in their terms ). Instead Ally refused payment and arbitrarily said that the " new money '' had to bring my account above a certain watermark that was not mentioned in the actual terms.
As you can see other people have discussed Ally 's reluctance to pay at https : XXXX and at https : XXXX
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| 04/01/2016 |
Yes |
- Bank account or service
- Savings account
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- Account opening, closing, or management
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Web |
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On XXXX XXXX, 2016, I wired {$420000.00} in my Ally Bank account. The Federal Reserve Receipt for this wire, XXXX, clearly dates receipt of the funds by Ally Bank as occurring on XXXX XXXX. I contacted Ally Bank by telephone at XXXX EDT XXXX XXXX and again at XXXX EDT requesting that the funds be booked into my account on XX/XX/XXXX to prevent the loss of one day 's interest on the funds. On both calls, I was told the Bank could not locate the funds despite having been given the Fed Reference Number. The funds were subsequently booked into my account XXXX XXXX, resulting in the loss of interest in the amount of {$11.00}. To date, Ally Bank has refused to credit my account for the day 's loss of interest, despite evidence that the Bank received the funds on XXXX XXXX.
I filed a similar complaint against Ally Bank, Complaint # XXXX, for delaying by two days an Automated Clearing House transfer of {$150000.00} which occurred on XXXX XXXX, but was not booked into my account until XXXX XXXX, resulting in the loss of interest in the amount of approximately {$8.00} It is clear that Ally Bank is engaged in a pervasive scheme to defraud its ' customers by intentionally delaying booking the transfer of funds into its ' customers accounts in order to avoid having to pay interest on those funds. The savings to Ally Bank, and the loss to customers, is considerable given the number of fund transfers that occur over a long period of time.
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| 06/02/2015 |
Yes |
- Bank account or service
- Checking account
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- Using a debit or ATM card
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Web |
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Almost two weeks ago, Ally 's fraud prevention contractor called me about a potentially fraudulent purchase. I confirmed that the transaction was unauthorized, and then called Ally 's customer service to order a new card. Both times, I confirmed whether recent transactions were fraudulent or legitimate. Ally told me that the fraudulent charge would not post.
However, a few days later, the charge indeed posted, so I sent a message to Ally reminding them about our earlier exchange. After initially refusing to discuss the transaction over " secure messaging '', Ally claimed that the charge in question was an entirely different transaction, even though it was from the same merchant, on the same date, and for the same amount. Even though I thought we had resolved the fraud earlier, Ally insisted that I fax ( yes, fax ) some forms to them. After I replied that I had no easy access to a fax machine in 2015, Ally reluctantly agreed that I could instead email the forms " as a last resort. '' They confirmed my email address, and later said that somebody from their " executive response team '' would contact me.
A week and a half after the fraudulent transaction, I received the mailed forms, but apparently they forgot about the electronic copies that they said they would send me. I 've also yet to receive the promised call. It seems they 've lost interest in my case, though at least I 've finally received my replacement debit card.
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| 12/04/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
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Web |
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XXXX was closed out prematurely and inappropriately by XXXX with Ally. After my inital complaint regarding Ally prolonging my refund, they are doing it again. I received the initial check on XX/XX/2021. Ally received an additional payout from XXXX insurance of {$600.00} dollars AFTER the XX/XX/2021 check. Since I was forced to pay off the loan in XXXX due to Ally 's delayal tactics and refusal to do their job, they now owe me an ADDITIONAL payment. It took XXXX a week to find the {$600.00}. XXXX verified on XX/XX/2021 that Ally did receive the {$600.00} XXXX payment on XX/XX/2021 and that they owed me an additional {$600.00}. Now, the complaint has been closed with her stating they do not owe me {$600.00}. I have been told my multiple people at Ally, the refund would take anywhere from 10-60 days. I was told twice, the {$600.00} would be expedited and mailed within 14 days in XX/XX/2021. I can not get a straight, truthful answer nor have I received the refund 64 days later. XXXX, herself, stated it is normally 30-45 days. After the complaint was closed, I called and left a message on XX/XX/XXXX and have not received a call back. If XXXX can't complete this complaint in a TIMELY and APPROPRIATE manner, someone who can complete this complain in a TIMELY and APPROPRIATE manner needs to take over. I will continue to file complaints each time a complaint is inappropriately closed out until I receive the final {$600.00} payment.
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| 03/27/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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On XX/XX/2019 I went to look at new vehicles at XXXX XXXX in XXXX, TX. I gave the salesman my ID in order to drive a vehicle, but ended up not driving the vehicle after I realized he gave me false information over the phone. About 4 hours after I left the dealership I started getting notifications from credit bureaus that someone ran my credit at the dealership. I never filled out any paper work, never signed anything. In fact, I expressed my displeasure regarding the false information and told them I had no desire to purchase a vehicle from them. So, they ran my credit based on my Drivers License information. I know this because they used the address that was on the DL and it wasn't my current address. They ran it through Ally Financial, XXXX XXXX XXXX, XXXX XXXX XXXX. I just built a new house and didn't update it yet. I contacted the dealership the next day and they claimed to have mixed up my information with someone else and said they'd submit all the paper work to correct the issue. I've got 10 or so emails from the 'Sales Director ' ( XXXX XXXX ( XXXX ) XXXX ) stating he was taking care of it and he'd follow up. He hasn't followed up any and nothing has been done. I tried submitting disputes to the credit bureau 's, to no avail. This company is extremely dishonest and down right shady! They ran my credit to see if they could make me a good deal on a car, thinking that I'd buy one. Never do business with this company.
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| 11/02/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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I have a loan through Ally Financial. I recently went through the loss of a job so I had requested a deferment for 60 days. That was approved. I followed their instruction for the deferment and paid them {$320.00} on XXXX XXXX. I was to then wait for the paperwork and send it in as soon as I received it. I never received it - I called and they said they would send out again - again, never received it. I called them and they said that they would send it out again. Since there was another payment due in the meantime, I asked how that was going to be handled. They responded that there would be no additional charge and that I would receive my paperwork soon. It has been almost a month. I have called every day, I have got a different story and a different excuse every day regarding this deferment. I am extremely frustrated and I think they have been negligent by not being honest with me. I am concerned because my account says I owe and all I want to do is have this deferment be complete. I finally received paperwork - that was incorrect - they said that I should just sign that one and indicate on it that the amount was incorrect. I scanned it and sent it in ( not thinking it was a good idea to sign an incorrect document ), but who knew when I might get a replacement correct document. I just got off the phone with them now again and they said it is in progress, please wait 24-48 hours. I have been waiting over a month .... ARGH!
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| 02/11/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
Older American |
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I purchased a 2018 XXXX XXXX in 2018, which was financed by Ally Financial. I purchased Gap Insurance at the time of financing. The vehicle was involved in an accident XXXX XXXX declared a total loss. XXXX XXXX paid Ally {$27000.00} ; the amount calculated as the value of the truck according to their records. This amount did not satisfy the loan, so I followed up with Ally in reference to the Gap coverage. Ally proceeded to inform me that they did not hold the Gap Insurance and that I needed to contact them. I inquired as to the name of the carrier and several telephone numbers were provided. I contacted one the numbers and the assistor answered Ally Financial, this left me very puzzled. I proceeded to inquire about the procedure for filing a claim to have he loan satisfied ; the assistor advised of several actions and documents that I needed to provide and that I would probably need to contact the dealership for some of the information. I contacted the dealer, obtained the requested information/documents and forwarded to Ally. After a few weeks passed I contacted Ally to check the status. I was informed that it was still being reviewed and once a determination was made payment would be issued. A payment of {$51.00} was made toward a balance of approximately {$1700.00}. This amount is continuing to accrue penalties and interest as an unpaid balance. From what I was advised it is also being reported to the credit bureaus.
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| 01/30/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Money was not available when promised
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Web |
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On XX/XX/XXXX, opened Ally Invest account. {$2000.00} deposited in one transaction. Transaction shows successful under both accounts. {$2000.00} properly reflected in Ally XXXX.
On XX/XX/XXXX, Ally Invest account reflects {$0.00} cash funds. There was no activity in the account since the deposit. I wait 3 hours on phone and chat to talk to a rep. He can see the funds reflected clearly on his side, acknowledging I wouldn't be able to see or do anything on my side. He said he couldn't file a money transfer request through the system but put it through to have the money transfer done manually for XX/XX/XXXX. Confirmation email at XXXX. At XXXX, receive new emails saying, " We are unable to cancel previous day Real time Transfers. We ask that you withdraw the funds. '' On XX/XX/XXXX. Called twice. XXXX. XXXX min wait. Regular Ally Banking systems shut down, try calling back in an hour. XXXX, website/app back up, but all money transfer options were stopped in app and website. Second call, XXXX hour wait again to Ally XXXX. XXXX acknowledges same situation as yesterday, but is unable to fill any money transfer request. ( Apparently I could still have orders placed through a Live Broker. But the only way to get in contact is to be transferred through their main customer service line. ) By the end of the day money transfer services seemed to be restored, but Ally Invest account is still improperly showing cash fund as {$0.00}.
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| 02/08/2023 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
Servicemember |
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XXXX XXXX, I hope this email reaches you in good health and spirit. My XXXX card was hacked. Im not even for sure if all the over drafts are mines and despite I still fixed my account several times. It takes time for me to transfer money in to my account its no atm to put cash in. I feel that Im being discriminated against. The last negative on my account was only negative for 4 days I had no time to fix the {$18.00} it was not negative for 30 - 40 consecutive days. So Im confused on the charge off closer except Im being discriminated against. They are stating they are going to close my account and I been constantly fixing it despite ( because I didnt want my account closed ) if its mine or not due to the hack. I have had to get new bank accounts as well as credit cards due to the XXXX card hack and XXXX is aware. They advised they can not put a fraud alert on my account. They kept repeating the same thing to me like Im XXXX that my account will be closed despite me fixing it and that they are going to report me to XXXX XXXX. The agents ( supervisor ) had no empathy, understanding or anything they were extremely rude. They werent even listening to me. Im trying to rectify the negative ( over draft ) and explain my situation how my XXXX card was hacked and despite if the charge were mine or not I been fixing it. I really need to speak to someone that can help me and not discriminate against and speak to me like Im XXXX.
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| 09/08/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
Older American |
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i am sending you a copy of my payoff loan from XXXX XXXX XXXX. the payoff check was cashed by Ally Bank on XXXX. Ally Bank only applied XXXX to my account instead of the full amount of the check {$18000.00}. please correct this error by Ally Bank and close my account. ally Bank has already affected my credit worthiness as i have dropped XXXX points on my credit score which they also need to correct by sending credit bureau that this account is closed and paid in full. i was told Ally Bank that this would be cleared in 10 days on XX/XX/2022. well its been 10 days. i am willing to report this matter as a fraudulent act by Ally Bank as they still have not credited my payoff amount to my account and closed this account. also since they have not sent paper work to California XXXX. showing the new lien owners as XXXX XXXX XXXX they are in violation of that procedure by the California XXXX They need to correct their accounting error and apply the full amount and close my account. they need to contact the credit bureau and clear my credit report to show i am in good standing with my creditors. send the proper paper work to California XXXX to transfer lien title to XXXX XXXX XXXX, I have been dealing with this since XX/XX/2022 i have sent them proof of the the payoff check many times and have chatted with someone on their web site many times i have called and repeated their error to someone many times No results as of XX/XX/2022
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| 05/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Im complaining on XXXX XXXX and XXXX after they have told me to get a approved police repoRt that my identity has been stolen which took the detective 10 months to finall Approve my identity was stolen by an ex roommate and boyfriend of mines years ago they will not accept my documents i have been doing this for months and the detective did a thorough investigation for 10 months before he approved the police report i need ally financial to get this off my credit report asap the email address they have on file is incorrect to mines telephone number and bank account that the payments were made from didnt match my bank account at all..the address they have on file is not affiliated with me..they even have a password on the account that i can not identify which i have the recording of several agents i spoke too.i even advised all three credit bureaus that i can not speak to ally financial because i can not identify the correct information on the account and they still refused my police report and also ally financial refused to send me a fraud affidavit packet to have the detective fill out as approved investigationjust because a company can verify first and last name and date of birth and social doesnt mean that they acknowledge the account or have any affliction with it..i never even had license for over 5 years to even get a vehchile i have a medical condition/disablity i have a fraud alert on my profile for over 5 years
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| 12/29/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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For the past 5 months, I have been trying to get my title from Ally Financial for a car that I financed through them. According to Ally Financial, they issued my car title to a car dealership in XXXX North Carolina called XXXX XXXX XXXX after this car dealership requested the payoff. Hard to believe that a car dealership had my loan number and VIN number to make this request, it seems like they are running some kind of a scam if you ask me. According to Ally Financial, they have issued the title to my car for a payment of {$38.00} from XXXX XXXX XXXX, after I have paid $ XXXX in payments to Ally. Definitely looks like some type of fraud taking place between these two organizations. Ally has sent me a notarized letter of release of lien but the state of California will not issue title because XXXX XXXX XXXX has now taken a lien against the car. So now I have a car that I can't sell or drive because XXXX XXXX XXXX has liened the car out, if the car is totaled in an accident they would receive value of the car.
XXXX XXXX XXXX address is XXXX XXXX XXXX XXXX NC XXXX.
The title rep at XXXX XXXX her name is XXXX, phone number XXXX, according to XXXX the company doesn't have my title. If you didn't have my title and VIN information how could XXXX XXXX be able to put a lien against my car.
It is my belief that the Ally and XXXX XXXX have a scam going on, allowing XXXX XXXX to borrow funds against cars that they don't own.
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| 09/16/2016 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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Ally Financial XXXX made various phone calls to my home in XXXX and cell over 2-3 days from no. XXXX, left message without stating purpose or simply called without leaving message.
On XXXX/XXXX/2016 around XXXX XXXX I called the call back no. and spoke to a XXXX XXXX. She checked both my phone nos. that Ally had called and said they had no record of a debt owed them at either phone no., she could n't say why Ally had called me.
I then saw an email from my daughter that someone from XXXX had called my son-in-law asking for my contact information.
The next day XXXX/XXXX/2016 I called the no. given to my son-in-law, XXXX, x XXXX, and spoke first with " XXXX '', who said that they had been looking for a client with same ( very common ) first and last name as mine that they " had lost contact with '' in XXXX.
XXXX noted that he saw my locations in his database were XXXX and XXXX.
I then asked XXXX to speak to his supervisor, XXXX XXXX, who said it was customary for them to call all associations of someone when they have the same name of a debtor, even in this case where my locations did n't agree.
In fact, I have had my XXXX tel. no. for 8 years, and my XXXX no. for about 20 years, so I could not possibly have been Ally 's client in XXXX.
Ally Financial did not use publicly available personal data in a responsible way. They invaded my family 's right not to be disturbed by not using data in a professional way.
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| 12/11/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
Servicemember |
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My vehicle was resposed XX/XX/2019 . I was not 3 payments behind . I made a payment with my bank account on XX/XX/2019 which ally only attempted to withdraw on XX/XX/2019 at which point the funds were still availible . When I called regarding the reposession needless to say I was flabergasted becuase I made the payment and no one contacted me to let me know they were unable to recieve the funds. I offered to prove that the funds were available when they attempted to collect the funds and that I lost my card and recently informed the bank that it was lost , which could have cuased the confusion. Ally refused to give me the vehicle back unless I paid XXXX which I did not have at the time. Ally uncluded late fees in the amount needed to get my vehicle back . I have called and talked to more than person about this situation . I also asked them why they charged 12.5% interest when I had great credit at the time of purchase. I was in a dire situation whit time and was unable to hagle they were not forth comming with answers. I have exsplained to ally that If they ever have issues wit payment that I need to be contacted , they told me its the banks fault and I need to take that up with them . the law does not allow the lender to let me go with out being informed about a non payment . I have had the account for more than a year and have made several payment with the same account with no issue .
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| 12/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I recently discovered that Alley Bank had listed me as a co-signer for a vehicle without my knowledge or consent. I have never authorized, nor signed any documentation that would make me a co-signer for any vehicle, especially without my explicit consent. This unauthorized action has had severe negative repercussions on my personal and business finances. At the time when I supposedly became a co-signer for the vehicle in question, I was experiencing significant financial hardship with my personal vehicle, which was coincidentally tied to the same account. This situation has caused immense distress, particularly as it directly contradicts my intention to limit personal liability by conducting business as a limited partner with XXXX XXXX XXXX Furthermore, it has come to my attention that this unauthorized co-signing has adversely impacted my credit report, which has hindered my ability to conduct business with my personal assets. This erroneous listing has had a detrimental effect on my financial standing and has caused unnecessary complications. In light of these circumstances, I have sought legal counsel and have retained the services of attorney XXXX XXXX to address this matter. I am hereby requesting that Alley Bank rectify this issue immediately, revoke any unauthorized agreements, and ensure that I am not subjected to any further contractual obligations or harassment in relation to this unauthorized co-signing.
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| 05/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I had a vehicle that was totaled on the same day as the car note payment for that month ( XX/XX/XXXX ). I purchased full coverage through XXXX XXXX AND total loss protection ( gap ) insurance through XXXX XXXX XXXX XXXX XXXX. when I bought the car in spring of XX/XX/XXXX. I filed a claim immediately and my car was signed over to XXXX XXXX so they could handle the claim in its entirety. Now, Ally Bank has claimed that I've owed them {$330.00} ( which I don't understand because my payments were only {$230.00} a month ) and this has plummeted my credit score from a mid 700 to a low 500. I've been trying to resolve this for almost two years now and when I tried to call Ally about it, they either ignore me, hang up the phone, or keep me on hold for hours. I have submitted documentation of my insurances and a letter from my agent stating that XXXX XXXX took ownership of the vehicle, yet there still remains TWO " XXXXcharge off '' marks on my credit score for this same issue. From my research and understanding, once you get one " charge off '', that's supposed to be the indicator that a company has given up on trying to collect from a consumer directly and has sent the payment to collections. They also lied and said I paid them and was in good standing for three month of XX/XX/XXXX. The information is inconsistent and scattered and incorrect across all credit reporing agencies and I need it off my credit report entirely.
|
| 10/17/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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Case XXXX is for the amount of {$580.00} and case # XXXX for the amount of {$1900.00}. XXXX XXXX provides the following statement about Ally XXXX response to his claims : Ally Response - Issued case numbers for investigation, but on a phone call with the Ally dispute team, they twisted my words around. Be advised that Ally Bank would be subjected to California Business and Professions Code 17200 where it prohibits any unlawful, unfair or fraudulent business act or practice which allows restoration of money or property acquired improperly ( Fletcher v. Security Pac. Natl Bank ( 1979 ) 23 Cal. 3d 442, 451 ). Further, you may also be subjected to punitive damages if fraud is proven by clear and convincing evidence ( California Civil Code 3294 ( a ) ), in addition to prejudgment interest on damages ( California Civil Code 3288 ; Alliance Mortgage Company v. Rothwell ( 1995 ) ( quoting Nordahl v. Department of Real Estate ( 1975 ) 48 Cal.App.3d 657, 665 ) ).
In every contract there is an implied covenant of good faith and fair dealing by each party not to do anything which will deprive the other parties of the benefit of the contract. Sutherland v. Barclays American/Mortgage Corp. , 53 Cal. App. 4th 299, 314, 61 Cal. Rptr. 2d 614 ( 1997 ). A party to a contract breaches the implied covenant of good faith and fair dealing by interfering with or failing to cooperate with the plaintiff in the performance of the contract.
|
| 09/28/2021 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I, XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XXXX XXXX on XX/XX/2016. A consumer credit transaction in which a finance charge was involved. 15 U.S. Code 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX XXXX XXXX XXXX took cash. The finance charge is suppose to include insurance, but XXXX XXXX XXXX XXXX made me purchase my own insurance separately. XXXX XXXX XXXX willfully and knowingly failed to disclose vital information pertaining to the finance charge and also my right to rescind/request validation of the debt.
Ally Financial XXXX has unlawfully collected 52 completed payments from me on behalf of this alleged debt. Ally Financial has harassed me regarding this debt. Ally financial has abused my rights so be it pursuant to 15 U.S. Code 1692d. I have given Ally Financial an opportunity of notice to settle these violations civilly and in accordance with federal law. Ally Financial XXXX response was completely deceptive and misleading, following the willful neglect to validate the debt in a manner which is admissible pursuant to law as I requested validation of debt 15 U.S. Code 1692g. As the original creditor I DO NOT validate this debt therefore Ally Financial must remove the debt and provide remedy for the damages sustained by their willful an knowing violation of my rights. 15 U.S. Code 1692k.
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| 12/09/2020 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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My car was damaged severly, I made the decision not to repair car or report to my ins.co.the car was picked up less then 24hours after accident.when my towed truck went to pick up vehicle, the vehicle had been picked up by another towing company.Ally Fin. [ title holder ] contacted me around XXXX and asked me what was my intentions on picking up car, I advised them that I no longer wanted the car and I would continue to make ontime payments as agreed until paid off.I was advised by them that I would not be allowed to make online payments in the future and would have to XXXX XXXX payment.When I called on XXXX to get info on making XXXX.payment, I was advised that car had been repo from junkyard and I owed additional fees.At this point I did get a little upset and XXXX.payment was late maybe about 12 days.My complaint is I have a Repo on my credit report, also co-signer has repo on his report, I feel I didnot break agreement with Ally in any way, car was insured, not behind on payments ( I am still making ontime payments, If I was advised upon first phone call from Ally, that I would need to pick up car from towing company or I would face repo, I would gladly have done so, I would like to payoff original amount which is around $ XXXX.as of today and have repo removed from my and co signer credit report upon final payment.I am not behind on payments to this day.Your help in this matter is greatly appreciated.XXXX XXXX
|
| 12/02/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
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Web |
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I currently have an auto loan with Ally Financial. I am near the end of my loan and am ready to pay-off the loan. Now that I am ready to pay-off my loan, Ally has added late-fees to my loan. These 'late fees ' began in XXXX thru current. However, these fees never showed in the current balance due. When I contacted Ally for an explanation of these fees and why they were never included in my current balance due they said that as a convenience to their customers they put the late fees on the end of the loan. But as a customer it would have been easier for me to pay any late fees when I paid my car note each month instead of them accumulating any late fees thru the life of my loan and sticking them onto the end of my loan. I called Ally on XX/XX/XXXX in an attempt to pay-off my loan but the pay-off amount given online was not the same as the pay-off amount given my the CSR I spoke with at Ally. I requested that the late fees be waived since my current balance due never reflected any late fees and they Ally said that you can only request that late fees be waived once over the life of the loan and I exhausted that request in XX/XX/XXXX. But I was unaware that I had late fees so how could I request that my late fees be waived when I was unaware of any late fees on my loan? Also, my payment history shows several months of over payment of my loan but the over payment amount was never applied to the 'late fees ' on the loan.
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| 08/18/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
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Web |
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On XXXX XXXX XXXX I made an electronic payment to my Ollo card in the amount of {$520.00}. This would pay the card off in full. On XX/XX/XXXX Ollo debited my checking account in the amount of {$520.00}. The problem came in on XX/XX/XXXX, when they duplicated that debit leaving me a credit on my account of {$520.00} and my checking account was debited in the amount of {$520.00} XXXX separate times. I made an assumption that this was a mistake and would clear itself up, or that I would have access to the additional money through Ollo. I checked my account with Ollo and it showed that I have a credit on my account of {$520.00}.
Here is the issue : On XX/XX/XXXX, I attempted to use the {$520.00} and was declined. I called the customer service department and they told me that it would take XXXX weeks to get the additional payment back, there was no way to expedite the refund or give me access to the money any sooner. I find this to be a deceptive practice since they made no attempt to refund the over payment until I called and complained. I also find this to be unfair since they have my money and are refusing to refund it in a timely manner. They already have had that money for 7 days, they are stating that it will be another 14 days to get it back. Finally this is abusive as had I known that they were not going to give me access to the funds, I would have made a request immediately to have the funds returned to me.
|
| 01/22/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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Web |
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I purchased my car in XX/XX/XXXX. The loan is through Ally. I have had nothing but problems with this loan from the beginning. My payments were not being applied to the account in a timely manner. I resorted to mailing most payments by priority or certified mail. ( When I could do so. ) Again, a payment has not been posted to my account. This payment was mailed on XX/XX/XXXX. I have requested a " pay-off '' amount. Just to get this loan away from Ally. I have not received that as of today. Phone calls from this company originate from off-shore and I do not supply or confirm any personal self identifying information over the phone. ( Especially to someone located outside of the US, that is unable to speak and understand English in a clear or concise manner. ) There is approximately XXXX attached to this loan in late fee 's, which I believe is intentional on the part of Ally. I also believe that some of the actions by Ally, are due to my age and gender. ( Age and gender discrimination. ) I have never had as many problems with a company as I have had with Ally. I want Ally to furnish the requested pay-off amount, so that this account can be closed with this company as soon as possible. I am also requesting that a itemized statement concerning the late fees charged to this account, so that they can be compared with the postal receipts. Ally, needs to be investigated for the way they treat their older female customers.
|
| 05/02/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
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My home purchase offer in XXXX, CA was accepted on XX/XX/2019. With all the documents requested I provided in day one including, but not limited to, my tax returns, paystubs, bank statements and source of downpayment, Ally Bank/Loan Advisor XXXX XXXX helped me the rates and terms locked on XX/XX/2019 for the 30 years fixed. The closing date will be XX/XX/2019. Today XX/XX/2019, a merely more than one week from the closing date Mr. XXXX called me and my wife for urgent. Mr. XXXX stated in obscure and rude that the tax and insurance of my property in XXXX, CA have not been counted the right way. Apparently Mr. XXXX was pushing the responsibilities and consequences on me and my wife behind. Mr. XXXX told me that I have two options : 1. Ally Bank modifies my loan terms substantially and unfavorable to me and my wife from 3.875 % to 4.125 % fixed rate, from XXXX to {$3000.00} payment, and from {$650.00} lender credits to {$2900.00} loan fees. Or 2. I switch the loan program from the fixed rate to the ARM, which does not go with our financial plan. I can't trust Mr. XXXX anymore due to his poor practice, which I consider over-promising, unethical, misleading and absolutely not professional. I refused to work with him. I asked for the contact number of his direct supervisor and/or manager. He ignored it and continued his approach trying to convince me to go with either of his two options not favorable to me and my wife.
|
| 05/08/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Servicemember |
|
I financed XXXX XXXX XXXX XXXX through Ally. On XX/XX/XXXX the vehicle was involved in a accident that resulted in total loss. Ally was contacted by XXXX claims department and was payed {$14000.00} issued on XX/XX/XXXX. When I originally purchased the car, I also purchased GAP insurance. I first contacted Ally on XX/XX/XXXX when I started getting phone calls from XXXX XXXX XXXX in confusion when payment was received. I spoke with a Ally rep named XXXX who said " your account was coded wrong this should have been coded for total loss but instead it was coded collections. '' I have made several attempts by phone to get my GAP information so I can file my GAP claim to cover the remainder amount {$830.00} of the loan. No one at Ally including supervisor are of any assistance. I am always being told that no one can access my file to get the paperwork needed. Every time I call, I am forwarded to the collections department. Ally has falsely reported the account to collections which this has reported negativity on all 3 credit bureaus and no one is able to help me get the information I need to start Gap insurance process. I am constantly receiving collection calls from XXXX XXXX at XXXX XXXX XXXX. XXXX and I have discussed the paperwork I needed. XXXX said that he requested the paperwork from Ally, but that a lie. All I am requesting is this to be removed off my credit and the information needed to submit the GAP claim.
|
| 10/21/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
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I leased a vehicle from ALLY, paying all payments on time. In turning it in, ALLY lost the vehicle for several months. It sent me a final invoice that included rent for the months that the vehicle was lost, excess wear, mileage and excess taxes that ALLY paid incorrectly. I disputed the charges but ALLY could not provide back-up evidence, including the odometer statement showing mileage on surrender of the vehicle. Instead, collection calls immediately started-night and day. I discussed settlement of the invoice and I was told that would be possible. I sent an Accord and Satisfaction with a check that was immediately cashed, but aggressive and illegal collections resumed, including reporting to the XXXX credit bureaus. I called the ALLY CEO and General Counsel, but they will not return my calls. I sent them a letter advising that the company was violating consumer protection laws. I copied the executive compliance officer. The amounts due are inaccurate and collections violate the Accord and Satisfaction accepted by ALLY. One of the terms of the agreement was that I would retain a positive credit rating. The vehicle was turned in properly and all payments were made. ALLY is violating the terms of our agreement and State and Federal Consumer Protection laws. These intentional violations are a result of a " tone from the top '' of the executive leadership, including the CEO, General Counsel and Compliance Officer.
|
| 03/28/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
On Saturday XX/XX/22, My card number was stolen in some way. Two Transaction attempts occurred to XXXX in the amount of {$900.00} each time. The first was declined and the second was pending. I recieved text messages, emails, and phone calls asking me to verify these and a few other transactions. When I answered the second call from Ally 's Fraud department ( I had missed the first call ), I explained to them verbally that I did not make those two transactions and that I am not authorizing it. The person I spoke to, told me that the transaction would be stopped and that my card was frozen and a new card was on the way. I decided to call ally back directly within an hour to confirm that those things were done. I was told that the fraud department was stopping the pending transaction for {$900.00} and that everything was all set. Later I saw that the transaction had posted, I decided to wait and trust the people that I spoke with. Today I called Ally, they told me that they had not frozen the card, they had not stopped nor disputed the transaction even though they had records of my phone calls explaining that those transactions were not me and that I wanted them to be stopped or disputed, and that they had not sent me a new card exposing me to risk of additional fraud. The person I spoke to today did have records of at least my call into their bank so I can verify I spoke with Ally earlier about this on Saturday.
|
| 10/22/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
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XX/XX/XXXX Inquired with XXXX at XXXX about selling my vehicle. He called Ally on speakerphone to obtain a 10 day payoff quote. They told him that they only do 7 day payoff quotes. They gave him a quote for XXXX and said they would release the title within 7-10 business of receipt of the full payoff amount.
XX/XX/XXXX Came back to XXXX to make the final sale. They issued me a copy of the check for XXXX and XXXX ensured that the accounting department would send it to Ally within the 7 days.
XX/XX/XXXX Payment posted to Ally account for {$42000.00}, account paid in full 100 %, balance XXXX.
Approx. XX/XX/XXXX Payment still showing posted to Ally account for {$42000.00}, account paid in full 100 %, balance XXXX. Reached out to Ally and was instructed that my account was paid off and the issue was being sent to a care specialist to correct the issue and set my account at a XXXX balance. The rep told me that my title should be received in about 10 business days after he verified that all my information was correct.
Approx. XX/XX/XXXX Reached out to Ally via their message board : Received a XXXX payoff quote on XX/XX/XXXX. Sent full amount via check on XX/XX/XXXX. Payment posted to account on XX/XX/XXXX. I have called your company numerous times and there has been no resolution. Why is there still a remaining balance of {$82.00} on my account?
XX/XX/XXXX Ally now says I have a payoff for approx. {$920.00}
|
| 03/04/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
Older American |
|
On XX/XX/XXXX I received an email offer from Ally Bank saying that if I opened an eligible account by XXXX funded the account by XX/XX/XXXX and kept the funds in the account through XX/XX/XXXX I would receive a 1 % cash bonus up to {$500.00} on XXXX. I followed the prompts at the bottom of the email and opened a money market account XX/XX/XXXX and funded it with {$50000.00} on XXXX. I also deposited another {$15000.00} on XXXX On XXXX XXXX I called and asked where is my {$500.00} bonus. I was assigned a case number XXXX and told I would have a response in 7-10 business days. I called after 7 business days and again after 10 business days and each time I was not given a response. The second time I asked to speak to a supervisor. After a lengthy wait on hold I got to speak to a person named XXXX. He told me that they would not give the {$500.00} bonus because I did not enter a promotion code. When I clicked on " Get Started '' at the bottom of the offer, I simply followed the prompts and opened the account. No promotion code was requested or mentioned at all when I opened or funded the account. I believe that this is a very deceptive practice on the part of Ally Bank in order to avoid paying the bonus. I was told by XXXX that other people are in the same situation as I am regarding this bonus. I have saved the email offer and I can forward it to you at your request. I do not know how to do it on this platform.
|
| 08/15/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I purchased two couches from XXXX XXXX order number XXXX on XX/XX/XXXX. We were told that the couches would be delivered between XXXX and XX/XX/XXXX. In XXXX we received a notice that they couched had started to be built. In late XXXX we received a notice explaining how the inspection process would proceed. On XX/XX/XXXX we received an email saying they apoligized for not communicating well and that they were having difficulty with delays. Then on XX/XX/XXXX we received an email saying that the couch would be rshipped in late XXXX of XXXX. On XX/XX/XXXX I received an email from XXXX XXXX with a Notice of Assignment & Proof of Claim Form ( XXXX XXXXXXXX. ) I called XXXX XXXX and emailed them several times but received messages saying they were experiencing longer than expected wait times. On XX/XX/XXXX I filed my Proof of Claim form. I was told that many clients would still receive their couches and to wait. The date was pushed back several times. I finally received notice on their website saying my couch was not going to be delivered. Someone named XXXX told me to contact my credit card company to file a fraud claim. I had paid cash through my XXXX at Ally banXXXX. I filed a fraud claim and MasterCard and Ally both denied it saying that I did not file the claim soon enough within 90 days of ordering the couch. I did file within 60 or 90 days of receiving the notice but they did not consider that to matter.
|
| 03/10/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
ON XXXX of 2021 i realized a 30 day car late on my credit report for XX/XX/2021 by Ally Financial for my car lease, after reviewing my documents, i realized that this happened because the company failed to update my statement and didnt send me an statement for the month of XX/XX/2021, I reached out to Ally financial on XX/XX/XXXX of 2021 and I spoke to a representative and I complained they should take care of the XX/XX/2021 late reporting, since the companies neglecting of not sending me a statement resulted on the late, the representative told me she will take care of it and with 45 days I will see a change on my credit report, however after 45 days I called again to see if there is an update and there wasnt any changes or note in this matter, so I asked for a supervisor, and the representative transferred me to a supervisor by the name XXXX XXXX and after discussing with her the above issue she promised me she will send the right documents to the credit bureaus to remove the late mark on my report, and I will see the change within 30 days, after that period I checked and there was no update I called back the supervisor XXXX and she agreed that the company failed to send the document to to the bureau and she apologized for this, however we up now to 71 days and there is no result and ally financial representative and supervisor agreed with me that they failed by taking care of the issue in the right time.
|
| 11/28/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
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On XX/XX/XXXX and XX/XX/XXXX my debit card was fraudulently charged. There were XXXX transactions totaling {$630.00}. XXXX transactions for {$39.00} and XXXX transactions for {$110.00}. I disputed all XXXX transactions on XX/XX/XXXX.
On XX/XX/XXXX I was notified that XXXX of the XXXX transactions had been ruled in my favor, but XXXX transaction was deemed legitimate. On XX/XX/XXXX Ally withdrew {$110.00} from my account as a reversal of the previous Provisional Credit.
On XX/XX/XXXX I called to discuss this with Ally and was told there was no appeal process, but that I could request documentation that Ally used to make their decision. I made this request and was given reference # XXXX. I waited the XXXX business days stated but never received the requested documentation I called back on XX/XX/XXXX and it took XXXX minutes to finally reach a point where I just had to submit another request that was identical to the XXXX. This was given reference # XXXX.
I asked to speak with a supervisor who then spoke with " back office '' and was told that the original request was fulfilled and the information had been emailed, after it was clearly stated the information could only be sent via the postal service. Regardless, I never received an email with the documentation.
This process has been cumbersome and Ally appears to have made misleading and false statements while not producing the required documentation.
|
| 11/01/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I submitted a deposit transfer on XX/XX/XXXX of {$250.00}. The transfer request says " we withdrew funds on XX/XX/XXXX and Ally did take this money from my other, non Ally savings account. Ally then closed my account, and refused my paycheck that I had set up for direct deposit. In late XXXX, XXXX a customer service rep said that this should not happen and that I would receive my paycheck.
Now, on XX/XX/XXXX, I found the account was closed and I can't access my paycheck. I spoke with XXXX, and after multiple five minute gaps, she responded and basically said " we closed your account. '' No new info, and didn't seem to have read the chat with XXXX. She escalated to XXXX, who also wasn't able to help, but did assure me that I would NOT be receiving the {$200.00} account opening bonus -- but would I like her to submit a request to reopen my account ( which would take XXXX days and I wouldn't have my paycheck... ) At minimum, I think the transfer request of {$250.00} should have been blocked or not processed if the account will be closed. Thankfully I have other cash available, but for some people this could be a really big issue -- no paycheck and Ally even took additional money out of my savings. It would be different if the money was never withdrawn from my other account -- a little bit, but to close an account with a pending deposit ( and an upcoming paycheck deposit that XXXX acknowledged ) feels wrong.
|
| 04/19/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
This checking account is our business checking and I sit down monthly to do our books. At that time I noticed a {$500.00} charge on XX/XX/XXXX that stated it was a business to business transaction with Ally Bank that stated my name XXXX XXXX XXXX. I have not connection with Ally Bank and if fact have never heard of them until this happened. I tried to find out about the transaction and XXXX XXXX customer service was not much help so I decided to go down to the branch and speak with someone. As he was looking at our account we noticed another one that day earlier that looked exactly the same but was for {$470.00} on XX/XX/XXXX. We called in to ALLY to try to get more information about the transactions with the trace numbers and Ally Bank couldn't give us any information on those transactions and had no idea who I was and didn't have my name or ss number in their system. It is very apparent that someone paid 2 bills fraudulently with our business bank account number and we want our money back. Because it was an ACH transaction the regulation states that it needed to be caught within XXXX XXXX because it was a business account and even though it was fraudulent, would not be able to give us our money back. In the past when I have ever done any type of transaction like this I had to do multiple verification process and it is crazy that someone can have our bank account information and pay their bills so easily.
|
| 11/16/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
Due to a divorce, I was late with my car payments from XXXX XXXX and my vehicle was repossessed. I spoke with a customer representative and paid the amount I was told needed to be paid ( {$2200.00} ) in order to get my vehicle back and make the account current. Once I was financially stable, I continued to make my monthly payment on time through EFT ( based on due date and grace period given by Ally Financial ). In XXXX XXXX, I noticed that my monthly statement started listing late fees and I called to inquire as to where these fees were coming from. I was so concerned that I actually made XXXX payments in XXXX XXXX and XXXX XXXX, to insure I was up to date with all my payments. After numerous attempts to get an answer, I sought out assistance through a financial counselor. The counselor also attempted to call and straighten the matter out and was first told that all my payments for the past 7 months were a month late and that is where the late fees were coming from. While looking at my current statement and the payment history the company had provided me, the counselor asked customer service about my XXXX XXXX payment and was told it was paid on time and in full ( which tracking back through my payments means I am not a month behind but current on all my payments ). Customer service has never been able to fully explain where the late fees originated and my monthly statement does not show that I am behind.
|
| 10/03/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- High-pressure sales tactics
|
|
Web |
|
|
XX/XX/2023 XXXX XXXX XXXX of XXXX, XXXX Not only ran too many Credit inquiries sometimes to the same Finance company, But they sold me a Service Contract that I made extremely clear I did not want to purchase. When I put my foot down the Finance XXXX XXXX, insisted Ally Financial required a Service Contract.
After my Hospice visit to XXXX, I returned to XXXX and called Ally Financial who informed me that I should not have been forced to purchase a service agreement, nor was it a prerequisite for them to accept the Loan.
XXXX DOJ Consumer Relations contacted this Dealer and negotiated an adjustment.
The Dealer did not re-write the Loan Contract, but instead sent a Check to them for {$1800.00} ; negating the Taxes on this amount.
I sent an email to the Manager and he refused to rewrite the Loan, by saying " not gon na happen ''.
XXXX also failed to asked whether I would prefer to pay cash for the Registration Fees, instead they included this inflated amount into the Financing.
Now I am paying an inflated Interest Rate Due to multiple inquiries ; undue finance charges due to unnecessary charges.
And, the Dealer had me driving with an expired Temporary Tag because they did not register the Vehicle in a timely fashion. I had to get XXXX Dept. of Motor Vehicles to get this Dealer to provide me the Tracking # so the XXXX DMV to trace my documents.
A complete stressful, nerve-racking nightmare.
|
| 05/31/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Servicemember |
|
I received a buyout from Ally Financial ( Ally ) for my lease of a XXXX XXXX XXXX. This buyout quote was for {$31000.00} and was XXXX through XX/XX/XXXX. The check was placed in the mail on XX/XX/XXXX with tracking services through XXXX. The check was awaiting pickup at the post office on Sunday XX/XX/XXXX at XXXX. Ally did not pick it up this day, presumably because it was a Sunday and therefore not a business day per Reg CC ( ex. XXXX XXXX XXXX holidays ).
Ally assert that they received the check on Monday XX/XX/XXXX. When I realized the check did not arrive until XXXX day later I chatted with them through their online portal to confirm this would be okay. On XX/XX/XXXX XXXX XXXX from Ally informed me that there would not be a late fee until XXXX days after the due date of XX/XX/XXXX.
After posting the payment to my account and showing a XXXX balance ( paid off ) they have now added {$240.00} to the amount owed. There is no way I could've know about this fee or how to avoid it since they did not inform me of it when I reached out and it is not in my contract. I assert that this fee is Unfair and Abusive due to the excessive amount and the fact that it was not disclosed.
They are calling it a settlement fee and I have asked them to help me understand what this is and how they have the right to charge {$240.00} for a check being received on the first business day after the calendar day that it was due.
|
| 05/22/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
|
I have a master card with OLLO and on XX/XX/2023 my wallet was stolen while at XXXX XXXX grocery store and immediately thereafter the thieves used my credit card, went across the street to XXXX and charged {$500.00} for presumably gift cards. OLLO notified me immediately that the charges were suspicious and I confirmed this and told them the card was stolen. The store manager confirmed on their video two men stole my wallet out of my purse. I filed at XXXX 's report immediately and they were going to XXXX to look at the videos. OLLO said that only two of the charges went through and then the others were attempted but denied. I have been talking to OLLO customer service and fraud dept at least every week to get this resolved. Finally they said today that they are sending me a letter reversing only two of the charges even though I was charged for four.Previously when they told me this I sent them a screen shot of my statement showing that {$500.00} was charged 4 times for a total of {$2000.00}. Today the fraud services person actually confirmed this when we went through the math but still refused to say I wasn't charged. I'm very frustrated with them and would drop the card except they are being bought out by Ally Bank ; a more reputable one but I don't want to have to deal with the new bank and want OLLO to settle this. It's been almost 2 months! Hopefully you can resolve this for me. Thank you in advance.
|
| 01/12/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I have been on hold with Ally for over two hours. I was hung up on four times after waiting over 30 minutes each time. They want you to call in to get help but I can not go through this any more. I was told Ally would help me with some sort of payment assistance. I can not stay on any calls because I keep getting hung up on and then the new rep doesn't know what the first rep was doing and I get put on hold and then hung up on consistently. I am very disappointed in Ally Financial. The rep for the CFPB complaints told me about this supposed relief program but you can't get a hold of ANYONE because you keep getting disconnected. The rep for ALLY that handles the CFPB complaints was certainly condescending and didn't offer much by way of who EXACTLY I could reach and did not offer any extension that I could call. I have tried for TWO hours to make arrangements so that I could catch up my account. I believe the rep for the complaints lied to appease the CFPB and does not really care about whether you can keep your car. I do not believe they want you to get through and do not care if you actualy speak with someone. I am going to speak with the Attorney General 's Office in Virginia and let them know that Ally should be considered a predatory lender and not be allowed to offer loans in the state of Virginia. They should be considered predatory and on the same level as check cashing and installment loan places.
|
| 09/06/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I called on XX/XX/XXXX to make my payment has agreed to. I know that I have had a hardship and trying to catch up with my payments. When calling on XX/XX/XXXX at XXXX XXXX, I was giving the run around transferred around and around told we can not help you. When I asked why am I being transferred around so much and being laughed at. I still was advised that i can not help you. I asked if they treated all customers like this. I spoke with more then 4 plus reps. Finally i asked is it because of the status of my account or the color of my ethics back ground I was then transferred to a very nice young lady who helped me. I was on the phone from XXXX until after XXXX before I was help. Im very unhappy with the service and how I was treated. Im doing everything I can to get my account on track but should not get the run around that I received. If i could refi with another company I would. This is not the first or second time this has happen to me. This time Im tired of being treated like dirt, so I decided to complain this time. The last rep I spoke with on XX/XX/XXXX was very professional and could teach the other rep how customers should be treated. Im just putting this complaint in now, because I also have health issues that I have to tend to and did not have time on the XXXX for they had my XXXX XXXX up. Im also a XXXX patient that should not be under a lot of stress. Being behind is stressful enough for me.
|
| 09/06/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
Car loan is with Ally Financial we purchased a XXXX XXXX XXXX : Issues : 1 - I requested Ally to note my account that I would be paying my car payment bi-weekly. Yet we were bombarded with phone calls mid-month for the full payment 2 - late charges were added to the account after the bi-weekly payment 3 - When paying using Ally 's online system it would take weeks ( 2 to 3 ) before the payment would be taken from my bank account 4 - If the payment was called-in it would take weeks ( 2 to 3 ) before the payment would be taken out of my bank account 5 - Payments made through XXXX XXXX status of processing for weeks My mother and I are on the loan, I am the co-borrower. Unfortunately, my mother had to file bankruptcy. We received a Consent Order Modifying Automatic Stay and Co-Debtor Stay indicating that payment had not been made since XXXX XXXX and in order to keep the car we would be required to make monthly payments of {$960.00} from XXXX XXXX to XXXX XXXX.
I contacted XXXX XXXX in XXXX requesting a payment history for all payments for my Ally account number. XXXX XXXX customer service first told me that the verbal request was all I need but when my mother contacted they required a form be filled out. We submitted the form on XXXX XXXX. XXXX XXXX questioned my mothers authority to request the payment information, we resent the form with both our information.
We have yet to receive the payment history.
|
| 07/28/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
The XXXX cadillac was wrecked XXXX/XXXX/XXXX. Ally was notified on XXXX/XXXX/XXXX that the car was total loss by XXXX insurance. At that time the insurance company requested the necessary documentation for the title. I completed my POA and returned to XXXX before XXXX/XXXX/XXXX. On XXXX, I received a call from Ally 's collections department. I advised the rep of situation and stated the check should be sent to pay off the debt. I called XXXX on XXXX, they stated all the documents had not been received and that Ally is known to send half of the information however the rep stated would request again. I received another call from collections and advised them again that this was to be taken care ... long story short - I have been on the phone with Ally and XXXX for several hours each week to get resolution. Finally on XXXX a check was over night to Ally. I get collection call on XXXX from Ally, I ask why are you calling a check was sent and signed by XXXX XXXX on XXXX at XXXX. Of course no body knows! Then I am finally told it takes 2 to 3 business to post payment. Ally 's customer service is horrible and this should not reflect by credit history negatively. I should not have to spend hours on the phone regarding paper needed to pay off a loan. This type of procedure should be common procedure that loan companies and insurances deal with all the time, but ever one just wants to point the finger at the other.
|
| 04/16/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
After searching online for a used hybrid vehicle, I found one that suited my needs and went to the auto dealer to test drive the vehicle. I expected to proceed with the process of purchasing that day with a down payment. I knew my credit score beforehand, which was rated excellent by XXXX of XXXX credit bureaus ( XXXX, XXXX ). However, upon running the credit check with the finance company, they initially declined me credit, being unable to produce a score. The reason the dealership surmised was because credit finance companies only look back at the last 7 years on a buyer 's credit report. My credit history is at least 16 years, with my last paid loan being a student loan from a year ago. The finance company wanted more down payment from me, which I increased by 33 %. They finally offered a loan, but at an interest rate of 10.1 % at 72 months. I was expecting a rate of about 4 % at 60 months. Given that my own bank had earlier declined me an auto loan as well, and given the reasons I discovered at the dealership, I took the loan, being told to refinance it after 6 months of on-time payments. What 's more, the sales representative who sold me the car said to open a few credit cards, even secured ones at first, to re-establish open credit, for which I currently have none. He said it should help in having the credit companies see how responsible I can be with credit, gauging it by my debt-to-credit ratio.
|
| 08/02/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Servicemember |
|
Ally Financial secured the vehicle in XXXX of XXXX and has continued to report the same amount owed. In communications where we have requested the accounting, receipts, notice of sale, information relative to cure, etc. we have simply received notations that the matter is closed. We have also asked for the original contract and further communicated with all three consumer bureaus relative to who they spoke with that verified this false information. We have been stonewalled and continue to receive an answer that the debt is verified with no documentation or substantiation. We have continually made good faith efforts to discover the disposition of their recoupment, how this has impacted the alleged balance and further why they have not followed any of the NC laws related to repossession, but instead opted to continuously, purposefully and willfully report inaccurate information that has damaged my credit reputation. The balance of {$11000.00} is grossly inaccurate subsequent to the recoupment. This balance has been reported for over two years ( since XX/XX/XXXX ). The payment history is also inaccurate. In fact, when we disputed the information, they illegally updated their records and renewed their false reporting to the bureaus. We allege that they have engaged in false and deceptive business practices. They have admitted as much publicly as they have been the subject of litigation for this very issue.
|
| 01/11/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
To start off, I want to make it very clear that I have never applied for a loan with Ally and never will. My mortgage was purchased by them around XX/XX/2019. My loan was serviced by multiple companies, but my last 14 month have been a living XXXX. I have not been able to get a clear answer from a single person, on any level of the company, including from office of the president. Company can not clarify how some of my checks have been deposited, they have no clue why my escrow balance, according to them, goes up and down like a roll a coaster, why I am being charged interest for payments that are being held up for a month. I have made a simple request, to provide totals for my payments, portions that went to interest, too principal and to escrow. For the last two month I wasted hours and hours of my time on the phone, and apparently, Ally doesn't like dealing with immigrants, which I am, even though a proud Citizen of the US. I have been played for a fool for longer time that is acceptable. I feel it is criminal to treat customers like that and discriminate so blatantly. I have no choice but to refinance my mortgage, just to escape this nightmare, which would cost me thousands of dollars. If company is not willing to cover these costs, I am planning to seek legal help, to remedy that, in addition for torture and discrimination, but feel government has to stop Ally from hurting even more people like me.
|
| 03/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
In response of an Ally Financial Bank letter that I recieve on the XX/XX/XXXX via NORMAL mail ( not 2 days mail or priority mail ).
see attach documents.
ALLY Financial Bank send me a letter dated on the XX/XX/XXXX with an advidavit form to be filled and to be notarise and stated that if I do not send this advidavit letter/form in 15 days from the date of the letter Ally Financial will report to the credit agencies that this account is legit, Well how the heck do Ally Financial think that in less of 5 day I will do all of this ( from XX/XX/XXXX to XX/XX/XXXX is already 10 days ) ... THIS IS THE KIND OF GAMES Ally Financial Bank is playing with me since day one of my first dispute.
For more than 8+ months ( 240+ days ) I am disputing this account direct to Ally Financial and via the 3 credit reporting agencies, requesting any SIGNED contract between my person and Ally Financial and documents that proof that Ally Financial had the right or my autorization to sell all my Confidential Private information to Portfolio Recovery Assosition, as SSN, mail adress, Names, phone number, birthday date etc etc.
WELL NOW IF IN 15 DAYS FROM THE DATE THAT ALLY FINANCIAL SEND ME THE ADVIDAVIT FORM/ LETTER REQUEST ( XX/XX/XXXX ) I DO NOT RECIEVE ALL THE REQUESTED DOCUMENTS THAT I AM REQUESTING SINCE 8 MONTHS AGO I WILL NOT HESITATE AND WILL FILE A LAWSUIT AGAINST ALLY FINANCIAL BANK IN MY MUNICIPAL OR LOCAL COURT.
|
| 12/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I was leasing a XXXX in 2020. We returned the XXXX on XX/XX/XXXX, ahead of our deadline of XX/XX/XXXX. Later, we received notification in the mail from Ally Financial of late fees assessed against us for late return of the XXXX. On XX/XX/XXXX, I spoke on the phone with an Ally representative and explained that they wrongfully assessed late fees, and they explained I needed to provide proof. I provided proof via email the same day on XX/XX/XXXX and received no response. I followed up again on XX/XX/XXXX and again on XX/XX/XXXX with proof of our having returned the jeep on time, and received no answer from Ally. Eventually, I was contacted by debt collectors and my credit score suffered from derogatory marks ( Date unknown ). My husband spent hours on the phone with Ally financial on XX/XX/XXXX trying to get this issue resolved, and they said to call back later to follow up on this issue, but they would remove the charges and have this resolved. Later, my husband followed up and I found out that they had cancelled the outstanding balance but failed to go back and correct the historically inaccurate information which is still negatively affecting my credit score. I had warned them if this issue was not resolved I would be filing a complaint with the CFPB. I have already spent hours on the phone getting transferred from Ally rep to Ally rep and would prefer to avoid suffering through that process again.
|
| 12/29/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
To whom it my concern : I extended my credit to ALLY BANK for a consumer credit transaction on XX/XX/XXXX. I the consumer and natural person, was denied credit by ALLY BANK when I applied for a XXXX XXXX XXXX. Tried reaching out to ALLY BANK regarding the denial even when stating the laws and the violations they stated that they couldnt discuss the discussion and that I would need to talk to the dealership.
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. I as the consumer feel as if I'm being violated under the law of 15 USC 1691 ( d ) ( 6 ) For purposes of this subsection, the term " adverse action '' means a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested.
As I have proof that i was discriminated against by ALLY BANK due to the response I received. ( see attachments ) ALLY BANK is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I the consumer made an application in good faith but credit was not issued Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of ALLY BANK
|
| 01/31/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
I asked ALLY Bank close 4 No-Penalty CDs on XX/XX/2023. They did not close the accounts in 1-2 business days as promised. Some of the CDs took 6 days to close and one is still not closed as of today ( three weeks later ). I asked that the money from the closed CDs be transferred into a savings account at ALLY bank that paid a higher interest rate. Because the CD closures were delayed, I was paid a lower rate of interest on that money than I should have. I called many times asking them to rectify the situation and as of today, it still has not been resolved- despite the ALLY Bank agent saying that the Bank will correct the situation. I suspect that I am not the only customer who ALLY Bank underpaid interest. Most people don't notice or are too busy to chase them down. I have spent several hours on the phone and emailing them.
If the CFPB investigates ALLY Bank, they XXXX find that ALLY Bank has a pattern of keeping money that is owed its customers. The ALLY Bank agent I spoke to said ALLY BANK has been understaffed. To rectify the situation, perhaps the CFPB can prevent ALLY from accepting new customers until it shows it has adequate staffing and can maintain proper internal controls. Or, perhaps ALLY Bank should be broken up into smaller banks that would be easier to manage. If there were more smaller banks wouldn't competition increase, so the quality of service in the industry would improve?
|
| 11/20/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Web |
Older American |
|
What Happened?
I signed an Auto Lease with XXXX, Ohio, dated XX/XX/XXXX, that was instantly assigned to Ally Financial, the writer of the lease. The lease was a preprinted Ally SmartLease. At Lease End, Ally 's Appraiser allegedly appraised the vehicle and determined there was excessive wear and tear ( Paragraph 25 ) of {$290.00} because there was a large paint run and excessive bondo on the right front fender. PLEASE NOTE : The vehicle had not been painted and no bondo had been applied to the car.
Per Paragraph 35 ( b ) Ally was required to sell the vehicle. No Sale Occurred. Instead Ally transferred the vehicle to another XXXX dealer using the bogus appraisal as the realized price. PLEASE NOTE : The car was driven 11,000 miles less than the lease provided and the new dealer marketed the car as " certified vehicle '' in excellent condition. I constantly, and continually, raised these issues during my 20+ phone contacts with Ally representatives. Despite my protests and denial of liability, Ally notified all three Credit Bureaus that I had incurred a bad debt. Ally 's actions were designed to damage my excellent credit score. Ally 's actions constitute blatant, intentional consumer fraud designed to extort money from me. These actions represent a continuation of Ally 's pattern and practice of consumer fraud. Note : Copy of Lease can be provided although it copies poorly ( blue carbon paper ).
|
| 08/21/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
On XX/XX/XXXX I received a fraud alert text message. This text message didn't feel safe, so I checked my account. There were multiple fraudulent transactions.
I ended up calling into customer service at XXXX MST as I get up early for work and ended up waiting over an hour on hold to talk to anyone. When I did they told me they couldn't dispute the fraudulent charges until they posted and canceled and sent me a new card.
When I got the card a few days later, I couldn't activate it. The activation line was not working. I ended up trying their chat, which wasn't answered for 17 hours. Another over 12 hours later another customer service rep got ahold of me in chat and activated my card.
This is all background info and would have just been customer service and management issues up until this - when I complained and asked why I couldn't get customer service for my all online bank I was straight lied to by their representative. They told me that the bank had recently run a popular promotion and that's why there was a shortage of reps. The next morning, I started seeing complaints and new articles online where a large amount of others all from the same bank were complaining about fraud charges. The bank also put out a public statement online saying this was a problem for all banks and nothing was systematically wrong, which seems obviously misleading and unacceptable for a financial institution.
|
| 10/18/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
This issue has persisted for multiple years despite several attempts on my part to get Ally Auto to fix the problem.
Ally Auto XXXX Ally Bank sends out emails every month who's subject ( and body ) claim : " Weve received your vehicle payment. '' and " Your vehicle payment was successful. '' However, the emails do NOT indicate that the payment was in fact received and successful. Instead they indicate that their internal systems have initiated the automated payment ACH process.
As a consumer, I receive that email and think " great! everything is ok. '' However, if the ACH payment fails for some reason ( e.g., timing of your deposits to your account vs their withdrawal ), you don't get notification of that until 9+ days later, at which time they then charge you with a late payment fee.
That late payment fee would have been avoided if they did not originally claim that the payment was successful, causing you to take your eye off the account thinking everything is ok.
I have repeatedly told their customer service people that they need to change the wording of those emails to read " We have initiated the payment process '' or, that they wait until the payment has IN FACT been received by them before they tell you the payment is " successful. '' I have been charged several late payment fees due to this, and I suspect they don't want to fix it because it's a net benefit to them not to do so.
|
| 07/07/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American |
|
From : XXXX XXXX, REALTOR ( XXXX ) XXXX Attn : Ally Financial - Legal Dept Hello Ally Financial XX/XX/2019 : {$8600.00} > Ally Financial > paid off our > LOAN # : XXXX. We did not consent or not informed except we received a letter telling us balance paid in full. As ofXX/XX/XXXX.
We actually have no loan. We have received no statements since XX/XX/2019 or contacted in any way.
We had a " XXXX BALANCE ''. LOAN : In reality we financed {$12000.00} - XXXX Paid {$7200.00} up toXX/XX/XXXX.
This leaves a balance due {$5100.00}.
Ally now tells us the payoff is {$9000.00}.
" Ally Financial '' has three distinct sets of violations unlawful auto loan servicing, illegal debt collection, and violations of Fair Credit Reporting Acts.
Ally Financial - Loan Servicers are not free to charge unauthorized fees or change loan terms on their own, which is what Ally Financial has done in our case.
Misrepresented how much we ( XXXX ) owed, assessed higher fees than allowed by contract or state law, changed key payment provisions, and flat-out overcharged us.
Ally Financial increased XXXX balances through a combination of human error, poor quality control, Philippine errors, and faulty computer programming.
We have been attempting for over 180 days to call Ally Financial trying to correct their mistakes with no result.
Please help us with this gross violation with Ally Financial.
Thank you, XXXX XXXX
|
| 01/14/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I completed an extension with Ally Auto Finance on or around the XX/XX/XXXX I was told to pay a total amount of {$230.00} on or before the XX/XX/XXXX. I also was advised that i would receive a document confirming this in the mail. To simply sign the document and send it back and no payment will be due until XX/XX/XXXX. which then only a partial payment would be due. I received the document on XX/XX/XXXX us mail and i signed and returned this back via us mail. I then began getting collection calls shortly after. I then spoke to them 3 times via telephone and advised i sent the document back and have made the payment and i do not understand why they keep calling and reporting i owe them a payment. They said the extension has not been processed and that i would need to pay more money and do another extension. I advised i am not going to do that it is not my fault that they have not processed it. I paid what i was advised to pay and yet they keep calling. I then reached out twice via chat and confirmed the department has been notified to update this information. however they still do not show that i have the extension done. I then was told that they will continue to collect and call until it is processed. They keep telling me to call back in 2 days and now i feel that they are doing something unethical and wrong. They were paid as agreed to and now they are not holding up their end of the deal.
|
| 07/26/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
Servicemember |
|
On XXXX XXXX, 2017, Ally Bank executive customer relations XXXX XXXX stated her company adjusted my account {$630.00} in compliance with the settlement entered by Ally Financial , Inc., the Consumer Financial Protection Bureau ( CFPB ), and the U.S Department of Justice ( DOJ ) by subtracting it from my original agreement for the purchase in accordance with section 2 ( e ) of the contract signed. However, section 2 ( e ) describes Our right to purchase required insurance if you fail to keep the vehicle insured ( see attached ) nowhere in the section referenced is the statement ( in part ) you agreed that we may subtract any refund from what you owe. I believe Ally is confused with the difference between settlement and credit. The definition of legal settlement In law, a settlement is a resolution between disputing parties about a legal case, reach either before or after court action begins. The term settlement also has other meanings in the context of law. The definition of credit verb add ( an amount of money ) to an account Therefore I am requesting Ally show documented proof that they have the authorization to disperse settlement funds by subtracting it from the original loan agreement, and proof the funds were applied to the account by a copy of the loan activity record. If no credible justification can be provided a check in the amount of {$630.00} be sent in my name to my home address.
|
| 02/28/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On a letter date XX/XX/18, Ally sent me a bill for {$1200.00}. I fully reject this as not being valid. A ) There is/was no excessive wear to the vehicle ( {$540.00} ) B ) Sales tax on excessive miles/excess wear and tear if false ( mileage was significantly below what was allowed as per lease agreement ( {$47.00} ) C ) Total Daily Extension Charge is false as the only reason the car was kept past the date in the lease is because Ally, for 4 months lied to both myself and my mother ( the person who was going through the lease buy out ), dragged its feet throughout the process and is guilty of fraud against and elderly woman. They scared her into thinking the car was going to be repossessed on a phone call and she drove that day to the dealership to turn the car in. The {$620.00} listed for that charge is their own fault. If they proceed in taking this matter further, I'm going to district court to file a countersuit in the tens of thousands due to all of the lost money paid into the vehicle for the lease. The process was initiated for the lease buy out in XXXX and in XXXX the lied to my mother ( whose primary language is not English ) and scared her into surrendering the car. This is after I have proof in an email that the buy out application was approved. Given that I am in MA, that is the only reason I haven't filed a suit against Ally already. Now I will have to take time off to sue them.
|
| 03/11/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American |
|
My XXXX XXXX XXXX XXXX was purchased by me on XX/XX/XXXX ; from XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX/ Web-site XXXX. Sales : XXXX My Car payments are due on the XXXX of every month ; beginning XXXX XXXX.
Transactions DATE SORTED BY DATE : DESCENDING.
XXXX XX/XX/XXXX One-Time Payment Completed {$550.00} XX/XX/XXXX Reallocations Completed {$0.00} XX/XX/XXXX One-Time Payment Completed {$550.00} XX/XX/XXXX Payment Processing Center Completed $ XXXX/gap coverage was returned to the bank ; the bank applied that money as a car payment ; I never ask the bank to do that ; the bank also charged me XXXX for the return of the gap money. The gap money should have been deducted from the original {$36000.00} loan amount.
This is the original amount I financed and does not include finance charges.
{$36000.00} amount XX/XX/XXXX One-Time Payment Completed {$550.00} Cash down payment XXXX was not applied to the loan ; yet, it's on the contract. the bank told me that they never got the down payment.
The daily interest rate on-line is % 7.0 on the contract it's % 6.99. I have made all payments on the car prior to the agreed due date ; which is the XXXX of every month. The XXXX payment for some unexplained reason was not reported ; now the bank says I am behind in my XXXX payment ; that a false accusation, I have never missed a payment ; if anything I pay early to reduce the compounded interest rates.
|
| 09/03/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
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I purchased a vehicle from XXXX and at the point of purchase, I was asked to set up auto pay which I did. Fast forward 2 months and my first payment was due on XX/XX/XXXX. I received communication from Ally Auto stating " Thank you for scheduling your payment for XX/XX/XXXX '' I assumed that because I received that email, I am good to go and my first payment will be deducted from my account.
Two weeks go by and I did not see a withdrawal from Ally Auto. I logged into their online portal and noticed the past due amount. I immediately made a payment for the month of XXXX and XXXX. I made that payment on XX/XX/XXXX. I assumed that will take care of the balance. The very next day, Ally threw in a {$21.00} late fee on the account. Even after their gross miscommunication regarding the auto pay, I made a payment at the XXXX day deadline required by them to avoid a late fee. I have been unjustly charged by Ally Auto and demand a refund for that late fee.
I tried calling Ally and their first rep hung up because she could not hear me. I called back again. After 20 mins and transferred to their " supervisor '' I was hung up for the 2nd time. I explained in detail with professionalism that I should not have been charged this late fee. When I pointed out that I was still within the 15 day window, she hung up.
I tried calling back and it was a busy tone. I was unable to get passed automated system.
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| 10/10/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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In regards to a complaint with Ally Financial and the case being closed because the replied is at it seems. The first complaint was never responded with proof by mail or thru the CFPB. A request for accounting per GAAP regulations, which a consumer is completely entitled to. Ally representative sent a copy of a document which does not qualify as accounting is not proper verification. Upon looking and reading over the Contract, Ally Financials name was not placed anywhere on the document. Also while looking at the document there was no reference to Ally Financial placing a signature on this document. In the response all of the documents were not attached, missing was the Recission of signature document, all of the instruments that were sent to to Ally a the responses stating they do not accept payment in that form.
Attached is a file claiming the account shows a Charge Off status. This has been done without any authentic real proof of claim. Four notarized Authentic documents sent to Ally by Consumer with no valid response. It is difficult to do any transaction or contract when there are two completely different entities involved. Ally Financial being a legal entitiy, a corporation in a different juristiction registered with government agencies. and other corporate entities. This being a natural person, physical person, with proof of being born in a juristiction not like the corporation.
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| 08/04/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
Older American |
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XX/XX/2019, I helped the girlfriend ( XXXX XXXX ) of my stepson, buy a car using MY CREDIT, she was co-signer to get her name on loan, financed through Ally Financial.
All was proceeding as planned until XX/XX/2019, talking with my banker, he asked why my credit score had dropped. I looked into this, found out that Ally Financial was attempting to repo the car for non payment. Ally Financial had all my credit info, home address, phone #, email, but nobody ever tried to contact me for payment or anything. After I found this out, I personally paid the past due amount to get the loan current. Ally Financial ruined my Credit, dropped from XXXX to low XXXX because of this. After arguing with Ally Financial, they said they were only allowed by law to remove 1 month negative from my credit. My score is still only at XXXX with XXXX, I am in need of loan, because of this Pandemic and Ally Fin won't do anything to help me get my score back up. I think it's outrageous that someone can ruin your credit without their Collections Dept doing they're job and reaching out to me when payment was late the 1st month or anytime after that. Ally Fin collections said they tried to reach me, last 4 digits of phone was XXXX, should have been RED FLAG, bogus number.. Last 4 digits of my phone is XXXX
Vehicle was wrecked, totaled and loan has been paid off in XXXX.
Any help you can provide would be appreciated.
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| 08/19/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
Older American |
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I have financial dealings with Ally Bank. On XX/XX/XXXX there was a {$10.00} fraudulent withdrawal from my checking account. The amount was not significant, but it prohibited deposits to that account ; it seems that my card had been cloned.
I disputed the charge. Ally did not respond and I sent a secure message to them. Their wait times for telephone contact are over One Hour ; their Chat fea ture has repeatedly informed me that my " session has expired '' ( this was months ago ) and complaints made by me were never successfully addressed.
I have hundreds of thousands of dollars with this bank and being unable to contact them to order a new debit card for my convenient checking account is beyond comprehension.
The charge in question is this : XXXX XXXX XXXX XXXX, TX, XXXX - {$10.00} - {$6.00} XX/XX/XXXX I have no idea who this is ; there is no information on search engines, and Ally has not responded since I disputed the charge on XX/XX/XXXX.
For whatever reason, Ally 's 24/7/365 phone contact is now HOURS of waiting, and the fact that I am unable to CHAT with them and have never been able to resolve that issue, I am reduced to filing this complaint.
In order to change a PIN and/or order a replacement card, one has to CALL them. Even secure messaging is unacceptable according to them. Other than waiting hours for phone contact, I am given no reasonable option.
XXXX XXXX XXXX
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| 06/09/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
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Ally Bank arbitrarily FROZE my account on Friday afternoon XXXX XXXX with no warning or explanation. I called and the fraud detection department personnel gave me no information. I have called daily since it was frozen. Finally investigator XXXX, as no one gives last names, told me it was about a wire recall. The sender said he did not recall the wire and he said he called his bank, XXXX and they did not recall it but Ally is saying they did. So I authorized them to just return the wire funds and open my account. Still a week later after the wire was returned and nothing. They give you no explanation and tell you it takes as long as it takes to investigate the account. First it was 3 days then it was up to 30 days then it was 30 days or longer now it Takes as Long as it Takes. These are the answers I have gotten.
Meanwhile all my money is locked up and my bills have bounced, my credit has tanked, and I have had accounts closed for non payment. I even had one of their agents LAUGH at my distress on the phone. He thought it was so funny. I am angry that they can lock me out of my account with no warning and No preparation. Angry that it has been almost 3 weeks. Who can go 3 weeks with No funds? I have opened a local account so that I can go and speak to a person when I have an issue. I chose Ally for convenience and that has bit me in the XXXX. I highly recommend NO ONE USE ALLY BANK!!
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| 05/09/2018 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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- Other transaction problem
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Web |
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Dear Madam, Dear Sir On Thursday XX/XX/XXXX an international wire transfer was initiated from XXXX with the intent to transfer money into a Ally Bank account. The money was wired to the following account : Receiving Bank : XXXX XXXX XXXX XXXX, XXXX.
ABA/Routing Number : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX SWIFT Code or Bank Identification Code : XXXX Beneficiary Account Number : XXXX as in accordance to Ally guidelines for receiving wires from a non U.S. bank However, the sender of the money made an incorrect entry into the " further credit '' field which is required to correctly forward the money into the intended Ally account Correct information : XXXX XXXX XXXX XXXX Information as incorrectly entered by the sender : XXXX XXXX XXXX XXXX Further information : wired amount : XXXX ( euros ) unique transaction ID as per the sender 's bank : XXXX sender 's full name : XXXX XXXX sender 's account number : XXXX sender 's bank : XXXX XXXX XXXX XXXX All attempts of the sender 's bank to stop the transfer proved unsuccessfull. The money left the sender 's bank account. Despite obviously incorrect recepient information, Ally Bank does not cooperate in the process or returning those funds. Multiple calls to the customer care hotline resulted in straight up conflicting responses on when and if the money would ever be returned. As of now, Ally Bank more or less kept the money.
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| 04/01/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
Older American |
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Ally offered a cash bonus program : enroll by XX/XX/XXXX, confirmed by email move money by XX/XX/XXXX, moved {$50000.00} on XX/XX/XXXX keep money in account thru XX/XX/XXXX, confirmed 1 % bonus ( XXXX ) to be paid on or by XX/XX/XXXX Corresponded 4 times with Ally on why I have not received my bonus payment this is response I keep receiving : Dear XXXX, Thank you for taking the time to contact Ally Bank. It is my pleasure to assist you today. I apologize for the delay in my response to your message and any inconvenience it may have caused Thank you for contacting us to let us know about your negative experience with Ally Bank. I apologize for any inconvenience that may have been caused. Customer satisfaction is important to us, so we take all complaints very seriously.
I am sorry. Your inquiry is being researched. Due to the popularity of the incentive and specific nature of the inquiry, we can not provide a turnaround time at this time. Your request is a priority, and it will be worked in the order in which it is received. Your reference number is XXXX.
We appreciate your business and want to thank you for choosing Ally Bank. If you have any additional questions, we are here for you XXXX hours a day, XXXX days a week, by phone, Live Chat, or Secure Messaging. Our toll-free number is XXXX ( XXXX ) or you can visit us online at ally.com.
Sincerely, XXXX Customer Service Ally Bank
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| 06/16/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
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Frequently, my bank, Ally Bank, will unilaterally halt activity on my debit card and force me to call them, authorize via a set of security questions, and receive an XXXX message on my phone to unlock my card.
There is no way to change this setting or configuration on my account.
I live in a wooded area which sometimes has poor cellular reception. Without the XXXX message to my phone, Ally will not unlock my debit card, despite proving authenticity with my social security number and security questions.
If I am not lucky enough to receive the XXXX message, they refuse to unlock the debit card. I must wait to speak to a person in an office which is only open during bank business hours and which has a special phone number only accessible through frontline support.
Through this new policy/program, Ally is actively and frequently denying access to consumer funds for absolutely no reason.
This occurred on the following dates : - XX/XX/2022, a transaction for less than {$100.00} was declined. I moved money into the account to address this issue. Shortly thereafter, they decided to lock my debit card unilaterally and required the process described above.
- XX/XX/2022, a transaction for less than {$100.00} was declined. I moved money into the account to address this issue. Shortly thereafter, they decided to lock my debit card unilaterally and required the process described above.
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| 11/18/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Other transaction problem
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Web |
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There have been numerous problems with the Ally investment trading platform which/witch led to a heated interaction after rude customer service representatives were inept and escalated the unwanted exchanges. Then after Ally said to close ALL my accounts in a letter I contacted them with ALL the information to do so into a XXXX account. However, they said the transaction was reversed BUT wouldnt say why and claimed there was no explanation upon checking with that department in yet another unwanted interaction their ineptitude created. THEN I was told they automatically mailed the checks instead creating a checks in the mail dynamic I never would have authorized! I would at very least used an express tracking service. I allege unscrupulous actives as regards their trading platform AND harassment in relation to their not performing the transfer after being provided the information potentially also trying to facilitate the checks theft after they obtained the other banks account information without using it.They also should have tried multiple times to perform an electronic transfer without just sending checks which/witch should then have been sent via an express tracking service utilizing carrier. ALSO, in a letter saying to close my accounts I was given less than a full month to even do so based on the date their letter was created and sent and the date I am expected to do/due so by.
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| 05/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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In XXXX, I entered into an auto loan agreement with Ally Financial for a new XXXX XXXX XXXX. The interest rate was very high. However, over the years, I maintained payment in good standing.
This year, on XX/XX/XXXX, I sat down with XXXX XXXX in XXXX Illinois for the purpose of paying off the ENTIRE balance owed to Ally Financial. This included 8 remaining payments and whatever additional amount that constituted a total balance. XXXX XXXX and XXXX XXXX initiated a conference call with Ally Financial to verify the remaining number of payments for the XXXX and what constituted a total balance owed. Accordingly, on XX/XX/XXXX, on the call with Ally Financial, they ( ALLY ) confirmed the balance owed and acknowledged payment from XXXX XXXX ( SEE EXHIBIT 1 ). The agreed-to transaction was completed.
However, by XX/XX/XXXX, ALLY Financial reported a missed auto loan payment to XXXX, XXXX, and XXXX. The resulting harm was an XXXX drop in my credit score. ( SEE EXIBIT 2 ) Today, XX/XX/XXXX, I contacted ALLY Financial. The call taker denied any knowledge of the loan for the XXXX being paid off. They showed me as still owing a past due amount and a remaining 8 payments contrary to the XX/XX/XXXX conversation and transaction. I also called XXXX XXXX ( the dealership ) and they agreed to call ALLY again to confirm the XX/XX/XXXX transaction and to stop treating this consumer as delinquent.
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| 11/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I should not have any late payments reported on my credit report due to Covid-19 becuase I was affected by the coronavirus pandemic.
ALLY Financial is reporting inaccurate late payments on my consumer credit reports. ALLY Financial is not complying with the Fair credit reporting Act 15 U.S code 1681s-2 ( F ) Reporting information during COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period.
( II ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.
XXXX, XXXX and XXXX credit reports show late payment of 30 days from XX/XX/XXXX to XX/XX/XXXX. XXXX, XXXX and XXXX show 60 days late. A late payment can't be 60 days late.
No report was made for XX/XX/XXXX on all three credit report.
Ally financial has violated several FCRA laws.
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| 11/27/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
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I bought a XXXX and financed {$73000.00} in XX/XX/XXXX, I had missed a payment and Ally extended to the end of the loan, again in XX/XX/XXXX, I made the late payment fees and interest payments as they told me, then Covid hit and I like most people took an income hit, I called Ally and they told me just go online and hit button for payment assistance, I did and it gave me like 3-4 month extension and some smaller payments they said I think was late payments or interest which I paid and my payments would go back to XXXX on XX/XX/XXXX. I paid XXXX, XXXX, XXXX, and XXXX now noticed my balance hasn't changed since XX/XX/XXXX at all. I have paid XXXX in payments and not XXXX dollar went to principal and I supposedly already paid all late fees. They said because I got a 4 month extension for covid which rolled payments to end, did not waive them that all of the XXXX went to interest only, I asked well when does my payments start to go to principal again and they tale me they can't tell me till I pay them and it starts going to principal. So far in this loan since XX/XX/XXXX - XX/XX/XXXX, I have Paid {$18000.00} in payments, all payments missed still rolled to end and not waived, but only {$3600.00} of this went to principal I no way see this being legal, agreed too or even ethical, please let me know if this is correct and I can sent contract and payments and dates all payments posted.
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| 10/09/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Other transaction problem
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Web |
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Hello, My name is XXXX XXXX. I closed a CD on XX/XX/XXXX with the amount of XXXX with Ally bank. The first check was returned back to Ally bank in order to issue another check.
I contacted Ally bank on XX/XX/XXXX, and the bank manager XXXX said that the check was sent on the same day.
I contacted Ally bank on XX/XX/XXXX that I did not receive the check. Ally bank confirmed with me the check was not cashed out. I requested Ally bank to make stop payment, and transfer the money to my other bank. Ally said that it would contact me on XX/XX/XXXX, but they never did.
I contacted Ally bank manager, XXXX on XX/XX/XXXX and requested that they should transfer my money for me today, but they refused to pay my money back if I did not fill out the loss and found affidavit with notarization.
I asked Ally bank manager XXXX why I should fill out their affidavit form since they confirmed that the check was never cashed out. They could make a stop payment and pay me right away. With Covid pandemic, I was going to look for the place to notarize the affidavit form in order to get my money since they knew they still had my money.
I believe that Ally bank is trying to keep customer 's money longer without paying interest in order to do their business.
I would like to get the problem to be solved as soon as possible. I am looking forward to hearing back from you soon.
Best Regards, XXXX
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| 04/03/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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In XXXX XXXX, I returned a vehicle I had been leasing since XXXX and purchased a XXXX Pontiac G8GT. From XXXX XXXX - XXXX XXXX I made my monthly payments of {$500.00}. I believe there was XXXX instance that my payment was late but stilling paying within that month. When I purchased the vehicle, I elected to buy a new car warranty as well as Gap insurance. In XXXX XXXX my vehicle was parked outside my home and was rear ended by a XXXX high school girl distracted at the wheel. My vehicle sustained over {$17000.00} in damage and was deemed a total loss. At the time of the accident I carried full coverage insurance through XXXX and also carried Gap insurance coverage. My insurance company paid over {$21000.00} towards the vehicle because the girl at fault was uninsured. The remaining balance of approximately {$850.00} should have been covered by the Gap insurance I paid for monthly. After all deductions made and refunds calculated Ally sent me a statement advising me that I owed the above balance. How is that possible? The entire reason I purchased Gap insurance was to cover additional costs not covered by my personal insurance company. I disputed this with Ally for several months. Ultimately, fighting a losing battle I paid Ally The REMAINING balance they claimed I owed. At which point, ALLY proceeded to report my account as a charge off. Which negatively affected my credit rating.
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| 07/10/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem making or receiving payments
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Web |
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Hello, I work with a company overseas. They use XXXX transactions to send money.
My bank is Ally Bank. Ally apparently does not have their own XXXX code, they use a code through XXXX XXXX. This seems to be the heart of the issue.
I worked very carefully to get all of the information to give the company from Ally. I gave it to them as directed. But my transactions never came through.
The sending bank XXXX XXXX in XXXX XXXX made two separate transfers.
1st payment : XXXX XX/XX/XXXX for XXXX Euros 2nd payment : XXXX XX/XX/XXXX for XXXX Euros As far as what the told me, the money did not come back to them.
I called Ally on many many occasions.
I called on XX/XX/XXXX I called on XX/XX/XXXX I called on XX/XX/XXXX. This time they told me they needed the 'tracing number ' of the original payments. I called back a week later with the tracing information.
I called again on XX/XX/XXXX I called again on XX/XX/XXXX I called again on XX/XX/XXXX Ally escalated it to an executive resolutions team. The executive resolutions team did an investigations and told me that they will not be able to do anything.
XXXX said that they would only begin an investigation if the receiving bank requested it. Ally refuses to look into this matter any further.
Right now, I have over 400 Euros sitting in an account somewhere and Ally ( my bank ) refuses to send an e-mail to XXXX asking where it is.
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| 10/25/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
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On XX/XX/2022 I received a voice message from Ally regarding our car loan being delinquent. I called them back later that day. I was told by the representative that the account was delinquent by {$1000.00}. I explained that I would make payment by Monday XX/XX/2022. I was asked if I would make a payment of {$1000.00} by XX/XX/2022 THREE times. I affirmed my answer all three times.
On XX/XX/2022 I created an online user name and accessed my account. The account showed over {$1700.00} delinquent. I made my payment of {$1100.00} on XX/XX/2022. I noticed a remaining delinquent amount of {$190.00} and {$530.00} in late fees. I made the payment for the {$190.00} on XX/XX/2022. I called Ally on XX/XX/2022 and asked for an explanation of the difference between the delinquent amount from {$1000.00} on XX/XX/2022 to over {$1200.00} on XX/XX/2022. I received no response. I also requested a waiver of the late fees since my account was now current. The representative indicated that he would submit that request but a maximum of {$37.00} could be waived if that. I find the late fees to be draconian since the account is now current and the interest being charged is nearly 11 %. The ever-changing balance seems to be suspicious as well. They indicate that they record phone conversations. I'd like to review the conversations I had with them and know why the amount due changed over only 3 days.
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| 08/15/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Getting a loan or lease
- High-pressure sales tactics
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Web |
Servicemember |
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Hello, On XX/XX/2022, I, XXXX XXXX, sent Ally Financial an AFFIDAVIT OF TRUTH / AFFIDAVIT OF RESPONSE FOR CEASE AND Consumer Enforcement as Administrative Counter-Claim by Private Right of Action and a notice of violation of the Truth and Lending Act and XX/XX/2022 and to their Agent. Their response was that documents I sent was not legally binding to them and that the Affidavit was not a proper form of payment but that is not what I intended nor the outcome I wanted. I have sent and asked for Upon the discovery of the fraud, deception, and many violations pursuant to 15 USC 1681p there is no statute of limitations on the discovery of fraud. The gross deception in the contract which involves violations of the Truth in Lending Act 15 USC 1601, violations against ECOA 15 USC 1691, violations of Discrimination 15 USC 13, violations of False and Misrepresentation 15 USC 1692e, violations of Deceptive forms known as the Retail Installment Contractor Agreement to 15 USC 1692j. Finally, once XXXX XXXX XXXX XXXX had benefit by taking advantage of me, they then unlawful assigned/self of my contract which was my private Negotiable Instrument to Ally Financial for their profit. In exercising my consumer rights, Ally Financial then proceeded to violate 15 USC 1666e by restricting my payment account and threatening to repossess my vehicle and can be held liable in court under 15 USC 1693m.
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| 08/06/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with the interest rate
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Web |
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My payment due date is on the XXXX of each month. I made my XXXX payment on XX/XX/XXXX for the full amount {$360.00}. My statement indicates that although my payment was paid before the due date, that Ally Financial charged me a late fee of {$34.00}, and that NONE of my payment was applied to the principal, but instead the entire {$330.00} remainder of my payment amount was assessed to finance charges.
In addition, Ally Financial offered a COVID-19 deferment, and accepted an agreement to allow my auto payments to be deferred for a period of 90 days. At the end of that period I resumed full, on time, actually early, payments only to have the payments during the deferred period reported to the major credit bureaus as late, thereby inaccurately & unfairly adversely affecting my credit worthiness during a time of economic disaster.
These practices seem likened to the PREDATORY LENDING described online from a reported XXXX Justice Department and Consumer Financial Protection Bureau investigation into predatory lending practices affecting minorities.
I have been a long time customer, have been paying of this {$14000.00} auto loan since XXXX, the balance does not seem to move despite a few late payments in earlier years, due to the 23.40 % interest rate, and I find this as well as the distribution of my most recent, and potentially other payments, both concerning and egregious.
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| 04/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
Servicemember |
|
Ally financial is the company were having problems with Ally financial is reporting to the credit bureau for my wife and I that we were 30 days late on our XXXX XXXX and 30 days late on a XXXX XXXX when I called financial I told them that I have two letters from my credit union stating that this was a error of theirs. The air was that my wife and I have automatic bill pay and there was a glitch in their bill pay system which calls the payments to be late to Ally financial I have spent six months trying to get this problem resolved I have been told that this was going to be taken off my credit report then they said it wasn't going to be taken off the credit report I have faxed six sets of this letter as they requested in the still no avail Their customer service is been very poor and in accurate it seems like the left hand doesn't know what the right hand is doing since this was not an error of my wife and I and I provided documentation and proof that it was not our fault we've asked them to remove these derogatory comments off of our credit report which are hurting my wife and I 's credit score. I happened like two numerous times and have been treated like a third class citizen for something that we didn't take part in our credit report is good but it has taken a beating for a credit score I really need your help in trying to straighten this out because we are at wits end now
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| 03/05/2023 |
Yes |
- Checking or savings account
- Savings account
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- Closing an account
- Company closed your account
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|
Web |
Older American |
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While my complaint doesn't 'fit ' exactly within the parameters of the fields I 'chose ' for this complaint, I believe that it would still fall under the purview of the CFPB.
In XXXX of last year, i.e., 2022, I closed accounts with Ally Bank. I earned more than {$10.00} in interest combined between my checking and savings accounts they should have sent out by XX/XX/XXXX a 1099-INT. I waited until XX/XX/XXXX to contact their customer service line knowing that forms can be delayed on the receiving side. When I spoke to the customer representative I explained that while my accounts were active, I could have downloaded the forms I needed online but now that the accounts were closed I could not and had not yet received the 1099-INT. The representative spoke with a supervisor who indicated they would have to 'manually " generate the form and I should receive it within 7-10 business days. They provided me with case # XXXX. The 10 days 'receipt ' period expired on XX/XX/XXXX and as of yesterday, XX/XX/XXXX, I still have not received my 1099-INT. This is preventing me from accurately completing my 2022 tax filing.
I also wonder that if this happened to me, then how many other former customers at Ally have not received their 1099-INTs and whether or not those interest dividends have been reported correctly to the IRS. This is very concerning to me personally but also as a tax payer.
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| 12/30/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
Older American |
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Ally Bank has not transferred the money from a CD to another bank despite meeting their every request. Every time I comply with their request they require an additional information. I have spent hours with them on the phone. It appears to me that this may be a failed bank that doesn't have money to wire out. I've talked to three different people over eight days and each time I'm told a different story. I offered to drive to Missouri from XXXX, Ohio where the bank is located but the bank people I spoke with say there is no physical place to present myself. The Ally Bank website says they wire money out money the same day after verification. The people at the bank always create a new roadblock. I faxed my driver 's license to them and received a verification from my fax system but they said they can't locate the fax. Then they told me it takes them 24 hours to receive a fax. The next day, after 90 minutes on the phone with the bank people they told me I have to know the phone number the fax was sent from. My fax is attached to my office phones and its a roll over system so I don't know the fax number. Then they told me my signature doesn't match my driver 's license signature so I had to sign the form again like the signature on my license and send it on their " secure '' email system. XXXX ( employee # XXXX ) ALLY floor supervisor, said he doesn't know who regulates his bank.
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| 09/03/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
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I recently received a copy of my XXXX and XXXX credit report and I notice there is an unauthorized credit inquiry made by : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX, 2016, Ally Financial XXXX XXXX XXXX XXXX, MN XXXX, XXXX, XXXX XXXX, 2016, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA,XXXX, XXXX, XXXX XXXX, 2016, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX, XXXX XXXX, 2016, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX, XXXX XXXX, 2016, XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Attn : Credit Bureau Dispute Resolution Unit XXXX Mail Coded : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX, XXXX XXXX, 2016, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX, 2016.
I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. In addition, the creditor that provided documentation for credit inquiry to give authorization to review my credit worthiness. Did not provide an opportunity for me to clearly understand what I agreeing to. The credit inquirer 's authorization form was too complicated and not easily understood in language I would understood. I am requesting you initiate an investigation into : XXXX XXXX, Ally Financial, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX inquiry to determine who requested this credit inquiry.
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| 08/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Dear Consumer Financial Protection Bureau, I am writing to formally dispute certain information on my credit report based on my rights under the Fair Credit Reporting Act ( FCRA ). The specific sections I am referencing include : 15 USC 1681 Section 602 - This section establishes my right to privacy. The information being reported violates this right as it inaccurately represents my financial behaviors.
1
5 USC 1681 Section 604 - According to this section, a consumer reporting agency may not furnish a report without my written instruction. I have not provided such instruction for the items I am disputing. 15 USC 1666B - This section states that a creditor may not treat a payment on a credit card account under an open-end consumer credit report for any reason. The items I am disputing seem to violate this provision.
The following items on my credit report are inaccurate and need to be addressed : ALLY FINANCIAL - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX I ask that they be removed or corrected on my credit report. If these items are verified, I request written documentation that confirms their accuracy.
Thank you for your attention to this serious matter. I trust that the CFPB will ensure my rights under the FCRA are upheld and that this dispute will be handled with the urgency and seriousness it deserves.
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| 07/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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My company vehicle was unlawfully repossessed by Ally on XX/XX/2023. In order to regain possession of the vehicle the following week, I was compelled to make payment for XXXX months ' worth of installments, along with a repossession fee, a sheriff receipt fee, and a late fee. Despite Ally 's claim that I was in arrears, consistent payments have been made via certified cashier 's checks since XX/XX/2023.
Notably, all five checks were endorsed and deposited into Ally 's XXXX bank account ; however, only two of the checks were credited to my account ( XXXX and XXXX ). I diligently contacted customer service on a monthly basis regarding this matter, yet they persisted in asserting non-receipt of the checks, even though I possess bank records indicating the dates of deposit and Ally 's bank details.
Had Ally not committed a clerical error by neglecting to promptly credit my account, the entire repossession situation could have been avoided. I made every effort to resolve this matter through communication with customer service, but their calls have been repeatedly redirected to a " redemption center. '' At this point, I already made excess payments to reclaim my vehicle, rendering any further discussions with the redemption center unneeded.
Their conduct amounts to consumer theft, and I will initiate legal proceedings if they do not promptly address and resolve this matter.
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| 03/14/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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Web |
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I am the POA for my XXXX father who suffers from XXXX. He sought out medical assistance for neuropathy with a company called XXXXXXXX XXXX XXXX XXXX in XXXX XXXX, Illinois. My father thought he was seeing a physician based on a TV commercial and didn't realize this was holistic treatment and not covered by his insurance. When I realized this from his showing me the intake paperwork, I informed him that the office was not part of his medical coverage. Unbeknownst to me, he continued to seek treatment from XXXXXXXX XXXX XXXXXXXX XXXX. After receiving a call from their office inquiring about an email address for my father, I was told he was being seen for treatment and the email address was needed for consideration for a loan for medical equipment and services for neuropathy. I informed the office staff of my father 's condition and stated I was his POA and that he was not capable of making medical/financial decisions on his own. The loan was processed and he didn't realize it until he received a statement from XXXX XXXX. When he became aware that it was a loan, he immediately paid the loan in full. However, he has paid for equipment that he doesn't know how to use and this loan paid for services that were never rendered by XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX ). I filed a complaint with XXXX XXXX, Ally and our local XXXX on XX/XX/22 and as of date, no resolution has been made.
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| 05/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
Servicemember |
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I attempted to purchase a vehicle from XXXX XXXX XXXX on XXXX XXXX, XXXX, CO. back in XX/XX/XXXX ( XX/XX/XXXX ). I traded in a vehicle fro the new purchase that was financed through ALLY Financial. My approval for the new purchase was Ally as well. End of XX/XX/XXXX I attempted to make my new and first vehicle payment with Ally and I was told no record of my new vehicle was in their system. I was told I needed to make my old vehicle payment ( trade-in ) now that it was late. I explained to Ally that the vehicle was traded-in and that they needed to contact XXXX XXXX XXXX. The new year XX/XX/XXXX came in and I still was unable to make a payment. I contacted and visited the dealership in person and was told I am unable to get financing for my new purchase. I explained to them, of course I can't, because you ( XXXX XXXX XXXX ) never submitted my payoff for the trade-in and now no one will finance me for active late payments. I entered a Civil litigation, submitted a complaint with the Auto Industry Division ( DOR ). I was granted in favor for the litigation. I myself, my attorney, and XXXX XXXX XXXX submitted disputes to Ally Financial as well as all three credit bureaus explaining the circumstances. No to fast forward, I obtained my original car back that was traded in and paid it off. Ally is still reporting the late payments due to this incident on all three credit bureaus.
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| 04/01/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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Ally Bank received the payoff from the car dealership for my car on XX/XX/XXXX. It is now XX/XX/XXXX in the car is not reflecting has paid off. It is also reporting negatively on my credit. This situation also it's allowed me to fund another car loan because I had too many active car loans showing. I specifically want three things, for the loan to be reflected as paid off immediately, for the negative reporting of my credit to be corrected, and to be compensated for my time and frustration. I'm not looking for huge amount, but something that is fair.
Ally Bank claims that the payoff was sent to the wrong address, although on the internet it clearly shows the address where the payment was sent as the correct address. Regardless, it's all the same company in to take two weeks to reflect this car haven't been paid off on my account it's inexcusable. Again, I will reiterate, if in fact it was sent to the wrong payoff address, it was sent to a payoff address. Certainly Ally Bank must have means to correct this within 2 weeks ( I have all documentation proving the date of the delivery of the payoff check to Ally, gladly will share upon request ).
I think the worst part of this entire ordeal has been the utter lack of concern by Ally Direct to correct their mistake. Really sad to see they are buying another bank to spread their horrible customer service to a bigger geography.
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| 01/21/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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Ally financial billed me for {$2200.00} XX/XX/2021 I objected to the amount and they told me it was a mistake which was a computer generated invoice and said they would send a corrected amount.
They then sent an invoice for {$950.00} without any breakdown of charges.
I called and asked for the detail and was it would be mailed. No detail invoice was ever provided. They began harassing me with collection calls and I repeatedly asked for a detail invoice. This went on for quite a period of time. Eventually they said they would email the invoice and on XX/XX/XXXX they invoiced the original incorrect invoice in the amount of {$2200.00} They continue to make harassing calls and refuse to provide a breakout of charge.
In one conversation the agent said I owed some personal property tax and daily charges for the turn in date after lease expiration but the dates don't coincide with the actual return date. I was told I could email XXXX. for end of lease issues and I did but she doesn't respond. I also called her line at XXXX. She does not return calls either. All of their emails come from a " noreply '' account so I can not communicate to them via email.
I would like to resolve whatever amount is due but I can not get any cooperation from anyone at Ally. Your assistance will be appreciated. Ally financial should be suspended from providing any financial services to the public.
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| 01/14/2022 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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On XXXX XXXX, XXXX, {$1400.00} was fraudulently taken from my checking account by way of my debit card information. I reported the fraudulent charge to Ally Bank on XX/XX/XXXX. I was told that two charges were attempted between the XXXX - XXXX of XXXX with the 2nd being successful. I received no notification to alert me of this money moving out of my account.
I have received zero written correspondence from Ally Bank. Though, I was told thered be a resolution within 10 business days. Just this morning ( XX/XX/XXXX ), I was told by phone ( as we were calling often to find updates ), that Ally was not providing a provisional credit and had reached a preliminary decision to NOT refund our money.
The charge is suspiciously identified as a XXXX charge, but we have identified this charge is in no way related to our XXXX account ( as there are payments listed on our Ally account as such and these are very different ; also, this is an absurd amount to be sent by way of XXXX ). XXXX is also connected to our checking account. Ally Bank told us that the fraudulent charge occurred by way of my debit card information. We are desperate to get our money back and the reasonable amount of time for this to be resolved has since passed. On XX/XX/XXXX, we had already reported the charge, canceled my card and unfortunately, have been unable to recoup any of the {$1400.00} that was stolen.
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| 10/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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FCRA section 604 ( f ) provides that a person shall not use or obtain a consumer report for any purpose unless the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under [ FCRA section 604 ] and the purpose is certified in accordance with FCRA section 607 by a prospective user of the report through a general or specific certification.
I am requesting the General or specific certification that was sent to the consumer reporting Agencies! This request is being made pursuant rule 1002. FCRA section 619 imposes criminal liability on any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses.
Consumers suffer harm when consumer reporting agencies provide consumer reports to persons who are not authorized to receive the information or when recipients of consumer reports obtain or use such reports for purposes other than permissible purposes.
These harms include the invasion of consumers privacy, as well as reputational, emotional, physical, and economic harms. I have been denied new credit, I have been denied increases in lines of credit because of your willful violation of the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ].
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| 08/13/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Traveler's check or cashier's check
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- Problem with customer service
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Web |
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On XX/XX/2023, I called Ally Bank to get a cashiers check. I needed this check on XX/XX/XXXX which is 10 business days after the call. They said it would take 7-10 business days to arrive. My husband got a cashiers check from Ally a few weeks prior and it arrived within a week ( 5 business days ) so we followed the same timeline. The check did not arrive as planned. When I called they said there was nothing they could do, it got delayed in getting sent out, not mailed until XX/XX/XXXX, wouldnt cancel the check, increased my debit card atm withdrawal to $ XXXX for 2 days but said I had $ XXXX limit for point of sale ( needed to get a money order since check didnt arrive on time ) On XX/XX/XXXX, went to get a money order at XXXX ( XXXX ) grocery store, transaction declined. Called Ally, verified my identity, they said it was flagged and there was no way they could approve it, said I had to try later or go to another institution. I asked to have my atm withdrawal increased since it was $ XXXX and I needed {$2100.00}. Declined by customer service. Said I should buy something at the grocery and get cash back. Did this, transaction declined.
Got my $ XXXX money order with the cash I was able to withdraw and begged the institution I owed to give me another form of payment after explaining my situation and they worked with me.
Cashiers check arrived within 11 business days
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| 12/14/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem making or receiving payments
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Web |
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I deposited an envelope into the mailbox at the corner of XXXX and XXXX XXXX on XX/XX/2022 and it was addressed to attorney, XXXX XXXX at XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. Enclosed was a check # XXXX for {$2000.00} for his services. I made sure the envelope was completely in the box and left. After a week, XXXX XXXX called to say the check had not arrived at his office. Since I valued his services, I offered to pay him via XXXX and did that on XX/XX/2022 for {$2000.00}. On XX/XX/2022, I saw in my Ally Bank account app that the check, XXXX, had cleared but for {$5600.00} in the name of XXXX XXXX. I immediately called Ally Bank to tell them that I had been defrauded. They told me they needed to initiate a fraud investigation and that I would need to close the current account. That day, they created a new checking account for me and told me it would take approximately 2 weeks to resolve the issue. A few days later, they froze both the defrauded account and the new account and will not give me any further details regarding whether they will pursue a criminal charge or if XXXX XXXX is a legitimate person or a pseudonym. Currently, I have not been reimbursed for the {$5600.00} and have over {$9000.00} in the checking account that is inaccessible - Ally will not give me further details about how long this will last, other than to say it may be 90 days.
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| 04/25/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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|
Web |
Older American |
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My lease vehicle was stolen from a dealership XX/XX/2023, whilst in for a repair and my insurance company paid the lease company Ally Financial, a valuation much higher that what was remaining on the lease. XXXX ( my insurance company ), have paid Ally, {$21000.00}. The lease agreement included, a residual value, {$14000.00} and remaining payments XXXX @ {$220.00}, {$1.00}, XXXX. A total of {$16000.00}. Ally have made an extra profit of circa {$4000.00} because of my mis-fortune and I requested a refund to help with replacing the stolen vehicle. I reasonably expected a large institution to consider my request as we are in a fairly rare circumstance where used car values have increased.
Following numerous calls and several letter with the financial institution, Total Loss department, Lease Department, and customer services I was assured that I would receive a call from a supervisor in order achieve satisfactory resolution to our dispute. I contend that a large company should not make a significant gain at my loss. I should receive a refund to help with my hardship. Whereas the lease agreement does not afford me this entitlement, I have been hoping that Ally would make a business decision in line with their mission statement re customer focus. Disappointed that they have not taken the opportunity to show any consideration to my request but simply refer to the contract
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| 08/06/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem extending the lease
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Web |
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I called Ally Financial in hopes of extending again my lease one more time. When I spoke to customer service I was told I could no longer extend the lease and that I had to turn in the car if not I would be charged XXXX each day till is returned. Is this even legal to charge XXXX daily? I needed one more extension I had asked for one month can be extended till I got back in the states. I was also denied a one month extension. I am a great payee not sure why something could not be worked out. I was out the country due to my job, the position I carry at my job requires me to travel months at a time out of the country and I could not make it to turn the car in or to at least buy the car out in monthly payments. I know my job situation leaving and coming out the country is not any ones problem but I also can not control when and how long my job will have me out the country on these projects and that is why I called to work something out with Ally till I got back. I was out the country for 6 months and I have arrived back to take care of this. Help me work something out I can not afford XXXX a day that's being placed against me when I have no control of my job situation. Again I tried and reached out to Ally and was denied they extension. I was not even offered any other resolution. Its unfair to know that I tried to work something out and not be offered another solution.
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| 07/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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|
Web |
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To whom this may concern, I have called the ALLY FINANCIAL INC. AUTO Total Loss Department about my account showing in accurate information. I have ask to speak with a manager and/or supervisor and i have been getting the run around for more than a month now. I have an inaccurate reflection of non payment when I been paid up with this bank. the bank closed my GAP without my consent and I have been asking to speak with compliance and they have told me they have no compliance department. I have been charged extra fees from inaccurate readings from there system and I have requested my account closed because it is paid in full. The Total Loss Department for ALLY Financial Inc. XXXX XXXX XXXX XXXX, MN XXXX, is not accurate, and denies any manager involvement about there action or them being compliant on the phone. The absolute worst experience I have had with an AUTO BANK. Im being taking advantage of and I'm being charged for extra when my account is paid in full. THIS IS A BANK, they must have a manager and supervisor and some form of compliance, and they have only stated they will have a manager call back they are busy, well I have never got a callback and they just drag there feet to try n put extra charges on my account. my account is paid already and they are trynna still charge me. THIS BANK IS FRAUDULANT IN MY EYES AND NON- COMPLIANT AND SHOULD NEVER BE TRUSTED!!!
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| 06/25/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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Amount : {$14000.00} XX/XX/2015 The signature was obtained by false pretences with the intent to cheat and defraud.
I was lead to believe that I was just a reference to help the primary buyer.
The dealership conducted the transaction in a manner that created a likelihood of confusion and misunderstanding. The contracts were signed separately.
The primary buyer drove to my house to obtain my signature. I didn't have any form of communication with a representative from the dealership. I was never physically present at the dealership. The dealership and I never correspond nor did we communicate via phone or any other type of digital/non-digital form of communication. This process was initiated and finalized without my involvement. by the dealership, Ally Financial, and primary buyer.
The legitimacy of the loan documents can not be validated by any witness. most importantly, it is impossible for any of the parties involved to produce said document with a notary seal and signature.
The dealership fostered an intense sense of urgency ; significant enough to motivate the primary buyer to produce a cosigner. They had a reckless disregard for the truth. The result was intentional misrepresentations and Fraud. In addition, the lender, ( Ally financial ) did not perform their due diligence and enable the dealership to comfortably engage in fraudulent business practices.
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| 04/25/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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|
Web |
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Hello, I've had a car loan with Ally bank for the past few years now, in which I pay $ XXXX monthly towards, from my XXXX XXXX XXXX checking account.
On XX/XX/2019 Ally bank used my checking & routing information to deduct an unauthorized payment {$1000.00}, and deposited it into another Ally customer 's account. I have no relation whatsoever to the recipient of the funds and Ally bank has done nothing to help resolve this claim. They have refused to correct the blatantly fraudulent charge, have failed to contact the recipient of the funds, and have completely denied responsibility for their error.
Additionally, after more than 2 months Ally has failed to even explain the nature of the amount and have even blamed me for the error. Ally has the transaction details clearly showing the transfer was not made by me, but is claiming complete ignorance as to why and how it was made.
My bank- XXXX XXXX XXXX has had to provide me with all of this information, but unfortunately can not move forward with the claim because I have had previous business with the banking entity ( Ally Bank ).
I'm running out of resources on how to dispute this. Since the amount stolen from my account is well over {$1000.00}. I am need of this funds as soon as possible.
I need your help with this please.
Ally confirmation of Payment # : XXXX Much appreciated, XXXX XXXX XXXX ( XXXX ) XXXX
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| 06/01/2018 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
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Web |
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I am writing to report debt collection agencies that have been harassing myself and known associates and family members. I have received over the past few months. It has gotten to the point of my family members and friends being contacted repeatedly by debt collectors. They have been receiving threatening phone calls as well. Please let me know how I can prevent this harassment to desist.
Repetitive voicemails to myself, my mother in law, cousin, and husband. Some two to three times in a row.
The most recent voicemail stated that they will contact my employer about your debt because it is now a location of interest I have received calls after XXXX XXXX CST on all days of the week, excluding Sundays.
I receive calls constantly on my work number which is strictly prohibited by my employer.
I have received voice messages stating that I will be served paperwork if I do not return phone calls.
I have received phone calls without disclosure of the collector 's identity. They refer to themselves as the firm and a Law Firm They end the phone call with I will be seeing you soon which is threatening in nature.
The phone numbers I have been receiving calls from are as follows : XXXX File # Referenced XXXX XXXX No voicemail left XXXX No voicemail left XXXX No voicemail left XXXX File # Referenced XXXX Cadence Farmer is the individual who left the voicemail.
Thank you,
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| 02/24/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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|
Web |
Older American |
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Complaint Number XXXX & XXXX XXXX XXXX I ahve since called the company becuase they called me telling that they were looking in to it late and geave me a special phone number and extension to conact with any any questions on late Friday afternoon, afterwards I then recieved my mail and found a letter sdtating that Ally was going to negativley report my accout to the credit bureaus. It was too late to call but I did and leave a message. I got voice mail from my contact per the phone ext given it wasa XXXX, who out of office recording stated he was out of the office and would return XXXXXXXX XXXX? I finally spoke with someone else and requested to speak with managment Iwas told that managment was not avialable and I had to speak with XXXX, I finally spoke with him and he said he hadnt had time to review my account that he requested documents, my payment hisotry. I then requested to speak witha manager he said there were nomangagers avialable and eventually said he need to hang up as I would not take now for an answer to speak with a manager, Today I viewed my account on the online protal, it now relects that I am {$800.00} plus in arrears, thisis worng as Ihave made every payment and when i look att he payment hisotry on t he webiste and look at the break down of the payment they show late fees?
I do not understand and dont trust that any info they report is correct.
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| 10/29/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I hired a law firm to help me with some issues on my credit report. There is currently an account that is showing on my credit report that is an auto repossession from XXXX and is still showing up as an unpaid and owed balance. This account is very old and has been hurting my credit and has been preventing me from opening any other accounts with any other company. My attorney has advised that this account is past the Statute of Limitations and should be updated to report no balance currently owed. My attorney stated that they are violating the Fair Debt Collection Practices Act because after the Statute of Limitations has passed they are no longer supposed to be reporting to the Credit Bureaus as an owed balance because it is a misrepresentation of debt. On XXXX my attorney 's office sent them a letter stating that this account is past the Statute of Limitations as of XXXX because she said that auto repossessions are 4 years. On XXXX my attorney 's office called to see what their response was to the letter to update this account, and they refused to acknowledge that the account is past the Statute of Limitations. They refused to acknowledge that they should update my account and would continue to report it to the Credit Bureaus as an unpaid balance. On XXXX my attorney 's office sent out another request stating that it should be updated and they have yet to respond.
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| 06/01/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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|
Web |
Servicemember |
|
On the day I was paid, XX/XX/2023, I tried to log in to my account to transfer my rent money, and I was not able to log in due to my account being locked. I called in and tried to get some type of understanding, and the associates were rude and hung up on my face every time I called. I have never experienced this type of customer service from an institution like this before. They told me my account was being investigated and they had no other information. I lost my purse and my account was stolen and I disputed the charges, I have never used the account for anything else. They put my account in the negative after the matter was already resolved months ago. When I called today before the woman hung up in my face, she was saying my account was in the process of being closed and all of my money is currently in this account. They have put my account in the negative to {$1700.00} and over {$3500.00} was deposited into the account from my check. My account was in good standing with {$750.00} in it before this happened on XX/XX/XXXX. I received no notice about any of this besides them sending me an email saying that my telephone banking pin was changed and I have not changed anything, then they sent me an email stating they suspected suspicious activity on my account on XX/XX/XXXX, which doesnt make sense because my account has been locked havent even been able to log in.
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| 07/21/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
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On the morning of XX/XX/2022 my mother-in-law ( XXXX XXXX XXXX ) closed her savings account with Ally Bank and requested that the funds be transferred to her XXXX XXXX checking account so that it would be included in her trust. I have a screen shot showing that Ally would take 1-2 business days to close the account ( {$250000.00} ) and 3-5 business days to transfer. She passed away on XX/XX/2022 but Ally Bank was never notified because we knew that this transfer was in process. She never received notification that there was any issues with transferring the funds. On XX/XX/2022 I attempted to log onto her account to see if the funds had transferred and the account locked because the inquiry came from a new device. After contacting Ally later we were told that they would need documentation. I sent them her death certificate, copy of the document recorded at the XXXX XXXX Recorders Off e showing me the Trustee of her trust, a copy of my drivers license and directions on where the funds should go. They come back saying that it would need to go to probate now. I argued that this should have been a done deal and that Ally dropped the ball. When I asked Ally Bank what was the issue with the transfer of funds all they say is We cant disclose that information. It was obviously an error and their part and now they want us to spend thousands of dollars going through probate.
|
| 12/17/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
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I started the process to refinance my home mortgage on XX/XX/XXXX. Long story short, Ally Bank asked for most recent paystubs on a weekly basis, then denied my application due to change of jobs. The first most recent paystub was submitted on XX/XX/XXXX, then XX/XX/XXXX, XXXX, XXXX and so on. Ally Financial doe snot allow me to keep track of the documents submitted on the account, time and effort in the last 2 months to try to close these refinance seemed ridiculous. I am not certain if it is because of their underwriting department is not promptly processing their deals. I recently changed jobs which led to an increase of my monthly income to 4x more, but is a contract position for 8wks. Ally Bank asked for the proof of my contract and then denied my application, stating the contract must be for over 2 yrs. I explained to my loan officer that as a critical care nurse I do not have a doubt to be able to extend or find another contract in the midst of a pandemic. I contacted my financial officer 's manager regarding their policy to ask for most recent pay stubs through out the entire loan process but she never responded. They also have not refunded me the {$550.00} I paid in processing fee. Ally simply said " You have been denied, goodbye '' and does not realized the amount of time and effort wasted in addition to other good rates I have missed out from other banks.
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| 05/09/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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In XX/XX/XXXX, I leased a 2017 XXXX from the following location XXXX XXXX XXXX of XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX , XXXX , TX XXXX On XX/XX/XXXX, I decided to end my lease early and buy the car. The dealership told me they would pay off my lease loan with Ally Financial and sell the car to me. I agreed and financed the buy loan through XXXX XXXX XXXX.
To this date, I my lease loan has not been paid off. I have had to pay two months of the lease loan and one month of the buy loan. If I dont, my credit will suffer I have spoken to the General Manager, XXXX XXXX, and he says he does not know when the dealership will be able to pay off the lease loan because the dealership and the entire company of XXXX XXXX is broke.
He knew this at the time of sell. He, fraudulently, duped me and XXXX XXXX XXXX into believing the dealership obtained ownership of the car for resale. XXXX XXXX XXXX paid the dealership {$32000.00}, which I am responsible for paying. Yet, XXXX XXXX XXXX does not have the title for the car bc its owned by ally.
I am stuck paying two car loans for one car and if not resolved soon, ally wants their leased car back and I will owe XXXX XXXX XXXX for a loan with no car.
I will be forced to default on my loan and credit suffer for years XXXX XXXX ignores all of my attempts of follow up on the matter, including the past due registration of the car
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| 06/23/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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I paid off my car loan in XX/XX/2021 and it is still being reported as owing on the account and for an even higher amount than the pay off was. I received the title XX/XX/2021 and am being reported on my credit history as late for the month of XXXX. XXXX and XXXX show no data given by the company. I have verified via the online account with ally that I had that the money was put towards the remaining balance and it showed {$0.00} owed. I opened a dispute with XXXX and XXXX and received notice that the owed amount was correct and in excess of the actual final amount. I called ally twice in 2 months and they refuse to do anything to expedite this matter and reconcile my payment with the credit bureaus as being paid in full. My credit has dropped almost 75 points after having made the pay off ... the complete opposite of what it should have done. No one seems to care that my credit is tanking because of this. It is an easy matter to fix and they are dragging their heels while I am personally suffering with these negative marks on my credit history.
I am submitting a screenshot of my account with ally-I can no longer access payments or statements ( which were online statements to cut down paper ) but it does show I no longer have an active vehicle loan with them. I have also submitted a picture of my title-which I would not have if I still owed any money to ally.
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| 02/12/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
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Web |
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I was in an accident in XX/XX/2019. Since then, I have made several attempts in contacting Ally Financial to obtain the documentation necessary to file my GAP insurance claim with XXXX. XX/XX/2019 was the most successful attempt, however, I still have not received all the needed documents. I spoke with someone in customer service on XX/XX/2019 and explained that I had called several times prior to obtain an original contract and a statement including the payoff from the date of loss. We had been advised multiple times that the documents had been sent to XXXX, but when we spoke with the representative on XX/XX/2019, she saw no evidence that anything had been sent. She advised that she would get the contract sent in which I asked to have it sent/emailed directly to me so that I could send it to XXXX myself. She immediately fulfilled the request. As for the payoff from the date of loss, she explained that it would take a few days for her to obtain that document for whatever reason and that she would mail it as soon is it was ready. I followed up after the new year to the tune of their systems were down and would probably be down for the remainder of the week, so call back in the next week. I have called SEVERAL times since then ... XXXX has called, but there has been no answer on their end. I just need this once document so that I can more on with filing this claim.
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| 11/06/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
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Web |
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Sale of vehicle repossessed never documented with transfer of ownership to relieve debt of monies owed affecting credit bureau information and negative credit worthiness.
Ally failed to update consumer information after numerous requests to update sale of vehicle and update consumer file on accounts ( Joint ) creating negative information in credit bureaus affecting credit worthiness.
XXXX XXXX Vin number XXXX ownership change never reflectedXX/XX/XXXX ownership change. Title XXXX. XXXX/XXXX/XXXX vehicle was in excellent condition in XXXX, hence the vehicle still being driven nine years later.
Ally never updated their records when the vehicle was repossessed and then resold to reflect monies paid from sale of the vehicle.
Numerous complaints are on the Internet of how Ally failed to account for sale of vehicles on accounts for many individuals affecting credit worthiness and collection amounts placed in credit bureaus without resolve. Nor do they respond to complaints or itemize charges for outstanding monies owed in the amount of {$3600.00} or show transfer of vehicles updated in real time when they occur.
Ally provides one letter with total amount owed without explanation of charges or updates sale of vehicle ownership information leaving the financial burden on individuals affected by their lack of follow through or accounting of records on consumers.
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| 06/02/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
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Web |
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I spoke with XXXX, a floor supervisor for Ally Bank. She stated that Ally does not have an opt in/opt out feature for overdrafting your account. As a consumer, we have the right to not allow our accounts to overdraft. Because of this lack of oversight, I have received {$350.00} in overdraft fees since XX/XX/XXXX. When I asked for them to be refunded, I was told the best they could do would be to refund {$100.00}. Because I wasn't given the option to opt out of overdraft, as per the requirement stated in 1005.17 ( b ), those fees should be invalid. Ally had stated that the program that allows you to cover overdrafts via another account was sufficient, but according to 1005.17 ( a ) ( 2 ), the term overdraft service does not include any payment of overdrafts pursuant to : A service that transfers funds from another account held individually or jointly by a consumer, such as a savings account. Due to this oversight, the following overdraft fees should be credited back to my account, as well as any customer that has incurred such fees/possible punitive damages in order to deter future oversight : {$25.00} XX/XX/XXXX {$25.00} XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX
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| 08/19/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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Starting XX/XX/2022, 3 fraudulent charges occurred on my Ally Bank debit card. The first was charged, the second and third were declined by Ally bank. My debit card was in my possession the entire time, and no other person than me had access to it. I did not authorize any of these transactions. My password, PIN, and associated email address and phone number are all secure to my knowledge.
Fraudulent Charges XX/XX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The second and third charge were declined, and I was sent a text message from what claimed to be an Ally bank source alerting me of potentially fraudulent activity and to decline or allow it. I declined and Ally initiated a phone call with their 'fraud services. ' They never answered the phone, and hung up after a period of holding. Calling the line back several times, I had the same result each time. After researching online, this fraud is widespread to anyone with a debit card at Ally bank, and wait times for the phone lines are extremely long with no resolutions in sight anyways. I have locked my card, disputed the first transaction which was charged, and will wait for a proper response from the company. The bank so far has not responded to my dispute with the first charge, and has not made any official statement about this widespread fraud.
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| 03/22/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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Purchased an auto on XX/XX/XXXX Received first bill XX/XX/XXXX Bill due XX/XX/XXXX On the bill it says THE TIMING OF YOUR PAYMENT WILL AFFECT THE FINANCE CHARGES YOU PAY OVER THE LIFE OF YOUR AUTO ACCOUNT.
I called the company Ally Financial based out of XXXX MN, to ask what this means. The answer I received is after 15 days a late fee would be charged to the account and every day after that time period if payment is not made finance charges are added for the life of the of the loan. So I think this is what it means though it is not clear. if I was late for 1 day past the due date whatever interest that accrued would be added to the loan and interest would be paid on that amount for the rest of the loan. So for example if {$1.00} was the interest for one day after the 15 days allowed that {$1.00} would be added to whats owed and for the rest of the life of the loan that extra dollar will accrue interest. I also was told by the finance company that the dealership should have informed us of this policy and they did not. Also after talking to the finance company, I called The dealership and was told that is a common practice for all finance companies. I have never noticed this to be the practice of loan companies.
I dont plan on paying my payments late but things happen.
Attached is a copy of the policy in question that was on my bill for the loan company.
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| 04/30/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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I bought a XXXX XXXX in XXXX of 2022 from XXXX of XXXX. I got financing through Ally Financial. I got behind on payments after I XXXX XXXX XXXX last summer. The front end of the car was relaced. Insurance paid for the repairs. But I lost out on work and it snowballed. I called ally financial to ask for a hardship help when I first got behind. I was told they don't offer any hardship help. I had made arrangements to pay what I could to keep from Repossession. When I went to pay I realized they locked me out of my ability to pay through my bank. I have had no problem paying through my bank before, it's a good standing account. I called Ally financial and they " moved '' my account and said I had to pay through XXXX XXXX or XXXX XXXX to a separate ally financial account that's not attached to me in any way. I requested they restore my ability to pay through my bank because I can not use XXXX XXXX or XXXX XXXX I offered to make arrangements to surrender the car and I was told I can not and to wait for Repossession. They repossessed the car on XX/XX/XXXX at XXXX XXXX. The repo agents did not have any paperwork for me either. I don't think I was treated fairly in this matter. I was barred from being able to pay through my banking institution, and was told I couldn't surrender the vehicle. Nowhere in my contract does it state they can change the way I pay my loan.
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| 04/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
on XX/XX/2023 I flew to Colorado to purchase a used vehicle. I did not request or authorize additional inquires for financing. I had already received proof of approval and submitted the deposit on XX/XX/2023. The finance manager did not realize that had already been done and proceeded to mass request approval for an auto loan. XXXX notified me of the attempts and I immediately brought this to the attention of the person who was selling me the vehicle and he put a stop to it. Since the XXXX of XX/XX/2023 I have been in regular contact with the dealership I purchased the vehicle through, The auto loan financing company 's they submitted to and the credit bureaus themselves. Each of them is stating it is the others responsibility to have it removed. XXXX XXXXXXXX XXXX states they have no record of it yet they are appearing on my XXXX account. Ally Bank has submitted a dispute and XXXX XXXX XXXX has not responded to me. There are several more company 's appearing on my credit reports that have not sent me anything via physical or electronic mail stating they ran my information for an auto loan inquiry. The dealership requested these inquiries without my approval, direction or knowledge. After the fact they informed me they were ONLY soft inquires which was a blatant lie. I am requesting assistance in insuring the immediate removal of these unauthorized inquires.
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| 09/28/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
On about XX/XX/21 I initiated a consumer credit transaction with my social security number, also referenced by congress as a credit card, pursuant to 15 USC 1602 ( l ). The term credit card means any card, plate, coupon book, or whatever credit device existing for the purpose of obtaining money, property, labor, or services on credit. The purpose of this consumer credit transaction was to obtain an automobile, I was denied access to my open ended credit. As a consumer, natural person, and original creditor, I have an open ended credit plan, it is unlawful to deny me my own credit I am requesting that your department reassess my consumer credit transaction/application and approve my application as a denial is unlawful, goes against congressional law and makes your organization civilly liable for non compliance pursuant to 15 USC 1681o , 15 USC 1640,15 USC 1691e . Further more pursuant to 15 USC 1691 ( a ) - Activities constituting discrimination, do so state " It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ''. A denial of my open ended consumer credit constitutes to discrimination. Pursuant 12 USC Powers and Duties of Banks and Credit Unions have power to borrow money, issue bonds and debentures, therefore you are unable to lend a consumer, natural person, and original anything.
|
| 04/10/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
XXXX XXXX was closed by the state of Minnesota via Governor mandate from the dates of XX/XX/XXXX, reopened at 25 % capacity from XXXX and closed again from XX/XX/XXXX to mid-XX/XX/XXXX. We had almost XXXX income at no fault of our own. As XXXX XXXX XXXX our top priority was keeping our staff paid. My husband called Ally and explained our situation. We were told special considerations would be made for late payments during government mandated shut downs due to the pandemic. We were marked down as late for both XXXX ( preparing for shut down round two ) and XXXX when we were completely closed. Both months we were 1 day late - scrambling to pay all of our bills with no aid available at that time. Again, the small business community gets absolutely abused by those unaffected by this pandemic. Even being told we would receive special consideration on reporting due to the circumstances due to the pandemic but not having that honored. We filed a dispute through XXXX and instead of removing our late payments from XXXX and XXXX they CHANGED them to XXXX and XXXX when we werent closed. How is this legal and how is this possible. Even though we werent closed during those months we were operating at such a reduced capacity I think it is beyond reasonable to not submit negative reports to XXXX XXXX who were subject to significant limitations and closures to their XXXX.
|
| 04/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This was a sub-prime auto loan I got in XXXX to help with my credit rating since I had a foreclosure on my credit report. I needed credit, and this loan for a car i bought from a dealer in XXXX was something I thought I needed to help get my credit report in good standing.
The loan turned out to be a nightmare with Ally Financial. I have a report on file with you, the CFPB. My issues with their fabricated payment history I thought was over in XXXX, when I was able to pay the loan off early. Wrong! They continue to report false information to the credit reporting agencies to this day. They are reporting 9 late payments on my loan which is very far from accurate. They continue to make my life miserable as I am still trying to get my credit score up to 700 to buy a house.
I thought since I paid my loan off early, they would stop harassing me in the ways described in my report on file with you, the CFPB. It is clearly a case of predatory lending, and now it is clearly a case of predatory fair credit reporting laws being broken.
I ask the CFPB to please make Ally Financial to stop reporting my loan in any way to the credit agencies as I made good and paid off a bad loan, they should make good and leave me alone and quit falsely reporting my payment history to the agencies.
My info on file with the CFPB : XXXX XXXX XXXX XXXX. XXXX XXXX, # XXXX, XXXX, AZ XXXX.
|
| 12/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
Good Evening, According to the Fair Credit Reporting Act, Title 15 of the United States Code, Sections 1681 et seq, I have a legal right to have to hard, unknown credit inquiries removed from my credit history. I was going through my credit history as I do twice a year and I noticed a lot of stuff that I didnt notice before from this year and last year they are completely unrecognizable. There are a lot that I do recognize authorize such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The others I do not recognize and did not authorize.
Below are the ones listed that I did not recognize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 03/29/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Older American |
|
In the month of XX/XX/2017 with reasons for the hurricane that afflicted Florida, I was unable to work, for that reason. Immediately I contacted ALLY Financial, in search of help from them, when the Governor of Florida asked all of them the institutions with which the residents of Florida had credit accounts, loans, etc. That at least they will grant to the borrowers, three ( 3 ) months free of payments as well as also that the interest will not be increased.
Bearing this in mind, I spoke with a man from ALLY and very cordially answered me that as they did not help me and he told me that he could not send me anything in writing, but that he was free of payments during the months of XXXX and XXXX and that the XXXX payment was to pay only {$220.00} of the {$390.00} I usually pay.
Then in the month of XXXX I started receiving calls demanding a back payment of {$170.00} and when I called to clarify that situation, they answered me at that time that they did not have to give three months as the Governor had requested, that they were two and nothing more.
To all the above, you can add, that for reasons of my age and health I have tried on many occasions to take into account my situation and help me in some way, to lower the interest of the loan, and have not accepted.
And this location comes from XX/XX/2017 to which we add fees for tardies until this month.
|
| 05/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report.
I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report.
According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible.
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know.
I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action.
Thank you for your prompt attention to this matter.
Sincerely, XXXX
|
| 03/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
Servicemember |
|
I am writing in regards to [ a late payment ] on my credit report from [ XX/XX/2022 ] for my [ ALLY ] account.
I understand how important it is to make timely payments, and that failure to do so creates an inconvenience for you. However, I missed my payment because [ A PAYOFF CHECK FROM XXXX XXXX WAS RECEIVED BY YOUR OFFICE IN ATTEMPT TO PAY OFF THIS LOAN During the time this payment in question was due, I was Not notified that the check would not be deposited due to the wrong pay off amount. Consequently this led me to believe that it had been deposited and that I { did not } have to make a regular payment. This was the very first payment of the loan. A magnitude of misunderstanding in play, i was not able to determine if you { ALLY } Or if XXXX XXXX was Responsible for my loan ]. I am confident that this wont happen again and I have taken steps to ensure my financial responsibility moving forward.
As a courtesy, I am requesting that [ ALLY ] make a goodwill adjustment and remove the late payment on [ XX/XX/2022 ] from my record.
The Dealership Headquarters of XXXX XXXX XXXX Georgia Lost the first. payoff check given From XXXX XXXXl .Ally Finance received a 2nd payoff check from XXXX XXXX XXXX The never deposited either check. I was forced into accepting the financing the dealership placed me with when they knew i had been approved with XXXX XXXX...
|
| 06/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Auto loan was involved in a total loss. The insurance company XXXX paid the claim although there was a gap remaining. I had gap insurance and the gap company XXXX was waiting for the police report. I provided the police report information and XXXX processed the information. They stated that they would not pay the gap. The lender Ally bank Provided the payment history to XXXX And XXXX denied the payment for the gap of {$1700.00}. I was not aware that the gap was not paid until XX/XX/XXXX. This incident happened in XX/XX/XXXX. The payment history that Ally bank Provided to the gap insurance company showed three missing payments. The missing payments were due to Ally bank offering three deferred payments during the XXXX Covid. These payments were not late but instead deferred to the end of the loan. I have never been late on any installment loan payment. I ended up paying the {$1700.00} of gap difference and due to me not finding out that this payment was never paid to a XXXX balance, Ally bank reported the three deferred payments to the gap company. I have never made a late payment ever and these three deferred payments caused Ally bank to report three late payments on my credit report. This has changed my score dramatically. I will never receive my {$1700.00} back due to this discrepancy. Please help in correct in this error on my credit report. Thank you
|
| 06/07/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
Servicemember |
|
My girl friend and I purchased a used XXXX XXXX and financed it with Ally finance. They have report us more than 30 days past due 3 separate times incorrectly. I found this on my credit report while trying to obtain a home loan. My loan officer and myself along with an employee from XXXX XXXX called Ally to question the late payments. My due date on the loan is the XX/XX/XXXX of every month. In XX/XX/XXXX they reported me 30 days late when the check was presented to my bank on the XX/XX/XXXX and was cashed. In XX/XX/XXXX, they again reported me 30 days late. This check was written on the XX/XX/XXXX and presented to my bank on the XX/XX/XXXX and posted on the XX/XX/XXXX. The 3rd offense was XX/XX/XXXX I had missed the payment for XX/XX/XXXX and made a double payment in XX/XX/XXXX after I had received a nasty gram from ally reminding me that they did not receive XX/XX/XXXX 's payment. I am asking that these two 30 days late marks on my credit report be removed as I believe it is illegal to report incorrect information. This is adversely affecting my credit report and lowering my FICO score. I am also asking that as a courtesy, ally also remove the 30 day late payment in XX/XX/XXXX, as they appear to have issues with there book keeping. They claim I bounced a check to them, however, I find no bounced checked fee listed in my account during that time frame.
|
| 10/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I have had the loan since XXXXXX/XX/XXXXXXXX, recently I tried to log into my Ally account to make a normal payment and received a message saying I couldn't make a payment and I had to call in for further assistance.
I called in and essentially their system tried to take money out of my bank account multiple times as reprocess payments for a declined charge I set up, then their system tried so many times it flagged my account that I tried multiple times ( it was their reprocess system, not me I only tried a small number of times since XXXX ).
They let me know since my payments were declined so many times I had to pay with guaranteed funds for the next 3 payments. The methods of guaranteed funds they accept are either unrealistic such as physically mailing them money for the payment in the form of a money order ( if that gets lost I loose {$1400.00}. No one in their right mind does this ). The other forms were XXXX XXXX or XXXX XXXX both of which had large fees due to the amount owed, around {$60.00}, for the next 3 payments is a little much to ask as a fee for an auto loan payment. Plus this is XXXX, going to a XXXX XXXX in person Vs. paying in an online portal out of my day from work and commitments at the house is ridiculous to ask.
I just footed the first {$60.00} bill through XXXX XXXX ( one of the " Guaranteed '' forms of payment they accept.
|
| 09/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information.
By obtaining my consumer report on ( XXXX ) and also XXXX knowingly without any permissible purpose you are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ).
Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. XXXX ) I have not initiated any transaction with { Insert COMPANY NAME }. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with ( XXXX XXXX ) ( XXXXXXXX XXXX ) ( XXXX XXXX XXXX ), ( ALLY FINANCIAL ), ( XXXX ) ( XXXX XXXX ) for review or collection Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
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| 08/29/2023 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
Servicemember |
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I have been dealing with poor customer service ongoing from Ally Bank. Most recently, I made contact with the company multiple times and completed the required forms as instructed, yet still, they failed to move the requested funds into the correct account as requested and agreed upon.
Instead, they gave me the run-around. I tried to communicate with Ally Bank multiple times to no avail and never received any assistance. After deciding to take the funds and go to a different bank, Ally Bank is now providing XXXX assistance with closing the empty IRA.
Ally Bank LOVES to give me the run-around, transferring me to multiple departments, when I seek help with their " 24-7 '' customer service it's not actually available as advertised. Instead, I'm told to call multiple departments at very specific hours and when I have again, no help is provided just the run-around. If I fill out forms, they still refuse to honor requests.
There is no way to escalate complaints. Ally Bank 's customer service has become nearly non-existent and they are falsely advertising that they offer this AMAZING 24-7 customer service when in fact, Ally Bank does not.
Again, tonight I tried to seek assistance through their " live chat '' and my time was wasted.
If Ally Bank 's customer service were so great, then I wouldn't feel the need to spend the time to draft this complaint.
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| 05/13/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Banking errors
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Web |
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I opened a Money market Savings account and met all the requirements to receive a bonus of {$500.00}. Per Ally bank, the bonus should have deposited on XX/XX/XXXX.
After not seeing the bonus for a month, I called and got XXXX # XXXX opened.
Then on XX/XX/XXXX I got a voicemail from Ally bank and called them back and spoke to a person named XXXX, who informed me that the bonus was deposited, but into another account. That account is not owned by me, but by a XXXX which was set by me and my husband.
XXXX said she will correct it and she executed a transfer of {$500.00} from the XXXX account to my account. But while this corrects the balance, the bonus is taxable and is included in the XXXX interest. I told her the XXXX interest is now wrong on two accounts.
Hence, these are the issues involved that CFPB and regulating agencies need to look into : 1 ) ALLY Bank deposits bonus late by over 2 months 2 ) ALLY bank put the bonus into another account with different title and ownership 3 ) ALLY bank call center representative is authorized to move money from one customer 's account to another customer 's account - which is very dangerous.
4 ) ALLY bank deposits the bonus two months late and says they do not owe me any lost interest on the late deposit of the bonus, implying that they are not bound by the terms of the initial account opening agreement.
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| 11/15/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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Ally Financial has validated my consumer right to rescind my auto loan. I have sent several letters explaining that I am exercising my right to rescind the auto contract. I was never told about my right rescind from the binging of the contract. I was never giving any information or had anything explained about a right to rescind. I even emailed an associate XXXX who has been responding to my letters. After further looking into my contrast I noticed a lot of mistakes on my paper work. At the time I was not knowledgeable about auto contracts and as a consumer it seems as if the dealership and Ally Financial has been taking advantage of me the consumer. The only thing that as been address is the finance part of my contract but not any of my other issues with Ally Financial. On my original paper work there are no signatures from Ally Financial or the XXXX. As I explained to XXXX XXXX since I was never giving any information about my right to rescinded and adding a downpayment to the transaction went against XXXX. I even sent XXXX XXXX emails of the contracts that were not signed and still the company is refusing my right to rescind. As a consumer I have rights. It states on my bill of sale that if an XXXX XXXX signature is not present the contract is not binding. So why is that not beginning addressed and why is my rights as a consumer beginning ignored.
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| 11/30/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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I XXXX XXXX am a man and am currently engaged in a contract with ALLY .On XXXX/XXXX/15 I made the payment requested by Ally VIN : XXXX Most Recent Payment : $ XXXXReceived : XXXX/XXXX/2015. I was told this was the payment due with no explanation why .I assumed it was an voluntary corrective action because on the " enforcement '' action against them earlier.then I rec 'd this notification Next Payment : $ XXXXI contacted ally who said that the payment for XXXX/XXXX/15 was so much less because I had overpaid. they said that the overage went to the principle .I told them the payments made in the past were including the late fee 's ..then I rec 'd this notification Next Payment : $ XXXXDue On : XXXX/XXXX/2015 Past Due Amount : {$440.00} Due On : XX/XX/2015Additional Charges : $ XXXXnotice the difference between XXXX and the " additional charges " of XXXX. there were no " additional '' charges prior to XX/XX/XXXX. I believe these charges are retribution against me for having the " gall '' to question them. also because I stand to benefit from the enforcement action against them. notice in the payment history there are no '' other '' charges. I feel that this documentation proves that Ally has not dealt with me in good faith, that they have caused me damage due to their continuing discriminatory practices. I claim discrimination against me based on my race.
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| 09/05/2023 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Can't close your account
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Web |
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On XX/XX/XXXX, I received a text on my cell phone claiming to be from Ally confirming a potential fraudulent charge on my account. I logged into the web banking, saw the pending charge, so responded " no '' the text. I immediately received a call from " Ally Bank '' and they asked my security questions and verified the charges that were on the account. After confirming the couple charges were fraudulent, the person on the other line said they would send out a new card. After a few days of not receiving the card, I got a call to verify a code on my phone. I got suspicious and hung up. I checked online and my mailing address had been changed and the new card had been sent to the incorrect address. I called into Ally, got everything straightened out, and got a new card sent again. It arrived on XX/XX/XXXX. I activated the card successfully and I tried to use it and it didn't work. Called back in and they said the account was locked again. At this point I was getting multiple calls from different numbers, not knowing who was legit. I finally just called in and requested the account to be closed. I was assured it would be done. It is now XX/XX/XXXX with no movement. I call in and no one will tell me anything. They will not give me a timeline of when the account will be closed and when I will be sent my money. They will not let me speak to any supervisors.
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| 08/03/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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I disputed a charge in on or about XX/XX/XXXX for a charge from XXXX XXXX XXXX. I cancelled the service and was charged and mailed out a package. I refused the package and it was returned to XXXX XXXX XXXX. I was refunded by Ally Bank shortly there after. On XX/XX/XXXX my account was deducted the same amount {$170.00}. Ally Bank is claiming it was a valid charge because XXXX XXXX XXXX claimed they didn't receive the package back. I spoke to XXXX & XXXX and they stated that sent a refund around XX/XX/XXXX and then Ally said they pulled it back because they didn't receive the package. After four hours of going back and forth I found out that the XXXX tracking number confirmed they did. Every time I call Ally I have to speak to someone else and tell the same story over and over. They advised they mailed a letter on XX/XX/XXXX to date I haven't received it. They advised they escalated it on XX/XX/XXXX and someone would call in 2 days. No one has called. Ally blames XXXX XXXX XXXX and vice versa. I am stuck in the middle and Ally refuses to help me other than tell me send me back & forth between Ally XXXX XXXX XXXX XXXX. I have been disconnected while sitting on hold, no one calls back. I have given Ally tracking numbers, at their request to be later told they can't look it up. Meanwhile I am still out {$170.00} and get the run around EVERY. SINGLE TIME.
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| 04/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Credit denial
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Web |
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This is an additional evidence of what transpired and the email received and my response for complaint # XXXX I copied and pasted there email to me and copied and pasted my response 1 enjoyeu speaking win you anu rope i was dule to answer all your questions effectively.
At XXXX XXXX XXXX, we are committed to exceeding the expectations of our customers, and I will do everything possible to ensure that you are completely satisfied. We know that buying a new vehicle is an important decision, and we are committed to helping you make the right choice.
Please do not hesitate to call, or stop by, with any questions you may have concerning the vehicle we discussed.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sales Rep ( XXXX ) XXXX cell/work/text # ( XXXX ) XXXX ext # XXXX ( office # ) Email : XXXX ~ Reply to All Mail O Search XXXX Calendar Good evening XXXX thank you for the email.
However this email is completely false and fraudulent as this afternoon you hung up the phone on me when I was simply exercising my consumer rights. And now I feel discriminated and XXXX profiled over a auto loan which I was extending my credit to XXXX by trying to do a consumer credit transaction. But that's ok I've spoken with Ally financial and they recommend I file a complaint with the CFPB which I have already done this evening.
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| 09/17/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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Over thirty days ago, I, mailed Documentary Evidence to ALLY FINANCIAL in support of contract dispute, which was received by ALLY FINANCIAL on XX/XX/2021. On XX/XX/2021 I opened a case with Consumer Financial Protection Bureau case number : XXXX in reference to this dispute, which was closed.
On XX/XX/2021 ALLY FINANCIAL submitted a response through the CFPB in the form of a letter. Note that the Documentary Evidence pertaining to this case includes a notarized Affidavit of Truth, which unrebutted stands as Truth. Given ALLY FINANCIALs neglect to respond with a counter-affidavit and by instead providing a letter, which failed to address all violations outlined the original affidavit provided; ALLY FINANCIAL is now in fault and in agreement and have stipulated to the terms outlined in the Documentary Evidence through such actions. Additionally, on XX/XX/2021 I received a letter from ALLY FINANCIAL dated XX/XX/2021 regarding this case, falsely claiming that ALLY FINANCIAL was unable to conduct a reasonable investigation because I did not provide sufficient information. To ensure the clarity of my demands and in light of additional violations identified, Ive submitted a second round of Documentary Evidence including : a. Affidavit of Truth- TILA b. Affidavit of Truth- FDCPA c. Affidavit of Truth- FCRA d. Exhibits ( A through O ) e. Invoice ( updated )
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| 01/20/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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Hello, I received a notice from Ally Auto the first part of XXXX advising I was something like {$220.00} overdue. I contacted the customer service department to inquire on what this charge was for however I was connected to five different representatives with none able to assist. I was advised the account would be reviewed and someone would be in touch. Never heard from anyone. I reviewed my account again maybe 3 days later which then stated I was over {$400.00} over due. I again attempted to resolve via customer service to no avail. I sent emails with no reply. I paid the money afraid that it would continue to go up. Again this month XXXX, the same thing has happened and no one will gibe me an answer. I have paid approximately {$1100.00} in XXXX and again in XXXX on when my loan payments are only {$620.00}. This " additional '' charge is not being paid on my principal. I don't know what to do. This company will not respond, explain or advise me on what the situation is.
BTW, I normally pay {$650.00} EVERY month which is {$29.00} more than my payment amount.
Please help me get this resolved. I can not afford to keep paying this and I shouldn't have to.
FYI, the one returned payment was an error on my part when my fianc mistakenly used an old card number without realizing it which I immediately addressed as soon as it was brought to my attention.
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| 08/03/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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I had paid {$15000.00}. cash towards a floor model vehicle in XXXX, I purchased a 2013 Hyundai Genesis. My credit rating was not the best, so I attempted to build and est. a good loan to build the credit, the dealership enrolled me with Ally Auto. However, they did not give me a loan minus the total down payment I placed on the car instead they financed me for the total value of the car at the time, which was overpriced, and the financing rate they have me in ranges from 10 to 12 %, I can not afford these predatory rates they have me locked in, the car is not even worth the same value of the loan, not only that, but the late payments because I am always trying to catch up accrue and they have taken more money from me for the financing charges than ever the actual loan. It is more than 50 % They have stolen Thousands of dollars from me, at least {$20000.00}. and I need help in getting out of this and away from them. Please Help me, they are bleeding me dry every month and even when I was paying early it did not matter they penalized me even then it seems the rate went up even more. These guys are so crooked I am truly a victim of predatory lending practice because they view me as a minority due to my low credit score, that never even went up anyways when I was paying on time or well in advance of my due dates for more than a year. I really need help?
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| 01/13/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
Servicemember |
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My vehicle was claimed to be a total loss. After XXXX paid my lien holder there was an outstanding balance that Ally Financial was supposed to pay to finish the payoff of my vehicle. After Ally Financial paid their part there is still an outstanding balance of {$380.00} ( 0.05 daily interest rate ). When I called Ally Financial they told me ( XXXX ) that the way they determine the payoff is NOT BASED ON WHAT THE LIEN HOLDER SAYS but rather they calculate based on my payment history. First : My payment history shows that I didn't only pay my monthly payment but I also paid additionally towards the principle. 2nd : I had 1 deferred payment during the life of the loan and Ally Financial informed they are not responsible for that amount and I didn't dispute it so I went ahead and made a {$700.00} payment. 3rd : I asked the lien holder ( XXXX ) if my deferred payment effects in anyway the accurate payoff and she stated " ABSOLUTELY NOT ''. I called Ally Financial on XX/XX/2020 at approximately 1330 Hours and spoke to XXXX I informed him of the situation but he stated he couldn't help me I then asked to speak to a Supervisor, he placed me on hold and when he returned he told me that the Supervisor couldn't speak to and transferred me to the Supervisor voice mail ( XXXX ). I left XXXX a message in detail explaining the situation and asked him to call me.
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| 04/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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Ally Financial has been sued by the government and won. They discriminate against XXXX and XXXX race of consumers and was found guilty. Ally Financial never payed me my lump sum for and consumers who purchased their vehicle in XX/XX/2011. Ally Financial are thieves. I DEMAND THEY RELEASE MY TITLE IMMEDIATELY TO XXXX. XXXX REACHED OUT TO THERE CUSTOMER SERVICE DEPARTMENT WHICH IS OFF SHORE AND RUDE AS XXXX NO FAX MACHINES CANT SEND EMAIL JUST PATHETIC. THEY OFFERED ME A SETTLEMENT OF 40 percent off which would be 797. They failed to send XXXX the information. I demand ALLY IS VIOLATING MY FAIR CREDIT BILLING ACT 1666b I never received any bills stating I owed a late fee. THIS COMPANY HAS VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 602 states I have the right for privacy. They are paying offshore customer service representatives who barely speak XXXX and they are holding my title causing pain and suffering.
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account undeXXXX XXXX open end consumer credit plan as late for any purpose.
XXXX
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| 09/28/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I have two vehicle loans with Ally Financial Services, one is for a new vehicle purchased in 2017 and a used vehicle purchased in 2017 as well. I am only about 14 days behind on my payments for both vehicles and I am planning on paying both loan payments within the next 3 days. They have been calling me up to 20 times per day every day for about the last 10 days and they will call me two times in a row on my personal number and leave a message each time and then call me two times on my work number and leave a message both times and then switch back to calling my cell phone back to back. This is tantamount to harassment in my opinion. It is not like I am 30+ days late on my loan payments and they are calling me non-stop! I was not able to select the exact problem on the previous questions because there wasn't really an option to select that matched up. Please do something about this, it is honestly ridiculous.
Here is a list of the call times today as of XXXX XXXX : 2 calls back-to-back at XXXX XXXX today on my personal number 2 calls back-to-back at XXXX XXXX on my work number 2 calls back-to-back at XXXX XXXX on my work number 2 calls back-to-back at XXXX XXXX on my personal number That is already 8 calls by XXXX XXXX today and I will be getting these phone calls all evening until at least XXXX which could amount to at least 8 more phone calls!
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| 04/17/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
Servicemember |
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I called XXXX XXXX XXXX at XXXX on XX/XX/XXXX and spoke with a representative in the XXXX. The purpose of my call was to ask the representative what date do I need to make a payment to save me the most in finance charges. The representative placed me on hold, and came back and said that if I pay on XX/XX/XXXX, I will be charged the least amount of finance charges. In XX/XX/XXXX I checked my account online and found that my finance charge was {$110.00}, which was nearly double what I am generally charged. I immediately called back customer service in the XXXX, and spoke with a representative who said that will not refund any finance charges and the most that they can do is apologize for the error. I asked for a supervisor, he said he doesn't have one. I insisted so he said he can transfer me to someone in his exact position. I asked her for her supervisor, she said she doesn't have a supervisor, and basically said the same thing that her coworker said. I called a number for the fraud division, and they advised me that I can call the main number and request a US representative Monday thru Friday. So today, I called and spoke with supervisor XXXX XXXX out of XXXX, TX who said that even though I was misadvised by a XXXX representative, they can not refund the amount of finance charges that I was misadvised on. She said, I need to refer to my contract.
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| 08/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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Dear Sir or Madam, There is an Unauthorized Credit Inquiry by Your Company on my Credit Reports. While checking my personal credit report, which I acquired from credit karma, I noticed an inquiry made by your company. I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights.I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business days so that I can verify its validity. Mail it to the address listed above.If you can not provide me with proof that I authorized you to view my credit report then I am demanding that you contact the credit bureaus immediately and have them remove the unauthorized hard inquiry immediately. I also request that you remove my personal information from your records. Please send me a written confirmation that you have complied with my requests. Your failure to comply with my requests within five ( 5 ) business days will be my evidence usedin Federal Court of your willful noncompliance [ 15 U.S.C. 1681n ] and I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees.
Sincerely, XXXX XXXX
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| 01/26/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
Servicemember |
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I purchased a car from XXXX XX/XX/XXXX. The car had MULTIPLE PROBLEMS. I was finally able to trade it off XXXX XX/XX/XXXX. The car was financed through ALLY Financial. An extended warranty was negotiated with XXXX that was incuded in the sum to be financed. Because I traded the car off before it was paid off, the dealership, XXXX XXXX, in XXXX WI paid the XXXX XXXX XXXX ( subject vehicle ). I have a conformation email from ALLY Financial that the vehicle was paid off and they released the lean from the title. I called XXXX and cancelled the extended warranty and I was told that ALLY Financial had to mail the refund in the amount of {$840.00} back to me. I have spoken to several ALLY Financial representatives, last being this morning of XX/XX/XXXX who state that ALLY Financial has not received the {$840.00} from XXXX to send back to me.
I spoke with " XXXX '' from XXXX this morning also on XX/XX/XXXX who assured me that the sum of {$840.00} was sent back to ALLY Financial. However, again, ALLY Financial deny the money was received. XXXX representative told me this morning that ALLY Financial has informed them that they, by their internal policy, keep that money for 5 weeks before sending it back to me. I do not see anything in my purchase contract that condones that and, again, ALLY Financial deny receiving the money.
Clearly someone is lying.
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| 04/08/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem making or receiving payments
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Web |
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Please refer to my earlier CFPB complaints : XXXX XXXX XXXX XXXX There is more than 1 hour of hold time with Ally bank.
For no good reasons even my online access was blocked and account was frozen.
due to which XXXX Credit card bill of {$1000.00} was delayed by more than 4 days.
I have a credit score of XXXX and never had this issue in 19 yrs for me.
which was suppose to be paid from my ally bank account ending in XXXX But i was told by ally on weekend that my accounts are also frozen.
chatted to XXXX ( XXXX ) they told that my account is past due 2 days.
I have all the money into Ally bank only and NO other account.
My credit score being XXXX and i have had this issue in last 19 yrs ...
I just have to sell 5 stocks of XXXX XXXX at loss ( short term loss ) from my XXXX XXXX account just to have enough money to pay for the credit card bill so that there is no impact on the credit score.
As you can see from the Screenshot*.jpg how long this wait is.
Finally I was able to get hold of Ally fraud team.
Given them instructions to " Please feel free to take out {$3200.00} from my checking account ending in XXXX and deposit into the XXXX XXXX account so that there is no negative balance. '' But i had 4 days of late payment ( possible impact on credit score ) plus overall loss by selling 6 stocks of XXXX XXXX ( loss plus taxes on that )
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| 08/19/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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I was scammed on XXXX through a XXXX XXXX group. Someone put up equipment for sale, which I sought to purchase. I had purchased gear through this group before without issue. I worked with the person on XXXX, and once they got half the payment, they sent me a bogus tracking number which did not work and then disappeared off XXXX. I reported this to the bank twice, and both times they denyed me. Then I worked with their " Executive Customer Relations '' and sent them the chats with the person and the bogus tracking number to prove I was scammed. Their response was : Unfortunately, neither Ally Bank nor XXXX is liable for any typos or keystroke errors that you may make when using XXXX, which appears to be the case in your concern. Further, subject to our obligations under applicable laws and regulations, you agree that you, not Ally Bank or XXXX, are responsible for resolving any payment or other disputes that you have with any other user with whom you send money to, or receive or request money from, using XXXX. Additional information about XXXX can be found on pages 11 through 28 of our Online Banking Services Agreement.
I have no way of working through a dispute as it was a scam, and there is no one to work through it with. I am appalled that this bank is one of the banks that takes no liability for the fraud that happened using their systems.
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| 01/09/2024 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
Older American |
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I deposited via certified mail, four money orders of {$500.00} each. As ordered that I do so as the only way to deposit money orders in Ally Bank by a message from the bank. Total {$2000.00}. They were marked as deposited on XX/XX/XXXX at XXXX. Then they were marked as " check paid '' at XXXX. In other words they were taken out of my account against my will.
I have called four times to XXXX. On XX/XX/XXXX and XXXX. Spoke to XXXX after he put me on hold for 42 minutes to " check '' with someone. He told me the funds would be returned to my account on that day. They were not.
Then I spoke to XXXX on XX/XX/XXXX at XXXX ( was put on hold while she " checked '' and subsequently disconnected after 30 minutes ) and then with XXXX XXXX XXXX on that same day. XXXX told me that they were " checking on it '' " they '' would get back to me. I called again on XX/XX/XXXX and spoke with XXXX at XXXX. He again " checked '' and told me someone would contact me. I have heard nothing since and am very distressed to know what happened to my {$2000.00}. Nobody at this bank can tell me. There is no " supervisor '' to talk with to help get this resolved. I am an infirm XXXX citizen and this is making me lose sleep from the stress. I dont see any alternative but to try to lodge a complaint to get my money.` Please help me. I have to pay my bills with this money.
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| 03/03/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ALLY FINANCIAL XXXX XXXX XXXX XXXX, MN XXXX USA Re : AUTO LOAN Account Number : XXXX To Whom It May Concern : I would like to make arrangements to settle the above referenced matter ON CONDITION that you : 1. Produce the account and general ledger statement showing the full accounting of the alleged obligation you are attempting to collect from me, signed and sworn by the person responsible for maintaining these records and having first-hand knowledge as to their accuracy and authenticity, and able to testify under oath to that effect.
2. Make available for visual inspection my original wet ink promissory note ( not a photocopy ).
Please contact me in writing to arrange for an appropriate point of inspection.
3. A statement admitting whether you are the holder in due course or whether you are a servicer.
Lastly, Please provide me with your statement of the amount owing as of ( XX/XX/22 ), together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. I am giving you formal notice that failure to respond to this letter through a verified and validated proof of claim within 7 days as I have asked for, point for point will be taken as an administrative default.
Thanks.
XXXX XXXX Without Prejudice - [ ]
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| 10/03/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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In XXXX we realized that funds were missing from our personal bank account directly after making an automatic payment online for our vehicle payment. We were alerted by our bank to the fraud caused by Ally Financial 's payment processor and advised us not to permit payments through their online system. Then we received a letter from Ally Financial stating that we were victims of identity fraud and financial theft due to a breach in their security system and online payment processing. The automatic payments were cancelled and I attempted to go online and authorize individual payments after that and each time it would not allow me to make a payment or the website was down and I tried to call Ally each time and let them know that I had attempted to make a payment. I was told that the system was being updated and to be patient. Now that they have refused 3 payments they are claiming the vehicle is in repossession without any written notice nor ability to make a payment. I even called 3 times this past week and tried to pay the account in full and the payment was stopped by XXXX XXXX for ANOTHER report of FRAUD! The customer service rep from XXXX Bank told my parents that Ally has been flagged for fraud by the FDIC and they recommended finding another lender. I am now working to trade the vehicle in and obtain another loan with a different financer.
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| 02/06/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I attempted to deposit a check through Ally Bank 's app and the bank contacted me and said that it would not accept my deposit ( it was an approximately {$2.00} deposit of dividends from an old XXXX ) because the registrations did not match. I have never had such an issue, and attempted to call for assistance. The wait time was unbearable, so I emailed Ally. The response was that I had to call to speak with a person in their deposits department. So, I called, again, and waited on hold, again. I was asked to verify the last 4 digits of my SSN, my DOB and 2 answers to random secret questions, including my favorite team. I guessed what I might have set up, and evidently guessed incorrectly. I was placed on hold again, and escalated to a supervisor, who, maddeningly, repeated the entire series of questions. My answers did not change. She said that someone would have to call me to verify me. That doesn't seem like a super secure way of doing business- calling me from a random number, on my unsecure cell phone, at some indeterminate time. All I am trying to do is deposit a small check. But she said that she could not help me, that I could speak with no one else, and then she froze my accounts so that I can not view them.
I need ( 1 ) my accounts unfrozen and ( 2 ) to be able to deposit this check and ( 3 ) an apology for my massive inconvenience.
|
| 08/03/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I contacted Ally Bank regarding a 90-day extension request attached herein. I have previously disputed the late payments reported by ALLY Bank and feel like they are retaliating for my complaints. The value to debt ratio is inverted and the title is prejudiced due to fraud on the part of the selling agency. I have been told by the XXXX XXXX that they can not take the car in on trade, even though XXXX XXXX XXXX XXXX authorized the vehicle for resale after replacing defective parts. XXXX is now calling the vehicle a lemon and telling me I am just stuck with the auto. I owe {$13000.00} the value is @ {$9000.00}, which is well below value due to the lemon identifier. Further, the XXXX reports prevent the vehicle from being sold. When the vehicle was sold to us, we were provided a fake XXXX Report indicating the airbag recall was the only issue with the car. That is not the case. I took the vehicle to XXXX XXXX in XXXX Georgia who performed all warranty work and on three separate occasions the sales managers contacted me to buy the vehicle due to its condition and maintenance record. When I finally became interested in trading for a new vehicle, it was sprung on me that the vehicle could not be accepted by the dealership. This responsibility falls upon XXXX XXXX XXXX XXXX. During the interim, Ally Bank should honor the 90-day extension request.
|
| 10/11/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
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I live in XXXX. I bought a XXXX XXXX van in XXXX online and had it shipped to XXXX. That was in XXXX 2016. Despite many hours on the phone and in person I have been unable to register my truck in Texas. Therefore I am paying for a truck I can not drive. It is financed thru Ally Financial. I need a copy of the original title to register in XXXX. I have made numerous requests. XXXX tax accessor has made numerous requests. The last time XXXX XXXX. Ally customer service has been rude. They never show that I have been calling. They refuse to send me a copy of the tittle which is now what XXXX is recommending. Ally claims no one has requested title. They did eventually send an " electronic title '' to XXXX on XXXX XXXX but this electronic title is not recognized by the state of XXXX. I have explained that many times. I do not know what to do. XXXX says they can not do anything else. Their phone calls have not been returned. It 's such a simple solution. Just send me, and or, the XXXX tax accessor 's office in XXXX a copy of the original title. Even the title company that Ally contracts with told me that they have the paper title from XXXX but Ally would not allow them to send it to me. In XXXX I have always had a copy of the paper title. It would show ally as the lein holder so I ca n't use it for anything other than to show ownership.
Please help
|
| 11/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
otice to Correct Credit Report Dear __________________ Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.
Item Number Company Name Account Number Comments 1.XXXX XXXX 2.XXXX 3.Ally 4.XXXX Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.
Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.
Sincerely, XXXX XXXX Name XXXX XXXX XXXX Address XXXX, Mi XXXX Town, State and Zip XXXX Social Security No XX/XX/1972__________ Date of Birth
|
| 02/26/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ALLY FINANCIAL XXXX XXXX XXXX XXXX, MN XXXX XXXX Re : XXXX XXXX Account Number : XXXX To Whom It May Concern : I would like to make arrangements to settle the above referenced matter ON CONDITION that you : 1. Produce the account and general ledger statement showing the full accounting of the alleged obligation you are attempting to collect from me, signed and sworn by the person responsible for maintaining these records and having first-hand knowledge as to their accuracy and authenticity, and able to testify under oath to that effect.
2. Make available for visual inspection my original wet ink promissory note ( not a photocopy ).
Please contact me in writing to arrange for an appropriate point of inspection.
3. A statement admitting whether you are the holder in due course or whether you are a servicer.
Lastly, Please provide me with your statement of the amount owing as of ( XX/XX/22 ), together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. I am giving you formal notice that failure to respond to this letter through a verified and validated proof of claim within 7 days as I have asked for, point for point will be taken as an administrative default.
Thanks.
XXXX XXXX Without Prejudice
|
| 11/16/2017 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Ally financial is reporting on all 3 of my credit reports. XXXX, XXXX, and XXXX all incorrectly. Balances of {$9500.00}. I have contacted this place on several different occasions and I have no progress in over a year. Just more bad comments to my credit reports. I have tried emailing the CEO of the company on more than one occasion, No responses on the date of X/X/17 and X/X/17. have sent disputes through all three credit bureaus and the better business bureau as well. Dates including X/X/17. X/XX/17 and XX/XX/17. I have one report showing my balance is paid in full, I have another report showing i only paid only a % of it. All reports show this account was closed over a year ago. No balances are correct. I have had no contact with this place, they have not contacted me, no letters, no calls, no correspondence. How is a closed account reporting negative payments? Is this even legal?? I got no notification of this action. I would like to demand proof of this debt, specifically the " alleged '' contract or other instruments bearing my signature and identification as well as proof as well as your proof of authority to collect and report this matter. Please evidence your authorization under 15 USC 1692 and 15 USC ( f ) in this alleged matter. Please provide a complete account history, including any and all charges added for collection activity.
|
| 10/15/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
As sent to Ally on XX/XX/2022 via notarized letter with return receipt, your claim can not and will not be considered if not returned with the requested information 30 days. It was more than 56 days that Ally answered my complaint through CFPB still not providing me the requested information. Ally claims it is not governed by FDCPA. On behalf of other consumers who governs Allys business practices? XXXX and FDCPA govern Ally. Regardless, this entire ordeal has impacted my health, and no one should be subjected to this type of business. I have contacted the XXXX and have attached Allys response.
Additionally, I have elected to rescind my contract with XXXX and never had a contract with ALLY. This must be the reason Ally could not or would not send their validation of debt. It is clear that Ally will not and can not comply. Ally sent a copy of the XXXX contract. Again, I have chosen to rescind the XXXX contract as of XX/XX/2022, and XXXX is in receipt of it. Ally needs to be reminded that I also rescinded any contract Ally thought I had with them on XX/XX/2022, according to 15 USC 1635 ( f ) and advised them that their security interest in my car is void per 15 USC 1635 ; Regulation Z XXXX with notification that Ally had 20 days to terminate the security interest. Ally is in receipt of that affidavit with no response and no dispute.
|
| 10/12/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
The phone calls were made by Ally Financial employees.
Ive received a great amount of phone calls & voicemails within the last few months. The ones I have on record will be listed below.
Voice mails XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21 Missed Calls XX/XX/21 XXXX calls XX/XX/21 XXXX calls XX/XX/21 XXXX calls XX/XX/21 XX/XX/21 Answered calls XX/XX/21 XX/XX/21 These are the calls I have access to at the moment but, XXXX be looking for more.
Im not sure if Ill be able to request my call log from my cell phone company or not but I will attempt to. On the phone calls Ive noted that I have lost my job in XXXX due to covid and have been interviewing at different places and have been recently employed. Noting that Ive been struggling to pay. I wasnt offered any options other than to pay. I attempted to make arrangements but they werent helping. Theyve also failed to note my intentions. I have also been given extensions to the wrong phone number. Their dealings have been shady. Theyve called nonstop. Each day multiple times a day. Theyve repossessed my car without warning. They came in the middle of the night. This was the second time they did this. Now Im required to pay the full sum if I want it back as well as additional charges. Ally Financial is a shady company, and they do not care about their customers.
|
| 11/05/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
On XX/XX/19, my Ally Bank debit card was fraudulently used. The charge was for {$410.00} and it appears on my bank statement as " XXXX XXXX XXXX XXXX , CA , US ''. I reported it to Ally Bank XX/XX/19 as a fraudulent charge and they opened a dispute. They came back to me that the dispute was denied because my debit card was used on the website of a 3rd party payment processor and therefore I needed to file the complaint with XXXX. I called XXXX and they continue to tell me that they can not locate the charge without the full 10 digit debit card # that was used. Because the card was fraudulently used, and I subsequently cancelled said card, I no longer have the card in my possession. XXXX tells me they can not locate the charge to open a complaint without the full ten digit number.
I have worked with Ally Bank and after exhausting all resources, they said they have no way of finding the full 10 digit # of a debit card that is cancelled. I have spent hours on the phone with XXXX, and they said there is absolutely no way for them to locate the charge in their system without the full 10 digit debit card number. I am highly suspicious that XXXX has no other way of locating it, or that Ally Bank can't work with XXXX to locate the transaction, but neither company is being helpful and I am still owed {$410.00} that was stolen from my bank account.
|
| 09/16/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I am requesting verification of the account from Ally, account # XXXX on my XXXX report. XXXX has been reporting a balance that is owed. I have paid the balance of in full. In Result of paying my balance of in full I have received the Congratulation letter dated XX/XX/XXXX and I have also received a free and clear Title for the vehicle ( Please see attachment # 1 and # 2 ). I have also disputed this account several times with XXXX and with Ally. I have attached all letters with certified copies.
I spoke with XXXX from XXXX onXX/XX/XXXX and XX/XX/XXXX. OnXX/XX/XXXX, He stated Ally has verified the information as accurate. On XX/XX/XXXX at XXXX we got a Rep on the phone from Ally and she stated she will send me the information I requested which was a payment declined or Bounce check. I am sure I paid my balance off in full. But no one is able to provide me with, why I have a balance. The Rep from Ally did mail a typed letter stating my balance, ( attachment # 3 ) but does not show any type of payment history where the payment was not successfully. I spoke with XXXX on XX/XX/XXXX and stated No updated information were reported from Ally. I have attached all documents for you guys to review and come to an agreement to remove to negative Account off my XXXX Report. If you have any question please contact me at XXXX or t the above address.
|
| 07/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My divorce decree states that my ex-wife took over the payments on a vehicle lease.
She decided to stop paying the payments because she said she couldn't afford it and because the vehicle was originally registered in my name it's going on my credit report instead of hers.
At the time of the divorce she had lost her job due to COVID so there was no way for her to refinance the vehicle into her name.
Ally financial wouldn't let her do it.
So now Ally has trashed my credit report.
They won't do anything about it because they say it's a contract and it can't be broken.
I guess a court document is irrelevant in this country now because they don't have any say over what corporations can do.
And big corporations like Ally can just do what they want to do.
This is just such a common sense issue I'm not sure why it matters to Ally who ultimately gets their credit report destroyed. It should be the person who is responsible which is my ex-wife not me.
Ultimately we need to have legislation to force these companies to be accountable to the people rather than to themselves. The credit reporting bureau doesn't even explain it in my credit report so when someone reads it all it says is I've disputed it.
And who even knows if someone that's reviewing my credit would even bother to review a note.
The system is broken and needs to be overhauled
|
| 09/02/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
My husband and I applied for a jumbo mortgage from Ally Bank. We have XXXX credit, putting 20 % down, debt to income ratio ( including the mortgage we applied ) is below 20 %. Our loan was conditionally approved within a few days. I was told that we are just waiting for third parties - appraisals, title, otherwise we are good to go. However, Ally later found out that I applied for the federal COVID related forbearance plan and denied our application. I applied for the forbearance program in XXXX. While I was in the forbearance program, I didn't make my XXXX mortgage payment but I started making payment in XXXX ( made XXXX payments in XXXX ) and XXXX and the property was sold in XXXX, 2021. My reason for going to forbearance was because I was worried about losing childcare services and was considering taking an unpaid leave from work to care for my son. Fortunately, I secured child care and stayed at work full time. The loan officer explained to me that Ally has to look into each mortgage forbearance in the past 24 months but they have an exception for COVID related forbearance. They denied my application the following day. I would like to find out who went into forbearance got approved. In my case, I missed one month mortgage payment ( but caught up the following month ) and my property was sold 3 months before I applied for the mortgage.
|
| 04/06/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I paid off a loan with Ally Bank on XX/XX/XXXX via electronic payment. The funds were immediately taken from my checking account. When reached out to Ally to inquire about receiving a lien release letter, I got no response. I reached out a second time the following day via social media and was told someone would reach out within 24 hours. I still received no response. I then called on Monday, XX/XX/XXXX and was read very vague statements about the process. " It will take about 10 days to process payment '', " it will take about 7 to 10 days to mail the release ''. I reached out on XX/XX/XXXX, which was 10 days after the payment was initiated and spoke to a representative that told me it would be faxed on that day. It did not come on the XXXX, so I called again on the XXXX and spoke to XXXX, a supervisor and was again given vague dates. " Need to wait a couple more days for processing ''. This is a process that takes less than an hour in a branch and I have been waiting nearly two weeks. I have expressed my frustration and keep getting the same response from Ally. I would like specifics on when the release will be sent to me and how ( I prefer fax or email ). I am not given the grace of a range of dates for payments and if someone is 1 day late they are assessed a fee. The same standard should be applied when a contract has been satisfied.
|
| 04/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report.
I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report.
According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible.
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know.
I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action.
Thank you for your prompt attention to this matter.
|
| 04/19/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
|
I filed an SEC complaint against ALLY Invest about a week ago due to refusing to sell investments in a timely manner. Then on XX/XX/22, I tired to withdraw the money from my Ally Bank account only to find it blocked. I called Ally Bank to find out why. They would not say. Instead Ally Bank directed me to their fraud department. I was made to verity myself and then placed on hold. The fraud department came back and said they did not believe I was the owner of the bank account.
I was mad. All my savings is with Ally. If my account stays closed, how will I pay my bills? My paycheck goes to ALLY Bank. I can't get any money out an ATM because my account is locked. I would need to send in more information about myself before my account would be opened again. I sent information on XX/XX/22. I called today on XX/XX/22 and ask for the status of the account closure. Ally fraud department still will not say anything. I was told there is no set end time for the fraud investigation.
I am not understanding any of this. How can a bank just take a person money without warring? I have bills to pay. There has been no fraud on my account in the XXXX years I have held this account. No one at ALLY Bank has ever asked for more information about my ID.
Can someone help me? If this does not get resolved soon, I will have to sell something to pay my bills.
|
| 11/20/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
Due to a pending divorce, my wife decided not to make the car payment for 3 months. As a result of this, the vehicle was repossessed. Ally financial, the loan originator, sent me a letter on XXXX stating their intent to sell the vehicle by XXXX. Their letter stated that I could get the vehicle back if I paid the past due payments plus late fees and towing charges. The letter instructed that I could make the payment by cashiers check, XXXX XXXX or money gram. After contacting ally on XXXX for the exact amount owed to get the vehicle back, I made a payment of {$2700.00} via XXXX XXXX by phone as instructed per their letter. 4 days later and hours spent on the phone and they still have n't released my vehicle to me. The reason they state is that I used XXXX XXXX speed pay instead of XXXX XXXX quick collect. Nowhere in their letter does it specify to use XXXX XXXX quick collect. I have paid the balance in full and ally refuses to either refund my money so I csn pay via quick collect or release my vehicle to me. Ally has stated that they will apply my payment to the remaining vehicle balance but that is not why I paid this amount. {$2700.00} was paid to ally for the sole purpose of getting my vehicle back from repossession. This is fraud and deceptive business practices. I have also contacted the Missouri attorney general to file a complaint.
|
| 11/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
Ally Bank report false information to the credit bureaus yes the car was repossess but the car wasn't repossess from my residence or worksite. Ally Bank contact XXXX XXXX aka XXXX XXXX to find the shop to gain repossession of the car. During ligation I was told I can bring in XXXX XXXX in as an third party defendant to find and gain repossession of the car in case docket # XXXX. Ally Bank non-suited the case XXXX XXXX the case docket # XXXX and less than an week later I receive a letter claiming they have the car from the letter was posted dated XX/XX/2021. Ally Bank had the car during ligation and kept it conceal that's basically Fraud. I believe the main reason why Ally Bank non-suited the case is to avoid paying me the {$40000.00} bond for a wrongfully issue " Writ of sequestration '' and to protect their lawyer from the charge of perjury on an sworn declaration.
Ally Bank is trying to make it look like I put the car in the shop and hide it and they later repossess it. This is false XXXX XXXX hide the car at an shop and didn't me where and Ally Bank later repossess the car by contact XXXX XXXX without letting me know and then file an illegal lawsuit pretending that they never got in contact with him. If Ally Bank refiles then I will remove the case to federal court and counter claim for misrepresentation and fraudulent concealment.
|
| 08/14/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I purchased a truck in XX/XX/XXXX. I bought it thru a dealership, the int. was high even tho I had good credit rating. The finance person assured me repeatedly that I would be able to lower the payment within a year. That was a flat out lie. They sold the contract. The company that purchased it did a terrible job with how they applied the int to the loan taking way more than they should have each month. I stopped making payments until they corrected this situation. They never did. Instead they put two payments to the rear of the loan to get me caught up, I made a double payment, all of which went to int. except a small amount. The credit report constantly shows me late, when in XXXX I caught up and stayed current. they even admitted they missed one of my payments. they wont correct it. very damaging. and still they want thousands more in interest money than they should be getting. the correct amount should be {$13000.00}. they have it as XXXX, and I have paid well over 15,000 with more expected. I have argued til I am blue in the face. they just wont listen to reason. I show I have 8 payments left, they are demanding 12. I refuse to give in to them. I just want this done. I may not have been perfect on this loan, but it is paid and I can pay it off today, if they would come to a real number, and that would be 6 months ahead of schedule.
|
| 02/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
XX/XX/XXXX Ally went to the extreme and took money out of a former customer account with Ally who is a relative of mine that lives in the same residence Relative only has the same address that was on file but every other information is separate to my account They took XXXX and put it towards my account because my payments were past due to a situation with the insurance and dealership claim I had because the hurricane damaged the XXXXXXXX XXXX I have leased with Ally My relative noticed her money was missing because she received a notice Now due to their actions she was able to get the money back and she ended up refinancing with a different bank Now in my situation I haven not had my vehicle since XXXX due to the damages and all I have contacted Ally plenty of times giving them notes on why have not been able to make a payment but yet every single time I speak to someone they say there are no notes I received a letter on XX/XX/XXXX from Ally stating they have my vehicle and to pay the full amount to get it back but also on the letter it also states or get it back for less just to contact them for the payment options as soon as I call they tell me otherwise and I am trying to speak to them on my concerns and they hang up This bank is so quick to ask and take money from others but can not help out like how they supposebly say in writing.
|
| 08/01/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
Servicemember |
|
The is an extension to complaint ID - XXXX submitted on XX/XX/XXXX. I had a conversation with Ally Auto they are still referring back to the dealership and the dealership has been extremely uncooperative and disrespectful towards my concerns. I am really at a loss because the dealership continues to run my credit report to finance loans. and now they have me financed under is a XXXX XXXX XXXX and the amount financed was {$24000.00} which is what Ally Auto said to me. I clarified I did not sign for an auto loan for this vehicle and my credit was ran without my consent. I have the contract and it clearly states XXXX XXXX XXXX amount financed was {$35000.00}. I was financed for a XXXX XXXX XXXX XXXX Momentum and upon doing some additional research on the Vehicle Identification Number ( VIN ) XXXX on the XXXX XXXX XXXX XXXX XXXX ( XXXX ) its saying the VIN is incomplete and the XXXX position of the VIN does not match the model and year. I have reached out to the dealership and they have no intention to cancel the loan. I received a credit alert yesterday. XXXX XXXX XXXXXXXX in XXXX Kansas ( auto dealership ) processed another auto loan application without my consent. " Error Text : XXXX - Incomplete VIN ; XXXX - Model Year Warning - Model Year entered for decoding with VIN does not match the model year based on the XXXX position in VIN. ''
|
| 09/24/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I have an auto loan through ally financial in XX/XX/XXXX I became unemployed for a yr so I filed chapter XXXX bankruptcy, kept the car paid the note each month, for three yrs, the XXXX got dismissed not discharged XX/XX/XXXX, I spoke with numerous cs reps in the ally bankruptcy department all telling me that I 'd have to pay XXXX within 60 days after it 's dismissed so my car was worth what I owed so I figured I 'd just trade it in, so for two months I dealt with XXXX dealers. The only reason I pursued the new car was because it was cheaper than paying XXXX all up front, so I got a new car traded mine in 20 days later XXXX XXXX in XXXX oh asked for the car back. So I call ally again finally someone sent me to a person that said I only have to pay XXXX and restart my contract with same interest rate. Had someone told me this from the beginning I would have waited before trying to trade it in. So all the false statements I was given over two months, I now have XXXX hard inquires on my credit causing my score to drop XXXX points. So due to ally giving false info. and poor finance management my credit had to suffer even more. I find it unfair that these foreign customer service reps at these banks do n't know anything and do n't have the correct answers. It 's bs and the consumer suffers while trying to better their situation it 's unfair.
|
| 02/03/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
Ally financial has late payments fees and I understand that is just that they promise to waved the past month fees of XXXX dollars approximately and it 's been more than 25 days that they said that they would and they have n't done any changes to the account of that adjustment I am really mad because as I explained them the reason of my payment delay was because I had a family emergency and most of the time pay roll is something that is not on my behalf I just have to wait to get paid when my boss pays me I have no control for that it 's sad that this big company keeps telling me that I need to contact them thru the phone and they do n't seem to fix the issue. I keep telling them and repeated them my situation over and over and as they stated and promise that they would help me and adjusted nothing is yet waived after all those many times we spoke and after those secure messages that I sent thru the mobile app all they kept saying was I need to call ally financial to discuss that matter but why when we had already talk and they promise to waived the late fees of XXXX it 's not like I 've XXXX payments I have good relationship with them and I would want my relationship to be finished. I hope that they consider not playing with the customers since they had agreed to waived the fees and than not doing it after all. It upsets me so much.
|
| 05/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
XX/XX/2023 I Mailed a Notarized Certified Letter to ALLY FINANCIAL notifying them of a Billing Error i was Disputing. I also filed a CFPB complaint ( # XXXX ) and attached the copy of the billing error notice, which they received on XX/XX/2023. XXXX XXXX XXXX specifically states what was required by Law. Ally did not provide any of the required documents to me in writing or proof of any investigation into this Billing Error. THEY WILLFULLY DID NOT COMPLY AND ARE IN VIOLATION.15 USC 1666e states " any creditor who fails to comply with the requirements of section FORFEITS ANY RIGHT TO COLLECT FROM ME! Instead, ALLY FINANCIAL is willfully and knowingly non compliant and even took ADVERSE ACTION against me. They reported 2 late payments which is a form of " negative credit reporting '' as a result of me exercising my right to withhold payment until the Billing Error is resolved. ( 12 CFR 1026.13 ) Attached i included photos of my XXXX Credit Report i checked on XX/XX/2023. ALLY received my Billing Error on XX/XX/2023 and is still knowingly and willingly violating my rights as a consumer. I am attaching a Cease and Desist Notice I will mail to ALLY via certified mail.
I have made multiple attempts to try and resolve this dispute reasonably but if they do not meet my demands, i will have no choice except to move forward with Arbitration.
|
| 03/03/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
My debit card and the related checking account have become unreliable since I moved and changed my address in late XXXX. Transactions fail about 1/3 of the time, both online and in person. I can not use XXXX because Ally bank keeps rejecting linking my accounts.
I have called Ally 5 or 6 times, spending over and hour on the phone with every attempt. Ive been told 3 times that the error was due to the address change and told 3 times it has been corrected. Ive been told errors with transactions have always been an issue with the merchant, even when I was able to complete a transaction with a credit card and the same mailing address. I was told today that Ally is dealing with a new system, but that information was not made publicly available. I was also told that the issue with XXXX is a known issue, and again there was no public transparency.
It honestly seems like Ally just doesnt care about these issues, customers having access to funds, or about retention of any kind. I am already planning to switch banks, and I have informed them of this. They have made no efforts to fix the issue, or reach out to me as a customer. Even when I sent a secure message 2 days ago, they have not responded. I spent half of an hour long phone cal on hold ( for various amounts of time ) and when I was disconnected, to attempt was made to call me back.
|
| 05/27/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
On or about XXXX XX/XX/2021 I was contacted by telephone from Ally Auto and the representative told me her name was XXXX XXXX The rep began to ask me if I was who she called for and after verifying she was from Ally Auto I responded yes I am and she immediately began to divulge my debt including the amount, and the late payment status. I first asked her were there any recent notes because I spoke with another rep within the last two weeks and she advised me of a promise to pay note from XX/XX/2021. I stated I was very happy that I record these conversations because I explained numerous times that since XX/XX/2021 I suffered an on the job injury and between the Pandemic and the injury that my income is now reduced substantially. XXXX told me that there was no notes of that. I also explained to her and previous reps that Ally has not tried to work with me to make these payments more affordable. They have not tried. Now while XXXX continued to give me the information about my debt she failed to verify first who she was speaking with meaning if I was the actual debtee by verifying pertinent information for security which is required by Federal Law. Simply using the phone number as she said she did because " prior colleagues contacted me using the same phone number '' is not abiding by the rules of debt collection and financial security.
|
| 04/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I AM FURIOUS WITH THE 2 CREDIT REPORTING AGENCIES XXXX AND XXXX AND THE 3 COMPANIES WHO ARE IGNORING MY REQUEST FOR REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. ITS BEEN OVER 1 MONTH AND IT IS STILL IN PENDING STATUS, BY LAW IF THEY CAN NOT PROVE THAT THIS IS MY ACCOUNT THEY MUST REMOVE IT FROM MY CREDIT REPORT, THEY CAN NOT SAY THAT WE HAVE NOT COMPLETED OUR INVESTIGATION AND IT CAN TAKE OVER 60+ DAYS. THEY MUST GIVE THE 3 CREDIT BUREAUS *******COMPLETED***** INVESTIGATION RESULTS, NOT GIVE THEM INCORRECT INFORMATION OF THE ACCOUNTS BEING VALID, WHEN THEY HAVE NOT EVEN CONCLUDED THEIR INVESTIGATION!!!! THEY HAVE NO SOLID VIABLE EVIDENCE THAT THEY CAN USE, SENDING ME CREDIT CARD STATEMENTS IS NOT PROVING THAT THOSE ACCOUNTS BELONGED TO ME!!!!! I WILL NOT BE RESPONSIBLE FOR FRAUDULENT ACTIVITY THAT WAS NOT DONE BY ME!!!!!! ABSOLUTELY RIDICULOUS CUSTOMER SERVICE, THIS IS MY FINAL ATTEMPT TO SEEK HELP FROM YOU SO THEY BOTH REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. XXXX WAS AMAZING AND THEY REMOVED THE FRAUDULENT ACCOUNTS IN A TIMELY FASHION, ON THE OTHER HAND XXXX AND XXXX BOTH ARE NOT REMOVING THE ACCOUNTS. I AM REPORTING THE 2 CREDIT REPORTING AGENCIES XXXX AND XXXX AS WELL AS THE 3 LENDORS WHO ARE REPORTING INCORRECT INFORMATION ON MY CREDIT REPORT, THEY HAVE RECIEVED MY FEDERAL TRADE COMMISSION REPORT.
|
| 05/09/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
Follow-up to CFPB Case Number XXXX - I received response from Ally Financial on XXXX XXXX , XXXX with respect to my prior lease an d Ally ' s assertion of excess tire wear. The response is completely inadequate to my complaint as they have not addressed that their tire tread requirements to a returned lease on a XXXX mile contract was, and remains, impossible to achieve on any lease. Ally is fully aware, or at least should be aware, that their tire requirements are false and misleading and is thus a hidden fee to their lease agreements and thus should be considered an illegal action under the Dodd Frank legi slation and the jurisdiction of the CFPB. The response received from Ally is a s imple " canned '' corporate response and fails to address the misrepresentation assert ed by Ally in their lease agreements. Finally, as someone who has leased vehicles for over XXXX years with XXXX per year mileage requirements this is indeed the first time I have ever been assessed excess wear on my vehicle. I can say categorically that the said vehicle was returned to Ally in immaculate condition and with tire tread well within legal safety requirements. As noted the Ally lease has both false and misleading requirements that were at the outset impossible to physically achieve, hence should be illegal u nder the CFPB 's mandate!
|
| 02/28/2021 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I got behind on my XXXX payments with Ally Financial. I was in communication with the company and made arrangements to bring the account up to date. After I spoke to them they started calling all of my family. They called my adoptive mother, my biological mother ( who I did not grow up with ) XXXX of my brothers, my brothers wives all on the same day, and when XXXX of my sister in laws did not answer the phone they called my sister in laws parents. They told my biological mother how they were getting the information to contact all of them. He said he paid for the phone numbers for all of the people that I might be related to our had possible connections to.
They called my husbands family as well. They did not disclose the debt but they began asking questions about where I lived, how to contact me, who I worked for etc. which they already had that information. They did all of this on the same day in a mater of hours. My sister in laws live in the same home as their husbands and after they hung up with my brothers they called my sisters in laws phones.
This is harassment and should not be allowed. Of course my family would know what was going on when every single one of them were called within minutes of each other. They might as well have told them I was past due. They all speak to each other so everyone knew they had been called.
|
| 05/16/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
|
|
Web |
|
|
I am at the end of my Lease with a vehicle through Ally Financial. They have given me a buyout amount in my lease contract ( to buy the car ) and quoted me through their customer service team. I have been approved for financing through my credit union, and Ally Financial refuses to send the proper documentation to my credit union so I can complete the buyout. They have only given me the option of financing the buyout through them ( XXXX ) at a much higher interest rate than my credit union, paying cash, or going through a dealer. The dealer option has dealer fees associated with it, and the payoff is higher than the quote I got from Ally ( dealer buyout is different amount? ). Ally will not allow me to use a lender of my choice, and are forcing me into a loan for this car that is not reflective of my credit.
My Credit Union approval was for {$24000.00} at 2.75 % APR for 60 months XXXX XXXX ( Ally 's company they will let me finance through ) approval was for {$24000.00} at 4.49 % for 60 months The dealerships said they can match my credit union rate, but have a $ XXXX document fee, and a higher buyout ( {$2500.00} higher ) from Ally Financial than what I have been quoted.
I have a chat transcript from Ally on XX/XX/11 that states they will not send the lease buyout documents to my credit union or any 3rd party for that matter.
|
| 09/27/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
ALLY BANK : Can not access my account ; my on line account blocked while I have all proper credentials. On XX/XX/2021 call bank to give instructions on what to do with my CD account when it matures. The person answering my call ( XXXX ) ask me for my old phone number no longer in service. and I could not recall it. I gave her my current and only cell phone number. She did not accept that and start asking questions beyond the usual ( social security number, age, dog name, mother 's maiden name ). Not satisfied with these, asking me many others which I think answered O.K. I now remembered my old phone number, told her what it was ; She said it is too late. Started asking about the color of a car a XXXX car, I told her I do not own a XXXX car. I got frustrated and said why not go directly on my line account which I have the proper credentials. I login but she blocked my account. I phone again another person answered, she ask me the 4 basic questions, satisfied with my identity, ask me what I want, I told her my account is blocked. She talk to somebody, came back and said I have to wait and a specialist will call me. I ask to speak to a supervisor, he told me I have to wait 2 days and there is nothing he can do. I called again on XX/XX/2021 and again on XX/XX/2021.
Today XX/XX/2021, still waiting for the so called specialist to call.
|
| 03/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I previously submitted a compliant under case # XXXX. Ally did not address the concerns in my letter in the reply they submitted to the the CFPB : 1. The reply did not explain why the charge-off on the account was reported as of XX/XX/XXXX for over a year, and why it was changed to XX/XX/XXXX, after my dispute was filed in XXXX of XXXX.
2. The response states the date of first delinquency reported to the credit bureau was XX/XX/XXXX, and claims that the change made, did not affect how long the information was to remain on my credit ; however, the information that I submitted, shows that the account was listed to remain on my credit file until XX/XX/XXXX prior to the update Ally made to the credit bureau, and afterward, it shows that it remains on my credit report until XXXX of XXXX ( see attachments originally submitted and included again herein XXXX.
3. Additionally, the payment history included in the reply shows the account was dispositioned from the primary system of record on XX/XX/XXXX, which means the date submitted to the credit bureau is incorrect.
4. Finally, the payment history shows that this amount was owing as of XX/XX/XXXX after the lease maturity occurred on XX/XX/XXXX ; therefore, the last day of payment should actually be XX/XX/XXXX. Ally needs to correct this error in reporting of the details of this account.
|
| 02/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Web |
|
|
On XX/XX/2021, I went there for a consumer credit transaction, and due to my knowledge as of the timing of this complaint, Ive realized that this whole transaction was a fraudulent act that was taken against me during this transaction and after this transaction, the dealership which I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. Violated all Acts 1 Act : Title 15 U.S.C. 1605 Due to my knowledge the finance charge covers everything, including premium.. which I was wrongfully made to purchase myself knowing the finance charges covers premium.. also there was cash involved which they made me put a down payment of {$10000.00} plus a sum of {$900.00} for my own premium insurance Act 2 : title 15 U.S.C. 1611 I was given false information throughout this whole transaction Act 3 : 15 U.S.C. 1662 They promoted a down payment which is illegal and unlawful Due to dishonesty in this transaction, I do not know if this company really had an insurance license, because I know its required to sell consumer contracts. So therefore I was also violated for my premium rights, had to pay out of pocket, which were already covered for. Also theyre withholding my receipts; personal property.. after Ive tried to retrieve it from them countless times. Also Act 4 : title 15 usc 1635 they did disclose that I had the right to rescind the contract
|
| 11/09/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I have received a six years loan from Ally Auto Finance on my XXXX XXXX XXXX and I paid off my loan completely. But before I paid my loan I requested two extensions during XXXX that were delayed and the manager did not call me back and later did not grant the extensions. Ally delayed the extensions and as no manager called me back they accumulated late fees, and on top of the late fees they accumulated more late fees, right now are at over {$250.00} and growing. Ally instead fraudulently collected more late fees and withheld my pink slip to try to repossess a paid off loan. I asked for my title and pink slip at least 10 times, but Ally refused to send me my title. The XXXX XXXX speaking representatives always lied to me and even when they promise their managers will call me, no one called me and the still collected more late fees that they added to the loan and that they say I owed. I asked them to remove the late fees and send me my pink slip and they ignored me. Meanwhile they have reported me to the credit bureaus and my high credit score dropped and was damages because of Ally. Ally also blocked me access to details of my loan online and I could not access them to request my pink slip online. This company is evil after I was a good customer for 6 years and paid off my loan they mistreat me and engage in fraud. Please help me!
|
| 09/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I went to XXXX XXXX dealership in XXXX XXXX, ND and after being told that I did not qualify for any sort of car or loan I realized that they had placed several hard inquiries with different potential lenders in the short time that I had been there. Although it seems as if they have removed any evidence of the hard inquiries on the dealership 's behalf, it is my belief that my information was already shared or sold to other entities who have used my data in the most improper ways to either create unnecessary credit reporting. Also, it looks as though several companies have taken it upon themselves to change information that has to do with my checking accounts that are including XXXX activity and sharing credit reporting information with potential employers without my consent. These companies would include XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and ALLY Financial. Since learning of these breaches of information and misuse of my data and identity I have noticed an unusual fluctuation in my credit score, I have been denied employment, and my checking account has had several unauthorized debits and withdrawals that I have had to dispute. I really hope that there is some resolution to the difficult situation that this has caused me and my family because I really need to know how to keep this from happening in the future.
|
| 08/22/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
Two unauthorized charges were posted today, XX/XX/2022 on my bank account -- one for {$5.00} and one for {$100.00}. I was first notified of the charges on Saturday, XX/XX/202. Ally texted my alternative phone number first before notifying me and then proceeding to notify me through my email and my primary phone that a fraudulent/suspicious charge was on my account. They were incorrect in the text messages saying that {$100.00} was charged, and it was actually {$100.00}. The text message notifying me also was vague and unclear as it stated " Reply YES or NO to authorize '' implying that if you texted yes or no, it would authorize the transactions. I replied with " No '' in the sense, that I did not want to authorize any transactions. Immediately after I sent that, another message sent stating that I'd receive a call from a fraud specialist. I received a call on Sunday, XX/XX/2022, however I never got in touch with a real person and was put on hold. After about 10 minutes, the automated call stated that there were no specialists available and hung up.
I filed disputes and have not heard back. I am disappointed with the bank since I have been a customer of 8 years. Their dispute questions also seemed like leading questions to frame that maybe it was someone I knew or a company that I had paid before from my bank which is not true.
|
| 02/21/2022 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Since XX/XX/ 2021, Ally restricted my account and will not allow me to make online payments, due to the account dispute documents they've received from me. As a result, I haven not been able to make payments and in turn ALLY has been reporting late payments on my credit files.
Note that this account has been in dispute since XX/XX/2021 and according to 12 CFR 1026.13 ( d ), I have the right to withhold payments until dispute is resolve and ALLY may not report adverse information to the credit agencies during dispute. Even so, throughout this process I have been more than willing to make payments.
By ALLY denying me the right to make online payments and instead demanding that I send them payments via certified funds they are in violation of 12 CFR 1026.10, which states that " a creditor may specify REASONABLE requirements for payments that enable most consumers to make conforming payments ''. A conforming payment is a payment method that the creditor promotes, which in the case of ALLY is making payment online by debit card, by phone, or via automatic payments. With that said, ALLY 's payment demand is unreasonable and has caused me undue hardship.
Attached you'll find : Ally Statement with payment options ; Ally Letters stating they were/are restricting my account ; Screenshot of Ally online portal showing account restriction
|
| 06/19/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I took out an auto loan from Ally Financial in XXXX of XXXX. Starting approximately XXXX of XXXX for a period of 6 to 7 months, this company neglected to report my payments to the credit bureaus. I was told this was due to a system wide glitch. Since this initial period of time, on at least 6 other occasions ( ranging from 1 month to 3 months ), they have neglected to report my payments to the credit bureaus. I have spent countless hours on the phone with customer service trying to get this issue rectified. I have been transferred countless times, repeatedly refused access to supervisors and the credit department and have been disconnected by rude CSRs who simply did not feel like doing their job, more times than I care to remember. The payments should be reported on the XXXX of every month. The last time my payments were reported to XXXX and XXXX was XX/XX/XXXX, only after multiple calls. Ally Auto has not reported my payment to XXXX since XX/XX/XXXX, even after repeated calls to this company. For over a year now, my payments have only been reported after multiple phone calls to Ally Auto and sometimes not even then. Clearly there is an issue here that no one has cared to look into! Making my payments on time is my responsibility. I should not also have to be responsible for making sure my payments are being reported as well.
|
| 06/11/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
Ally financial has promised to collect vehicle at lease expiration but has consistently failed to do so. The lease is more than 6 weeks past expiration and past the date Ally promised to collect. Ally has subsequently stopped communicating with us. Calls and emails to supervisors and executive management have gone unanswered. Ally has told us that we are responsible for the safekeeping of this vehicle. Some folks from Ally have lied about California COVID laws preventing them from arranging a pick up other car lessors have picked up expired leased vehicles during the same time period that Ally said it was not possible. There is never a consistent story from person to person at Ally. The only consistency is that ally expects customers to store vehicles that no longer belong to the customer at the customers property free of charge and to keep paying for insurance even though we are not using the vehicle. We know that XXXX XXXX XXXX has managed to collect vehicles without causing anywhere near as much difficulty that Ally has. Allys responsiveness to consumers during this crisis and its expectation that consumers should provide Ally free safekeeping of Allys vehicles is abhorrent. ( Ally has also failed to provide, upon multiple requests, any nearby locations or any locations at all where the expired vehicle could be surrendered. )
|
| 06/01/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was the victim of abuse and financial exploitation of a vulnerable adult and several accounts were opened in my name while I was XXXX
Numerous attempts to have this account removed from all three credit bureaus has been made, but the account holders continue to attempt to collect the debt despite knowing the items are the direct result of XXXX XXXX and the abuse of a XXXX individual as documented in APS reports.
I have had to flee XXXX miles with my XXXX child and these issues are hindering my ability to house my XXXX child and obtain services for him. I have no support system in this area that I was forced to move to for safety and it is imperative these issues be addressed and removed immediately.
The proper law enforcement ( APS ) forms and FTC reports have been provided, yet the account holders continue to verify the information is " accurate '' and " updates '' it to keep it on the report.
Several agencies realize that the accounts are legitimate fraud, and continue to sell or resell the accounts nearly monthly as they know the monies are not recoverable legally.
Please remove these accounts from all three reports as I am not legally responsible for them as I was medically incapacitated/under duress during the time of the purchases and can not be held liable, and the documented victim of financial exploitation.
|
| 02/22/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
Ally sent me numerous emails, like the one attached, stating I would receive a 1 % bonus if I : 1 ) opened an account by XX/XX/XXXX with promo code XXXX 2 ) transfer money by XXXX 3 ) keep money that money until XX/XX/XXXX and 4 ) keep account in good standing and bonus will be paid by XX/XX/XXXX.
1 ) I opened an account on XX/XX/XXXX with promo code applied ( and sent them a print screen of the promo code applied ) 2 ) completed {$50000.00} of transfers by XX/XX/XXXX 3 ) maintained transferred funds until XX/XX/XXXX 4 ) my account is still open and in good standing but they will not pay me the bonus. I contacted them on XX/XX/XXXX to inquire about the bonus and they said I would have received another email if I was eligible ( which was not mentioned in the promotional emails they sent me to entice me to transfer funds from my higher paying accounts to their lower paying accounts ). I asked for more specifics on why they would not honor the terms of their promotional email I met all the requirements for as I considered that false advertising and mentioned I would file a complaint with the CFPB. They replied on XX/XX/XXXX they would escalate my issue and respond with 24-48 hours but I still have not received a response as of XX/XX/XXXX or any valid reason on why they won't honor their promotion I completed the requirements for.
|
| 09/01/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
I initiated a transfer of {$10000.00} through XXXX XXXX to pull the funds from my Ally Bank savings account and deposit them in my XXXX XXXX account. This was executed on XX/XX/23 and I can see the funds were withdrawn from my Ally account. XXXX XXXX rejected these funds ( after speaking with their customer service it was suspected fraud which is why they rejected it I am being told ) on XX/XX/23 which I received an email for. I was informed through that email these funds should settle back with Ally Bank in 3-5 business days.
It has now been 23 days since the initial transfer and the funds are at neither bank and thus have effectively disappeared. I spoke to both banks several times and multiple times they both told me they could not help and that it was the responsibility of the other bank. After numerous attempts, Ally agreed to open a " dispute '' which they said would be handled in 10 days. I still have {$10000.00} that is unaccounted for and not moved back to the Ally bank account. I am very concerned about this as Ally has not inspired confidence in returning my funds and this is a significant amount of money for me. I have greater concerns that a transfer between banks, which should be a common financial transaction, could go missing like this without the bank being able to quickly resolve through automated processes.
|
| 02/14/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I signed up for Ally Financing to purchase a XXXX XXXX XXXX conditioning unit through XXXX XXXX XXXX XXXX in XXXX XXXX for my second home this past XXXX. My account number ends in XXXX.
When I signed up, I agreed to an APR of 9.99 %. XXXX from XXXX took my application over the phone and confirmed this. However, when I received my bill in the mail from Ally the APR assessed was 14.99 %. Now, I dont know any reasonable person who would agree to this outrageous rate. That would mean, over the course of the ten year loan, I would end up paying back {$20000.00} for a {$10000.00} loan! Thats ridiculous and I would never have agreed to that rate. Further, I have excellent credit and own two homes, theres no way I wouldnt qualify for the 9.99 % rate XXXX at XXXX originally quoted me.
I want to give this company the benefit of the doubt and assume this was a mistake, rather than fraud or a bait and switch. Im asking them to correct their error. If they reduce the APR to the originally promised 9.99 %, we will have no further issue. If they refuse, then Ill take the matter to small claims court. If thats not successful, XXXX can come and take the air conditioner unit back and refund Allys money in full, as far as Im concerned. What I know for sure is, XXXX quoted me 9.99 % over the phone and I will not pay one cent over that amount.
|
| 05/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I set up payments in my XXXX app the same way I always do and for some reason it did not go through. It went through the previous 2 months and it was set up the same way. I had no idea it didnt go through until my boyfriend said Ally keeps calling me and telling me my car payment is late but then they pull up my account and say its fine we arent sure why anyone is calling you. I never got any type of notification it was late and didnt know my payment didnt go through. Finally he asked a bunch of questions because he was frustrated they kept calling and realized they were calling for me. I looked at my paperwork from the dealership and they used his phone number and some of his other info on my application my mistake ( he also has a car loan with Ally and applied to get a new car at the same time I did ). As soon as I realized what happened I called and made the payment. I told the representative what happened and she said shed put in a request to not report to the credit bureau because it was a mistake from the dealership and if Id have been notified it didnt go through or was late or received a reminder it would have been paid on time. This is more so a complaint for the car dealership for their error but I dont feel like I should be penalized for that. Id just like the 30 day late removed please. They did waive the late fee.
|
| 01/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
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ALLY FINANCIAL sent me a notice of repossession for a XXXX XXXX. ( I cured it by selling the car and paying off the balance IN FULL ). However, prior to me doing so, they repossessed the car ILLEGALLY by having the company they hired illegally walk onto our private property and break into our closed locked garage door... then removed the car! This is absolutely illegal. Repossession agents are not allowed to break into private property ( open a garage door ) to repossess a car.
They then proceeded to act unethically and without any care in the world for how it affected my credit scores ... by inaccurately reporting it for years on ALL XXXX CREDIT BUREAUS, first as repossessed, then after many years they put redeemed repossession, both wrong. An illegal repossession can not be reported on one 's credit bureaus, the account MUST BE REMOVED ENTIRELY, or changed to ONLY positive reporting. I have written them for years, wasted so much time, emailing letters, mailing physical certified letters, and calling them requesting they remove my account entirely since it is inaccurately reported and has caused me serious credit damage. They REFUSE to correct my credit report and are still reporting it as repossessed.
Please make them remove the entire account. They should also pay me damages for causing me credit damage. Sincere thanks.
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| 10/07/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Problem with a trade-in
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Web |
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I purchased my XXXX XXXX XXXX XXXX in XX/XX/2018. I co-signed the vehicle for my husband, My husband got laid off right before the pandemic and we decided to possibly trade in the truck because we could not afford my car payment and the truck car payment. We took the truck to several dealerships for trade in and we were told that the XXXX XXXX was a XXXX Import and no car dealership would buy the truck from us because the truck holds no warranty value in the U.S. The dealership ( XXXX XXXX ) located at XXXX XXXX XXXX, XXXX, IL never told me that I was purchasing a XXXX Import and no dealership will accept a XXXX Import. I feel hoodwinked. When I contacted XXXX XXXX that just blew me off and told me it shouldn't be a problem. Now I'm constantly late on my payments, I have no other choice but to pay when I can or eventually will have to give the truck back to Ally that finances my car. I asked for my disclosure from XXXX XXXX and Ally and still no response. I would like to get out of this deal because I can't trade in the vehicle, I'm upside down in the loan, I constantly keep getting negative marks on my credit report because I'm late paying. Dealerships should inform customers when they purchase XXXX Import vehicles and educate the consumer on the outcomes/reprecussions when they get a car that was not purchased in the U.S.A
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| 08/23/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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In XX/XX/XXXX I cosigned for my partner on a vehicle and leased with Ally Financial ( XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX ) In XX/XX/XXXX My partner filed for Bankruptcy Chapter XXXX and a few items including the vehicle were added to be continously paid off every month under 1 fee.
These fees are still being paid every month on time.
In XX/XX/XXXX I conducted a credit check and found a negative account with Ally Financial and quickly disputed it with all 3 credit bureaus. I check my credit history and score again in XX/XX/XXXX and still found Ally fiinanical reporting non payment, a second dispute was submitted to the credit bureaus along with the bankruptcy information. 1 month later I was sent a letter basically stating that nothing could be done since the financial company continues to report non payment. At this point my credit score had suffered dramatically and continues to do so.
I sent a letter to Ally Financial disputing the negative account and submitted the Chapter XXXX Bankrupcy forms that clearly shows the current payments still being made on the vehicle. I have yet heard anything from anyone.
Today, XX/XX/XXXX, I check my credit and found the matter still has n't been resolved. I have found no resolution with the 3 Credit Beaureaus nor with Ally Financial. I do n't know what else I can do, Please Help
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| 06/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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As of XX/XX/2023 I stated I noticed a fraud account and the credit XXXX XXXX ALLY FINANCIAL claimed they did an investment but how is that possible when I never gace my written instructions ALL COMPANIES AND CREDIT BUREAS INVOLVED ARE IN VIOLATION OF THE LAW!!!!!!
RESPONSE DISPUTE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!
These accounts should not be furnished on my consumer report as they are in VIOLATION!
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
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| 05/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I sold my car at beginning XX/XX/. The new owner informed me there was lien against the car by Ally Finance per XXXX. XXXX stated an Lien Release should have been sent out. The car was paid off XXXX XX/XX/2023, I contacted ALLY Finance about the lien against the car, not receiving any paperwork stating it was paid off or Lien Release . They state they did not know why it had not been release and they would send paper by mail only. They would have to mail it taking 10- 12 business day. After waiting the informed time, I call back numerous time and was told it was sent out in the mail. An letter was received on XX/XX/2023 stating car was paid off. On XXXX, I took copy of title and letter to XXXX. I was informed the letter received was not a Lien Release. A basic letter stating car was paid off without the require Seal/Stamps and not acceptable by XXXX. I call back to ALLY Finance and they pretended to not know why this letter was unacceptable by XXXX and they would just send out another letter in 10- 12 business days. AT this point the car has been returned back to me. the tags have been return to XXXX and there is not insurance on the car. ALLY Finance has refused to provide the Lien Release for the car and XXXX is suggesting I go to another location and speak with someone about this issue, but there is no location in my area.
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| 03/31/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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I have an Auto Loan with Ally Financial and I'm finding their business practices to be rather shady and possibly fraudulent. Ally Financial sends a loan statement each month which shows the amount that is due on that statement, finance charges, late charges, previous balance totals, and other charges. They also display the outstanding balance of the loan and the loan 's interest rate. However what I find fraudulent is when a customer misses a payment, on the next statement, the amount the missed payment was supposed to be for, is under the finance charges line, in addition to a late fee, and previous balance. What I also find fraudulent is the fact that they do not show a payment breakdown a customers statement, nor do they make it easy to find a payment breakdown so consumers can see how much they are spending in late fees, interest, and other misc. charges the lender may tack on. You have to request what is called a " payment history statement '' using their online banking email service and wait for their reply. The representative couldn't even tell me what the charges were for the year unless I gave him the exact dates of the payments. Who on earth has time for that! Time aside from that, this information should and needs to be readily accessible to consumers, especially as our country bulges into further economic deficit.
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| 10/20/2016 |
Yes |
- Consumer Loan
- Installment loan
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- Managing the loan or lease
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Web |
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In reviewing the fraudulent truth in lending statement from Ally Finance, it appears that the lender was receiving kickbacks on the interest rate. Whomever was paying this enormous payment deserves some sort of restitution as Ally really raked them through the coals. Obviously, they did not pull my credit report because I had a fraud alert and freeze. I am wondering if they pulled anyone 's credit or simply stuck a unreasonable rate. They need to be held accountable. They have gotten away with so many dishonest things it 's ridiculous. The truth in lending states there is gap insurance on this automobile. Why would one need gap insurance on a brand new automobile if it were factory to dealer pricing unless the purchase price were jacked up? I am lucky this is not my loan. But whoever did take this deserves to be compensated because Ally totally charges them a massive rate and doubles the price of the vehicle. Who would agree to pay XXXX for a XXXX? you can have a XXXX for that amount of money. Ally financial are crooks and they better remove their fraudulent account from my report. If it is not fraudulent and if you did not know that, why wo n't you produce the documents. Because you know it is fraud. I never made payments to you and here you have quite an extensive payment history, Your reputation definitely has been earned.
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| 02/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Ally Financial, and its agents have abused and deceived me as a consumer for their unfair practices of sharing " Our '' credit experience with third party organizations without prior consent/ permission from me the consumer. XXXX a agent whom works for this corporation stated that Ally believes they are furnishing accurate and complete information or our credit experience with you ( consumer ) labeled in exhibit ( A ) and therefor she will not request the removal from the reporting agencies. this is in violation of 15 usc 1681 a ( 2 ) ( i ) the fair credit reporting act Exclusions section meaning whats supposed to be excluded from a consumer report congress makes it clear that a report containing information solely as to transactions or experiences between the consumer and the person making the report ; must be excluded.
Ally was certified mailed to cease this form of communication including reporting to the credit reporting agencies. your organization never gave me a opt out clause to let me know as a consumer i have the right to opt out of credit reporting which is a violation of the gramm leach bililey act 15 usc 6801.
Note ; Ally has received and signed for all documents i have the green return receipts with signatures. this includes cease and desist, affidavit of Truth, invoice, notice of default opportunity to cure.
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| 11/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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This is my second letter requesting that your company correct your own mistakes. I have received no response from you and yet you continue to report to the credit bureaus, even verifying this account to them when I dispute it. I am well aware that is a violation of the Fair Credit Reporting Act to continue to report information on an account in dispute, especially when you have failed, per the FCRA and FCBA, to verify the account with documented proof. Therefore, I am humbly requesting, once again, that you either verify this account by providing the following information or delete it completely with any and all credit bureaus to which you are reporting.
A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt ; The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit fraud against me as required by the Patriot Act ( You do take these precautions correct? ) An itemized statement breaking down the balance you claim I owe ; and Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.
Thank you for your time and attention to this matter.
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| 07/31/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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I have a car loan with Ally auto and they keep tagging on erroneous fees with no explanation. My last statement and my last car payment was XX/XX/XXXX of 2023. The amount of the car payment was XXXX with erroneous late fees of XXXX total amount due before payment on XXXX statement was XXXX paid my last car payment which the only thing left would be the disputed late fees of XXXX XXXX today when I looked in Ally Auto without any explanation any statement, nothing says I owe an additional {$190.00} They kept giving me different excuses but clearly on my statement it shows no additional charges they tried giving me different excuses and none of them added up. I have a copy of my last statement as well as on the website it says I only owe the disputed late charges but when I go to look at a snapshot of what my total is they added on the {$190.00}.
with no provision as to why on top of that I have auto pay set up and in XXXX where I dont even have a car payment due they were going to deduct another {$370.00}. I have repeatedly contacted Ally Auto. I have contacted their corporate office theyre never there nobody ever picks up the phone and their customer service reps. Do not speak English very well, theyve given me 15 different answers on this erroneous charge and I have the documentation to prove that I do not owe this charge
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| 06/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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I have filed numerous disputes regarding this issue with multiple credit bureaus and uploaded documents to the Document Vault of the creditor Ally Financial and faxed documents to them as well.
My ex-wife and I both signed for an installment loan to purchase a XXXX XXXX XXXX with Ally Financial ( account number is XXXX ). While my wife and I were going through a divorce she totaled the car. Even though she lived in Virginia and was insured with her name only on the policy, her XXXX insurance agent notified me of the accident and informed me that my wife was not answering their phone calls or responding to emails regarding the settling of the claim to pay Ally Bank the insurance payment.
It was determined that I, alone, could sign the documents to settle the insurance claim with XXXX and they made a $ XXXX payment in XX/XX/XXXX, to Ally ( Claim number XXXX Loss Date XX/XX/XXXX ). I also took the steps to recover a partial refund of a service contract that we had purchased for the auto and those dollars were also sent to Ally Financial in XX/XX/XXXX.
When my wife and I settled our divorce, she agreed to pay the remaining balance of the loan. She has not paid this as of today. Not even XXXX dollar. The property and settlement agreement has been approved by the XXXX XXXXXXXX XXXX XXXXXXXX XXXX in XXXX, VA on XX/XX/XXXX.
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| 07/26/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I started a new employer and set up direct deposit into my account on XXXX XXXX I received a paper check instead of direct deposit is it was the first one going into the account the bank proceeded to put an extended hold on my payroll and would not allow access or verify that the check had cleared which in turn overdrew my water bill charging me another {$70.00} in fees and I also was not able to open another bank account elsewhere because Ally Bank have done multiple inquiries on my XXXX XXXX report which are repetitive senseless and on authorized by me which is preventing me from moving my relationship from them I have been a long-time customer they stated this was due to previous overdraft which my account was not negative when this deposit went in there was zero risk as I do not have overdraft on honor, and it does not take over six days to clear a check electronically in todays day and age I have 16 years XXXX experience and XXXX in a corporate setting Im not sure why they failed to see the pre-note coming into the account from my new employer to verify indeed this was a payroll check their customer service has been horrible I have been penalized and charged for senseless reasons and I want reimbursed for these excessive fees that I was charged in this regard I want all their inquiries removed from my XXXX XXXX report
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| 11/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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On XXXX, XX/XX/XXXX, and XXXX and XX/XX/XXXX Ally Financial added a derogatory mark on my credit report per XXXX and XXXX. XXXX, however, quickly updated my records as requested and found that I was never late with payment. Upon further research, this account was a part of a lawsuit that was just that found Ally at fault for a policy of allowing dealers to increase or markup consumers risk-based interest rates, and paying dealers from those markups, and that the policy lacked adequate controls or monitoring. As a result, it was found that that the markup policy resulted in XXXX American, XXXX, XXXX and XXXX XXXX borrowers paying more for auto loans than similarly situated XXXX XXXX borrowers. As an XXXX American I also feel they reported my payments late right after was awarded to those affected by their ethics. I was never late with my payments and therefore asked that my payment history be corrected to reflect my on-time payment history. There was NO written form of communication, contract, or signature for this accused late payment. A bill without a signature does not validate my payment being late and anyone could change the date the payment was received to another date. According to the FCRA, Ally Financial has violated my rights as a consumer and I am requesting legal action to update my payment history immediately.
|
| 06/26/2015 |
Yes |
- Money transfers
- Domestic (US) money transfer
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Web |
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XXXX is offered through Ally Bank, and through this service, I sent my daughter money thinking it 's safe to do so ( Ally payment # XXXX ). She, in turn, downloaded a XXXX app and entered her information plus a XXXX debit card number. She never received the money. In her conversation with a XXXX representative, she discovered that XXXX had completely different first XXXX digits of the debit card number ( wrong first XXXX digits were XXXX XXXX XXXX ) and only had the last XXXX digits correctly. XXXX asked me to file a claim with Ally Bank, but Ally Bank stated it can not help ( even though XXXX is a XXXX party product endorsed and made available by Ally Bank ). XXXX also asked my daughter to contact her bank and give them a XXXX Federal Reserve trace number ( XXXX ), but her bank says they can not help either. We asked XXXX to reverse the deposit that was made to the wrong debit card, but they said that can not be done. Ally bank states since XXXX deposited the money into the wrong debit card, Popmoney can also reverse that deposit. However, XXXX refuses to do so. I am thinking XXXX 's system may have been hacked. I have never seen anyone capable of typing first XXXX digits incorrectly but the last XXXX digits correctly. In addition, miraculously the wrong XXXX digits are part of a valid debit card number for some stranger.
|
| 07/04/2016 |
Yes |
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- Communication tactics
- Frequent or repeated calls
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Web |
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Its Ally Financial Ally Financial XXXX. XXXX XXXX XXXX, MN XXXX. I asked them not to call on Saturday, sundays or holidays. I emailed them this request. They continue to contact me at all times of day, at work on my cell phone. They never sent written notice to me. The system calls automatically, when i answer no one is on the phone nor is the name on the caller ID. When i call back, they ask for personal info before identifying them selves. When i ask where they are calling from, they usually say the XXXX. I recieved XXXX calls today on XXXX. Told the rep it is a federal holiday and not to call as i had previously notifeid them. He replied who cares its not his holiday and he has a job to do. I also informed he was calling my cell phone. He said he does n't care. I informed him he should realize holidays are inconvient times as are weekends and evenings. He stated again he has a job to do. I read him the Fair Collection Act guidelines. I asked to speak with an XXXX speaking rep in the XXXX, he said those offices are closed. Be became abusive stating he would come and have someone take my car today if i did n't pay. Im only 10 days late. XXXX XXXX, 2016. Another rep called 4 times after i told her to stop. i asked to move a payment to the end of a loan due to physical issues. She said OK if i paid a {$490.00} fee to do so
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| 10/17/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
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I havent been able to use any funds on my Ally bank account for almost a week. I have called their customer service and, after passing all the verification questions, asked to transfer the entire balance to my other bank account. The transfer was initiated by the customer service on XX/XX/2023. Two days later my account was suspended. I called the fraud department and after a few verification questions the account was unsuspended. It was advised by the fraud department that there will be no issues to transfer the amount now. So on XXXX of XXXX another transfer was initiated to the same ( my own ) bank account which was suspended immediately together with my bank account. I called again to unblock the account. The account is suspended for any services now so I have been totally unable to use my funds since XX/XX/XXXX. On XX/XX/XXXX another transfer of XXXX was initiated to XXXX which didnt post yet. It is supposed to be posted to XXXX on XX/XX/XXXX but Ally bank customer service says that the account is suspended so the funds will not arrive. I left a request to unsuspend the account again on XX/XX/XXXX. All my previously connected by me banks disappeared from the transfer section of the Ally bank App making me unable to use ACH transfer. I have had quite a bit of distress from Ally bank banking practices described above.
|
| 10/09/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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Responded to advertisement on XXXX on XX/XX/2020. The advertised rate was 2.5 % for a 20-year fixed rate mortgage with no points or other upfront costs. After going through the pre-approval process, Ally Bank 's real rates were nowhere near the advertised rate. When I called to get an explanation, they said they were not actually offering the advertised rate. I told them I would submit regulatory complaints for blatant bait and switch. They said " good luck with that ''. They later followed up by email to say they wanted to " run some options by me ''. I responded to say, I'd be happy to proceed on the basis of the advertised rate. They have not responded at all since their original email. I also note that the same false rate was still advertised on XXXX today and that Ally 's real rates have not changed significantly since yesterday.
I am a prime borrower, with high income, lots of cash savings and pristine credit. I refinanced previously and have never seen advertised mortgage rates so out of whack with real rates. All of the information I submitted to Ally Bank was the same as what I submitted to XXXX. The loan I requested would be a 40 % LTV, 12 % DTI conventional conforming loan. It shouldn't get any more straightforward than my situation. I am attaching screenshots from XX/XX/2020 at around XXXX PT as evidence.
|
| 07/02/2016 |
Yes |
- Bank account or service
- Checking account
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Web |
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I opened a new joint checking account ( for wedding savings ) as part of my current relationship with Ally Bank, who I have been a customer of since 2007 ( as XXXX Savings Bank ). I deposited {$10.00} into the account, received a checkbook and debit cards which I kept in a locked filing cabinet. I initiated no further activity on the account.
Then 2 weeks ago I noticed ( by way of XXXX ) that I had been charged XXXX {$25.00} overdraft fees into this account. When I contacted them I learned that they had rejected XXXX ACH Withdrawal attempts and charged overdraft fees for them : - XXXX - {$490.00} - XXXX - {$490.00} As I work in the XXXX, I know the ACH system well - so when I contacted them I probed them regarding where these withdrawal attempts had come from, as no one would have the routing number/account number combination for this new account. They were unable to provide me any details ( e.g. ACH TRACE, information on the originating financial ( OFDI ) ) to help understand if this was an error on Ally 's part or a legitimate data breach condition. I attempted to talk to people higher up the chain however they were even more opaque on what occurred. Given the young age of the account, I am concerned that Ally Bank was the victim of a data breach and that I am XXXX the first customers to feel the impact of the breach.
|
| 05/03/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
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Web |
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XXXX XXXX I leased a XXXX Jeep Wrangler from XXXX XXXX in XXXX, XXXX. The lease was through Ally XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I went to XXXX XXXX in XXXX and traded my Jeep for the Honda. Ally gave me a lease buyout figure of XXXX. I made the deal with XXXX and left with the Honda. The next morning I get a call from the XXXX dealer telling me Ally told them they have to pay XXXX to pay off the vehicle. They said the XXXX number was only for me if I bought the vehicle. Needless to say I had to give the Honda back and come back to XXXX with my Jeep. Ally also told the XXXX dealer that I had to take the XXXX back to the dealer I got it from, XXXX, for the payoff to be the same as what it would be for me. XXXX said they would give me a check to payoff the vehicle then when I got the title I could give it to them. Ally told them I could n't do that.
So, I came back to XXXX, went to XXXX XXXX ( since they said the payoff would be the same for them ) picked out another vehicle, made the deal and AGAIN Ally says the XXXX payoff was only for me. XXXX would have to pay XXXX??? I came home and went to XXXX because we were told their payoff would be the same as mine. Now, again, I could n't get the vehicle because of Ally. I 've read my contract over and over and nowhere does it say they can do this. Is this even legal?
|
| 12/06/2022 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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1. On XX/XX/XXXX Ally Bank sent a third party to my home address to seize my property for payments. According to the 5th amendment, my privacy was violated, while I have a private property NO TRESPASSING sign on my property.
1.a ) Criminal trespass in the first degree is a Class A Misdemeanor which is punishable by up to one full year in jail, a {$2000.00} fine and probation. Criminal trespass in the second degree is the midlevel trespassing statute in Connecticut. The statutory citation is Connecticut Gen, Statues Section 53a-108. 2. Ally Bank has violated 2018 Connecticut General Statutes Title 36a - The
Banking Law of Connecticut Chapter 669 - Regulated Activities Section 36a-646 - ( Formerly Sec. 36-243b ). Prohibited acts.
Universal Citation : CT Gen Stat 36a-646 ( 2018 ) " No creditor shall use any abusive, harassing, fraudulent, deceptive or misleading representation, device or practice to collect or attempt to collect any debt ".
3. Ally Bank has violated : The Fifth Amendment protects the right to private property in two ways. First, it states that a person may not be deprived of property by the government without due process of law, or fair procedures.
4. Please see attachment for proof of " NO TRESPASSING ''.
Since that day I have been trying to get my property back and I have been getting the runaround.
|
| 03/08/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
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Web |
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In XX/XX/XXXX I requested a {$20000.00} distribution from my IRA at Ally Bank. The check was lost in the mail, and it took over a month for me to get the replacement funds. I complained then about how poorly that entire process was handled by the bank.
Now, on XX/XX/XXXX, I received my 1099-R Tax Form for this transaction. This transaction was incorrectly coded as an " early distribution '' on that form. In Box 7 of that form, a Code 1 was used, which designates an " early distribution ''. An " early distribution '' results in an IRS tax penalty of {$2000.00}. This was not an " early distribution ''. I am well past the age of XXXX and 1/2 which is used to determine an " early distribution ''. The correct code should have been 7. I had another IRA distribution from Ally during XXXX and for that they did the 1099-R correctly and it shows a code 7. On XX/XX/XXXX I called Ally and forwarded them copies of the 1099-R 's to point out this error. As of today XX/XX/XXXX, I have no resolution. I have contacted them several times, begging, as I am waiting only for this item to be corrected so I can file my Income Tax return. The responses are generally the same, " still being researched '', wait 1-2 more days, etc ... .. I believe I am being intentionally punished with this error due to my previous complaint about the stop pymt.
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| 03/23/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Servicemember |
|
I had been making payments using Ally Autos auto pay system for about a year and a half. XX/XX/2020 it stopped working. I spoke to them and was told that the issue was resolved. XXXX my payment didnt deduct from my account and by time I realized it I was charged a late fee. I contacted them again and was told that my Auto Pay account was fixed and would start back up in XXXX. I was told that the late fees would be waved for XXXX. I am charged {$4.00} every time I make a payment by phone, so I am being penalized for their online service not working properly. XX/XX/2020 I checked my account and the payment for XXXX wasnt taken out and I owed {$46.00} in later fees. I asked how did I owe that much and was told it was for XXXX and XXXX. I have reached out every day from XX/XX/XXXX until XX/XX/2020 about these fees and have been told that they will be waved by the end of that day. To this date they still have not been waved. I have been promised that someone from their customer service department would be reaching out to me in one to two business days and it has now been almost 5 business days and no response. I have contacted them through XXXX, XXXX, and Allys own secure email site ; but have received no response regarding a solution to my issues. Attached is the message I receive every time I try to make an online payment.
|
| 05/31/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Older American |
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On XX/XX/XXXX my husband and I were in an auto accident and my XXXX XXXX XXXX, which was financed by Ally, was totaled. Although I bought a new vehicle about 3 weeks later, I paid my XX/XX/XXXX payment on my totaled car because my insurance company and the gap insurance company were still settling. In the middle of XXXX, I called the Total loss department at Ally and asked for a breakdown of what was being paid. I was given the payoff amount of my car, the total amount my insurance company and the gap insurance company were paying and the amount of credits for the refund of the gap insurance premium. It all totaled to XXXX. Three months went by and out of the blue I get a letter from Ally saying that I owed them {$1400.00}. I have called them 6 times asking for an itemization of why I owed this amount and why it took them 3 months after all the insurance companies paid to let me know I still owed money. They keep telling me they will escalate my issue to a supervisor and have them call me back. I had a supervisor call me back one time and she said that she was escalating it to upper management. No one is calling me back and explaining why I was told I had a XXXX balance in XX/XX/XXXXand then 3 months later I owe them money. I had gap insurance, I was told I had a XXXX balance in XX/XX/XXXX. Why do they keep ignoring me?
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| 04/17/2018 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Problem accessing account
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Web |
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I have been trying to gain access to my savings account with Ally Bank since XX/XX/XXXX My savings account has XXXX saved. I was told that I will need to provide identifying documents to prove the account belongs to me. I sent my identifying documents in a week later after I was able to track the documents down. XXXX from loss prevention of Ally bank told me that they will take 2 days to review and verify the identifying documents. I called 2 days later, XXXX told me she will call me before the end of the business day with a response. I did not get a response. Wednesday XX/XX/XXXX I called again. XXXX told me that I would have a response before the end of the business week, she would be the one to call me. I still did not get a response from XXXX by the end of the week as she said. It is now 2 days into the next business week, TuesdayXX/XX/XXXX and I still don't have a access to my savings account. I tried calling XXXX of Loss Prevention of Ally Bank and all I get is voicemail, Monday XX/XX/XXXXand Tuesday the XX/XX/XXXX. I have even tried to get my issue escalated to a supervisor but nobody was able to help me. I dont even think they escalated me, only tranfered me laterally to XXXX ( or a similar name ). My savings account has XXXX in funds, I don't have access to my own money. Ally bank is holding my money XXXX.
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| 08/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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XX/XX/2023 XXXX XXXX XXXX Re : Ally Financial Acct Ending XXXX Ally Financial is report this account on my credit report when clearly it does not below to me, it belongs to XXXX XXXX XXXX.
Ally Financial XXXX XXXX XXXX XXXX, MN XXXX XXXX Account XXXX Balance {$12000.00} Credit Bureau Account Status Charge-Off I, XXXX XXXX XXXX XXXX am attaching a copy of the Bill Of Sale that clearly states in the Buyer/Co-Buyer Name and Address ( es ) thaXXXX XXXX XXXX XXXX XXXX is the ONLY owner of this loan. Also, attached is the Retail Installment Sales Contract that clearly states in the Co-Buyer Name and Address lists N/A and NOT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is the ONLY name listed on any of the documents proving this loan does not belong to me ( XXXX XXXX XXXX ).
I have contacted Ally Financial multiple times to have them remove this from my credit report with all 3 credit reporting bureaus and they have flat out refused to do so. I was also told by them that there was nothing I could do about this situation!
Therefore, I am requesting that Ally Financial immediately remove this from all 3 credit reporting bureaus without success. I would like to thank you in advance for your cooperation in this matter and look forward to a positive outcome from the Consumer Financial Protection Bureau.
Regards, XXXX XXXX XXXX
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| 02/14/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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On XX/XX/2023 I was contacted by a phone number that, when researched, appeared to be connected with XXXX XXXX XXXX. The " agent '' told me that an account was opened in my name and a check was deposited and two XXXX payments were made. Once I confirmed all events were not authorized by me, they said I was the victim of fraud and issued me a claim number and transferred me to XXXX customer service. XXXX told me I needed to send the " code '' XXXX to the XXXX Cancellation Dept email address. When I did not get a confirmation code from Ally, as they instructed would be necessary, they called back the following day ( XX/XX/2023 ) with a " supervisor '' and had me send " code XXXX '' to " XXXX XXXX. '' All these codes were ultimately payments, one for {$5000.00} and the following for {$1900.00}, totaling {$6900.00}. Ally proceeded to lock my XXXX account. The so-called XXXX customer service agent instructed me to call Ally to have my XXXX account unlocked, Ally informed me I was the victim of fraud and froze my account for one week.
My account was unlocked on XX/XX/2023. Since then, Ally 's Fraud Investigators have not contacted me after multiple requests to speak to them directly. The fraud analyst says that I can not be refunded by Ally and that XXXX XXXX XXXX is responsible, though I do not have an account with them.
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| 01/11/2024 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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On XX/XX/2023, I opened a " Spending Account '' with Ally Bank using the promo code XXXX. According to the terms of the promotion, the account owner would receive a {$200.00} bonus within 30 days after a direct deposit of {$1500.00} or more. I attempted to confirm that the promo code was attached to my account, but Ally Bank refused to provide confirmation.
After fulfilling the terms, I received an email from Ally Bank on XX/XX/2023 stating the " Your Ally Banking Spending Account received a qualifying direct deposit total of {$1500.00} and you got the {$200.00} cash bonus! The XXXX are already in your Spending Account ending in XXXX. '' However, the {$200.00} bonus was not actually credited to my account. After chatting with support, I was told that the bonus would be deposited " within 30 days of the direct deposit on XXXX. '' As I did not receive the bonus by XX/XX/2023, I again reached out through chat on XX/XX/2023. I was told that " the bonus was already deposited last XX/XX/2023 and should be posted after 30 days. '' The agent submitted a case ( reference # XXXX ), and on asking I was told it would be resolved within 2 business days.
On XX/XX/2023, as the case was still unresolved, I reached out through chat a third time. This agent told me that Ally would not be able to provide any timeline for resolution.
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| 06/26/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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I have already discussed with Ally Auto that I am going to begin to have issues with payments due to losing my higher paying job due to Covid reasons I have been successful at completing all transactions however I now Im having another issue with is the fact that I have a medical emergency I was involved in a motorcycle accident where I was the XXXX XXXX XXXX XXXX I ended up falling off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I can XXXX I was told that I can not have payment extensions due to the fact that the loan is a new loan and the current amount still owed is kind of high however I have a medical emergency I am now waiting on XXXX to be filed because I have no XXXX date and my medical insurance is not fast at doing this process I am not happy that the fact that Ally auto denied any payment option besides basically repossessing the car that I now have to drive because my motorcycle I cant drive with a XXXX XXXX XXXX XXXX and vehicle that I need could get repossessed because Im probably not going to be able to pay that over my rent and its going to be a while before the XXXX gets even approved and scheduled XXXX gets done before I can even return to work as well
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| 04/08/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem making or receiving payments
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Web |
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In my CFPB No. : XXXX complaint about Ally Bank payment services I reported that the limit Ally Bank advertises to consumers for person to person payments using a service called XXXX is factually false.
As part of my report I requested the following " I would appreciate that Ally Bank provides an explanation how it arrived to the figure of {$2300.00} for the payment limits for XX/XX/2021 and how that calculation corresponds to the advertisements of the service made to consumers. '' According to the description of the service published on Ally 's website my limit for payments using XXXX service should be {$5000.00}.
Ally 's bank in its response to my complaint stated that " pending XXXX payments count toward the maximum outstanding limit, even if the payment was arranged on a different day. For clarity purposes, any pending XXXX payments will count towards your daily and monthly outstanding limits. '' In its advertisement of the XXXX payment services Ally Bank failed to disclose to consumers that ANY pending payments, even if they are arranged to be sent on one day, count towards the daily limit for payments to be sent on a completely different day. Such description of the service is not in accord with a commonly used definition of the concept of daily limit since daily limit implies payments to be sent on one day.
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| 01/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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Dear Credit Bureau Representative, I recently reviewed a copy of my credit report on XX/XX/XXXX and noticed 20 inquiries that were unauthorized, inaccurate, or made in error.
The following inquiries are impermissible : XXXX. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX 6.XXXX XXXX XX/XX/XXXX 7. XXXX XXXX, XX/XX/XXXX 8. XXXX XXXX, XXXX XXXX 9. XXXX XXXX, XX/XX/XXXX 10. XXXX XXXX, XXXX XXXX 11.XXXX XXXX XXXXXXXX , XXXX XXXX 12. XXXX XXXX, XX/XX/XXXX 13. XXXX XXXX XXXX, XX/XX/XXXX 14.XXXX XXXX XXXX XXXX XX/XX/XXXX 15. XXXX XXXX XXXX XX/XX/XXXX 16. XXXX XXXX XXXX, XX/XX/XXXX 17. XXXX XXXX XX/XX/XXXX 18. XXXX XXXX XXXX XXXX XX/XX/XXXX 19. XXXX XXXX, XX/XX/XXXX 20. XXXX XX/XX/XXXX Please remove these inquiries from my credit report immediately.
Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : 1. The name and job title of the individual who pulled my credit 2. The date they claim to have received my permission to pull my credit 3. The method they claim that I authorized them to pull my credit Please also attach documentation to support the verification of these claims.
Thank you for your prompt assistance with this matter.
Sincerely XXXX
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| 03/01/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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Ally Financial calls on an auto dial system, when I answer most of they time there is no one there, I have to wait for someone to answer ( as long as 15 seconds for a response ). If there is an answer it is a prerecorded message stating to wait for a very important message. They have called up to six times in a five hour period leaving three messages to return the call. ln that same five hour time they contacted my references asking for me, not giving me time to respond. I recently set up a deferment with them on a Friday ( made payment agreed upon on that same day ) and that following Monday morning they called me and asked me to make a payment in the full amount that I owed. Three days after that a received another phone call asking about payment. I informed them I was still waiting on the deferment paperwork and I had made the agreed payment and was told they would resend the paperwork. I asked when it was mailed the first time and the person would not give me an answer. He would just state that they would resend. I asked three or four different times and still would n't give me an answer. The crazy thing was that I received some paperwork from them dated the same day that I set up the deferment. But it was not the deferment info. I 'm still waiting on the second round of paperwork they sent and its been two weeks.
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| 01/04/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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On XX/XX/2023 I have sent a letter to Ally Financial to provide proof regarding the late payment. the Congress states pursuant 15 U.S. Code 1666b - Timing of payments the creditor may not treat the payment late unless the creditor sent the consumer all the information required under 15 U.S. Code 1637 - Open end consumer credit plans XXXX days before due date. I have requested from Ally Financial a proof that all the required information by law was sent XXXX days prior to due date or remove the late payment as per FCRA if the information is incorrect or unverifiable then it can not be reported to the Consumer Reporting Agencies as well as pursuant 15 U.S. Code 1681a ( 2 ) ( i ) - Definitions ; rules of construction the consumer report does not include the transactions and experiences between " Consumer '' and " Person ''. Ally Financial violated several FCRA laws by not obeying them and replied with some " Erroneous '' responses which I will be attaching to this complain.
On XX/XX/2023 Ally Financial responded with letter that looks like a statement but it is defiantly was not proof required by law.
I have sent them my second letter on XX/XX/2023 giving them a final opportunity to resolve the matter but they ignored it by responding with the same type of nonsense letter that they responded previously on XX/XX/2023
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| 03/14/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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On XX/XX/2022, XXXX XXXX transferred money from a ROTH IRA held at that institution to Ally Bank. The deposit was mistakenly put into a TRADITIONAL IRA which makes the amount subject to taxation while the Roth is tax free. I have communicated by phone and email with Ally on five different occasions regarding the steps to take to correct this. Despite asking for one representative to be assigned to handle this case, each rep that has communicated with me has said that Ally 's policy is to let random selection choose whoever you communicate with when you send an email or make a phone call to them ( which requires long periods on hold ). The most recent email from their rep on XX/XX/XXXX stated that even though I submitted all the forms previously requested, they now want a conversion and rollover form submitted to put the money into a Roth account. My tax planner stated that is exactly what NOT to do since that paperwork would trigger the fact that this money would be taxable and would lose its tax free status. This bank is extremely difficult to communicate with and obtain resolutions with issues. No one person seems to be assigned to handle an on-going problem and you end up with a roulette wheel where you spin it and see who you get and how that person 's answer may not be the same as the previous one you received.
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| 06/23/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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|
Web |
Servicemember |
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In XXXX I purchased a vehicle from XXXX XXXX in XXXX Michigan. They purchased my lease. On XX/XX/XXXX the dealership paid XXXX XXXX to ally financial to buy out my lease. Ally sent them the title. They sold the truck. Ally is still charging the monthly lease payment. Listing the amount as past due. I have made several phone calls. They tell me the truck is still owned by myself ( and them, due to the lease ) they then try to tell me that XXXX XXXX has my account. I have tried contacting them on several occasions. Never getting off of hold. I was scheduled 2 separate call backs. Neither happened.
I spoke with the dealership. They were asked to provide the odometer statement. Which they did and in return Were given the title. The dealership has tried to help me. Only to spend hours on hold never being able to get the right department on the phone.
So as of XXXX, my truck was sold to the dealership by ally financial. Ally financial continues to keep my account open. Ally financial continues to charge me monthly for the vehicle. Just over XXXX dollars listed as past due so far.
Through hours of phone calls I can talk to no one that has any knowledge, or ability to help me with the account. Other than telling me I need to talk to dealer services. Which does not seem to exist.
The truck is in mine and my wifes name
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| 10/27/2023 |
Yes |
- Checking or savings account
- Savings account
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- Closing an account
- Company closed your account
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Web |
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On XX/XX/XXXX, I transferred {$12000.00} from my XXXX XXXX Savings account to Ally Bank. In XX/XX/XXXX, Ally Bank closed my account. I called them to get the {$12000.00}. They said their was fraud on my account and would need a " Letter of Indemnification '' from XXXX XXXX stating that the money was transferred out of my savings account into Ally Bank. When I asked XXXX XXXX, they said they can't send a letter directly to a 3rd party as it would violate confidentiality rights. I called Ally Bank to let them know what XXXX XXXX said. Ally Bank said that there's nothing they can do. Over the past year, I have spoken with Ally Bank and XXXX XXXX XXXX at least 10 times. Ally Bank says they need a " Letter of Indemnification '' and XXXX XXXX XXXX says they can't provide it. On XX/XX/XXXX, the branch manager at XXXX XXXX drafted a letter stating that the {$12000.00} did come out of my savings account. I faxed it to Ally Bank. On XX/XX/XXXX, I called Ally Bank. They said the letter is not enough and XXXX XXXX needs to send them a " Hold Harmless Agreement. '' This is the first time in the past year that they have mentioned this document. I spoke to the branch manager at XXXX XXXX and he said he's never heard of that document. He looked it up online and saw that it was a legal document but not something the bank provides.
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| 11/18/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Hello all, My mortgage was transferred from XXXX XXXX XXXX XXXX XXXX XXXX to Ally Bank on XX/XX/XXXX of this year. My mortgage is automatically paid via XXXX a 3rd party service that mails checks on behalf. My mortgage payment is scheduled to be paid several days before the XXXX of the month, as such XXXX received and deposited my XXXX payment on XX/XX/XXXX - see attached voided check for {$4300.00}. XXXX last issued a statement at the beginning of XXXX, no XXXX statement nor do any of the transfer documents mention this XXXX payment. Additionally the loan balance on the XXXX statement is the same as the first statement I got from Ally dated XX/XX/XXXX. This first statement from Ally shows no record of the XXXX payment. I talked to Ally a number of times through the month of XXXX as my mortgage was now past due. Regular payments were made for XXXX and XXXX, but due to the missing XXXX payment they were credited to the previous month. Eventually the 90 day transfer window expired and I had to make an additional emergency payment on XX/XX/XXXX to prevent late fees. On XX/XX/XXXX I spoke with XXXX and they opened a formal investigation. When speaking with Ally they don't care as the account is now current. Months have passed and I really hoped the money would show up in some form but it is obvious that is not the case.
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| 07/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files.
XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, and XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}.
If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
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| 07/03/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I tried to pay off our car loan XX/XX/XXXX I sent ally auto loan XXXX in which they refused to give me the payoff amount because I was trying to pay it early. They offered a 3 yr extension due to Covid 19 and the economy was shutting down. We made 2 yrs of payments and was never late before this transaction. I took the extension thinking I had 3 yrs of no payments when they only gave me 30 months instead of 3 yrs. Today XX/XX/XXXX they came and took my only vehicle and told me I had to pay XXXX to get it back. This is fraud and theft! I called all day to ally and was hung up on and told me they cant do anything. This caused a great hardship on our family. I have the emails that was sent to me on the extension and all my payment records. Every time I ask today how much I need they add on XXXX dollars. Whyyyy are consumers not protected anymore? Why are they giving me a run around? I have spent XXXX dollars on a vehicle that is a XXXX and we have had it for 5 yrs now. They waited until I was 5 months behind and I had no clue until they came to get the vehicle. A customer rep from ally told me they would work with us but instead they made my situation worse! Hardship on families is not ok. Lying to customers is not ok. I told them I was recording our phone calls today and they told me that was not allowed and hung up.
|
| 08/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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I purchased a new vehicle in XX/XX/XXXX. I had an existing loan of 4 years with Ally on a vehicle I traded in and paid off and opened a new loan. Ally sent ZERO information upon account opening. I contacted them to make the first payment and set up auto-pay and did so. The initial payment was taken for XX/XX/XXXX. On XX/XX/XXXX I got a call saying the XXXX payment was never made. I told them I set up auto pay and they admitted that a bunch of auto payments had accidentally been canceled. I made the XXXX and XXXX payments immediately and spoke to someone about the error. They assured me the payment would not be reported late. For the next 6 months, Ally did not report to the credit bureaus at all! Then in XX/XX/XXXX, they updated the payment history showing the XX/XX/XXXX payment was made 30 days late despite having clear evidence the XXXX payment was made on time. This was disputed with the credit bureaus. Ally then confirmed the XX/XX/XXXX payment was made late and my dispute was denied despite their system clearly showing it was not made late at all. This is a clear violation of FCRA and Ally should be held accountable. As stated by them there were many consumers effected by this and clearly Ally is refusing to do right by them and has instead opted to attack consumer 's credit profiles due to their incompetence.
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| 06/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have tried on 3 separate occasions to have Ally Financial XXXX report the correct information to the credit bureaus regarding having the correct balance reflected as well as being current in my payments. Every time I have called, I have spoken to someone in the XXXX and each time I've tried to resolve my issues, they apologize, put me on hold and tell me the same things every time. " We will submit an email regarding the information you requested. It can take up to 45 days. '' It's been about 2 months now and there has been no updates on any of my requests, no changes in the credit bureaus, I haven't been contacted by anyone from Ally, and what's most disturbing, is that when I asked the very first person to please report to the credit bureaus my current information, she had to put me on hold and ask someone if they do that!!! Today, I immediately asked to speak to someone in the United States. She said okay and to wait while she tried to connect me to someone. After about 3 minutes, she came back on the phone and said that " unfortunately, they are closed '' today is Wednesday. The time in my state at the time I requested to speak to someone here in the United States, was around XXXX XXXX central time! It's not a holiday and no banks or most businesses are EVER closed during these ( particular ) times in the US!
|
| 01/01/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Older American |
|
I have been getting surprise late fee charges from Ally Financial. When I called to get an explanation for the late charges I was told to " look it up yourself '' by the representative. I was asked do I need to get an attorney to find out why I was charges late fees. Soon thereafter I got a letter from Ally goading me to get an attorney to find out why I was charged late fees.
As of this time Ally has closed my account and removed my access to my monthly payment records. Not only does this deny me access to payment records to independently verify payment information but I no longer have access to my tax records or the ability to make payments. Please demand these records by made available to me.
We have received Ally records which indicate that at least one late charge should not have been made, So I have at least one incorrect late charge but in order to fix it I have to pay hundreds of dollars to correct it.
Furthermore I have not received my billing statement for XX/XX/XXXX that shows how much is due and how my XX/XX/XXXX payment was applied.
Please demand the restoration of my online access to monthly records, demand a complete record of how and when late payments occurred. The shutting down of web access to my monthly statements is just a cover up for the fraudulent late fees being charged by the bank.
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| 10/14/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
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Web |
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I recently looked at my credit reports and noticed that Ally Financial XXXX .... reported negative marks 30,60 days late on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time.
According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance.
Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.
In short, I never received such a warning notice!
I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well.
I attached a copy of the law and the actual document from the federal reserve
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| 05/22/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
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Original Complaint No. XXXX My initial complaint was that Ally Bank refused to remove access to XXXX and XXXX XXXX XXXX XXXX online accounts. This is not true, and the issue remains unresolved.
I received the attached response stating that as of XX/XX/2023, my XXXX privileges have been permanently revoked and I no longer have access to XXXX and XXXX XXXX through Ally Bank. I still have full access and use of the services through my Ally Bank account.
I am again, directing Ally Bank to permanently remove access to the services through my accounts.
The response falsely states that I enrolled in these services. I have never enrolled in, or activated XXXX or XXXX XXXX through Ally Bank, directly with XXXX, or through any other third party. I have not agreed to the terms concerning such, detailed in the Ally Bank Online Banking Services Agreement, Version 27.0, effective XX/XX/XXXX which only applies WHEN YOU ENROLL in one of these services.
XXXX to the services was automatically added to my accounts without my enrollment, knowledge or consent. Clicking on XXXX or XXXX XXXX to see if it can be used through my account does not constitute enrolling in the service.
Allys response concedes that I was able to access & use XXXX on several occasions subsequent to their claim that access had been permanently removed.
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| 12/05/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
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XXXX to present Finance amount- {$17000.00} XXXX {$1500.00} Payments made- {$11000.00} I have been going back and forth with Ally Financial about my vehicle. My rights as a consumer has been violated. Ally Financial has failed to acknowledge my rights of rescission and ignored my Cease and Desist of the auto contact. All of my findings are correct with the misleading conduct that was done with my auto contract. There was cash mixed with an open-ending credit transaction which went against Truth in Lending Act. I never received any information about my rights to rescind the contract. The finance charges was not disclosed to me with a break down of any kind. The auto insurance that I was informed that I had to get was not added to my contact. After going over my contract I noticed that there are no signatures from the dealership or Ally Financial. I was never given or shown a letter of credit that was given for the auto contract. Ally Financial has went against 15 USC 1631 ( a ) ( b ) Disclosure Requirements, 15 USC 1662 ( 2 ) Advertising of downpayments and installments, 15 USC1635 ( b ) ( f ) Right of rescission, 15 USC 1605 Determination of finance charges, 15 USC 1666 ( B ) ( 2 ) correction of billing errors,! 5 USC 1666 ( D ) treatment of credit balance, 12 CFR 1026 Truth in Lending, UCC 2-325 letter of credit.
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| 06/29/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
Ally Invest refuses to give me my money back from my investment account. I have had funds in an Ally account since XXXX first and have never been able to invest as I wanted as there has always been an unspecified restriction on my account. Customer service reps claim to be unable to see the restriction on their end, so they have no idea what it's about. Since then I've tried to transfer some of my money back into my personal bank account to pay bills, but Ally continually fails to lift the alleged restriction. I'm told by four different reps that four different departments have worked on my problem -- including the IT department which inexplicably closes at the end of the trading day -- all of whom promise to have the issue resolved by end of day, but to no avail. My account was even completely barred from access all weekend this past weekend, so I could not so much as view it.
Today I asked to close my account, but I'm not allowed to speak to someone in the department in charge of account closures. I'm told I can do it myself online once the original restrictions are lifted from my account ... at the end of the business day. At this point, I want all of my money back and my account closed.
Finally, it is interesting to note that complaints about Ally Invest have spiked during the virus, according to the XXXX.
|
| 12/05/2017 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
I requested a wire transfer for {$120000.00} on XXXX XXXX, 2017 at XXXX AM XXXX for the closing cost of a house. There is a notice in Ally website that goes as follow : " Requests received or verified by XXXX pm XXXX, Monday to Friday, will process that same day. Wires received after the cut-off time, or on a weekend or holiday, will process the next available business day.
We may need to call you to make sure you authorized this transaction. More than one business day may be required if we cant reach you for verification ''.
Nobody contacted me from Ally to verify information until after I called them at XXXX PM XXXX. When I talked to XXXX at XXXX PM XXXX, he said that funds were going out today but that he could not give me a timeframe. I called them again at XXXX PM XXXX and XXXX, the supervisor, mentioned that wire was not going out today because it did not make the cut-off time and that there was nothing she could do because the department that handles the wires is closed until tomorrow. I have contacted Ally multiple times to resolve this but seems that Ally never had any intention of disbursing funds today and they shield themselves with the excuse that they were not able to verify transfer before cut-off time, even though they were supposed to contact me, and there was no way for me to reach out to them.
|
| 08/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XX/XX/2023 XXXX XXXX XXXX Re : Ally Financial Acct Ending XXXX Ally Financial is reporting this account on my credit report when clearly it does not below to me, it belongs to XXXX XXXX XXXX.
Ally Financial XXXX XXXX XXXX XXXX, MN XXXX XXXX Account XXXX Balance {$16000.00} Credit Bureau Account Status Charge-Off I, XXXX XXXX XXXX , am attaching a copy of the Bill Of Sale that clearly states in the Buyer/Co-Buyer Name and Address ( es ) that XXXX XXXX XXXX XXXX is the ONLY owner of this loan. Also, attached is the Retail Installment Sales Contract that clearly states in the Co-Buyer Name and Address lists N/A and NOT XXXX XXXX XXXX . XXXX XXXX XXXX XXXX is the ONLY name listed on any of the documents proving this loan does not belong to me ( XXXX XXXX XXXX ).
I have contacted Ally Financial multiple times to have them remove this from my credit report with all 3 credit reporting bureaus and they have flat out refused to do so. I was also told by them that there was nothing I could do about this situation!
Therefore, I am requesting that Ally Financial immediately remove this from all 3 credit reporting bureaus without success. I would like to thank you in advance for your cooperation in this matter and look forward to a positive outcome from the Consumer Financial Protection Bureau.
Regards, XXXX XXXX XXXX
|
| 12/04/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I made 3 separate purchases with my card from ALLY bank. These were all from the same merchant XXXX XXXX XXXX. The first purchase was for {$570.00} on XX/XX/2020. The second purchase was for {$2100.00} on XX/XX/2020. The third purchase was for {$2900.00} on XX/XX/2020. These purchases were never received or even shipped out. I was billed for merchandise I have never received. Under the Fair Credit Billing act, I am legally allowed a reversal of the charges from these funds since I have never received them. I opened a dispute with my bank ALLY and they never allowed me to talk to the dispute team one time to explain my situation. They denied my dispute and did not give me any funds back. I was unfairly billed for merchandise I have never received. I contacted the merchant several times and was only given a response one time. The merchant said " We have responded to your dispute in order for you to win what is a valid dispute. '' Ally then sent me a letter a month later in late XXXX stating that a refund will not be given. I have been trying to call Ally for a month now in order to reach the dispute team but have failed every time. I have taken all the actions necessary to win this dispute. Ally is not helping their customer at all. I would really appreciate if someone else could step in and investigate. Thank you.
|
| 11/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/XXXX I received a statement from Ally regarding the final payment for my stolen XXXX XXXX XXXX. XXXX processed a claim in the amount per the XXXX XXXX value and thankfully my lease contract had Gap protection built into the plan leaving me only with the insurance deductible of {$500.00} dollars and unpaid late charges of {$120.00}. Upon making my payment I asked the rep if the late fees could be reduced or eliminated She informed me that yes she could take some money off of the late charges but not the insurance deductible as that is what is required per the contract. I thanked her and paid the new amount. A few months later I checked my credit report and it stated that my account was " Paid in full for less than the full balance. '' This is inaccurate as I never paid a reduced amount on the final monthly payment of {$560.00} nor the {$500.00} insurance deductible, only the late fees. Late fees are a penalty to get me to pay and were never referred to or listed/included under the Total loss provisions of the contract. Furthermore, the representative never made mention that by reducing the late fee, my credit report would be negatively impacted and listed as Paid in full for less than balance owed. Ally had a duty to notify me of such to allow me to make the decision to proceed and they failed to do so.
|
| 03/19/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
Moved to XXXX on XXXX and notified Ally Auto about move, Ally then improperly applied 10.25 % taxes to our bill even though the lease was initiated in XXXX and per the definition of a " retail sale '' the tax does not apply to : " Sales of tangible personal property which property was purchased or acquired by a nonresident prior to coming into the District and establishing or maintaining a temporary or permanent residence in the District. As used in this subsection, the word residence means a place in which to reside and does not mean domicile. '' The sale is determined when initial possession took place at the beginning of the lease : " Sale and selling mean any transaction whereby title or possession, or both, of tangible personal property is or is to be transferred by any means whatsoever, including rental, lease, license, or right to reproduce or use, for a consideration, by a vendor to a purchaser, or any transaction whereby services subject to tax under this chapter are rendered for consideration or are sold to any purchaser by any vendor, and shall include, but not be limited to, any sale at retail as defined in this chapter. Such consideration may be either in the form of a price in money, rights, or property, or by exchange or barter, and may be payable immediately, in the future, or by installments. ''
|
| 08/21/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XXXX, XXXX XXXX XXXX, I attempted to send $XXXX from my Ally Bank savings account using XXXX. A message popped up saying "Payment Limit Exceeded" and that to stay within my limit, I can send $XXXX now or send the full amount as a standard delivery which can take up to 3 days. When I attempt to send funds as a standard delivery, I receive a similar error saying "Payment Limit Exceeded" and that my remaining limit is $XXXX I have been using Ally Bank for years, and I have been the XXXX to send funds within minutes from my Ally account in excess of $XXXX for over a year. I contacted the Ally bank via phone and Ally Messenger and was told "an issue with the XXXX, as we review the limits allowed. This is only a temporary issue but, unfortunately, we do not have a time frame on the fix." This is an unacceptable issue for a bank to have, to limit and hold a consumer's funds without providing notification of an ongoing issuer or a time-frame for resolution. The limit for XXXX should be $XXXX as the Ally Bank Help Center, accessed XXXX XXXX XXXX, online at [XXXX] says:What are Ally Bank’s limits for sending or requesting XXXX payments?Ally Bank LimitsAlly Bank Limits tableSPEED LIMIT PER TRANSACTION LIMIT PER DAY LIMIT PER 30 DAYSIn Minutes $XXXX $XXXX $XXXXStandard (Next-Day or 3-Day Delivery) $XXXX $XXXX $XXXX
|
| 03/20/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I am hoping you can help me resolve what I feel is unfair reporting and unclear communication with a prior lender about an old account in default.
This is in regards to my auto loan previously with XXXX finance which is now Ally Financial. I did voluntarily repo the car however they are currently not showing accurate pay history on my credit report and have not communicated when this will be removed due to the 7 year rule. From my understanding of the fair credit reporting act a creditor is supposed to remove and no longer report a negative item 7 years from the XXXX late payment or negative information is shown.
The account number for this account is XXXXMy name is XXXX XXXXMy Social is XXXX.
I have disputed with both the credit buros and sent a letter to XXXX. I received a form letter response but they did not answer my question regarding my pay history and when they would cease reporting this negative information on my credit report.
I would like this removed as soon as possible and if they feel this is not yet supposed to be removed legally I am at least owed a very clear explanation of when it is scheduled to be removed.
Ally 's address isAlly FinancialXXXX XXXX XXXX, MN XXXX have not found a working phone number to discuss this with their credit reporting department.
Thanks you, XXXX XXXX ( cel )
|
| 11/04/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Servicemember |
|
I was never properly given notice of repossession. I have a screen shot that stats your vehicle XXXX be repossessed soon on XX/XX/XXXX is when I logged in an took the photo so I had no notification at all, when vehicle was reposed during an eviction aka help from law enforcement. I demand all money paid to be returned on the loan. On top of that the ally finical has owed me a surplus since mid XXXX. They stated on 3 different occasion that they have mailed me a check. They have also stated that it will be overnighted since XX/XX/XXXX, and still no check. They illegally took vehicle and would not work out a lower payment. My pain and suffering from all this such as being XXXX having to pay for rented vehicles have far succeed {$2700.00}. Plus XXXX XXXX interest should be added since they can not prove proof of delivery of the check I have been lied to over and over about a check of {$1600.00} and now I will have to XXXX XXXX in the cold weather. The demand for pain and suffering now is {$25000.00}. I have screen shots of previous times and recordings as I stated with them please save all recordings and if they are going to record me I will record them. The notice alone saying my be repossessed soon on XX/XX/XXXX and my vehicle being repossessed that exact day is proof enough that they illegally stole my vehicle.
|
| 11/01/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
So my Ollo credit card was stolen and used to make fraudulent charged in XX/XX/XXXX, I called and reported the fraud and had the card stopped but there had been fraudulent transactions made on my account. I spoke with the Agent around XX/XX/XXXX or so. He advised me that he would report the charges from XX/XX/XXXX and forward as fraudulent charges. I get a letter advising me that the fraudulent charges had been credit but I only received credit for one charge for XXXX, so I called in around XXXX XXXX and speak with someone in the security department who advised that she didn't know why the other charges had been missed but she had reviewed with her manager and they were sending the charges and having the claim reopened and escalated. So I called a week later and get told it was reopened and being reviewed, to allow some more time and that charges were normally credited within two weeks. I have called multiple times and am still being told the charges are being reviewed. It has been over a month since my fraud claim was reopened and supposedly escalated and still no resolution after a month of being escalated. They still haven't adjusted all the fraud charges and to date have only done the one credit of XXXX. Every time I call I'm told allow more time, allow more times. Its been two months since it was reported.
|
| 10/25/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX credit file dated XX/XX/2016. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this complaint to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter
|
| 12/22/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Servicemember |
|
ON XXXX XXXX, my car was totaled by another driver that hit me. Her insurance contacted ALLY FINANCIAL on XX/XX/XXXX to request a letter of guarantee. Ally claimed they needed more documentation. On XX/XX/XXXX the documents were faxed to them. We have a confirmation page. On XX/XX/XXXX we had to call Ally to check the status of the letter and they stated they did not receive the documents. The insurance agent faxed the documents again. This time Ally claiming they received the documents and it will be XXXX business days. XXXX contacted Ally again on the XX/XX/XXXX to check on the letter and the said they were going through system change and it would be another XXXX business days. Meanwhile my husband and I have contacted Ally to find out what is the hold up, due to we are having to still make our payments and do not have a vehicle. My last attempt was on today XX/XX/XXXX and the loss department informed me it will be XXXX business days. They have not gave me any answer to the letter and are telling me false timelines. They have treated me very unprofessional and this has put so much stress on my husband and I. At one conversation with the loss department ( XXXX ) customer service said we will not get our letter before XXXX. I feel like Ally has took advantage of us by continuing to add interest and late fees.
|
| 11/02/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
I have an Ally bank checking account for years. For years I am been using the popmoney feature to send money to another Ally bank account holder without any issue. All of a sudden I was told by Ally bank that I can not do popmoney transfer unless i contact them. As i am busy - i tried to contact them via chat but i was told that i need to call them.
I was not told why the hold is in place?
I choose to send money by check to the sender.
In the meanwhile - i got an email after few days that my popmoney will happen - what???
This is what i sent to them in secured message center message : Guys, Please be serious as you are dealing with real human beings ( customers ) and it 's all about money ( $ $ $ ). I was told that my popmoney transfers are on hold so i made the payment via check. Now after the check is done - i am simply getting an email that the popmoney transactions will be done. Now if you do the popmoney transfer - my account will be negative and it 's a lot of inconvenience. Moreover i can not send an attachment when i am sending secure email. Your customer service folks on chat are totally clue less. I am going to report to CFPB if at all I am getting any more issues. I want all the popmoney future transfer to be stopped and let the check gets cleared and then chatted with their customer service
|
| 08/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Ally Financial XXXX XXXX XXXX XXXX, MN XXXX Date : XX/XX/XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE TO PRINCIPLE IS NOTICE TO AGENT RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement.
To Whom It May Concern : You are in violation Fair Credit Reporting Act ( FCRA ), [ 15 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my consumer report on XX/XX/XXXX without my authorization or a Permissible Purpose under 15 USC 1681 Fair Credit Reporting Act ( FCRA ) and its guidelines for Permissible Purpose.
A Person shall not use or obtain a consumer report for any purpose unless ; 1. The Consumer Report is obtained for a purpose for which the consumer report is authorized to be furnished under this section.
2. The Purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) 5 of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by consumer.
|
| 05/30/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
1. Ally bank sent alert email about putting my chk account XXXX profile on hold on XX/XX/XXXX at XXXX XXXX saying they didn't receive the verification they needed to process a payment.
2. Then after about 30 mins later ( XX/XX/XXXX XXXX XXXX ) they sent the payments anyway w/out my approval/consent. Two big transactions were : {$4800.00} ( went to XXXX XXXX ) and {$800.00} went to XXXX XXXX Dispute # XXXX opened XX/XX/XXXX Transaction date : XX/XX/XXXX Dispute # XXXX opened XX/XX/XXXX Transaction date : XX/XX/XXXX XXXXThere were fraud transactions that happened that were not authorized by me. Looks like hackers were able to add recipient and initiate XXXX 4. Ally called few days later and we opened the disputes. They mailed dispute open letter on XX/XX/XXXX XXXX. They started investigation but concluded that there were no errors relating to those transactions. They Mailed dispute investigation completed letter on XX/XX/XXXX.
6.We had been talking to their fraud dept and was expecting a copy of investigation report they use in decision making by XX/XX/XXXX which didn't come. Also, was expecting the report in email but that didn't come either.
7. I called today ( XX/XX/XXXX ) and fraud dept now said we need a court subpoena to get that report.
Till today, we don't know how Ally came to their conclusion.
|
| 03/02/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Web |
|
|
I would like to express my frustration and lack of empathy and transparency I experienced in my interactions with Ally Bank.
I issued 2 checks for {$50000.00} each to my husband who deposited it using mobile deposit to his account at XXXX XXXX At around XXXX PST on XX/XX/28 I received a call from Ally Bank 's fraud department who confirmed verbally that I had indeed issued the checks and they confirmed that the checks would be allowed to be encashed. But unknown to me, according to Ally Bank transaction records, they had already returned the checks due to a mysterious " Irregular Signature '' reason and rejected them. They did this at XXXX XXXX which was about 3 hours even before their fraud department bothered to call me to confirm the checks on my account.
And due to their actions, the checks bounced and my husband was charged {$14.00} in returned item fees by his bank. We wanted to use the money for a down payment and because of Ally Bank 's callousness, we couldn't do it.
I contacted Ally bank today ( XXXX ) and spoke to their phone banker who said that it was the " other '' bank who rejected the checks. My husband contacted XXXX XXXX who confirmed that it was Ally Bank that rejected the checks and they had no part to play in it. I am attaching the screenshot of that communication with this issue.
|
| 11/20/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Traveler's check or cashier's check
|
- Problem with customer service
|
|
Web |
|
|
I have an Ally Invest account. This account was hacked at some point. On XXXX XXXX, 2019, the hacker sold my stock shares and then transferred money to an Ally Bank account in my name. This bank account was opened by the hacker but the owner is in my name. The hacker ( named XXXX XXXX ) was trying to transfer money from there to himself. ( This hacker also attached my other accounts at XXXX XXXX, XXXX XXXX, XXXX, but all those frauds have been settled quickly. ) I found this hacking activity on XXXX XXXX, 2019 and informed Ally Invest the same day and got back control my account briefly and then the account was locked up by Ally Invest. Since XXXX XXXX, 2019, I do not have access to my account.
On XXXX XXXX, 2019, an Ally bank agent phoned me and told me the bank account would be closed because it was opened illegally and the money ( total {$6100.00} ) would be sent to me by an official check. So far I have not received anything. I urgently need my money back. But the lady handling this case keeps playing tricks with me, first said on XXXX XXXX, 2019 that she was verifying the official check with XXXX XXXX XXXX, and on XXXX XXXX, 2019 said the check was sent to my address. But so far ( up to XXXX XXXX, 2019 ), I have not received anything.
This poor customer service of Ally Bank is totally unacceptable.
|
| 11/04/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Ally Bank keeps " suspending '' access to our external bank accounts. This is the case for multiple people in our family who have accounts with Ally Bank.
The do NOT provide notification of the suspension, and when called, they can not give a reason for the suspensions.
They are only allowing access to other Ally Bank accounts within a specific login.
This is causing a serious problem for us specifically, since one of us is POA of an elderly mother 's savings account and funds are used to pay her Assisted Living Expenses.
The current suspension was discovered when logging in to do a transfer to a checking account which is with another bank. [ No! we will never have a checking account with Ally Bank because of this issue! We can not trust them now. ] To get a resolution requires several days of trying to contact Ally Bank and them doing research before they finally release access to the external accounts again.
This issue also spills over to access to our funds through XXXX. Ally Bank has several times blocked XXXX payments to people we have paid in the past with no issue, but Ally Bank will not allow the XXXX payments to process.
When asked, as usual, they can not give a reason why.
We are beginning to question the solvency of this institution. If that is the issue, then this is very serious.
|
| 07/18/2022 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem with renewal
|
|
Web |
|
|
I had an existing CD with Ally Bank that was maturing on XX/XX/2022. I attempted to manage this maturity via the Ally Bank Web Portal numerous times both prior to and post maturity of the CD, but the Ally Bank Web Portal would not save my instructions. I attempted to call Ally Bank at XXXX numerous time during the 10 Calendar Day Grace Period. Wait times were always in excess of 30 minutes and I could not get thru. My objectives was always to renew this CD with Ally Bank for 13 months at a 2 % APR. Instead, I was automatically renewed into a 5 Year CD with an APR of 2.95 %. I finally got thru to a human being at the Ally Bank on Monday XX/XX/XXXX ( after a 25 minute wait ) and was told " that there was absolutely nothing that Ally Bank would do ''. I was put on hold multiple times and asked to speak with a Supervisor. After another XXXX minute wait, I was transferred to XXXX ( XXXX XXXX XXXX ). I was told that my only options were to stay in the 5 year CD or pay an early withdrawal penalty of {$7400.00}.
It seems like Ally Bank makes it virtually impossible for a Customer to " Manage Their CD '' and then elects to put them into whatever product that best suits Ally Bank I have been a loyal customer of Ally Bank for nearly 13 years. I am incredibly shocked by this treatment and can not believe it is legal
|
| 02/18/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
My wife and I hold account number XXXX with Ally Bank. We 've been with them for a few years now, but we no longer need the account and are trying to close it. Before we close it we need to empty it. On three occasions, we requested a transfer of the balance to our Credit Union. This occurred on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On the first two occasions, the bank reported that the transaction was refused by the Credit Union ( ACH Return ). I talked to the Credit Union and they said they had no record of any transfer ( bear in mind that we have transferred funds back and forth many times before without a problem ). This last time, there is no record showing that any transfer was initiated. None. I had sent them an email about this matter the day I initiated the transfer : " Once again I am attempting to transfer my balance, {$3.00} to my account at XXXX XXXX XXXX XXXX. I have tried this twice before. Each time you list it as ACH Returned. I have talked with XXXX XXXX and they claim to know nothing about this. As stated, I am trying again. If it does not succeed this time I will be reporting you to the Feds. GROK? '' It seems to me they are playing a game with me.
I have today initiated yet another transfer, and this time I took a " screen shot '' so that I would have a record of having initiated it.
|
| 09/08/2016 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Web |
|
|
Following Ally Bank 's instructions from a phone call, I downloaded and completed their PDF form to add my wife as an account owner to XXXX savings accounts. Following the form 's instructions, I submitted it to Ally Bank 's online Secure Messaging system on XXXX XXXX. There was no change to the ownership status on XXXX XXXX, so I submitted reply to the original Secure Message. Ally 's reply on XXXX XXXX was to provide them with already-submitted account information in the form of account numbers. I provided this on XXXX XXXX. Ally then told me to submit paperwork, neglecting to see the original PDF submission. On XXXX XXXX, I replied to have them check their original records because they have this already on file.
This is the second instance of Ally " losing '' forms that they give instructions to submit online via their Secure Messaging format. I do this because I prefer to send documentation that is encrypted with my username and password rather than fax. Secure Messages leave a paper trail. My first trouble with this was when I was trying to add my wife to a checking account. This second time shows an utter ignorance of this Secure Messaging platform they set up and suggest we use.
It has now been over two months and my wife still does not see the savings accounts I wanted to join us as newlyweds.
|
| 04/27/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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On XX/XX/ Ally Bank froze certain joint bank accounts at Ally bank. The joint bank accounts frozen were those I maintain with my XXXX XXXX XXXX son. The accounts were frozen after my son attempted to send money via XXXX. The attempted XXXX transaction was flagged for potential fraud. When my son called Ally customer service to resolve the issue he was told that a recent phone number change on his account likely triggered the flag. However, Ally next determined my son could not be properly " authenticated '', froze all accounts for which is was an owner/joint owner and told him to wait for contact from Ally fraud staff, with an estimated " up to five business days '' till you hear from us. As a joint owner on these accounts I am currently being denied access to the funds in these accounts, despite the fact that Ally Bank has been able to " authenticate '' me. I support Ally 's efforts to detect and deter fraud, but that goal must be balanced against customers ' need to have access to their funds to the extent possible. The bottom line is Ally should have an obligation to work swiftly to resolve fraud concerns. It has not done so in this case. A five days to reply standard is unreasonable. Moreover, Ally has not even stated any reasonable grounds for denying me ( versus my son ) access to the frozen funds.
|
| 11/03/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Web |
Older American, Servicemember |
|
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX The aforementioned company requested that I co-sign for XXXX XXXX because he did not have enough credit. They explained that everything would be in this name and I would only be responsible if he did not make to payments. He is doing well in his position so I came to Md. to sign the papers on which I was secondary. Before I signed the paperwork he had purchased insurance and afterward had the window tinted. Once I returned home the dealership asked me to come back and sign a document requiring the vehicle to be housed in NC where I live. My son lives in Md. This was never a requirement and how would we do such a thing when he would drive the vehicle in Md. I was told Ally financial is requiring this. It made no sense to me and I declined to do so. Therefore they requested my son bring the vehicle back which he did. Since that time Ally has called my job to collect a debt. In the police department on a recorded line. Sent my son and me collection letters and demand payment of a vehicle we return within 2 weeks of attempted purchase. Ally Financial and XXXX XXXX XXXX XXXX Md. I reported no payment to the credit bureau and harassed my son and I. We have not had the vehicle since XXXX XXXX payment was due XXXX. Now 2 payments. This is not acceptable,
|
| 06/02/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
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Paid off my car loan on XX/XX/XXXX. Requested letter of lien release so I could sell the car immediately. This was the reason I paid the car off years early. Was told after the fact that an unexplained 10 day holding period was required by Ally Bank ( not sure why this would be necessary ). No mention of this was made at or during the time of the loan payoff. Had I known this I would not have invested in advertising my car for sale that day. Today is XX/XX/XXXX ( beyond the unexplained 10 day hold ), still no release provided or any communication as to when I will receive it. As a result I am being continually denied the right to freely sell my property. Ally Bank tells me they will only mail or possibly fax a copy of the letter once generated, no email capability or other modern electronic capability exists there to expedite the request. It's as if they still use stage coaches there. As a result of this delay I have lost opportunities to sell the car to interested parties while I wait for Ally Bank to act and fulfill their obligation to release the lien upon payment. I've reached out on a daily basis to Ally Bank via phone and chat to ask for resolution. No process exists according to the phone operators to accommodate or expedite this. Zero care or consideration. I'm prisoner to their antiquated ways.
|
| 04/08/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I obtained an auto loan back with ALLY FINANCIAL back on XX/XX/XXXX for XXXX. The car was involved in a hit and run back in XX/XX/XXXX. I informed them of the situation. When I spoke to one of their reps, after my car insurance paid off 97 percent of the loan, they told me I would not have to pay the remainder of the loan until XXXX but please be advised it would accumulate interest. When I received phone calls from them, I was informed that I was expected to continue to keep making regular payments because I didn't have gap insurance even though I was advised different. Ally Financial harrasses me Monday through Sunday with over 10 phone calls per day. They call after hours after XXXX XXXX Monday through Friday to harrass me as well even when I speak to them and tell them I am aware there is a balance on the account and I will take care of it as soon as I can. I do not return their calls anymore because if I do, I get even more harassment phone calls from them and more letters harrassing me with letters stating notice of intent to make negative report on mu credit in which they have now did. This is why I am coming forth to have them investigated so others can have record of their tactics. I am sure they got angry that they could not reach me so they decided to try and damage my credit. Thank you, XXXX
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| 02/25/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I received an offer to open an Ally checking account since I have an auto loan through them. I opened an account and kept receiving emails to fund the account and set up direct deposit otherwise they would close my account.
I set up direct deposit and transferred over {$4000.00} in funds ( all of my funds ) to my Ally checking account since I wanted to use it as my primary account. Only then did ally tell me that it would take up to 10 days before I received a debit card or access to my virtual card.
I do not have any other access to funds in any other account. They instructed me to try to using XXXX to transfer money but then they sent me an email that it will take 4 days to receive the XXXX transfer.
I have no food or gas and Ally will not give me access to my funds to that I can eat or get to work. They are holding my funds hostage through their harmful practice. It is possible to release a virtual card to customer while the physical ones ship and Ally is refusing to do so for customer after pressuring them to move their funds to an ally account.
I now have no chose but to go 4 days without eating even though I have money in my bank account. This is inhumane and ridiculous.
I would have never transferred all of my funds to Ally had they made it clear that they would hold my funds hostage.
|
| 11/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have attached my driver license and social security card In accordance to the FCRA act, Ally has violated my rights for 6 months with all 3 credit bureaus.
15 USA 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states fa consumer reporting agency can not furnish a account without my written instructions. 15 U.S. Code 1681a_ Definitions, rules of construction Exclusio
ns-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report.
15 USC 1666B : A creditor may not treat a payment on a credit card account number under an open end consumer credit plan as late for purpose.
Account is reporting with 2 different amounts of high credit Account is reporting with 2 different past due amounts Account is being reported with 3 different dates of last activity Account is being reported with 2 different dates of payment history If this is the same account being reported by the same creditor why are dates amounts, status of account all different Account Status is different with all credit bureaus : Reported as collection, charge off and write off/profit loss Inaccurate balance amount is reporting to 3 credit bureaus
|
| 03/22/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
Older American |
|
My deceased husband had a car loan with Ally auto loans. I called them in XXXX of XXXX told them I wasn't on the loan but my husband who was had died. They hung up on me. So I faxed over a death certificate and told them where the vehicle was located and to please come pick it up. This was XX/XX/XXXX. I never heard from Ally. I tried several times to contact them and they would not speak to me. The vehicle sat in my driveway and I had to pay personal property taxes on it and full coverage insurance until my husband received a letter the end of XX/XX/XXXX stating they had written the vehicle off and he owed them {$32000.00} ( Approx ) They had continued to add finance charges to a dead person 's bill and refused to pick up the vehicle. I want $ XXXX storage fees from them for the 485 days the vehicle was left on my property. Total Ally owes me is {$14000.00}. They have the vehicle as they repossessed it on XX/XX/XXXX. My name was never on the loan. They never had any correspondence and refused to speak to me every time I called them. They NEVER sent a letter in XXXX 's name until the end of XX/XX/XXXX. This company is a scam. Stay far away from them. There was no money to pay off the loan. My husband owned nothing and had huge medical bills and no life insurance. And now this company has ripped me off.
|
| 10/30/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
Online banking transactions are showing up under wrong merchants and when I tried to open a case for this issue with a representative over the phone, they ended up canceling my card without telling me. In addition to the merchants being incorrect, there are also constant withdrawals//charges that I didn't process and then immediately the exact amount returned. Sometimes from the same merchant as the deduction, sometimes different. Call representative confirmed that the merchants on their end are correct but that it's showing up incorrect on my end. There are even multiple interest deductions and added back. Things that were showing up correctly suddenly showing up at a later date incorrectly. There has been 2 times where charges I was certain were completed completely disappeared. This makes the online banking service inaccurate, misleading, ineffective, unreliable, and unsecure. Calls are either being intercepted or representatives are regularly providing misleading information and talking incoherently in circles using relevant key terms in completely illogical and unhelpful ways. One had me repeat the spelling of my address numerous times ( including the spelling repeatedly ) and one of the reasons is that the spelling of XXXX translated to XXXX to him. Just word salads and repeated inconveniences.
|
| 09/05/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
Ally Fraud contacted me XX/XX/XXXX saying suspicious charges. I logged in and noticed someone had attacked my bank account for XXXX XXXX I immediately called Ally fraud said those are fraud I did not authorize the charges. Now 3 months later Ally has taken the money back saying the merchant said I used them for which I never have, dont even know who it is. I looked at the company online and they are known scammers and money laundering. They allow stolen money to be turned into XXXX. I provided proof to Ally I have not nor would ever use this fraud company, I did not authorize any charges, I can prove I was at home and not in Florida and I can prove my IP address was not used. For which of any transaction with that scam company were to happen they would have to have my, and prove, it came from my IP address which they can not because I didnt use. Furthermore Allys own fraud department knew it was fraud as they alerted me and I said unauthorized And by Allys own security policy any customer who says a charge is fraud is not held liable and they sided with a known scam fraud company. I researched online and I am not the only one Ally has done this too there are thousands of Ally customers That have had this XXXX company steal from that Ally has sized with and its clear Ally is in on the fraud with them
|
| 08/05/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
Ally Bank is the worst!!!!! I initiated a XXXX to someone and they never received funds, a week later I went to send it again, but realized the first XXXX I sent out, never came back, so I cancelled the second one. I contacted ally bank and a lady told me wait 13 business days. After 13 days, no funds were issued out, so I complained about it, then they credited me my XXXX back, I sent that to the person that I had waiting a month to receive their funds. A month goes by and the close out my account and even took away my access. Today I attempt to log in because I keep receiving emails from them, then all of a sudden it gives me access and I notice it shows my account is back open with a negative balance of XXXX dollars for a withdrawal on XXXX XXXX XXXX. This bank has been making errors for a long time, they also have been sending me mail saying I owed over draft fees when I contacted them they informed me that it was an error in their system and to just simply ignore it. This bank is ran digitally and the system is just trash. They are charging people then apologizing, closing accounts then opening them back up with a negative balance, theyre claiming the will send it to my credit which I worked hard to fix. I will be contacting a financial and banking attorney and taking them to small claims court.
|
| 02/03/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
XXXX Form No. 1099 Tender of Payment amount in full for debt {$17000.00} tendered in full and refused or declined by Ally and by law the XXXX XXXX XXXX b ] states once tender has been made and declined or refused there is discharge. {$6700.00} for approximate two years of monthly payments, Legal Fees {$5500.00} per day for past 90 days failure to adhere to court orders decrees {$49000.00} and legal fees. XXXX {>= $1,000,000}. Extortion and Threats against a foreign official aka Diplomat ; XXXX XXXX XXXX XXXX, XXXX Issuance to reserve banks, nature of obligation ; redemption aka Tender of Payment. {$17000.00} for 1099c debt discharge identification event code B. Common Law Court Order and Fee Schedule Violation of oath of office XXXX {$250000.00}, Denied Proper Warrants XXXX {$250000.00}, Denied reasonable Defense XXXX {$250000.00}, Defense Evidence Records, claimed not to have Diplomat ; XXXX XXXX XXXX XXXX 's title and appellation on file, was untrue we received letter [ s ] with Ally addressing her appellation and title, Denied Truth in Evidence XXXX {$250000.00}, Slavery Forced Compliance to contracts not held XXXX {$250000.00}, Denied Provisions in The Constitution/Treaties XXXX, Extortion XXXX XXXX {$5000.00}, Mail Threats XXXX {$5000.00}, Fraud XXXX {$10000.00}, Falsification of Documents XXXX.
|
| 05/24/2019 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have complained about Ally in the past because they had reported my account as delinquent with a balance when the actually lease of 39 month was all paid on time, during the return process the account was charges unreasonable and excessive fees associated with wear and tear which i disagreed with, So when I initally complained they amended the reporting from delinquent to a charge off. I complained again for the false information called a charge off and they responded the following answer : " notice dated XX/XX/2018, was mailed to your address of record indicating a balance due of {$1600.00} and our intent to report negative credit information regarding the status of your account should payment not be remitted in 10 days. When we did not receive the full payment of your outstanding balance by the required date, your account was charged off, and we furnished that information to the credit reporting agencies.
Based on a review of your account, we believe Ally is furnishing accurate and complete information of our credit experience with you on this account. Therefore, we will not request the credit reporting agencies remove this information from your credit file.
When in fact I have discovered new evidence dated XX/XX/2018 which a payoff letter attesting that all fees and charges were paid in full.
|
| 07/18/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
I tried to open an account at Ally Bank a few years ago, and I was denied. When I called asking for an explanation, I was told that it was because my credit score was too low. This had to have been false, because my credit score was and remains well over 700. I suspected the real reason for the denial was because I had recently applied a credit freeze to my consumer reports with XXXX, XXXX, and XXXX after some of my personal information was compromised. But a credit freeze isn't suppose to prevent me from getting an account -- the bank should just reach out to me to confirm it's me trying to open the account before proceeding.
Today, XX/XX/2023 I tried again to open a savings account -- this time as a joint savings account. Once again, the application was denied. I received no explanation for the denial. The only statement provided by Ally Bank 's automatic system was this : " We weren't able to approve your application. We can't accept your application because it didn't meet our requirements. We didn't make an inquiry to your credit report. We appreciate your interest in Ally Bank. '' I tried calling Ally 's 24/7 support line for more information, but had to wait on hold for a long period of time before I had to give up. It is unclear what " requirements '' Ally Bank claims I have failed to meet.
|
| 10/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Ally Financial has been reporting inaccurate information to XXXX, XXXX and XXXX. All of my attempts to correct the reporting with Ally and all 3 credit reporting agencies has failed. Ally has not responded at all and the 3 agencies just send me an general response saying the information has been verified without giving me the proper proof.
Letter written to Ally Financial on XX/XX/XXXX requesting for validation pursuant to the FDCPA and the FCRA along with the corresponding local state laws. They have yet to respond.
2nd Letter sent to Ally Financial on XX/XX/XXXX requesting for validation pursuant to the FDCPA and the FCRA along with the corresponding local state laws.
Dispute letters sent to XXXX in regards to the above Ally account reported on the following datesXXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX. My name, dates, amount owed and last payment dates are wrong and constantly change on their report. XXXX continuously reports that the account is verified without any proof.
Dispute with XXXX and XXXX sent in regards to the above Ally account on XX/XX/XXXX, XXXX and XX/XX/XXXX notifying them that My name, dates, amount owed and last payment dates are wrong and constantly change on their report. XXXX continuously reports that the account is verified without any proof.
|
| 01/31/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Web |
Older American |
|
XX/XX/2019 I tried resolving a 30 day delinquency by refinancing my auto loan. Ally told me that their system would not accept payment, because the process for voluntary surrener had begun. Ally recorded each call each day, I was told and was well aware I was trying to resolve to keep my vehicle. Ally recommended surrender and paying the account off during the process, I did what Ally recommended voluntary surrender XX/XX/2019. Ally never contacted me once I voluntarily surrendered the vehicle, instead Ally sold the vehicle and instead of me having an opportunity to pay the vehicle off in full, now Ally states I owe Ally the difference. I do not owe the difference I was in contact with everyone including XXXX XXXX XXXX XXXX who informed me Ally sold the vehicle I surrendered. When contacting Ally, Ally told me though I have received every piece of correspondence from them, something must have happened to the information mailed to me on in XX/XX/XXXX that would have given me opportunity to own my vehicle. Now, Ally aggressively try to collect on their mistake. I told Ally I am XXXX and would not lie about the process they had me in nor would I lie about the fact that I never received their correspondence, even though I am home everyday for the mail. Ally Rep just kept repeating the same information
|
| 12/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
Servicemember |
|
In 2020 I went to the XXXX dealer to get a new car, I got a XXXX XXXX for XXXX for a term contract of 72 months thats a low value vehicle for 6 years, clearly moneys were moved around to make the prices jump so much. upon leaving the dealer the total for the car was at XXXX years later i see i still owe XXXX so i started to do the math and research and i've come to find there were many violations that i was unaware of when buying the vehicle that i wasn't made aware of the sum of all charges were insurance should've been included, consumer credit transaction is cash on hand and that didn't happen either, the laws and fees were not disclosed properly and fed lies off of a good faith agreement rather than a consumer credit transaction.upon finding this i reported to the bank and they said they would hit my credit until the issue was resolved while i filed a complaint.
In accordance with the fair credit reporting act this creditor ALLY FINACIAL has violated my rights under 15 USC 1681 section 602 I have the right to privacy, 15 USC 1681 section 604 a section 2, It also states that a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.
|
| 12/12/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I have repeatedly requested to cancel the XXXX XXXX that I purchased from XXXX XXXX on XX/XX/23. Since I have 5 days to request a refund from my initial purchase, I sent an email with intent to cancel my membership on XX/XX/23 and again on XX/XX/23. I requested that the business refund my initial deposit of the {$1800.00}. Following up to my email, I called the XXXX XXXX phone line on both days, at ( XXXX ) XXXX. The first representative told me that their inbox was full and to try again at a later time. The second representative told me to give them 5 days to respond. I never received a response from them regarding refunding my money, until XXXX month after I filed a dispute with my bank. The reply came from a man named XXXX XXXX XXXX on XX/XX/23 and it did not address their lack of response the previous month. XXXX only emailed me to say that his legal department would be in touch with my bank. Since my money was never refunded and I never heard from them since, I have no choice but to start the process of taking legal action. It should only take one message to a business in the appropriate timeframe, for them to acknowledge that I am due a refund, especially since I was a hotel guest at the time. The disorganization of this business is not myjurisdication, but it should no longer be my burden.
|
| 12/07/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
I had an available balance on my checking account of {$5400.00}, and then made a debit purchase for {$4500.00}. The next day, Ally told me that my account was overdrawn by thousands of dollars. But I have a screen shot showing that the money was in my account when I made that purchase.
I called and disputed this, and they told me that my account would remain frozen until they completed their investigation. They were quite rude.
I waited over a week, and when they finally unlocked my account, the remaining {$3800.00} I had in my savings had been automatically moved to my checking account and then disappeared. Now I have literally no money in my account because they took it without providing any explanation whatsoever.
Why did they tell me that I have enough money in my account to cover my purchase?
If I didn't have that money in my account, then why did they allow the debit card purchase to go through for thousands of more dollars than they say I had in my account?
They have provided no explanation whatsoever for these questions, and just took the remaining money I had in my account that was completely unrelated.
This should be criminal and I want my money back and an explanation.
Every time I call they have just been rude and refused to answer my questions or provide any information.
|
| 10/22/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Web |
|
|
OnXX/XX/2019, I refinanced my car loan with Ally for a better rate with my bank ( XXXX XXXX XXXX ). A check in the amount of {$11000.00} accompanied the paperwork. The remainder of the loan with XXXX XXXX XXXX. Car loan first payment was due XX/XX/2019. After XX/XX/19 passed, I started getting calls from Ally about when I was going to make the payment. I explained the situation. Then I kept getting harassing phone calls for payment. On XX/XX/19, worried my paperwork and check were lost in the mail, I went back to the bank and wrote another check for the same amount and XXXX XXXX XXXX sent it off overnight. The phone calls kept coming, saying they had not received the paperwork or the check. I tried and tried to call and get someone to help, but the only number available was customer service located in the XXXX. I also tried email, but no help there either. I kept checking my online Ally account ... NOTHING. The calls kept coming. Finally, on XX/XX/XXXX, I noticed the check had been cashed with my bank. The transaction was dated XX/XX/19. I thought everything was resolved. THEN, I noticed Ally had cashed the other check on XX/XX/19 even though my Ally account has said paid in full. I called them ( XXXX again. ) They said they would issue a check in 10 days and mail it to me. This is not acceptable.
|
| 09/10/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
I purchase a car using Ally financial. Then within the first week of owning the vehicle I refinanced with XXXX. I received a check for the amount of the XXXX day payoff amount on XXXX and mailed it to ally on the XXXX, they claim they did not recieve it until the XXXX and charged me a {$170.00} interest payment. Spoke with there rep, they stated it would be taken care of. In XXXX I start receiving calls about a late payment for {$180.00}. After speaking with them they told me that had a note that all payment had been receive they would take care of it. Meanwhile they are holding on to the title and not sending it to XXXX until the {$180.00} Is resolved. Then today I check my credit report and they have posted that my account is late leading to neg hits on my credit. When I called them they stated that the loan was for XXXX and the payoff of {$46000.00} was accepted but left a balance of {$170.00}. That does n't add up. I paid the {$190.00} balance plus interest to get the title, got the confirmation number for the payment and the supervisor told me after the payment was deducted, that I would recieve the title XXXX day after the payment was processed. When I ask how long that would take he stated it could take as long as XXXX days. Which means it could accure more interest charges. Baffling to me
|
| 11/05/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
|
|
At the end of XXXX in XXXX, I went to XXXX XXXX in XXXX, AL to purchase a vehicle due to some maintenance issues that I was having with my current vehicle. I was shown the XXXX XXXX XXXX that I eventually purchased by a sales manager. I expressed concern at the time of signing because I continuously asked for a total financing amount from the dealership who made misleading statements expressing that they wouldn't be able to give me the final amount. After hours of being pressured by the dealership to complete the sale, I reviewed the sale contract and saw where I would be charged over {$11000.00} more than the base price for the vehicle which was only {$23000.00}, totaling the sales purchase to over {$35000.00}. I went back the next day to return the vehicle, which I was told by the dealership manager that I couldn't do. I do feel that as a young, XXXX woman, Ally Financial empowered the dealership to trap me into a financing commitment that was extremely predatory and over-priced. After years of trying to keep up with the outrageous payments, the vehicle was repossessed in XX/XX/XXXX. Even two years later, Ally Financial continues to try to collect on a collection that was placed on my credit for roughly {$8000.00} which has affected me being able to obtain healthy credit or financing options.
|
| 10/11/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Bounced checks or returned payments
|
|
Web |
|
|
On XXXX XX/XX/2023 - I got the email from Ally bank that : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - We declined your transaction.
Account Type : Spending Account Account Ending In : XXXX XXXX, we declined a recent transaction because you didnt have enough money in your Spending Account to cover it.
What you need to know about the transaction we declined {$380.00} XXXX XXXX Well never charge you an overdraft fee, but check with the recipient for this transaction. They may charge a fee on their end.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - chatted with Ally customer service- they have no clues. Asked me to call Ally customer service via phone. Called Ally customer service by phone and they can also not provide me any more information like - who was the payment for?
Ever since Ally threatened me that they are closing my account ( as part of retaliation ) - I started all my billers to use my different account. It seems something got missed out here? It's a very simple question - who was the biller and some other details but Ally is clueless. Telephone based support is outsourced to some country who can barely speak or understands XXXX.
|
| 07/06/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
My vehicle was unrightfully repossessed in XX/XX/2023 less than 30 days after I made a payment. I was told that I had 3 months of non pay and that Ally had legal right to do so. I paid all monies due per the documentation and the verbal communication from Ally ; and the final amount was {$600.00} in excess of the repossession letter. My vehicle was released back to me a few days later. However, upon my request for the title to my vehicle, I was then told that I owed another amount of {$2900.00} as a final balance. This was never shared when in discussion to retrieve the vehicle. I specifically asked for the total balance owed to close out the account with Ally. I know this to be accurate because I was outraged that the vehicle was taken after I had just made a payment in XX/XX/2023.
I have been calling for more than 90 days trying to dispute the amount that Ally claims is my final balance. In addition I began requesting details about the miscellaneous explanation of charges and the additional car note listed after I was told that I had no other car note owed. This is so unfortunate after 6 years and although my account was not up to date at times ; I am still a customer and I paid what was owed. I am asking for your help to right the wrongs of this company and force them to release my title.
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| 04/01/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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I believe I was a victim of social engineering by a company called XXXX. They're a complete scam, but the company I am complaining about today is Ally Bank. Under regulation E they are responsible to issue a refund for cases of social engineering. The reason I believe this is a case of social engineering is because the hotel results were displayed by XXXX on their booking section so I had no reason to doubt it. I made a purchase on XXXX, XXXX, XXXX for the amount of {$820.00} through my Ally Debit card. It wasn't until I called the resort to verify the voucher that I realized I've been duped. I've been trying to get my money back with the help of Ally for over 6 months but they haven't been very responsible. Their evidence for denying the dispute is that they contacted XXXX and were told that it's a valid ticket. What kind of evidence is that? I can provide a letter from the hotel confirming that the voucher is invalid. Ally Bank has to start taking legal, social, and ethical responsibility for disputes submitted to them. Currently they handle disputes with an attitude of It's your fault and we have evidence that the disputed transaction is valid. There's another blatant scam which they ignored, but for now I want to get my {$820.00} back for this case, and will submit the lesser fraud after.
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| 03/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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On or about XX/XX/XXXX, I submitted a dispute with creditor Ally Financial through a credit agency. Notwithstanding the underlying dispute, Ally Financial disagreed with the dispute and instead alerted XXXX that the charge off that occurred in XXXX, actually happened in XX/XX/XXXX ( when they responded to the dispute ). As such, XXXX updated my credit report indicating the loan was recently charged off in XX/XX/XXXX, instead of almost five years ago in XXXX. They updated the entry to show this will fall off my credit report in XX/XX/XXXX since the charge off is dated XX/XX/XXXX.
Clearly, this is erroneous as I paid this account in XX/XX/XXXX, and Ally Financial illegally believes there is still a balance on the account, which they charged off in XXXX. They do not get to update the account and erroneously state the charge off date to a date almost five years later. XXXX states they report exactly what the creditor told them to report and have no duty to check the information. As I informed XXXX they have the credit report of the last five years and can see when the charge off occurred, without much research. XXXX has put in another dispute with Ally Financial to see how they respond. This is not sufficient, as Ally Financial continues to violate laws in error reporting to the credit bureaus.
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| 10/02/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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It was XXXX of XXXX when I got a loan for a vehicle from Ally Financial. Paper work was done incorrectly from the start, it was a loan for my mother and I was supposed to be somewhat of an authorized user on the account. When we brought it to their attention they said it was ok and there was no need to change. As time went on my mothers job became slow and we were denied a refinance in XXXX or lower payments ( even though we were overcharged the XXXX blue book value and no one wanted it as a trade in at all the local dealerships. ) We did everything we could to keep up payments and it came a time we were begging for help with less than a year owed and they refused to take the monthly payments but instead wanted the full amount owed. Unfortunately we didnt have that kind of money and cleaned out the car to be picked up for repo. Once they resold the car I began receiving bills for {$9500.00} ( more than what was owed or the car value ) and eventually it was placed on my credit report for collections. I feel no one really wanted to help us in time of need but instead seen an opportunity to get paid twice and take advantage of the situation. Its not fair to pay for something I dont have and that has already been paid for especially when payments were denied when we were trying to keep the vehicle
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| 03/11/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
Servicemember |
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My car was totaled on XX/XX/20. My insurance company ( XXXX ) sent 3 checks to the loan company ( Ally ). The 1st was sent on XX/XX/XXXX, credited on XXXX ( for just over {$10000.00} ). the other 2 checks ( {$4000.00} and {$2400.00} ) were sent on XX/XX/20. They STILL have not been applied to the loan to close the account. I have called repeatedly, been told the checks are " pending '' and to check back because " they are having issues with a system update ''. Meanwhile I continue to make monthly payments ( which means they are collecting money over and above what is owed to them ) with no end in sight. No one can give me a time frame of when this might be resolved, and no one there ( at Ally ) seems to be able to explain why they haven't cleared the checks. I can understand system issues happen, but holding money ( all the while collecting more than what is owed ) and not being able to give a reasonable answer or time frame seems more than a little shady. If they are doing this to all their " total loss '' accounts it could involve THOUSANDS upon Thousands of dollars over and above what the loans were for. When I spoke to them again today ( XX/XX/XXXX ) I was told a supervisor would call me back in 24-72hrs, but that they wouldn't be any better able to answer my question or solve my problem.
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| 01/10/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Getting a loan or lease
- Problem with signing the paperwork
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|
Web |
Servicemember |
|
I traded in my XXXX XXXX for a XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX XXXX, Texas on XX/XX/XXXX. Right after I signed the lease I told the salesman that I had my doubts about what I had just signed and wanted to cancel. The salesman told me that I could go back the next morning to either undo the lease, select a different vehicle or modify the existing contract. I told the salesman that my concerns were the following : ( 1 ) I was promised a 36/month lease and the contract was for 39/months. ( 2 ) I was promised to have my trade paid off and not have negative equity rolled in and negative equity was rolled in. ( 3 ) There was a Rent Charge in the contract for {$6500.00} which was about half of the 39 monthly payments. When I went back to the dealership the very next morning, the finance managers did nothing but tell me how good my contract was and that a high residual was to my advantage which I disagree. The finance manager also told me that he did not know why this salesman had told me that I could undo the lease if that was not possible. Then I saw an article where Ally which is the finance company that XXXX XXXX XXXX used, had a XXXX discrimination settlement. I was wondering if you could review the attached narrative and documents to see is I am a victim or the same type of violation.
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| 12/16/2020 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
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I am an account holder with Ally Bank. I recently made a deposit of {$700.00} online through their app. I called up inquiring about why there was a hold put on it. I went through the customer service line and the first person didn't have too much information but was helpful enough to transfer me to a supervisor, XXXX. XXXX reached back to his " check processing '' dept. XXXX came back on the line and indicated the hold was put on because that department has reason to believe this check won't cash. I asked for further explanation and he said that is all he can tell me. I explained to him that I had deposited a check from the same payer a couple weeks prior, a hold was put on, and it did not bounce. The check that I was inquiring about was significantly smaller. I asked him what would happen if this was check that I needed access to right now. He said that it wasn't a " Dire '' need after reviewing my account. I'm not sure what he is talking about or what would constitute a dire need. I asked him if he was inferring to this check amount against my balance that is larger. I asked him to note the account with the notes of what he just said and explained to him how that is discrimination. I asked how I could reference him at a later date and he said anyone can just see which XXXX made the notes.
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| 10/09/2018 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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I have asked Ally Auto Financing back in XXXX then again in XXXX, XXXX and XXXX not to call my cell phone during the hours of XXXX to XXXX XXXX that it is an inconvenient time frame due to my cell phone is used for work purposes. They continually call during those hours and when I send it to voice mail they will call back approx. 6 to 10 minutes later. I do not dispute that I am behind on my loan, due to divorce and health issues along with the car being broken down and in the shop for about 2 months along with paying out for rental cars, but they have now gotten me in trouble at work I have had 2 verbal warnings and I can ' afford to loose my job. They will call me week day during the time frames that I asked them not to call and will call 2-3 times a day. the calls are coming from the West coast and I am on the East Coast. so far this month they have called me on XX/XX/18 at XXXX XXXX, XX/XX/2018 XXXX XXXX, XX/XX/2018 XXXX, XX/XX/2018 at XXXX, XX/XX/2018 at XXXX, XX/XX/2018 at XXXX and today XX/XX/2018 at XXXX and then again at XXXX XXXX. it was like this the whole month of XXXX, XXXX and XXXX. This is getting to the point where I'm getting ready to get terminated from my place of employment. I have finally had enough and want them to come get the vehicle so they will no longer harass me.
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| 04/06/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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My issue is with the late fees charged on the account. I've had automatic payment on this account since day one. The payment is debited from my checking account and applied to the loan. Apparently some months ago one payment was returned and I didn't realize it. I hardly ever log in online to check this account since my payments are done automatically. The day I log in to obtain information about the loan since I was thinking of refinancing it, I noticed that a payment was due and I made my payment. On XX/XX/XXXX I sent an email to Ally asking to see if any fees could be refunded because I saw that an amount of {$490.00} was due in late fees only. I get a response on XX/XX/XXXX and it asks me to call them because due to the nature of my request they need to speak with me by phone. I call them on XX/XX/XXXX and the person who assisted me said he couldn't do anything for me. I replied back to the email online and ask them why had they asked me to call if they were not going to be able to assist, they could have just said that they were not going to assist on their email response. Based on that email, they only refunded {$29.00}. If they check my payment history, they'll see that for the past 4 years I have not had any other late payments and I deserve to be refunded more than that if not all.
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| 02/09/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Banking errors
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|
Web |
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Dear Ally XXXX Offices, CC : CPFB and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : incorrect bonus I spoke XXXX this evening when I saw the getpaid bonus. I was told I was only being paid {$54.00} because I closed the 11 month CD and opened more.
The funds remained in my individual name which the new month total {$50000.00} was brought in and funded on XX/XX/XXXX CD xxx XXXX.
I was told there would be no issue closing the CD and opening another one as long as the funds stayed with ALLY. I continued to ask these questions and was re-assured that the bonus would be paid in full 1 % x {$50000.00} = {$500.00}. I have been a customer for many years and I even spoke to a representative last week who said if there is an issue to call customer service. I explained to XXXX during the call tonight XX/XX/XXXX @ XXXX PST. She was not willing to assist, open a research ticket, and was rude by just reading your terms and conditions. The {$50000.00} was a new CD in my name XXXX XXXX, XXXX were closed and transfer performed by Ally who on the recorded calls stated it would not effect my bonus, the funds remained in there the entire time through the period XX/XX/XXXX and are still in there as of today. I am looking for someone to rectify this ASAP.
Please research this and call me at XXXX.
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| 01/08/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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i have a loan with ally on a XXXX and during covid time i was a little lat on my payment and they were trying to charge me late fee 's ..at that time by law no financial institute were allowed to charge fee 's!!! and when i called about the issue they were not cooperating and it got worse from that point on ... they kept trying to give me financial assistance Repeatedly!!! I asked for a manager that took me months to reach and was told it was going to be resolved it just got worse!!! so at this time i am in the market to buy a home and they are holding me XXXX giving a bad credit report .. now when i tried to really get this problem fixed i was put through ringer.. there were times that i was on the phone for hrs at a time and were being laughed at from foreign worker 's times when they would say to me we cant hear you and also they left me on the phone for hrs ... and at some point they would hang up on me... so in my complaint i requested all the phone recordings because every phone conversation was being recorded ... as of today they did not send me my REQUEST .. nor are they going to due so. at this point they keep sending my monthly statement late i never get my paper statement on time to pay so i am not late.. they want to pay electronically and i refused to for security reasons...
|
| 04/11/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
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|
Web |
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I leased a XXXX through Ally Financial with XXXX miles per year ( XXXX total miles ) that was left in immaculate condition on return with about XXXX miles on the vehicle when returned in XXXX. I had previously taken the vehicle to XXXX to review the tires wherein I was informed that there was plenty of tire tread to meet typical safety standards and was advised by XXXX that I should not need to replace the tires, etc. as the tread was in excess of XXXX '' tread remained above the tire safety line. In addition on return I paid a {$0.00} per mile overage charge on the vehicle to Ally. Ally claims their lease contract requires XXXX '' tread and are wanting to charge {$830.00}, or {$200.00} per tire. On returning to XXXX I learned of XXXX things, 1 ) the tire cost at XXXX is {$110.00} per tire, or {$450.00} total and 2 ) the XXXX '' tread requirement is impossible to achieve on a XXXX mile lease and in fact, in XXXX 's professional opinion, that tread depth could not even in all likelihood be achieved on XXXX miles per year ( XXXX ). I feel that Ally is misleading consumers with the tire XXXX '' tread lease requirement, as well are overcharging for tire replacement costs versus the market and finally are double dipping by adding both the {$0.00} mileage overcharge and replacement tire charge.
|
| 09/21/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
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Web |
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Monday XX/XX/2023 at XXXXXXXX XXXX I received a text from my mom that my uncle was expressing he was tired of receiving calls from XXXX which sounded like a collection call. I called the number to find out it was Ally Financial which I had requested to cease and desist all calls a month or two prior. My uncle is a distant relative we dont speak to so I am very upset he was called especially after I requested cease and desist. I never used him as a reference. Ive spoken to ally financial about my unfortunate circumstances and understand I have an obligation to pay my debt. Ive experienced medical, loss of income and increase in expenses as my credit which used to be in the XXXX can reflect that. I am stressed out and the calls puts more stress on the situation.
I was being refused a manager saying one was not available. I said I will wait finally got a manager who denied me a number or address for me to file a complaint on still receiving calls on cease and desist account. All calls are monitored recorded so this can be confirmed. The manager would not provide me info just said hed take my complaint and feed back I expressed to him I wanted to escalate it further. Then call went real silent.
I had to do research to find this consumer finance protection site to file a formal complaint.
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| 01/25/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
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|
Web |
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This is the continuation of the previous complaint ID XXXX. Because the system of Consumer Financial Protection Bureau automatically closes the complaint down right after receiving a response from the bank, so I have to open up a new complaint.
The response from the bank was a XXXX XXXX XXXX XXXXXXXX, the XXXX XXXX XXXX is a XXXX XXXX XXXX and she told me in her letter to call their Customer Service about their closing my accounts when their Customer Service does not have any information and does not know anything about it? She wants me to call their customer service and yell and fuzz at their customer service instead of her when their customer service does not know anything about t he issues?
When Ally Bank closes down my accounts UNFAIRLY, they only sent me a letter saying that they closed my accounts down ; that was it, they did not say anything why or what was the reason. I called and asked but they were not able to tell me why.
I still have records that I did complained alot about their online banking was down a lot that I could not pay my bill using their pay bill features, and I think they revenged me for complaining by closing my accounts down.
Also, I did use my debit card to purchases and later disputed some transactions. However, I do not think that is the reason why.
|
| 01/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
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I opened a car loan with Ally Financial in 2018. Less than 6 months later the vehicle was totaled in an accident. The accident was immediately reported to the authorities and my insurance company. The next business day, it was also reported by me to the bank. I was told after I was placed in collections that the full balance of the loan would be fulfilled with the GAP insurance coverage. This was not the case. I have attempted for the last 2 years to have this account rectified. It is being reported as a charge of for the full amount of the loan, over {$15000.00} and GAP only covered about 50 % rather than the full 100 % as I was told by Ally. Suddenly Ally has no record of this account either in the service end or the charge off department. Nobody can explain to me why theres no record of this account yet its showing as a charge off with half of the balance having been paid. Its also not reflecting the payments that were made in the few months prior to the accident. I cant get this issue resolved because Ally has no record of the account, so how is it being reported to the bureaus? I was told after GAP pays out, it would be CLOSED with a {$0.00} balance. Ally representatives were very misleading! Unfortunately this is not the only horror story with Ally, they should not be operational.
|
| 03/07/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
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Web |
|
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My prior mortgage servicer is holding my escrow balance for an unacceptably long period of time.
I refinanced my home and closed at the end of XXXX, XXXX ( the loan that was paid off was account # XXXX serviced by Ally Bank ) and am owed an escrow refund of {$5600.00}.
On XX/XX/XXXX, I contacted Ally by email and asked " I have not received my escrow balance reimbursement from my loan that was paid off in XXXX Why can you not transfer the funds electronically ( you certainly received prompt payments electronically )? If you can not ( which I find hard to believe ), when and how should I expect to receive these funds? '' They responded : " A request to have the check stopped and another reissued to you has been submitted. Please allow 3-5 business days for processing, at which point the check will be sent to you via US Mail. '' I did not ask for a check to be re-issued and they failed to address my question, they but introduced additional delays.
I continue to wait for my {$5600.00} since XXXX. I called their service center 2 days ago and was told to continue to wait. I believe this wait for my funds is excessive and would appreciate any intervention into their unacceptable delays and unprofessional practices ( including being evasive and holding owed funds for, literally, months ).
|
| 04/24/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
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Ally Financial is reporting a 30 day late payment for XX/XX/2018. I mailed this payment within the allowed payment period but, apparently, Ally Financial never received it. I never received notification of the late payment directly from Ally Financial, however, my credit monitoring service did send me an alert that a 30 day late had been reported to this account. I immediately confirmed with my bank that Ally had never cashed the check and contacted Ally Financial. They informed me that they had not received the payment, so I immediately ( while on the phone with them ) submitted the payment online. The agent I spoke with agreed that, given the circumstances, they would reverse the 30 day late and contact the credit reporting agencies to remove the late payment and correct the payment status. They also stated that they would send me a letter confirming their agreement to remove the 30 day late from my credit reports, however, I have never received this letter. I have contacted Ally Financial at least 6 times by phone concerning this matter. Each time, they verbally confirmed that they would remove the 30 day late but gave me conflicting information as to whether they had already contacted the reporting agencies. Again, I have yet the receive the letter they have promised multiple times.
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| 02/16/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
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Web |
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I am a consumer and I have not received a official response regarding remedy for the matter. I have sent 3 letters to these companies as well.
The effective date of expiration for the consumers right to rescind the consumer credit transaction thereby midnight on XX/XX/2020. Pursuant to the Truth and Lending Act ( TILA ), 15 U.S.C. Section 1635 ( a ), the consumer, XXXX XXXX, hereby rescind the consumer credit transaction that took place XX/XX/2020 at XXXX XXXX XXXX XXXX in XXXX, MISSOURI and ALLY FINANCIAL INC due to violations including but not limited to, the unlawful failure to give full disclosure required under TILA, FDCPA, as well as violating Regulation Z, 12 C.F.R. 226.5 ( b ), 226.15 ( b ). It is a fact that XXXX XXXX did not participate in a loan. XXXX XXXX participated in a consumer credit transaction thereof, the adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes ; 15 USC 1602 ( I ). XXXX XXXX XXXX XXXX of XXXX MO, ALLY FINANCIAL INC., and Affiliates committed fraudulent crimes pursuant to TILA, FCRA, AND FDCPA.
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| 10/07/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
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Web |
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On XX/XX/XXXX after receiving a solicitation email from ALLY Bank, I opened an interest checking account and funded it with a deposit first, then created direct deposit to continue funding the account starting on XX/XX/XXXX. The solicitation letter said if I did those things, I would receive a {$250.00} bonus into my account " within 30 days of receiving your first direct deposit ''. I do have an email from ALLY from XX/XX/XXXX stating I had done what I needed to do, and the subject line was " Good news- you're enrolled in the cash bonus ''. I called last week and asked where the bonus was, and was told that actually it would be deposited 30 days EXACTLY from my first direct deposit transaction - as such it would be deposited into my account on XX/XX/XXXX - OR within 24 hours of XX/XX/XXXX. On XX/XX/XXXX I checked my account to find that it still was not there. I called ALLY Bank AGAIN, only to be given the run around, and no one can give me a direct answer. They have " escalated '' my issue but I have heard nothing from them since my call 2 days ago, and as of now, there is still no deposit of this {$250.00} bonus in my checking account. I am starting to feel as though this was a scam solicitation. I am not sure what else I can do about it. I can forward the email to you if you like.
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| 06/10/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
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Web |
|
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This is a follow up to a previous filed complaint - XXXX Ally Financial 's response states they have no requests from me prior to XX/XX/XXXX to stop calls, however this is incorrect, as I have record ( as indicated in my initial complaint ) of speaking to an Ally representative on XX/XX/21, during which time I requested that their calls stop. Despite this request, I was called again on XX/XX/21. On that call, their agent indicated that she was showing my number had previously been added to Ally 's internal " do not call '' list, and she wasn't sure why I was being called again.
The written response from Ally 's representative - " XXXX XXXX '' - also states, " If you have any questions, please contact me at XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, '' however when I attempt to contact XXXX at that number, I only reach a voicemail box. I've left a voicemail and attempted to call XXXX several times, yet I never receive any call back.
Ally is misstating the facts surrounding my complaint, as well being non-responsive to my attempts to contact them, despite XXXX XXXX offering to answer any questions. These two points further bolster my position that Ally is not acting in good faith, and have violated the law. Once again, I am requesting that Ally compensate me in the amount of {$1000.00}.
|
| 04/13/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
Older American, Servicemember |
|
We leased a XXXX XXXX XXXX from Ally for three years. My wife drove the car and washed it just about every day. It was kept in immaculate condition. When we turned it in to XXXX XXXX in XXXX, NC, the XXXX manager commented on its first-rate condition. She took it in regularly for periodic maintenance for the three years. After turn in Ally asked for more money for tires. If XXXX had thought the tires worn we would have responded, but they never said a word. They have confirmed this. The contract states " You may be charged for excessive wear based on our standards for normal use. '' The odometer reading at turn-in was XXXX miles, not a lot of mileage!. Ally has been pestering us for over two months asking for {$510.00} for excessive tire wear. Once gain, the car was in immaculate condition and should have brought top dollar at resale, to try and get another {$510.00} is absurd. I have told them on numerous occasions to stop calling, because we will not pay another {$510.00}. We were on time for every payment. Our credit rating is, and has been, at the XXXX-XXXX level.
I have asked to speak with a supervisor on numerous occasions, because the operators do n't speak clearly and have an accent. All I get are busy signals or recordings. Now they are threatening to contact credit bureaus.
|
| 03/28/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
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Web |
|
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Auto lease was entered into XX/XX/XXXX. Lease terminated XX/XX/XXXX. Communications about late payments and additional amounts due to creditor ( Ally Financial/GMAC Financial Services ) began XX/XX/XXXX. According to the Fair Credit Reporting Act, a negative credit item can remain on a credit report for 7 years FROM THE DATE OF FIRST DELINQUENCY. The first delinquency of this account occurred no later than XX/XX/XXXX. No additional commitments, payments, or communications took place on my behalf during any subsequent time. This creditor continues to report delinquency, collection, and charge-off to this day on Credit Bureau files. Under Section 623 ( a ) ( 5 ) of FCRA : A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on that account, which shall be the month and year of the commencement of delinquency on the account that immediately preceded the action.
Therefore, I demand that Ally Financial be held accountable and remove this negative item from all credit reporting, dating back to XX/XX/XXXX. Thank you for your assistance in this matter.
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| 01/04/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
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I filed a complaint with CFPB which Ally closed but the issue has not been resolved. As of XXXX/XXXX/XXXX their fraud department updated me that they confirmed my identity for the fraudulent loan based on my identity documents I submitted. However, the individual using my social security number to open the loan has not complied and has not responded to their requests to confirm his identity. Ally said they are still investigating the matter, but they will likely let the individual keep the automobile and loan because he has been making payments. I asked for written proof that my social security number is dissociated with this fraudulent loan and removed from my credit profile, which I was told they would not do. Ally said they will not provide anything in writing to prove that they have taken steps to dissociate my information from this fraudulent loan and that they can only give me their word. I do n't find this a legitimate manner of doing business and do n't understand how they can deny providing written proof that they will do what they are stating on the phone they will do. I question their underwriting process that allows them to approve auto loans when 2 individuals with different names are listed under the same social, especially since I have a fraud alert on my credit file.
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| 11/17/2017 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
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Web |
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I 'm filing a complaint against XXXX for predatory lending practices. I was approved for a loan to finance the remaining amount due for a lease buyout. Then I get a message saying they ca n't get me the loan because I no longer reside in the state in which the car is housed, registered and driven ( by my mother ). That fact is fine, but why run my credit and go through the whole process that took 3 weeks if you knew that it was n't going to work? Why tell me that I was approved? Negligence and incompetence.
Then I was told that I needed my mother to be on the loan application. Fine. I told them that my mother does n't speak English well. They called her and completed the application. Then I find out from her we were approved and that I have to sign papers. What the XXXX is going on? I 'm the primary borrower and NO ONE spoke to me about the different loan options. NO ONE talked to me about terms. And they " finalize '' a loan with the secondary borrower that does n't speak English well, is XXXX and does n't understand credit. I work in XXXX. This is unacceptable and CRIMINAL.
The person below is who responded to my first complaint and is responsible for setting this new process in motion.
XXXX XXXX Floor Supervisor XXXX, powered by Ally O : XXXX F : XXXX XXXXXXXXXXXX XXXX XXXX
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| 11/18/2015 |
Yes |
- Bank account or service
- Checking account
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- Making/receiving payments, sending money
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Web |
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I have used Ally as my primary checking account for receiving my direct deposits, paying bills, and using a debit card. This month my mortgage payment to XXXX XXXX XXXX was scheduled to be received by the bank by the XXXX. On the XXXX I was assessed a late fee of almost {$40.00} because my payment had not been received. I contacted Ally bank to ask about why the payment had not been received and was told " We do n't know why it is n't there '', " It hasnt cleared your account '', and " It should have made it on time ''. When I asked if I could cancel that initial check since I have no idea where it is, or if it ever did get sent so that I could ensure I could pay my mortgage over the phone or through XXXX XXXX XXXX 's website instead and not having to worry about needing enough funds to cover when the initial check cleared I was told that there was a {$15.00} check cancellation fee unless I waited until at least 10 days past the anticipated received by date. So now I am stuck with a {$40.00} late fee, a late payment on my mortgage and credit history, and a fee to cancel the initial check that still has n't made it to the bank, which leaves me with no way to pay my mortgage currently until I wait out the ten days, cancel the check, and finish transferring all of my money out of Ally.
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| 08/21/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Changes in terms mid-deal or after closing
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Web |
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I signed a contract and took delivery of a XXXX XXXX XXXX on XX/XX/XXXX at XXXX XXXX in XXXX XXXX, La with financing being provided by Ally Financial. I have been disputing the reporting to the credit bureaus based on the fact that I did not receive statements from Ally Financial resulting in late payments. After disputing these results, Ally Financial mailed me a alleged copy of a letter from XX/XX/XXXX stating that the interest rate and all financing totals were wrong on the original contract and that they updated the contract without requiring my signature. My interest rate was changed from 13.04 to 14.99 percent without me ever being away of the change. I never received a letter regarding this change. The original contract was signed by both parties with the original amount and should have been binding. I was being charged higher interest rates for the life of the loan without being notified. This is a breech of contract and should mean the original contract is no longer valid. Ally Financial also indicated in a phone call to me that they sometimes do edit payment reporting for lost statements but would not do this in my case without providing a reason. The only explanation to this is discrimination based on something in my contract or profile that they do not want to explain.
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| 04/27/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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Ally Financial blocked all of my payment accounts, my XXXX XXXX XXXX XXXX Account ( because I made a double payment and Ally Financial stated they would send a check, instead of processing the refund via the same method the loan was paid, I did not want to wait XXXX XXXX weeks for a check so I had XXXX XXXX take the payment back ) and as a result, Ally Financial blocked that debit card AND account number from being able to make payments. They also blocked my VISA debit card and account from making payments because although I was on autopay, I made an early payment and Ally took a second payment out of my account, same situation. They blocked all of my methods of payment and still demanded payment for my loan which was due but again, I could not make payments. Not only were late fees that were almost {$100.00} added to account but late payments were reported to the credit bureaus as well because according to Ally Financial it takes weeks to unblock accounts, and this was not something that could be done overnight. I don't understand how you can block a consumer from making payments, take 2-3 weeks to unblock an account, tell the consumer you will contact them after the accounts are blocked, never contact them, charge late fees and report late payments to the credit bureaus.
This
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| 08/18/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
Older American |
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Lease payments were all made on time or early. Turned vehicle in 3 weeks before due. The dealer tried to call bank rep for schedule of review. No response so dealer XXXX. did walk around and found vehicle to be clean, tires good, body undamaged, no dings or other repairs needed. I'd purchased insurance at signing for {$750.00} and agreed to pay {$10.00} more per month for body ding & windshield protection without any deductables.
I informed and showed dealer manager the policy being left in consol. I offered to meet bank and place any claims necessary. The mileage allowed for 3 yr lease waw 15,000 per year. 45,000 total. Turned in at 44,000 + but below 45,000. The bank arbitrarally billed me for 1 tire @ {$200.00} and a chip repair in windshield @ {$190.00} for total of {$390.00}. I sent a letter disputing these extra charges. Bank said I turned car in wrong and these extras were owed. Again, I disputed in writing. I guess wear & tear didn't matter because already I replaced 3 tires @ 35,000 +/- miles and 1 complete windshield with XXXX XXXX. Bank began to harrass me by turning to collection as unpaid payment due. I also disputed at collection leval. Bank wrote off loss and sold my account to collection firm. Ally Bank has ruined my credit causing my home refinance to be denied.
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| 03/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Ally maliciously reported my payment history for XX/XX/2022. The payment was due on XX/XX/2022. I requested for an extension and was granted on XX/XX/2022. I was told I had 10 days to sign this extension and make the payment. I chose to pay and sign the agreement on the same day XX/XX/2022. I received confirmation from Ally on the executed agreement and payment receipt on XX/XX/2022. A few days later I was notified from my credit monitoring services, Ally reported I didn't make payment so they added a 30 day marker for XX/XX/2022. I spoke with their representative on XX/XX/2022 and file a complaint and investigation into this error. On XX/XX/2022, I was advise they don't care whether it was less than 30 days late or not. As long as it is close to 30 days late, they can add the 30 day marker. I expressed repeatedly it was not a full 30 days because XX/XX/2022 is not a full 30 days. XX/XX/2022 was actually 28 days. They were suppose to wait till XX/XX/2022 to see if I was 30 days late.
This malicious action has cost me Big and is affecting my livelihood. I need to be able to work in order to make my payments. My score dropped about XXXX points. I worked so hard to maintain good credit and in one shot Ally destroyed XXXX!
Please help, they can't violate me and get away with it.
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| 08/19/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account information incorrect
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Web |
Older American, Servicemember |
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In reference to loan XXXX, Ally Bank erroneously reported that my son XXXX XXXX and I have made late payments resulting in the lowering of our credit scores by 100 points. XXXX is the primary owner of the XXXX XXXX XXXX covered by the loan and I am the cosigner.
In XX/XX/XXXX, while making our regular payment the Ally Bank website stated that " Ally Bank offered a 3 month extension for those effects by the pandemic. '' My son was laid off due to the Covid, so we filled out the online form on the Ally website in good faith. Around XXXX we started receiving late notices and we attempted to contact customer service, thinking this was some type of mistake. After at least 10-12 hours on the phone we were unable to receive help. I also have requested to speak with a supervisor numerous times and have reported the issue on Allys twitter site, but still have received no help. I received a case number XXXX and have satisfied the terms of the agreement. We have appealed this to a supervisor ( XXXX ) but he was little to no help.
We never had any late on any payments to Ally bank during the entire term of the loan, nor have we been late on any other loans. We request that you notify any and all credit reporting bureaus regarding Ally Banks mistake.
Sincerely, XXXX XXXX and XXXX XXXX
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| 11/12/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I purchased a new car from XXXX XXXX in XXXX Kansas this past XXXX, XXXX. Before going to the dealership, I submitted my information online to be pre-qualified for financing. Once getting to the dealership, they checked my credit again without looking to see that it had already been done. They worked hard to get me financed and were finally successful.
By the end of the week I saw the two XXXX XXXX hard inquiries on my credit report. In addition to that, XXXX XXXX checked my credit a third time without my knowing. And they also submitted my information to 11 other finance companies and authorized them to pull my credit individually WITHOUT MY KNOWLEDGE OR CONSENT. This whole process created a total of 14 hard inquiries on my credit reports ( XXXX showed all of them ) and brought my score and borrowing power down for the next 2 years.
The first time I bought from XXXX XXXX XXXX XXXX XXXX XXXX they shopped me around for financing WITHOUT authorizing other companies to check my credit independently. I NEVER would have agreed to 14 credit checks. I would appreciate it if these were removed.
I have tried to contact XXXX XXXX and a few of the other companies but I never am able to talk to anyone who has the power to remove these inquiries. So I am stuck with no reprieve or apology.
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| 09/15/2017 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
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On XX/XX/XXXX I received a letter that I have a balance due in the amount of {$30.00}, I called them, because it is weird, I have automatic payment with them ( No with my bank ), and they told me 1 time that I called, that I made payment late, and the other customer representative said me that at the beginning of the contract my amount is {$490.00}. some thing, that it is not real because at the beginning of the contract in XXXX or XX/XX/XXXX, my monthly payment was of {$450.00} something. after my county increase the sales Taxes ( This one is my other question, They can change my monthly payment that was agreed when we signed the Lease contract in XXXX because the sales tax was increase in XXXX??? ) they change my monthly payment fr. {$450.00} something to {$480.00}, and they start to debit this amount, Now I have a supposed balance due in the amount of {$32.00} something because was change from the date of the letter to now for Late Fee ... and the Customer Representative told me that the amount of {$490.00} something is the amount at the beginning of the contract. So after that I called for 4th time and they told me that the supervisor will call me ... But I feel really upset with this company, I feel deceived and abused. This is the reason that I was motived to contact you.
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| 06/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have sent XXXX, XXXX, and XXXX multiple request to reinvestigate these accounts for months : Ally Financial : # XXXX and US Dept . of EducationXXXX : # XXXX. However, they have consistently stated that everything was complete and accurate. How is that even possible when the open dates and the date of last activity are clearly incorrect and much more?
According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that are reporting incorrectly. 15 USC 1681 Section 602 A. States, I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : Also states ; a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1681c ( a ) ( 5 ) States, no consumer reporting agency may make any consumer report containing any of the following items of information ; Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 USC 1681s2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe the the information is inaccurate.
I have repeatedly informed the above stated agencies that the information being reported is in fact incomplete and inaccurate and must be removed.
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